Very responsive

e.g. AXA, Cigna, Allianz etc.

I clarified what that means. And they assured me that it is simply whether I was aware of it or not. Because maybe I was incubating it. They said if u didnt know, then it's not pre-existing.

Cigna Global gives me a quote for $500/year but AXA for $3000/year weird

Also saw on Reddit ppl who had Cigna said never denied claims

The blurb on their offer:

Cigna expatplus is an international health care plan, specially designed for people who live or work abroad.

We have designed 3 high quality health care plans, each of which provides fundamental cover for comprehensive inpatient and outpatient cover, medical evacuation & repatriation and extra benefits. You can add one or more of the following optional schemes to your basic expatplus plan dental care, personal accident, temporary incapacity, permanent disability and travel.

More detailed information on the different cover levels can be found in the benefits guide on our website (which I can't post it but have to search for expatplus)

My husband & I are 50+ and have the plus 6 months USA coverage per year so add 50%

Hi friends! Does anyone use any other insurance other than Safety Wings as travel insurance that they like? I have health insurance back in my home country so I just need to cover travel emergencies. Thanks for the help!

They can provide you many options, have experience with how each company is for paying out claims, and can negotiate down _loading_ factors given for certain conditions

All of this and they don't cost more

Any other recommendations for travel insurance?

One problem I'm facing is that I booked a flight to Mexico later this month, but just realized that the UK government advises against all but essential travel. So I'd ideally find an insurance that would cover the trip anyways (most don't)

SafetyWing just told me that they don't "follow travel advisement from the government" and would even cover covid related expenses. I know they've got terrible reviews here when it comes to actually needing their help, but seems much better than having nothing, so guess I'll get their policy

But now we’ve actually launched our own :smile:

Do you have to have residence somewhere for Cigna? I’m with them at the moment and i’m of the view you don’t but this is what a Cigna rep led my to believe. I was also considering Cigna vs AXA and i might look at AXA at my Cigna renewal. What did you end up selecting?

you can NOT legally have no residence, it's illegal according to Int'l law and you'll get REKT for it

if no residence anywhere, you'll auto and retroactively fallback to your OLD residence country OR passport country with severe tax consequences, fines and jail time if you did not pay tax there, some countries retroactively F you 12 years etc.

🚨

Wow, the genki quote process is really nice. All questions and doubts answered on one page, with a contact us button at the bottom. Congrats 🎉

From my card:
"Provides you, your spouse and your dependent children with coverage for eligible emergency medical expenses of up to $5 million whenever you travel outside your Canadian province or territory of residence. Coverage is for the frst 15 days of a trip if the insured person is age 64 or under, or for the frst 3 days of the trip if the insured person is age 65 or older – you don’t even have to charge your trip to the card. If you are travelling for more than 15 days in length if you are age 64 or under, or for more than 3 days if you are age 65 or over, you must purchase coverage separately for the balance of your trip. It is important that you call Global Excel Management Inc. prior to receiving treatment to ensure coverage. Pre-existing medical condition exclusions apply to medical conditions and/or symptoms that existed before your trip. Please refer to your Certifcate of Insurance for full details, including eligibility conditions, policy limitations and exclusions."

Though I am curious if I called and said I want coverage for an entire year, how much would they quote me.

Which provider were you looking at?

Some of these providers look like they don't cover loss or theft. Having insurance for damage is ok, just read the policies closely. I would say even if you went with one of these you should self insure anyways. If it is your livelihood and the insurance company takes weeks or months filling the claim you would be screwed in the meantime.

I had to make a claim with WN in Colombia, I sent all the papers in Spanish. I had to write my own version of what happened in English but besides that everything was in spanish. no problems, got the refund 1 month later

Timing depends, send as much details and proof as possible

devices insurance tends to be very expensive, I have seem some that charge even 10% of the device price monthly.
As other mentioned, I'd rather have 1k-3k saved or even available in CC for something like that