Whale-ista
Super Nomad
Posts: 2009
Registered: 2-18-2013
Location: San Diego
Member Is Offline
Mood: Sunny with chance of whales
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How does this insurance plan compare to what people are currently using?
This looks pretty comprehensive. Offers expat coverage only or US and expat options.
Any comments? Would you consider this plan?
https://www.geobluetravelinsurance.com/index.cfm
\"Probably the airplanes will bring week-enders from Los Angeles before long, and the beautiful poor bedraggled old town will bloom with a
Floridian ugliness.\" (John Steinbeck, 1940, discussing the future of La Paz, BCS, Mexico)
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dtbushpilot
Ultra Nomad
Posts: 3293
Registered: 1-11-2007
Location: Buena Vista BCS
Member Is Offline
Mood: Tranquilo
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Looks pretty expensive.
"Life is tough".....It's even tougher if you're stupid.....
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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When I pulled up the 1,000 deductible with 80/20 it was $1281 per month. That makes it look a little like Obamacare. That is so overpriced for the
coverage it is almost laughable.
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Hook
Elite Nomad
Posts: 9011
Registered: 3-13-2004
Location: Sonora
Member Is Offline
Mood: Inquisitive
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My agent in AZ is recommending a plan from VUMI, called the Special VIP plan. It is world wide coverage including in the US, but I believe you cannot
reside in the US for more than six months, or you become ineligible. That's OK with us as we are in the States maybe three months out of the year.
http://www.vumigroup.com/portfolio/especial-vip/
5k deductible, coverage for me and the missus, runs 6400.00 US per year. 10k deductible is 5900.00/year. We've always been 5k deductible in our past
plans, so we pay for a bit of stuff below that level. I am 60 and take blood pressure meds, the wife is 49 and has had a basal cell carcinoma
treatment once in her life; she is a fair-skinned redhead.
He is also rather high on plans from Best Doctors but feels the VUMI plan is best for our pre-existing conditions. So, you might check out Best
Doctors and VUMI. We have until April to decide.
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Hook
Elite Nomad
Posts: 9011
Registered: 3-13-2004
Location: Sonora
Member Is Offline
Mood: Inquisitive
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Really, if you can find an agent who is knowledgeable about several companies, it's worth it. Unless you're trained in insurance, it can be difficult
and time-consuming trying to search for policies on line. They also have a perspective on how well the insurance company pays claims and how organized
their claims process is.
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Whale-ista
Super Nomad
Posts: 2009
Registered: 2-18-2013
Location: San Diego
Member Is Offline
Mood: Sunny with chance of whales
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thanks to those who replied. Agreed it makes sense to check with a good agent about options.
I currently pay for my own plan in the US, and I am considering other options as I look at living at least part time in Baja.
\"Probably the airplanes will bring week-enders from Los Angeles before long, and the beautiful poor bedraggled old town will bloom with a
Floridian ugliness.\" (John Steinbeck, 1940, discussing the future of La Paz, BCS, Mexico)
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rhintransit
Super Nomad
Posts: 1588
Registered: 9-4-2006
Location: Loreto
Member Is Offline
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and check with the agent re coverage...I once had a policy from a company, can't remember the name now, but was highly recommended. paid for a year,
never used it. decided to sign up again a few years later. a health questionnaire was required. because I had had several breast biopsies, all
benign, they would agree only to write the policy if it excluded any breast and/or gynecological problems. I passed. watch pre-existing conditions,
even if they are not conditions!
reality\'s never been of much use out here...
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