An update regarding international health insurance I got a quote from Cigna Global for their three options (silver/gold/platinum). There's a big "gotcha" that is making me reconsider wanting to get international health insurance at all For both the silver and gold plans, there is a limit in terms of coverage. For example, looking at outpatient, Silver has a maximum of $15,000, and Gold has a maximum of $35,000. Or specifically looking at outpatient "consultations with medical practionioners and specialists," the limit is $2,500 for Silver and $5,000 for Gold. So the plan would only cover up to that amount.
This, in my opinion, is the opposite of the way "insurance" is supposed to work. Like, insurance should insure you against some sort of unforeseen, catastrophic eventuality. You buy flood insurance in the off chance a flood destroys your home, not for routine work on your home. But the plans I described above seem to have the exact problem most dental insurance (which is a scam IMO) has Something routine is covered (after the deductible is met), but for something truly catastrophic, you're out of luck once the plan has paid for a certain amount.
Specifically looking at outpatient, you'd be better off putting $15,000 or $35,000 in a high yield savings account and self-insuring, in my opinion. The inpatient limit is much higher, however, that would be something travel insurance would cover (provided it's not due to a pre-existing condition), and also, your travel insurance should cover transferring you to a hospital back home (someone correct me if I'm wrong).
Cigna's Platinum plan does not have a limit in terms of the amount that's covered. It's also roughly an additional $300/month - it ends up being roughly $600/month total for me. At a price like that, I'm extremely hesitant to want to go forward.
I'm wondering if some of the other providers do not have this problem. But I also think the fallback plan of going back home isn't terrible. Hopefully you go home, you get the treatment you need, then you go back to nomading.