Post # 1
So my Fiance comes and stays for roughly 3-5 weeks 4 times a year, more or less. She is English and the NHS does not have a reciprocal care agreement with the United States. What does your SO do to ensure that they have coverage in case they need it while here in the US? My insurer won’t add her to my policy until we’re married, and as far as I can tell, insurance companies won’t sell to a foreign national who doesn’t have a US permanent address. Would love to know how you handle health care!
Post # 2
I’m not in a relationship like this, but I would just make sure I have travel health insurance. My current insurance covers this, as long as I let them know I am leaving the province.
Post # 3
Thanks very much for your suggestion! She had actually assumed that health care was covered under her traveler’s insurance, but we just checked and it is not. We’ll look into purchasing a private plan in the UK and then add on a US travel cover.
Post # 4
Does she have an ongoing condition that needs treatment?
My SO has travel insurance with medical cover. He’s been here several times and has never used it but it’s available just in case.
Post # 5
She’s perfectly healthy but suffers from chronic severe migraine. Occasionally, her migraines will manifest with new symptoms and because it is possible to confuse those symptoms with something more critical, we both feel it’s important for her to have access to medical care that won’t cost an arm and a leg.
Thanks for the suggestion about adding a medical cover! She does have one. Unfortunately in her case, since this is technically a pre-existing condition, her travel insurance will not cover any care related to it. (But it does cover catastrophic/emergency care not related to her migraines.)