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Expat Health Insurance Explained: Coverage Options for Living Abroad
Explore how expat health insurance works and discover the best coverage options for living and working abroad safely and effectively.
Choosing the right coverage matters. Moving to a new country can leave gaps in care. Home-country plans often won’t cover treatment or emergencies abroad.
Professionals who live abroad should compare international health insurance plans, benefits, and costs before they go. Look for policies that address pre-existing conditions, emergency evacuation, and access to local providers.
One reliable option is International Medical Group (IMG), which offers worldwide coverage and 24/7 emergency assistance with multilingual support. That kind of service can make a big difference when you need care fast.
Start by listing your family’s needs, expected providers in your area, and any yearly premiums or deductibles. A clear plan helps you avoid surprises and keeps you focused on settling in, not searching for treatment.
Table of Contents
Quick Comparison
Choosing the right international health insurance plan depends on your lifestyle, destination, family size, and healthcare needs. The table below provides a quick overview of common expat profiles and the type of coverage typically recommended.
| Expat Type | Recommended Coverage | Key Priority |
| Digital Nomad | Worldwide Coverage | Flexibility across countries |
| Family Living Abroad | Comprehensive International Plan | Family healthcare access |
| Retiree | High-Benefit Plan | Chronic care and specialist access |
| International Student | Budget International Plan | Affordable emergency coverage |
| Remote Worker | Portable Global Coverage | Long-term international protection |
| Frequent Traveler | Multi-Country Coverage | Emergency assistance and evacuation |
This comparison provides a starting point before evaluating providers, benefits, and annual costs.
Understanding Expat Health Insurance
A tailored global medical plan helps limit out-of-pocket costs when care is needed away from home.
These plans act as a clear financial safety net. They reduce the surprise bills you might face after treatment in another country.
Unlike standard domestic coverage, a dedicated international policy follows you across borders. It pays for care in multiple countries and often covers emergency evacuation.
Networks matter: most providers give access to global clinics and doctors who treat international patients. That network speeds care and eases claims.
Policies are flexible. You can choose levels of coverage and adjust deductibles to match your budget and medical needs.
- Limits out-of-pocket costs for serious care
- Works across several countries
- Gives access to international provider networks
- Offers customizable plans to suit families or individuals
| Feature | Domestic Plan | International Policy | Typical Benefit |
| Geographic Coverage | One country | Multiple countries | Travel and relocation protection |
| Emergency Evacuation | Limited | Usually included | Access to specialized care |
| Provider Network | Local hospitals only | Global clinics and specialists | Faster international claims |
International vs Local Health Insurance
Expats often choose between international health insurance and local health insurance plans. Each option offers different advantages.
| Feature | International Plan | Local Plan |
| Global Coverage | ✓ | ✗ |
| Emergency Evacuation | ✓ | Limited |
| Portability Between Countries | ✓ | ✗ |
| Access to International Networks | ✓ | Limited |
| Cost | Higher | Lower |
| Long-Term Flexibility | ✓ | Limited |
International plans are generally better suited for globally mobile professionals, while local plans may work well for long-term residents with limited travel needs.
Why You Need Specialized Coverage Abroad
Living in a new country often leaves gaps between local care and the services you relied on at home.
Bridging the Healthcare Gap
Moving abroad often means you lose access to free or subsidized services offered to residents. That change can leave families exposed to large medical bills.
Specialized expat health insurance fills that gap by giving access to providers that meet international standards. Plans include network access, evacuations, and coverage for serious conditions.
Without a dedicated policy, an emergency hospital stay or specialized treatment can become a major financial burden. International Medical Group (IMG) offers 24/7 emergency assistance, which matters when you are far from your home healthcare system.
- Loss of local entitlements after moving to another country
- Access to high-quality care across countries and providers
- Protection from large bills for emergency or specialized treatment
- Consistency for ongoing medical conditions while living abroad
Bottom line: a global policy helps you maintain care standards, control costs, and get emergency support wherever you live or travel.
Who Should Consider International Health Insurance?
Deciding who needs a global plan starts with how often you cross borders and who depends on you.
Working abroad or moving between countries changes how you access medical care. Not all employers provide full coverage for families or long-term needs.
Working Expats and Digital Nomads
Professionals who are not yet legal residents often find gaps in employer plans. Freelancers and digital nomads need a portable plan that keeps care consistent as they travel.
