Expat health insurance covers accidents, emergencies, and new illnesses but excludes routine check-ups, preexisting conditions, and preventative treatments. To check if a specific treatment is covered, you can request a cost plan from your treating doctor and submit it via your Feather account.

Expat health insurance provides coverage only for accidents, emergencies, and new illnesses. It does not cover routine check-ups without symptoms, medical visits related to preexisting conditions, or preventative treatments.

A cost plan is a document from your treating doctor that details the expected costs of a treatment or procedure. It includes the treatment cost, the medical history of the issue including when it started, and the medical necessity of the proposed treatment. You can request this document directly from your doctor or healthcare provider.

After obtaining a cost plan, you should submit it through your Feather account by logging in, selecting your expat health insurance policy, choosing 'submit a claim or cost plan,' and completing the form with the cost plan attached.

The cost plan is typically reviewed within two weeks but may take up to four weeks if additional information is needed. After review, you will receive a notification confirming if the treatment is covered or not. If not covered, an explanation is typically provided.

If the cost plan approval confirms coverage, you can proceed with the treatment knowing that your expat health insurance will help cover the costs.