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Pacific Cross Insurance Company

Pacific Cross provides health insurance in Asia for expat individuals and families. Contact Pacific Prime for a Pacific Cross quote today!

Pacific Cross Insurance Company

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Pacific Cross Insurance provides insurance solutions to expat individuals and families across Asia. They offer health and travel insurance plans in different categories of coverage and costs that can fit any budget and lifestyle. 

With over 65 years of experience in providing health and travel insurance, Pacific Cross is a leading insurance provider in the Asian Pacific region. Their industry experience and stability make them an excellent choice for your insurance needs.

  • Comprehensive Plans and Customizable Benefits
  • Free Choice of Doctors and Hospitals
  • 14-Day Free Look Period
  • Maximum Annual Limit up to USD $250,000
Plan Details

Pacific Cross Insurance Overview

Pacific Cross Insurance is an offshore multi-line insurance company and is part of Pacific Cross International Group. With operating entities in Hong Kong, Philippines, Thailand, Indonesia, Vietnam, and Cambodia, Pacific Cross International provides insurance to clients in 40 different countries.

Pacific Cross offers health and travel insurance to expats across the globe. With comprehensive plans and customizable benefits, their members are financially protected while they travel and live abroad.

Key Features of Pacific Cross Insurance

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Some key features of Pacific Cross include free choice of hospitals and doctors, flexible geographic coverage, 14-day Free Look periods, and guaranteed renewability on their health insurance plans.

Here are the key features in greater detail:

  • Free Choice of Hospitals and Doctors: Choose whatever hospital and doctor you like while you’re abroad with a Pacific Cross health insurance policy. This will guarantee you financial coverage no matter what health provider you choose.
  • Flexible Geographic Coverage: Pacific Cross offers flexible geographic coverage for their plans so their members can choose the best fit for them and save more on their premiums.
  • 14-Day Free Look Period: During these 14 days, a member can return their policy for a full refund of premiums paid if they are not satisfied with their plan.
  • Guaranteed Renewability: Pacific Cross guarantees renewability to their members, regardless of their age, medical condition, or location.

These key features set Pacific Cross apart from other international insurance providers and provide their members with a more rewarding insurance solution.

Why Choose Pacific Cross Insurance?

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Pacific Cross Insurance is the right choice for those who value quality customer and member service, comprehensive insurance plans, and a trustworthy and transparent insurance provider.

Pacific Cross employees are always ready and available to provide their knowledge and experience to their clients. With multi-lingual representatives, they can speak their members’ languages and help them understand their plans and procedures thoroughly.

They are committed to serving their clients the best possible value and following their company's core values.

Pacific Cross Core Values

Excellence, stability, experience, and trust are the four core values held by Pacific Cross. They strive to follow these core values and apply them to every part of what they do.

These core values and codes of conduct help those at Pacific Cross to strive to develop products and services that can help their clients and keep their insurance solutions simple.

Pacific Cross Health Insurance Plans

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Pacific Cross offers individual expats and families health insurance plans with varying levels of coverage and annual limits. Members can choose a Major Medical International plan, a Standard International plan, a Comprehensive International plan, or a Premier International Plan.

Major Medical International Plan

The International Major Medical Plan is an inpatient-only health insurance plan that was designed to provide coverage for medical events that require hospitalization or emergency treatment.

The Major Medical International Plan was created to have an affordable premium, and members have the option to increase the yearly deductible to reduce the premiums even more.

Additionally, members can upgrade their Major Medical Plan to allow for greater coverage limits and an annual limit of USD $ 1,000,000. 

Major Medical International Plan Benefits:

Major Medical Schedule of Benefits (in USD)
Annual Maximum Limit $250,000
Emergency Room Treatment 100% covered
Hospital Room and Board Semi-Private up to $350 per day
ICU and Operating Room Charges 100% covered
Miscellaneous Inpatient Charges
(diagnostics, x-rays, prescribed medicines)
100% covered
Cancer Treatment 100% covered

Members can also choose to tailor their Major Medical plans with optional benefits such as dental, personal accident benefit, and a travel benefit. These benefits will allow for greater coverage but will also raise the premiums on the plan.

For more information about Pacific Cross’ Major Medical International Insurance plan benefits, you can click here or contact one of Pacific Prime’s insurance experts for help.

Major Medical

  • Annual maximum limit USD $250,000
  • 100% emergency room treatment coverage
  • Semi-private hospital room and board coverage (up to USD $350 per day)
  • 100% cancer treatment coverage

Standard International Insurance Plan

This plan provides a flexible solution to expat health insurance needs and offers optional benefits such as dental, travel, and vision coverage. The Standard International Plan has a higher annual limit than the Major Medical Plan.