Key reasons to consider a policy:
- Employer-sponsored plans may not cover family members or overseas treatment.
- Portable policies ensure continuity when you move between countries.
- Emergency evacuation and network access matter for frequent travelers.
- Retirees and Students
Retirees should choose a policy that covers routine check-ups and long-term needs. A stable plan reduces risk and out-of-pocket costs in a new country.
Students benefit from tailored coverage that keeps them safe while studying and prevents disruption to their studies.
In short, individuals, families, and professionals living abroad choose international health insurance when they want reliable access to care, predictable costs, and peace of mind.
Best Expat Health Insurance Providers
Several global insurers specialize in international medical coverage for expatriates, remote workers, retirees, and globally mobile families.
Provider Comparison
| Provider | Best For | Global Coverage | Emergency Evacuation | Direct Billing |
| Cigna Global | Comprehensive international coverage | ✓ | ✓ | ✓ |
| Allianz Care | Families and long-term expats | ✓ | ✓ | ✓ |
| IMG Global | Flexible budget options | ✓ | ✓ | Limited |
| AXA Global Healthcare | Premium global coverage | ✓ | ✓ | ✓ |
| Bupa Global | High-net-worth individuals and families | ✓ | ✓ | ✓ |
| GeoBlue | U.S. citizens living abroad | ✓ | ✓ | ✓ |
Cigna Global
Known for flexible international plans, broad provider networks, and customizable benefits.
Allianz Care
Offers strong family-focused coverage and access to an extensive worldwide medical network.
IMG Global
Popular among digital nomads and budget-conscious expatriates seeking flexible international coverage.
AXA Global Healthcare
Provides premium international health plans with comprehensive worldwide benefits.
Bupa Global
Well-suited for expatriates seeking extensive private healthcare access and premium service levels.
GeoBlue
A strong option for U.S. citizens who want international coverage combined with access to Blue Cross Blue Shield networks.
How Expat Health Insurance Works in Practice
In practice, getting treated overseas starts with contacting your plan to arrange provider guarantees.
Call your insurer as soon as possible. They will confirm whether a local doctor or hospital accepts your coverage and can issue a guarantee of payment.
Most international plans require a deductible before cost-sharing starts. Expect to pay that amount up front or at the point of care.
Watch for terms on pre-existing conditions. Policies often limit coverage for ongoing conditions, so review those rules before travel.
- Some policies let you choose any doctor; others work best with in-network providers for lower costs.
- If your employer offers a basic plan, verify gaps and consider a supplemental international policy.
| Step | What to expect | Why it matters |
| Contact insurer | Confirm coverage and payment guarantee | Reduces billing surprises |
| Meet deductible | Pay specified amount before sharing | Determines out-of-pocket cost |
| Choose provider | In-network = lower cost; out-of-network = higher bills | Impacts claim speed and expense |
Expat Health Insurance Cost
The cost of international health insurance varies significantly depending on age, destination, coverage area, deductible selection, and medical history.
| Age | Estimated Annual Premium |
| 25 | $1,500 – $3,000 |
| 35 | $2,500 – $5,000 |
| 50 | $4,000 – $8,000 |
| 65+ | $8,000 – $15,000 |
Premiums generally increase with age and when coverage includes countries with high healthcare costs, such as the United States.
Understanding these average costs helps expatriates set realistic expectations before comparing providers and plan options.
Key Factors Influencing Your Annual Premiums
Several key choices determine how much you pay each year for an international plan.
Age and Demographics
Age is the single biggest driver of premiums. Older adults use more services, so rates rise with age.
For example, the average international medical insurance cost is about $6,900 per year. Individuals 65 and older often pay about $10,435 annually.
Area of Coverage
The countries you include change the bill. Plans that cover the United States cost more than those that exclude it.
Deductible Choices
Choosing a higher deductible lowers yearly premiums. It also raises what you pay at the point of care.
- Demographics: Insurers set policy levels by age and risk.
- Geography: adding US care increases costs notably.
- Deductible: higher deductible = lower premiums, higher out-of-pocket.
| Factor | Impact on Premiums | Typical Effect |
| Age | High | Older = higher yearly cost |
| Area of coverage | Medium–High | Including US raises premiums |
| Deductible level | Medium | Higher deductible lowers premiums |
Comparing Primary and Secondary Coverage Options
Deciding who pays first changes both the claims process and your final bill.
