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Travel Insurance: Trip to Thailand

 
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Kaypea



Joined: 09 Oct 2008

PostPosted: Mon Dec 28, 2009 10:17 pm    Post subject: Travel Insurance: Trip to Thailand Reply with quote

Hi everybody,

I was looking at purchasing travel insurance from World Nomad travel, but they say that you need to have coverage in your residential home (ie. where you would like to be repatiriated in the event of severe injury or the unthinkable).

I was checking the BC (my home province) health coverage website, but I'm not sure if I'm covered.

On the one hand, I never cancelled my insurance, so I might still be on the rolls.

But, they state that if you move out of the country, your health insurance expires within a month.

I think there was a discussion on this recently, but I can't find it.

Any advice as to travel insurance? I don't think it would make sense to be repatriated to Korea if I get injured..
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runthegauntlet



Joined: 02 Dec 2007
Location: the southlands.

PostPosted: Tue Dec 29, 2009 2:25 am    Post subject: Re: Travel Insurance: Trip to Thailand Reply with quote

If you're still in the middle of your contract and have NHC here, you might want to be repatriated here. If your friends and family and everyone else are back in Canada, you may want to be sent there.

No easy answer to this but in the end, most likely not going to be an issue anyway.
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Kaypea



Joined: 09 Oct 2008

PostPosted: Tue Dec 29, 2009 3:38 am    Post subject: Reply with quote

Thanks, Run. LOVE the avatar, BTW. Did you do it yourself?

I just did a simple google search and found the last conversation from here on travel insurance.

I think you made the point that basically, if you needed repatriation, you'd be so messed up that you would need family, even if just to say goodbye.

Good point, but World Nomad won't even insure me without at-home insurance.

SO I think I'll list Korea as my country of residence, just to have some coverage in case I get robbed or somewhat injured, but still able to work in a reasonable amount of time.

IF I GET REALLY MANGLED UP OR DIE~

I'm sure I'll find some way back to British Columbia.
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runthegauntlet



Joined: 02 Dec 2007
Location: the southlands.

PostPosted: Tue Dec 29, 2009 5:18 am    Post subject: Reply with quote

Kaypea wrote:
Thanks, Run. LOVE the avatar, BTW. Did you do it yourself?

I just did a simple google search and found the last conversation from here on travel insurance.

I think you made the point that basically, if you needed repatriation, you'd be so messed up that you would need family, even if just to say goodbye.

Good point, but World Nomad won't even insure me without at-home insurance.

SO I think I'll list Korea as my country of residence, just to have some coverage in case I get robbed or somewhat injured, but still able to work in a reasonable amount of time.

IF I GET REALLY MANGLED UP OR DIE~

I'm sure I'll find some way back to British Columbia.


No, I found it somewhere a while ago. Probably on some other forum.

I'm curious as to why you think they won't insure you if you don't have insurance in your 'home' country. I emailed them about a year and a half ago with a question like yours and the guys said to just choose the place I'd want to be repatriated to. I've used Nomads twice since then without having insurance back in the States and have never heard of them refusing coverage to someone because of that. Have they told you something different? That would certainly affect my insurance options for my next RTW in two months.

Even their FAQ says this:
Quote:

Your country of permanent residence can be defined as the country you would wish to be repatriated to in the event of a medical emergency and where you would be able to then receive long term medical care, if required. You must also be legally defined as a permanent resident (not temporary) of that country and have a residential address that you can refer to within that country. Please be aware, however, that your policy does not cover expenses incurred within your country of permanent residence.


It doesn't say they'd refuse coverage for not having insurance. I'm sure the majority of American backpackers do not have insurance back home as their isn't much to go with. And other RTWers may not have much either, though that'd depend on home country.... Think I'll email them myself about this, too.
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Kaypea



Joined: 09 Oct 2008

PostPosted: Tue Dec 29, 2009 9:52 pm    Post subject: Reply with quote

The lady specifically said that I had to be covered by my provincial health care plan for her to insure me. I think it may be a special thing to do with being Canadian or being from my province, British Columbia.

I didn't see anything about having to need home coverage until I read the details specific to my case. And, the lady confirmed it in an email.

Any resident of BC (or any Canadian province, I guess) automatically gets health insurance, as long as they live there, which may be why they only take Canadians (or people from BC) who are currently covered.

however, it's strange that they will cover uninsured Americans just the same... who knows?


So, I think I'll get the insurance and sign up as a resident of Korea, because our health insurance doesn't cover any treatment we may need while in other countries.
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runthegauntlet



Joined: 02 Dec 2007
Location: the southlands.

PostPosted: Tue Dec 29, 2009 10:36 pm    Post subject: Reply with quote

Ah, I see. Alright, thanks for the heads up! I'll look into it more myself. Have a good trip!
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