Can I take occasional trips throughout the year and still be covered by expatriate insurance?

Apr 22, 2024 10:42 AM 1 Answers General
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Hello, I'm Spanish and I work in Colombia. I have purchased one of your Gold Expat insurance policies. I'd like to know if it would be possible to take occasional trips throughout the year, since I'm constantly on the move, and be covered by your insurance?

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Apr 22, 2024

Hi, thank you for your message and your trust. With our Gold line insurance contracts, you are covered during your one-off trips of less than 60 consecutive days. I will explain in more detail how it works and what the extent of your coverage is for each situation:

Your country of origin for insurance is Colombia. You benefit from complete coverage in Colombia, including routine medical consultations, according to the terms and guarantees of your contract. When you travel to a country in the same or lower rate zone, you also get full coverage for 60 consecutive days, including for routine care. If you are traveling to a country outside your rate zone, such as the United States, you are covered only for emergencies and accidents, also with a limit of 60 consecutive days.

This limit is not annual, but you cannot be covered for more than 60 consecutive days abroad.

For example, if you go to the United States, you are covered for emergencies and accidents for 60 consecutive days. After the 61st day, you are no longer covered. However, if you return to Colombia between your trips, the 60-day counter is reset. So, a stay of 70 consecutive days in the United States will not cover you from the 61st to the 70th day. But if you spend 60 days in the United States, then return to Colombia, then return for another 10 days in the United States, you will be fully covered for the duration.

Here are the tariff zones, for your information:

Zone A: Worldwide excluding countries zone B and C;
Zone B: Saudi Arabia, Bahrain, Brazil, Canada, United Arab Emirates, Hong Kong, Israel, Italy, Japan, Lebanon, New Caledonia
Qatar, United Kingdom, Russia, Singapore, Switzerland;
Zone C: USA and Bahamas.

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