I have been dealing with a lot of issuance companies throughout my life, I never came across one that has human resources like Regency, the people you deal with are humane which is the top quality when you deal with any firm let alone health insurance firm ! I recommended them to many of my friends because of their outstanding customer service. The coverage is truly international which is the biggest concern we have as regular travelers and expats . The process is well thought and is not as complicated and rigid like other firms. All in all, I would say its superb place to insure yourself and beloved ones and thank you for the team that is simply outstanding !