Standard International Plan Benefits:

Standard Schedule of Benefits (in USD)
Annual Maximum Limit $1,000,000
Emergency Room Treatment 100% covered
Hospital Room and Board 100% covered private room in most countries
(Semi-Private Germany, U.K., H.K.,
N.America, Singapore,
Switzerland)
ICU and Operating Room Charges 100% covered
Miscellaneous Inpatient Charges
(diagnostics, x-rays, prescribed medicines)
100% covered
Cancer Treatment 100% covered
Maternity Benefits
(after a 12-month waiting period)
$6,250
Outpatient services
(specialist and physician office visits)
100% covered

Members can also choose to tailor their Standard International plans with optional benefits such as dental, vision, personal accident benefit, and a travel benefit. These benefits will allow for greater coverage but will also raise the premiums on the plan.

For more information about Pacific Cross’ Standard International Insurance plan benefits, you can click here or contact one of Pacific Prime’s insurance experts for help.

Standard

  • Annual maximum limit USD $1,000,000
  • 100% emergency room treatment coverage
  • 100% private hospital room and board coverage (in most countries)
  • 100% cancer treatment coverage

Comprehensive International Plan

The comprehensive international plan is a broad benefit plan that was designed to give expats wide and flexible coverage during their time abroad. This plan can be upgraded or used as it comes.

Comprehensive International Plan benefits:

Comprehensive Schedule of Benefits (in USD)
Annual Maximum Limit $2,000,000
Emergency Room Treatment 100% covered
Hospital Room and Board 100% covered private room
ICU and Operating Room Charges 100% covered
Miscellaneous Inpatient Charges
(diagnostics, x-rays, prescribed medicines)
100% covered
Cancer Treatment 100% covered
Maternity Benefits
(after a 12-month waiting period)
$7,500
Outpatient services
(specialist and physician office visits)
100% covered

In addition to these standard benefits, the Comprehensive International Plan also offers other benefits such as dental, vision, and more. Here is a list of the benefits below:

Comprehensive Benefits (in USD)
Dental 80% reimbursement up to an annual limit of
$2,000
Vision
(Eye exams, prescription lenses)
80% reimbursement annually for each
Insured Person up to $500
Personal Accident
(covers loss of life or total and permanent disability)
$100,000 for an adult / $10,000 for a child

An additional advantage of the Comprehensive International Plan is the included travel benefit coverage. This benefit provides financial coverage for eligible expenses worldwide when traveling outside your country of residence for trips up to 90 days.

These eligible expenses include:

  • Emergency Medical Expenses: covered up to $35,000
  • Travel Delays: covered up to $650
  • Trip Cancellation Charges: covered up to $2,500
  • Baggage and Travel Document Loss: covered up to $750

For more information about Pacific Cross’ Comprehensive International Insurance plan benefits, you can click here or contact one of Pacific Prime’s insurance experts for help.

Comprehensive

  • Annual maximum limit USD $2,000,000
  • 100% emergency room treatment coverage
  • 100% private hospital room and board coverage
  • 100% cancer treatment coverage

Premier International Plan

The Premier International Plan provides members with customizable benefits at affordable prices. With extensive coverage and benefits you can add to tailor your coverage, expats will value this Pacific Cross insurance policy.

The Premier International Plan can also be purchased in the upgraded Premier 500 plan, which offers an annual limit of $500,000

Premier International Plan benefits:

Premier Schedule of Benefits (in USD)
Annual Maximum Limit $250,000
Emergency Room Treatment 100% covered
Hospital Room and Board Private room covered in Asia
(besides Singapore), semi-private elsewhere
ICU and Operating Room Charges 100% covered
Miscellaneous Inpatient Charges
(diagnostics, x-rays, prescribed medicines)
100% covered
Cancer Treatment 100% covered
Maternity Benefits
(after a 12-month waiting period)
$2,500
Outpatient services
(specialist and physician office visits)
100% covered

For more information about Pacific Cross’ Premier International Insurance plan benefits, you can click here or contact one of Pacific Prime’s insurance experts for help.

Premier

  • Annual maximum limit USD $250,000
  • 100% emergency room treatment coverage
  • 100% private hospital room and board coverage in Asia (excluding Singapore)
  • 100% cancer treatment coverage

Pacific Cross Health Insurance Plan Discounts

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All Pacific Cross Health Insurance plans come with the option for discounts. Members can score discounts on their premiums by opting for Outpatient Exclusion, 20% Co-payment, and Treatment Area Limit (TAL).

