Home Colombia Forum Colombia Guide Moving to Colombia Real Estate Healthcare in Colombia
Colombia
Resources
City Guides
Cigna International Health Insurance
JoinSign In
Cigna International Health Insurance

Colombia Expat Forum

Travel Insurance

Post New Topic
burns
8/11/2019 05:54 EST

I have seen allot of healthcare information-on the board for people who plan to reside i Colombia. Can someone recommend a website for medical travel insurance that would cover me 180 days in Colombia and 185 days in Costa Rica ? My insurance broke says there are plans that cover specific hospitals. I also need to learn the better hospitals in Medellin , i already know them in Costa Rica,

Post a Reply

00abuse

ParadiseLost
8/11/2019 09:22 EST

On Travel Insurance many of them are only for use for emergency cover, that is it excludes anything that can wait until later plus of course pre existing conditions are omitted.

For my travel I use World Nomads.

Plenty of articles online about ‘world class hospitals in Medellin’. Most of those articles don’t go into much details about specialities nor mention that the waiting times for those on non Private care may not be short.

Plus the other problem if you have an emergency (say an accident) of the ambulance taking you to your preferred hospital.

As many of the sites say you’re not buying health insurance you are buying travel emergency insurance.

Maybe your broker has something more comprehensive.

Post a Reply

00abuse

expat health insurance from CIGNA

Choosing an expat health insurance provider is an important decision. Get a quote from our trusted expat health insurance partner, CIGNA. With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family.

Learn More Get a Quote

Elexpatriado
8/12/2019 15:07 EST

Noma Worldwid is good I heard.

I used HCC Atlas on trips outside of Colombia and Canada, but never had to test them.out

Avoid Assistcard..overpriced and a bunch of scammers

Post a Reply

00abuse

Elexpatriado
8/12/2019 15:13 EST

You can get an emergency package from Nomad and an emergency evacuation package. I got one when I first came to Colombia. COst about $ 900 US.cant remember the name now.

Lotts of options out there, including payong out of pocket.

Medicina prepagada may takrme you for 6 months a year.Talk to them.

BTW ..YOU DONT NEED A CEDULA AND EPS TO GET MEDICINA PREPAGADA.DONR BELIEVE ANYONE WHO TELLS YOU OTHERWISE.I AM .LIVING PROOF OF THIS.

Keep searching til.you find something suitable

Post a Reply

00abuse

BlueSeas
8/12/2019 19:29 EST

I'm not sure this would work for a split Costa Rica/Colombia expat. But if you maintain residency and full insurance in the US like we do, Then I have a possible consideration.

We use Travelex, about $125 for 90 days coverage in Colombia. $40 a month for two. It covers up to $50,000 in medical expenses per trip. It also includes coverage for an air ambulance (up to $500,000) for returning to the US if medically necessary.

Like every USA medical coverage policy, it excludes preexisting conditions. It does allow you to prepay for care and submit for reimbursement, So to some extent here you would be considered a private pay patient, assuming you can front the cost.

We are on our third 90 day policy in two years without needing to make a claim. So I don't know how hard that process would turn out to be. It is a Berkshire Hathaway backed company, so at least they are well funded.

Not intended for "long term care", but I assume an auto accident, a heart attack or stroke etc, would cover all initial treatment. If an immediate surgery was needed, that's probably cheaper for them than the air ambulance?

Post a Reply

00abuse

ParadiseLost
8/12/2019 19:44 EST

@blueseas how strict are the pre existing conditions. I guess many of here might take some blood pressure or heart medicine. With the example you give of a heart attack would either of those qualify as pre existing?

I’ve noted differences in age restrictions on some carriers ranging from 60-80 years. That’s going to be a factor for many.

Post a Reply

00abuse

expat health insurance from CIGNA

Choosing an expat health insurance provider is an important decision. Get a quote from our trusted expat health insurance partner, CIGNA. With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family.

Learn More Get a Quote

BlueSeas
8/12/2019 20:09 EST

Paradise:

Actually they waive preexisting in some circumstances. See:

https://www.travelexinsurance.com/documentation/displaydocument.ashx?filename=TSB-1117_0102_00000.pdf

And

https://www.travelexinsurance.com/documentation/displaydocument.ashx?filename=TSB-1117_0204_12207.pdf

That said, they probably won't cover preexisting routine medications.

