When Colombia updated its visa system under Resolution 5477 of 2022, one of the significant changes was the introduction of long-stay Migrante visas with validity periods of up to three years. This created an immediate problem in the medical assistance plan market: no provider offered a continuous 3-year plan.
Applicants who received a three-year visa faced two bad options — stack three consecutive annual plans and hope the renewals stayed in sync with their visa, or obtain a single plan for less than the full visa period and risk non-compliance at their next immigration interaction. CoVisas Colombia solved this problem by becoming the first provider in the country to issue a continuous 3-year medical assistance plan fully compliant with Resolution 5477.
For many years, the standard in the Colombian medical assistance plan market was annual coverage — a one-year plan that a visa holder was expected to renew at the end of each year. For one-year visas, this worked adequately. But for two- and three-year visas, annual plans created cascading problems:
Annual plans expire on a fixed date regardless of your travel schedule, your location, or whether you remember to initiate the renewal. A plan that expires while you are traveling, dealing with a health issue, or simply busy creates a coverage gap. During that gap, you are technically non-compliant with your visa conditions — even if the gap is only a few days.
Renewing an annual plan requires contacting the provider, verifying your visa status, providing updated documentation, and receiving a new certificate. For expats juggling work, travel, and Colombian bureaucracy, adding an annual plan renewal to the list is a genuine inconvenience.
Annual plan prices can change each year. A plan that was affordable in year one might be repriced upward in years two and three. A 3-year plan locks in your coverage terms for the entire period.
When you apply to renew your Colombian visa, you must present a medical plan certificate covering the new visa period. If your annual plan renewal and visa renewal timelines are out of sync, you may need to obtain a bridging plan to ensure there is no gap between your old and new visa-plus-plan combination. This adds cost and complexity.
The 3-year plan from CoVisas provides the same seven mandatory coverages required by Resolution 5477, continuously for 36 months:
The certificate issued by CoVisas shows a start date and an end date 36 months later, with explicit statement of all seven coverages. This single document satisfies the medical plan requirement for the entire duration of a 3-year Migrante visa.
Any Migrante-category visa that is issued for up to 3 years is eligible for the CoVisas 3-year plan. This includes:
In all cases, the plan duration must match the visa period exactly. A 3-year plan is appropriate when the issued visa has a 3-year validity. For shorter-duration visas, CoVisas issues plans calibrated to the exact visa length.
| Factor | 3 Annual Plans (Stacked) | 1 CoVisas 3-Year Plan |
|---|---|---|
| Number of certificates | 3 (one per year) | 1 |
| Renewal actions required | 2 renewals during visa | 0 |
| Coverage gap risk | Yes — each renewal is a gap risk | None — continuous coverage |
| Price predictability | Variable — market rates each year | Fixed at purchase |
| Visa renewal documentation | May require bridging plan | Single certificate covers full period |
| Administrative complexity | High | Minimal |
| Resolution 5477 compliance | Dependent on seamless renewal | Guaranteed throughout |
Colombia's immigration framework allows Migrante visa holders to apply for permanent residency (Visa de Residente) after five continuous years of legal stay. "Continuous" is the operative word. A gap in visa validity — or in associated documentation like the medical plan — creates a break in the legal stay record that can reset or complicate the residency timeline.
Maintaining a 3-year continuous medical plan eliminates one of the most common sources of documentation gaps. When you apply for your second Migrante visa (years 4 and 5 toward residency), your plan is still active, your coverage is documented without interruption, and your immigration record shows consistent compliance.
CoVisas Colombia has operated for over 20 years serving foreigners seeking legal status in Colombia. Unlike providers who entered the market recently in response to growing demand from digital nomads and retirees, CoVisas's experience predates the current visa framework and includes deep familiarity with how Migración Colombia processes documentation.
The 3-year plan was developed in direct response to client feedback and changes in the visa landscape — not as a marketing exercise, but as a solution to a real problem that CoVisas clients were experiencing. The plan was the first of its kind on the Colombian market and remains a differentiator.
CoVisas has never purchased reviews. Every testimonial and rating comes from actual clients. In a market where inflated ratings are common, this commitment to authentic reputation matters — particularly for a product as consequential as your visa medical coverage.
The process is straightforward. Contact CoVisas by WhatsApp at (+57) 324 367 5333 or by email at pachoviloriainsurances@gmail.com. Provide your passport details, the type of visa you are applying for, and the requested visa duration. CoVisas will issue a certificate with the exact start and end dates corresponding to your visa period — or your planned entry date if you are applying in advance of arrival.
The certificate is issued electronically and can be submitted to Migración Colombia's online visa application portal directly, printed for in-person submission, or stored on your device for presentation at a port of entry.
CoVisas Colombia was the first medical assistance plan provider in the country to offer continuous 3-year coverage compliant with Resolution 5477, developed in response to the introduction of 3-year visa options in the updated Colombian visa framework.
A continuous 3-year plan eliminates coverage gap risk, reduces administrative burden, and simplifies visa renewal documentation. Annual plan renewals create two opportunities for gaps — gaps that compromise your visa compliance and your residency timeline.
CoVisas prices the 3-year plan competitively. Beyond direct cost, the plan eliminates renewal fees, administrative time, and gap risk — making it economically rational for anyone planning a 3-year stay.
Any Migrante-category visa issued for up to 3 years is eligible, including pensioner, digital nomad, investor, spouse, parent of Colombian national, rentista de capital, and socio/propietario visas.
Permanent residency requires 5 continuous years of legal stay. Uninterrupted medical plan coverage eliminates one of the most common documentation gaps that can complicate the residency timeline.
First in Colombia to offer continuous 3-year coverage. 20+ years of experience. No purchased reviews.