Primary coverage lets you file directly with your international insurer. The provider pays eligible medical expenses as the first payer. That often speeds reimbursement and lowers initial paperwork.
Secondary coverage requires you to claim first with any other plan you have. The secondary policy then pays the remaining eligible costs. This can protect you from large gaps but may slow payments.
If you already have a domestic plan, confirm whether your international policy will act as primary or secondary. Some carriers let you choose at signup. That choice affects coordination of benefits, emergency care access, and out-of-pocket exposure.
- Primary = faster direct payment by the international policy.
- Secondary = fills gaps after other claims settle.
- Many providers offer both options, so you can match coverage to travel and country needs.
| Option | Who pays first | Best for |
| Primary | International policy | Frequent travelers and those without strong local plans |
| Secondary | Other plan, then international | People keeping a domestic policy and seeking extra benefits |
Navigating Healthcare Costs by Country of Residence
Healthcare prices differ widely around the world, and your annual premium will reflect where you live.
Costs by country matter: residents in the Bahamas face the highest average annual premiums at $13,981, while the United States follows at $11,238. Popular destinations and major medical markets tend to push prices up.
When you move, carriers adjust international health insurance rates to match local care costs. That means premiums rise in areas with expensive services and fall where care is cheaper.
Research average treatment costs in your destination before you sign a policy. Knowing local hospital and specialist fees helps set realistic expectations for plan benefits and out-of-pocket spending.
- Higher-cost countries require larger premiums for comparable coverage.
- Choose a plan that balances network access and affordability for your area.
- Budget for annual premiums and likely medical costs in your new home.
Expat Health Insurance by Country
Healthcare systems, treatment costs, and insurance requirements vary significantly around the world. Expats should consider both local healthcare quality and international insurance availability before relocating.
Health Insurance in Mexico
Many expatriates choose private international plans to supplement local healthcare options and gain access to private hospitals.
Health Insurance in Thailand
Thailand offers affordable healthcare, but international insurance provides broader provider access and emergency evacuation benefits.
Health Insurance in Spain
Many expats combine private international coverage with access to Spain’s healthcare system.
Health Insurance in Portugal
Portugal remains a popular destination for retirees and remote workers seeking affordable healthcare and international coverage options.
Health Insurance in the UAE
Private health insurance is often required, and international plans can help expatriates maintain global healthcare access.
As Insurance Review Lab expands, dedicated country-specific guides can provide more detailed comparisons and recommendations.
Essential Benefits Included in Comprehensive Plans
A clear set of covered services helps you pick the right international plan for your needs.
A strong policy should cover inpatient care, surgical procedures, and related hospital fees without surprise bills. That protection matters if you need a serious procedure while living in another country.
Hospital Stays and Surgery
Quality coverage pays for room charges, surgeon and anesthesiologist fees, post-op care, and any necessary diagnostics. It should also include hospital admission and discharge planning.
Confirm whether the plan guarantees direct billing to the provider. That reduces upfront costs and speeds claims processing for families and individuals.
Routine Preventive Care
Preventive services keep small issues from becoming large expenses. Look for annual physicals, vaccinations, and screening tests in the benefits list.
Many plans bundle preventative visits with wellness incentives. This lowers long-term costs and supports ongoing care for families.
- Emergency treatment: coverage for accidents and urgent care is standard in comprehensive plans.
- Pre-existing conditions: check waiting periods and terms before you enroll.
- Provider access: networks can affect costs and treatment options across countries.
| Benefit | What it covers | Why it matters |
| Hospitalization | Room & board, ICU, postop care | Prevents large inpatient bills |
| Surgery | Surgeon fees, anesthesia, OR costs | Ensures access to needed procedures |
| Preventative care | Annual exams, vaccines, screenings | Reduces long-term treatment costs |
| Emergency treatment | Ambulance, urgent care, ER visits | Fast care during sudden events |
Managing Deductibles and Coinsurance Requirements
How much you agree to pay first affects both premiums and out-of-pocket risk.
A deductible is the amount you pay each year before a plan begins to share costs. Coinsurance is the percentage split after the deductible is met.
Choosing higher deductibles usually lowers your annual premiums. But it raises what you pay at the clinic or hospital.