We will explain these discounts below:

  • Outpatient Exclusion: members can save 25% on premiums by excluding outpatient services coverage from their health insurance plan.
  • 20% Co-payment: members can save 25% on premiums by paying 20% of eligible expenses on healthcare services, while Pacific Cross will pay 80%.
  • Treatment Area Limit (TAL): members can save 25% on premiums by limiting treatment coverage in specific areas such as Hong Kong (SAR), Japan, North America, and Singapore.

It’s important to note that these discounts do not apply to any additional benefits that have been added to a health insurance plan, and the TAL discount is only available to residents in Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Taiwan, Thailand, and Vietnam

Major Medical

Annual maximum limit USD
$250,000

Standard

Annual maximum limit USD
$1,000,000

Comprehensive

Annual maximum limit USD
$2,000,000

Premier

Annual maximum limit USD
$250,000

Pacific Cross Travel Insurance Plans

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Pacific Cross offers Annual Travel Plans or Bon Voyage Travel Plans to provide travelers with financial protection during their time abroad. Each plan comes with different categories of coverage and premiums.

Annual Travel Plans

The Annual Travel Plan was designed for those who plan on making frequent trips in the space of a year. Expats can choose the Premier Annual Travel Plan or the Executive Annual Travel Plan. These plans vary in coverage limits and prices.

There is no deductible for all benefits (except Car Rental Protection) across both plans and there is provided coverage for sports such as trekking and scuba diving with no additional premium.

Annual Travel Plan benefits:

Annual Travel Plan Benefits (in USD)
  Premier Plan Executive Plan
Personal Accident $250,000 $100,000
Medical Expenses (hospitalization, surgery, ambulance, medicine, and tests) $100,000 $75,000
Loss of Baggage and Personal Effects $2,000 $1,000
Baggage Delay $250 $125
Loss of Travel Document $2,000 $1,500
Trip Cancellation Charges $6,500 $4,500
Personal Liability $100,000 $65,000

Optional Annual Travel Benefits:

Members have the option to add a rental car protection benefit and an additional personal accident benefit to their annual travel plan. These benefits offer supplementary financial coverage in case of damage to a rental car or personal accident.

  • Rental Car Protection Benefit: covered up to $10,000 with a deductible of $500
  • Additional Personal Accident Benefit: covered up to Total Sum Insured of $500,00

Bon Voyage Travel Plans

A Bon Voyage Travel Plan is ideal for travelers who desire flexible coverage and length of stay during their time abroad. The plan can be purchased in three different coverage categories: Plan A, Plan B, and Plan C. Each of these categories has different coverage limits for the benefits.

There are no deductibles on any of the plan benefits (besides Rental Car Protection), and there are provided coverage for sports such as trekking and scuba diving with no additional premium. The maximum period of insurance under this plan is 180 days.

Bon Voyage Travel Plan benefits:

Bon Voyage Travel Plan Benefits (in USD)
  Plan A Plan B Plan C
Medical Expenses
(hospitalization,
surgery, ambulance,
medicine, and tests)
$100,000 $75,000 $50,000
Loss of Baggage and
Personal Effects
$1,500 $800 $500
Baggage Delay $250 $125 $65
Loss of Travel Document $2,000 $1,500 $1,000
Trip Cancellation Charges $6,500 $4,500 $3,500
Personal Liability $100,000 $65,000 $35,000

Optional benefits for the Bon Voyage plans include a Rental Car Protection benefit that will insure you up to $25,000 (with a $500 deductible) in case of damage to your rental vehicle.

Contact an Insurance Broker for Pacific Cross Quotes

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Reach out to our insurance brokers at Pacific Prime for a Pacific Cross quote so you can decide if they are the right insurance fit for you. We have the right knowledge and experience to answer all your insurance questions, making finding the right policy a breeze.

Pacific Prime has over 20 years of experience in the insurance industry and offers its services to clients across the globe. If you’re an expat looking for individual or family health insurance, you can reach out to any of our insurance experts to find out more about expat insurance plans.

Frequently Asked Questions

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Are there insurance plans for families with Pacific Cross?

Pacific Cross offers both family and individual health and travel insurance policies. Expats can have peace of mind knowing their loved ones are protected through a Pacific Cross policy.

What does Pacific Cross health insurance cover?

Pacific Cross health insurance plans vary across coverage limits and benefits, but they all cover emergency medical treatment and inpatient services. Some of their more extensive coverage plans also cover outpatient and maternity services.

Does Pacific Cross offer dental insurance?

Optional dental insurance benefits can be added to any of the health insurance plans. The dental benefit will only cover up to a specific amount, which varies across the plans.

Decided on a Pacific Cross plan?

Our experts can provide you with a personalized quote based on your needs and requirements.

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