PassportCard Review 2026 — Insurance with Free Doctor Choice
International health insurance available to anyone in Panama. The red card that changes everything: go to the doctor YOU choose, pay with the card, done. No closed network, no forms, no reimbursement wait.
Quick Verdict
What Makes PassportCard Different?
Red Card = Direct Payment
A Visa Debit card that your insurer loads in real time. No upfront payment, no forms, no waiting weeks for reimbursement. Card → pay → done.
Free Doctor Choice
No closed network. ANY doctor, clinic, or hospital in ANY country. The best orthopedic surgeon in Panama? Go tomorrow.
Backed by Allianz (AWP)
Plans are underwritten by AWP, part of the Allianz Group. Not an unbacked startup — one of the world's largest insurers.
Entry up to Age 64
9 years more than ASSA, MAPFRE, or SURA (max 55). For people aged 55–64, this is literally the ONLY private option. Lifetime renewal after that.
Full App + Telemedicine 24/7
Everything in the app: find a doctor, load your card, documents, teleconsultation. Available 24/7 from anywhere.
First 3 Months Free for Newborns
The first 3 months for newborns are covered at no extra cost. A real benefit for families.
4 Plans — 2026 Prices
Starter
$80/mo
Limit: $500,000 · Deductible: $0
Emergency only, up to 6 months
Remote
$119/mo
Limit: $1,000,000 · Deductible: $0
Emergency + elective, specialists
Comfort
$200/mo
Limit: $3,500,000 · Deductible: $0
All-inclusive — the sweet spot
Premium
$350+/mo
Limit: $5,000,000 · Deductible: $0
Maximum coverage, top clinics
How the Red Card Works
Find a doctor
In the app or on your own — any doctor in the world
Request a load
The app loads your red card with the required amount
Pay with card
Visa Debit — like any other purchase
Done
No forms, no claims, no waiting for reimbursement
For expenses under $1,000 (Comfort+), no pre-authorization needed. For larger amounts, approval takes less than 2 hours.
Pros and Cons
Pros
- + Red card — direct payment, zero paperwork
- + $0 deductible on all plans
- + Free choice: any doctor in the world
- + Worldwide coverage including USA
- + Backed by Allianz (AWP)
- + Entry up to age 64 (vs. 55 locally)
- + First 3 months free for newborns
- + Telemedicine 24/7 via app
- + Monthly cancellation (no annual contract)
Cons
- - Maternity not included in any plan
- - Dental only from Comfort ($200/mo) up
- - Pre-existing conditions not covered
- - Support mainly in English
- - Starter covers emergencies only (no elective)
Who Is PassportCard For?
Ideal for:
- Anyone in Panama who wants to choose their own doctor
- Families who want access to the best pediatrician
- People who travel to the USA regularly
- Those tired of ASSA/MAPFRE's closed networks
- People aged 55–64 (local plans won't accept you)
- Anyone who hates the reimbursement paperwork
- Business owners who want the best specialist
Not recommended for:
- Couples planning a pregnancy (no maternity coverage)
- People with serious undisclosed pre-existing conditions
- Residents who never leave Panama and want the cheapest option
Ready to get a PassportCard quote?
Online quote in under 2 minutes. No commitment. Backed by Allianz.
Quote PassportCardCompare with ASSA