Lower deductibles reduce point-of-care costs but increase yearly premiums. Balance this against your expected use of services and savings buffer.
- Review deductible and coinsurance each year, especially as age or care needs change.
- Pick cost-sharing that matches savings and the likely frequency of visits.
- Consider higher deductibles if you rarely use services; choose lower if you expect ongoing care.
| Item | Effect on Premiums | Best for |
| High deductible, low coinsurance | Lower yearly premiums | Healthy people with savings |
| Low deductible, standard coinsurance | Higher yearly premiums | Those needing regular care |
| Moderate deductible, low coinsurance | Balanced premiums and point-of-care cost | Families and older adults planning for predictable care |
Practical tip: run a simple yearly cost estimate: expected visits + deductible + coinsurance percentage. Compare that to the difference in premiums to pick the smarter plan for your country and lifestyle.
The Role of Virtual Care and Emergency Assistance
Quick access to medical advice and coordinated emergency support matters most when you are away from home.
Access to around-the-clock virtual consultations can change how quickly a problem is diagnosed and treated. Many modern plans include telemedicine so you can see a licensed doctor or mental health practitioner from anywhere.
Emergency assistance is equally vital. Providers like International Medical Group (IMG) offer 24/7 support for ambulance transfers, hospital admissions, and medical evacuations in a crisis.
- Virtual visits save time and often cut point-of-care costs for minor complaints.
- Emergency services coordinate swift transport and direct billing when possible.
- Using remote care can prevent unnecessary hospital trips and lower overall costs.
| Service | When to use | Benefit |
| Virtual care | Minor illness, follow-up, mental health | Fast access to a doctor |
| Emergency assistance | Serious injury, evacuation | Coordinated transport and hospital admission |
| In-person care | Complex treatment, surgery | Hands-on diagnostics and procedures |
Practical tip: confirm virtual and emergency services in your policy before travel. That ensures the right support when you need care abroad.
Selecting the Right Provider for Your Needs
A strong rating and transparent policy terms should guide your choice of international plan. Look for carriers with solid financial ratings—SiriusPoint America Insurance Company holds an A- (Excellent) from AM Best for 2023.
Always read the fine print. Confirm how a provider handles pre-existing conditions, emergency treatment, and direct billing to local hospitals.
Check whether an employer offers group plans that you can top up with a private policy. Comparing providers helps balance cost, coverage, and access to care.
- Financial strength: Pick insurers with strong ratings and reliable claims service.
- Coverage details: verify limits, evacuation, and pre-existing condition rules.
- Provider network: ensure access to clinics and specialists in your area.
- Coordination: decide if a policy will act as primary or secondary with any domestic plan.
- Ask regulators: for state-level help, call the California Department of Insurance at 800-927-4357.
Compare several providers and choose the plan that matches your family’s needs and travel patterns. That makes living abroad simpler and more secure.
How to Choose the Right Expat Health Insurance Plan
Choosing the right policy involves balancing cost, coverage, and long-term healthcare needs.
Step 1: Identify Your Coverage Area
Determine whether you need regional coverage or worldwide protection, including the United States.
Step 2: Review Your Healthcare Needs
Consider routine care, prescription medications, specialist visits, and any pre-existing conditions.
Step 3: Compare Provider Networks
Ensure your preferred hospitals and clinics are included in the insurer’s network.
Step 4: Evaluate Deductibles and Cost Sharing
Higher deductibles reduce premiums but increase out-of-pocket costs.
Step 5: Verify Emergency Assistance Services
Look for 24/7 emergency support and medical evacuation coverage.
Step 6: Compare Multiple Quotes
Review benefits, exclusions, and renewal terms before making a final decision.
A careful comparison process helps expatriates find a plan that delivers both financial protection and peace of mind abroad.
Conclusion
strong, Securing the right coverage helps you avoid surprise bills and keeps care consistent across countries.
Start by comparing plans and the specific benefits they offer. Focus on how a policy handles emergency support, provider access, and yearly costs.
Review your selection at least once a year. Your needs and local healthcare markets change, so an annual check keeps coverage aligned with real life.
Final thought: take time to research and compare providers. The right plan gives practical protection and peace of mind while living or traveling abroad.
FAQ
What does international health coverage typically include?
