I found it hard to purchase policies that ONLY cover airfare/travel costs. There is always some medical evac or emergency coverage. In fact, you may these policies make your Safety Wing policy irrelevant if you maintain other US coverage.

(background - I am in US less than 35 days/yr but want to continue to keep coverage there if reasonable)

I have safety wing for travel insurance and I’ve just sat on like $1500 of bills because the one time I made a claim it was such an embarrassingly bad process 😒

Like these Tokio Marine branded pdf documents, no online forms, ridiculous.

if it is really for catastrophic cover, though, and you don’t plan to make a lot of claims maybe it is fine

people have pointed out that you can buy basically same policy directly from tokio marine www.reddit.com/r/safetywing/comments/d3rni8/safetywing_vs_tokio_marine/

Also I still did not go ahead with Cigna Global. I found a bunch of worrying reviews ()

I am wondering if any other American expats have recs for a policy that can still have me covered if I go back to US but that can let me ditch my very expensive US catastrophic policy

And I spend less than 35 days/yr in usunamused

So I pay for US coverage

same thing happened to us both

I also don’t mind the combo of catastrophic domestic USA coverage plus cheap travel insurance...

Really just trying to cover myself for very worst

$54/m

$12,500 deductable

I believe the out of pocket max is ~20k~ actually 10k

My last US address was NY

I basically assume all my medical spending will be out of pocket...

And just filed some thing RE what you mention

So yes, will look into that ok_handskin-tone-2

Catastrophic indeed 😂

And you don’t want to be on the wrong side of that

As they only check it in detail when claim time happens

I would assume when you claim they’ll then ‘discover’ you don’t have residency and be a jerk about it

uh, province

Some allow you to be covered from day one if you move back there

eg Manitoba

some do not

As long as it’s acute, you’re probably fine

Probably.

Get well fast

As for safety wings, they have a clause in their policy that includes 90 days of medical coverage, even if you are repatriated. It's one of the reasons I took this policy. I haven't seen it in other carriers who will usually ship you hope and cut all coverage the moment you land
```BENEFIT PERIOD
While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, in accordance with this provision, we will pay eligible medical expenses for up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are
outside your home country. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.
In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible
medical expenses related to the injury or illness that began while the certificate was in effect.```

my girlfriend is going through her first claim and it’s a PITA

probably going to stop buying from them

I realized GeoBlue isn't available for everyone. After checking, it looks like all of their plans are only available to US citizen/perm residents (or some employment relationship).

Insureandgo are good and cheap but they were so good and cheap they pulled out of the US market

Apparently they took losses