travel insurance
 

Hi,

Just some info on the insurance I use.

I'm with Atlas Insurance (International Medical Insurance & Travel Medical Insurance | HCCMIS) and they have been happy to cover me for all the countries of my trip (84 so far) expect Iran.

I am a Canadian citizen, but I'm not enrolled in any Canadian gov. insurance since I'm not a resident. That means the plan is not based on re-embursement from the gov or anything.

My current coverage, including a sport rider addition, cost $414US for coverge from 1/9/2012 to 8/20/2012
It has a 100,000 limit and 1,000 deductible (you can change that if you want)

Everything is done online and they e-mail the coverage details and such.

I had an accident on dirt roads in Bolivia that was worked on in Chile (emergency surgery, etc). The cost was cheap (around $5500USD) and they covered everything except for my crutches. I just e-mailed them all the records and bills and in less than a month had a cheque. Recommended.

finally found.. ahh
 

Noted with great thanks. Same here, Canadian living abroad, ok while covered with my employer's insurance but then what.. when I'm done and ready for hitting the road from where I stand, far away from home land. Useful post, thank you! /C

No worries.

That was exactly the same problem I had in finding insurance since as soon as you say you're Canadian almost all the travel insurance assumes that you are part of a Canadian government program.

I was still a little concerned about this one since I figured that somewhere buried in the disclaimers there would be something about them assuming some reimbursement or something. When I made my claim it never came up and with only the $25 for crutches being denied I was a pretty happy camper. I did have to pay for the treatment up-front, but they are supposed to have some way of having them pay direct, but with all the language hassles and everything I figured it made more sense to just pay and then worry about the rest later.

Note- if you are traveling to The US as well as other places, make sure to get one policy that only covers you while there and then get another one for when you are elsewhere since the premium increases dramatically if you include US coverage.