Coverage varies by plan, but comprehensive policies usually cover hospital stays, surgery, outpatient treatment, prescription drugs, emergency evacuation, and routine preventative care. Some plans add dental, maternity, and mental health. Always check policy limits, waiting periods, and whether primary care visits are included.
How do premiums get calculated for living abroad?
Insurers base premiums on age, current medical conditions, the geographic area covered, chosen deductible, and the level of benefits. Travel frequency, whether family members are included, and the insurer’s provider network also affect cost. Higher deductibles lower premiums; broader geographic coverage raises them.
Can pre-existing conditions be covered?
Some plans offer coverage for pre-existing conditions after a waiting period or with medical underwriting. Others exclude them entirely. Applicants should disclose conditions during application to avoid claim denials and consider plans from established global providers like Cigna or Allianz that have clear underwriting processes.
Is emergency evacuation included and when does it apply?
Emergency evacuation is common in international policies and covers transport to the nearest adequate medical facility or repatriation home in life-threatening situations. Coverage limits and required approvals vary, so verify evacuation criteria, insurer contact procedures, and caps before travel.
How does deductible and coinsurance work overseas?
A deductible is the amount paid by the insured before the plan pays. Coinsurance is the percentage split after the deductible. For example, with a 0 deductible and 20% coinsurance, the insured pays the first 0, then 20% of remaining eligible costs while the plan covers 80% up to its limits.
What happens if someone needs long-term treatment while abroad?
Long-term care for chronic conditions depends on policy terms. Some plans cover ongoing treatment with prior authorization; others limit duration or exclude chronic management. Look for plans with strong outpatient and specialist access if ongoing care is likely.
Can a family be covered on a single international policy?
Yes. Family plans are common and typically cover a spouse and dependent children. Premiums increase with additional members. Review age limits for dependents, any required spousal medical information, and coverage for newborns or adopted children.
How does virtual care work with international plans?
Many international plans include telemedicine for consultations, prescriptions, and follow-up care. Virtual care provides quick access to doctors across time zones and can reduce unnecessary emergency visits. Confirm availability in your destination and whether teleconsults are covered at no extra cost.
What should professionals consider when choosing a provider?
Busy U.S. professionals should prioritize clear policy wording, efficient claims service, broad provider networks, emergency assistance, and flexible renewal terms. Compare multinational carriers like Bupa, AXA, and Cigna for global reach, and check reviews from other expatriates or remote workers.
What is the difference between travel insurance and expat health insurance?
Travel Insurance: For short trips (vacations). It only covers unexpected medical emergencies and trip disruptions, expecting you to return home for long-term treatment.
Expat Health Insurance: For long-term living abroad. It offers comprehensive healthcare, including inpatient stays, surgeries, routine check-ups, and chronic condition management.
Can expats use local healthcare systems?
It depends on the country and your residency status. In some countries (like Spain or Portugal), legal residents paying taxes can access public healthcare. However, many expats still choose private international plans to avoid long wait times, overcome language barriers, and access premium private hospitals.
Are mental health services covered abroad?
Mental health coverage varies. Many comprehensive plans include outpatient therapy, psychiatric consultations, and inpatient psychiatric care with limits. Confirm session limits, pre-authorization needs, and whether virtual mental health support is available.
What does primary vs. secondary coverage mean for overseas care?
Primary coverage pays eligible claims first. Secondary coverage kicks in only after the primary insurer pays its share. For example, if travel insurance covers emergencies as primary, an international medical policy may act as secondary for non-covered items. Understand coordination of benefits clauses to avoid gaps.
Is expat health insurance worth it?
Yes, expat health insurance is worth it as it provides essential coverage for medical emergencies and routine care, and often includes benefits like evacuation and repatriation, which can be crucial when living abroad.
Related Guides
Explore additional resources from Insurance Review Lab:
- Expat Medical Insurance Explained
- Expat Insurance Cost Guide
- Health Insurance in Mexico for Expats
- Health Insurance in Thailand for Expats
- International Health Insurance Providers Compared
- Cigna Global Review
- Allianz Care Review
- IMG Global Review
Editorial Note
Insurance Review Lab independently researches international health insurance providers, plan features, pricing factors, and coverage options.
Information is reviewed regularly to maintain accuracy, but coverage terms, pricing, eligibility requirements, and provider networks may change over time. Readers should always review official policy documents and obtain personalized quotes before purchasing coverage.
