When does a tourist become an expat for medical insurance purposes?
- Clutch Cargo
- Expatriate
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Re: When does a tourist become an expat for medical insurance purposes?
In theory I don't see why being a constant tourist traveller in retirement as you describe, would be denied travel insurance. But of course I suggest you go through your credit card's travel insurance Product Disclosure Statement (PDS) with a fine tooth comb and look for anything that might cause ineligibility.atst wrote: ↑Fri Jul 30, 2021 3:47 am I'm starting to think about not being an expat when this covid crap is over and you can fly, doing just two months at a time on tourist Visa doing visa runs ,I'm retired and $3000USD a year in premiums would go a long way towards air fares. Travel insurance on my visa card only. More thinking juice needed
Any thoughts everyone.
I think the only time where some risk comes into it IMHO is if your residency status changes. That is, if there's evidence that you've relocated and are no longer a permanent resident of your issuing country.
So if for example, you start doing things like: going to the same country each time, no longer on a tourist visa (eg say, you opt for a retiree visa extension for convenience in KOW), you no longer stay in hotels but take out a long term lease on rental accommodation, you rent out your house and sell your assets in your home country (or put in storage), et al Then, I think, they are likely to start asking questions in the event of a claim and the onus will be on you to prove to them that you are still a permanent resident of your home country. In that event, it could drag things out and hamper coverage.
My CBA credit card travel insurance had a maximum trip period of 12 months.
Re: When does a tourist become an expat for medical insurance purposes?
What you advise me not to do is basically what I'm doing now, ( so uninsured) but when covid stops and travel opens I think I'll become a tourist again with a base in my home country as I've suggested earlier. I did have nomad yearly travel insurance which covered me ( but not so sure once I got a retirement visa).clutchcargo wrote: ↑Fri Jul 30, 2021 2:11 pmIn theory I don't see why being a constant tourist traveller in retirement as you describe, would be denied travel insurance. But of course I suggest you go through your credit card's travel insurance Product Disclosure Statement (PDS) with a fine tooth comb and look for anything that might cause ineligibility.atst wrote: ↑Fri Jul 30, 2021 3:47 am I'm starting to think about not being an expat when this covid crap is over and you can fly, doing just two months at a time on tourist Visa doing visa runs ,I'm retired and $3000USD a year in premiums would go a long way towards air fares. Travel insurance on my visa card only. More thinking juice needed
Any thoughts everyone.
I think the only time where some risk comes into it IMHO is if your residency status changes. That is, if there's evidence that you've relocated and are no longer a permanent resident of your issuing country.
So if for example, you start doing things like: going to the same country each time, no longer on a tourist visa (eg say, you opt for a retiree visa extension for convenience in KOW), you no longer stay in hotels but take out a long term lease on rental accommodation, you rent out your house and sell your assets in your home country (or put in storage), et al Then, I think, they are likely to start asking questions in the event of a claim and the onus will be on you to prove to them that you are still a permanent resident of your home country. In that event, it could drag things out and hamper coverage.
My CBA credit card travel insurance had a maximum trip period of 12 months.
I'm standing up, so I must be straight.
What's a poor man do when the blues keep following him around.(Smoking Dynamite)
What's a poor man do when the blues keep following him around.(Smoking Dynamite)
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