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SF consulate minutiae

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Explorer88
9/7/2019 20:53 EST

I'll keep it short. I have read that the SF consulate will not accept travel health insurance. Can you join AfPop Medal from the US before moving, and does it meet the standards required? thanks.

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Aranthama
9/8/2019 04:30 EST

Ran into same problem at SF Consulate, where they told me Lisbon would not accept my Allianz heath insurance because it was for "Shengen area" and not "Portugal." Purchased new insurance -- which on the "Embassy Letter: specifically designated "Portugal" as country of destination - from Atlas International® Administered by: Tokio Marine HCC - MIS Group Underwritten by: Lloyd's.
Got this through an online broker called Insubuy. You can call and tell the broker what you need.

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mrosephoto
9/8/2019 04:41 EST

Apparently since most Portuguese insurance companies are no longer offering insurance until you are a resident of Portugal, the SF Consulate is accepting travel insurance. However, as I caution everyone, do not take this as word. Find yourself a good expeditor (not an attorney) who is up to date on all the latest changes. Everyone who writes here has an experience true to them but not necessary that is still valid as the rules keep changing. You can find someone between 150 and 600 euro who will guide you through the process.

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mrosephoto
9/8/2019 04:41 EST

Apparently since most Portuguese insurance companies are no longer offering insurance until you are a resident of Portugal, the SF Consulate is accepting travel insurance. However, as I caution everyone, do not take this as word. Find yourself a good expeditor (not an attorney) who is up to date on all the latest changes. Everyone who writes here has an experience true to them but not necessary that is still valid as the rules keep changing. You can find someone between 150 and 600 euro who will guide you through the process.

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craigandmicki
9/8/2019 06:15 EST

Good updates from members here about SF / VFS Global and health insurance. Travel policies through any broker or agency have been accepted for several months but ONLY if the statement of policy summary or a cover letter from the insurer specifies Portugal, such as "For Portugal and the entire Schengen Area'. Brokers and agents will provide this if you ask.

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Explorer88
9/8/2019 15:01 EST

thank you!

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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

Explorer88
9/13/2019 15:32 EST

I guess my conclusion at this point is don't believe everything you read, especially on expat sites, including this one. I'm getting feedback now about the supposed demand for a "financial guarantor" for all applicants in San Francisco, regardless of financial means that Ms. Stults states in her special requirements section. This could also be outdated, or based upon individual situations perhaps? Anyway I was accused of being alarmist or paranoid by others, so I will stop "looking for problems". :-) Thank you for letting me vent.

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craigandmicki
9/14/2019 06:12 EST

To "Explorer88'. We are confused about your comment " I'm getting feedback now about the supposed demand for a "financial guarantor" for all applicants in San Francisco, regardless of financial means that Ms. Stults states in her special requirements section". The demand (requirement) is in force and is being requested by the SF VFS Global agents. Did you not need it?

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dancebert
9/14/2019 06:19 EST

Perhaps Explorer88 is having difficulty seeing how the requirement for a financial guarantor is universal and not dependent upon one's financial means. The SF consulate has requirements that are, or were when they were implemented, more difficult to meet than other consulates. It's because they're swamped with visa requests. Making it more difficult for the applicant discourages or prevents making the application.

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craigandmicki
9/14/2019 08:22 EST

To 'dancebert': You provide a clear comment about why Explorer88 might have posted his question regarding the SF requirement for a financial guarantor. I certainly didn't read his comment that way. It seemed he questioned the veracity of this site and of the article. Thanks for your perspective.

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Explorer88
9/14/2019 13:07 EST

Perhaps people are lying to me on Facebook about their recent VFS experience in SF, but why would they do that? Anyway, all I'm saying is things are not always set in stone, as per the ban on "travel insurance".

I know there is a requirement for a general letter of reference from someone in Portugal or the EU, but getting someone to actually guarantee your total finances for a year is a pretty big deal. There is a difference between a "reference" and "financial guarantor". I don't know anyone who would do that besides my parents, and they are dead.

I do know I won't we asking the question of how to get one on FB or other sites again, as people accused me of "trying to scare people and starting rumors".!!

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craigandmicki
9/14/2019 13:38 EST

To 'Explorer88': The FB groups of which you are a member are not those that provide much in the way of actual research, legal references or resources. I've seen your posts, seen the responses and can detect where people are making some crucial errors and misstatements. The financial guarantor is a role that as been described as risky in the article here, "US CItizens Moving to Portugal", and alternatives for getting the guarantor letter provided. You've said before that you're going thru DC, not SF; you've played around a lot with moving to Mexico. Maybe you're mixing yourself up with so many variables? Anyway, hope it goes as well for you as it can.

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enjoylife2016
9/14/2019 23:11 EST

Our appt was on Aug 20 and yes it was required. They asked us how we knew our guarantor

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Explorer88
9/15/2019 14:48 EST

I spoke to someone who just received their visa from SF, and it was NOT required. So please, stop with the abuse when anyone dares question this hallowed ground and the Royal We (lol) oh brother! Bye all!

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realspear
9/15/2019 15:06 EST

What abuse? I see nothing resembling abuse on this thread.

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Jarsten
9/15/2019 16:45 EST

RELATED QUESTION

Hi all.
First please be patient with me. I’ve met many of you in PT, I love the country and the language and I’ve been planning to retire there for years. I know there are tons of posts and links, but they’re contradictory and anyway, as see below why your indulgence would be appreciated .


. My challenge is that I was diagnosed with a very slow cancer this year. There’s none left in me that’s visible on scans but it is chronic and so they won’t ever pronounce me cured, even though i have a normal life expectancy and may never need treatment.

As I understand it, even after you get your visa and land in Portugal, you need longer term insurance to get the residency permit.

CIGNA already turned me down. It sounds like I may not be able to move to PT if I cannot get an Allianz or Atlas policy. I’ve read comments that they don’t seem to care about pre existing conditions. But unless they offer policies with no cancer coverage, I’m probably out of luck. By the way, my employer provides health insurance for retirees until Medicare age, and thus if I needed treatment I’d return to the US anyway

Our alternative is to rent in PT full year even though we can’t be there more than 3 months at a time, and spend the rest with parents and in Mexico.

So...any guidance about insurance and my fall back plan would be appreciated, even in private messages.

Hope to see you again soon!

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craigandmicki
9/16/2019 05:52 EST

To "Jarsten' re: insurance. You mention "long term insurance', which is a different form of insurance altogether from basic 'health insurance'. Regardless, let the experts help you. For your health insurance options, reach Miguel Salvador at Target Solution or Ged Heaney; both are trusted insurance advisers and sellers and will help you personally. Both are on Facebook.

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dancebert
9/16/2019 13:50 EST

@jarsten

The Allianz policy available through Medal covers pre-existing conditions if: 1) When the condition first occurred you had insurance that covered it, and have been continuously covered for it since, AND 2) They decide to cover it. Number 1 is a matter of documentation. If anyone can explain #2, I haven't seen it. I do know my pre-existing conditions met #1, and they decided to cover them.

>you need longer term insurance to get the residency permit.

Which an official list of the requirements for the permit defines as "Health insurance or supporting evidence he/she is covered by the National Health Service". In other words, a generic health policy. I assume they want to see a policy that has at least the same duration as the permit, or is renewable. While investigating PT health policies, all prices were based on a duration of 1 year.

https://imigrante.sef.pt/en/solicitar/residir/art77-1/?fbclid=IwAR1Ze85WpppA-GL6KWl_iAeG0v7Em3TxEiu8sVNpHYHNKtOPx0-SMe7E-qw

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