This content is intended for educational and informational purposes and should not be considered legal, financial, or insurance advice.
Why Trust Insurance Review Lab?
Choosing international medical insurance is an important financial and healthcare decision. Insurance Review Lab provides independent educational resources designed to help expatriates compare insurance providers using transparent editorial standards and consistent research methodology.
Unlike insurance companies or brokers, our content is developed to educate readers and simplify complex insurance topics without promoting sponsored rankings.
Independent Editorial Research
Every guide published by Insurance Review Lab is independently researched using publicly available insurer documentation, policy summaries, regulatory resources, and trusted healthcare references.
Our editorial recommendations are never influenced by advertising relationships or paid placements.
Transparent Research Methodology
Insurance providers are evaluated using a standardized editorial framework that considers:
- Coverage Breadth
- Global Hospital Network
- Policy Flexibility
- Digital Experience
- Claims & Member Support
- Overall Value
This consistent methodology helps readers compare providers objectively.
Regularly Updated Content
Healthcare systems, insurance products, and policy benefits evolve over time.
Insurance Review Lab reviews and updates its international insurance guides regularly to reflect meaningful changes whenever publicly available information is updated.
Fact-Checked Information
Our editorial process includes verification of insurance terminology, healthcare concepts, and policy information before publication.
Readers should always confirm the latest coverage details directly with the insurance provider before purchasing any policy.
Reader-Focused Recommendations
Our goal is to help readers make informed insurance decisions through unbiased educational content.
Insurance Review Lab encourages readers to compare multiple providers, review policy wording carefully, and obtain personalized quotations before purchasing coverage.This guide was prepared by the Insurance Review Lab Editorial Team as part of our commitment to providing independent educational resources for expatriates seeking international medical insurance.The information presented in this guide is intended to explain common insurance concepts, compare publicly available policy features, and help readers better understand international healthcare options. It should not be interpreted as personalized insurance advice.
Research Methodology
Insurance Review Lab follows a standardized editorial process when evaluating international medical insurance providers.
Insurance Review Lab Research Framework
| Evaluation Criteria | Weight |
| Coverage Breadth | 25% |
| Global Hospital Network | 20% |
| Policy Flexibility | 15% |
| Digital Experience | 15% |
| Claims & Member Support | 15% |
| Overall Value | 10% |
How We Evaluate Insurance Providers
Insurance Review Lab evaluates providers using publicly available information and consistent editorial criteria.
Our evaluation includes:
- Scope of medical coverage
- Hospital network size
- Geographic availability
- Medical evacuation benefits
- Digital member experience
- Claims handling resources
- Policy flexibility
- Overall value for expatriates
Editorial assessments are based on independent research and should not be interpreted as financial strength ratings or guarantees of future performance.
Information Sources
Our editorial team references information from reputable public resources, including:
- Official insurer policy documentation
- International insurer brochures
- Government healthcare resources
- National health authorities
- International healthcare organizations
- Independent insurance publications
Sources Used
To support transparency and factual accuracy, readers should consult original sources whenever possible.
Examples include:
- Official policy documents published by international insurance providers
- Government healthcare agencies
- National ministries of health
- International healthcare organizations
- Visa and immigration healthcare requirements
- Independent medical and insurance research publications
Editorial Transparency: References are provided to support factual accuracy and should not be interpreted as endorsements of any insurance provider or healthcare organization.
Medical Disclaimer
The medical information contained in this guide is provided for general educational purposes only.
Insurance Review Lab does not provide medical advice, diagnosis, or treatment recommendations.
Readers experiencing a medical emergency should contact local emergency services or seek immediate assistance from a qualified healthcare professional.
Always consult a licensed physician regarding medical concerns and treatment decisions.
Insurance Disclaimer
Insurance products, premiums, coverage limits, exclusions, waiting periods, and eligibility requirements vary by insurer, country of residence, age, and individual circumstances.
The information presented in this guide should not be considered legal, financial, or insurance advice.
Before purchasing any international medical insurance policy, readers should:
- Review the complete policy wording.
- Confirm coverage details directly with the insurer.
- Compare multiple providers.
- Request personalized quotations.
- Verify local legal or visa requirements.
Insurance Review Lab strives to maintain accurate and up-to-date information; however, policy terms and product availability may change without prior notice.
