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Old 04-28-2008, 04:19 PM   #21
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Location: Colorado, USA
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Grizz, your questions are almost impossible to answer. Insurance is the US is regulated by the states, so the answers vary from state to state. Martha's FAQ on private health insurance is a good place to start.


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Old 04-29-2008, 02:32 AM   #22
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Grizz, if you maintain Canadian residency, you should probably look into special travelers' insurance. I don't think US insurance from state X is what you are looking for if you are not a US resident and a resident of destination state X.. (although I guess there's the off chance someone might take you if you maintained a US address and were willing to pay 12 months' of US premium$).

I can't vouch for the reputations of any travel health insurers, but I usually buy into it for trips to the US just in case of emergencies like an auto accident. Last year I paid for 2 weeks at about $60 for $1mm - $1.5mm max coverage.. this is FAR less costly than "normal" US insurance, but may also cover less stuff. I have no experience with filing claims (knock on wood!). The good part is you can quickly get a quote online and sign up for instantaneous coverage with a credit card. I have used this one:
New Site (
but there are many others.. just search on "travelers health insurance". I don't know where you can get independent ratings of how good the coverage is.. but I found this comparison site:
Travel Insurance - Compare Every Major Company - Instant Cover

Are there laws that guarantee that an insurance company must cover you or are there walking wounded in the U.S. that have plenty of money but no coverage, or coverage for everything but can't get any for their pre-existing health issue?
Answer to all three is: yes (but I think only MA is guaranteed-issue -- someone must cover you, and you must pay, w/state subsidies for the indigent).

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