Going back to find this documentation, I was reminded we do sort of skate by on a premium loophole. They price the Policy on trip cost. All we claim is airfare and R/T taxi to our apartment. If you paid rent, unique to the trip, doubt that would work and you would have to increase the cost. Doing this nullifies much of the "travel interruption" and other provisions based on trip cost. I suppose they might argue the "trip cost" of $1000 for 90 days, but there isn't any language that dictates how to determine this amount.

The rates are in one of the links and are per trip, up to 364 days.

Post a Reply

00abuse

ParadiseLost
8/12/2019 20:31 EST

The documents attached are a useful primer in all the things you need to be careful of. For example, you need a US Primary Residence, two no open dates on the travel.

One benefit for the stated medical coverage of $50k is that goes quite a long way in Colombia whereas in richer countries it’s not going to cover major events.

Post a Reply

00abuse

BlueSeas
8/12/2019 21:23 EST

What is "two no open dates"?

I agree, like I mentioned in the original post, this only good for non-residents with a primary home and Insurance in the US.

Post a Reply

00abuse

ParadiseLost
8/12/2019 21:46 EST

No open dates, you’re meant to have fixed dates for both ends of your travel - and ticketed

Post a Reply

00abuse

Expatriate Health Insurance

Get a quote for expat health insurance in Colombia.

International Moving Companies

Moving to Colombia? Get a moving quote.


Mail Forwarding to Colombia

Mail Forwarding to Colombia.


Expat Tax

Expat Tax Preparation, Expat Tax Professionals

Join Today (free)

Join Expat Exchange to meet expats in your area or get advice before your move. It's FREE and takes 1 minute!

Expatriate Health Insurance

Get a quote for expat health insurance in Colombia from our partner, Cigna Global Health.
Get a Quote

8 Expats Share What It's Like Living in Colombia

Expats in Colombia talk about what it's really like living there - deciding where to live, the pros and cons and more.
Expats in Colombia talk about what it's really like living there - deciding where to live, the pros and cons and more....

9 Best Places to Live in Colombia

Here are the 9 best places to live in Colombia according to expats living in Colombia. Expats share why they love living in each city, the climate, cost of living, social activities and more. Don't overlook the comments about heat and humidity in some coastal cities - while these conditions are ideal for some expats, they're oppressive for others.

Here are the 9 best places to live in Colombia according to expats living in Colombia. Expats share why they love living in each city, the climate, cost of living, social activities and more. Don't...

Living Abroad: Digital Nomads in Medellin, Colombia

Expats in Colombia have taken full advantage of this South American nation's miraculous comeback after decades of chaos. Digital nomads have also found there way to Medellin, its second largest city, for a wide variety of reasons.

Expats in Colombia have taken full advantage of this South American nation's miraculous comeback after decades of chaos. Digital nomads have also found there way to Medellin, its second largest city,...

Retirement-In-MedellinAn Expat Shares What it's Like Retiring in Medellin, Colombia

A retiree in Medellin talks about loving life in Medellin - it's been a great change of pace for him and his wife. He says that while some expats live on $1,500 per month, others live in $3,000.

A retiree in Medellin talks about loving life in Medellin - it's been a great change of pace for him and his wife. He says that while some expats live on $1,500 per month, others live in $3,000. ...

Moving-To-CartagoAn Expat Talks about Moving to Cartago, Colombia

An expat in Cartago, Colombia has found a little bit of heaven living in Colombia. He appreciates the much lower cost of living and admits he lives like a king in Colombia for $2,000 a month. He advises others moving to Colombia to bring only the necessities and buy furniture there.

An expat in Cartago, Colombia has found a little bit of heaven living in Colombia. He appreciates the much lower cost of living and admits he lives like a king in Colombia for $2,000 a month. He adv...

Colombia Guide
Other Links
Our Story Our Team Contact Us Submit an Article Advertising Travel Warnings

Copyright 1997-2019 Burlingame Interactive, Inc.

Privacy Policy Legal