travel insurance problem

[bubbles4920]

i dont get it. we now live in the states and want to get annual travel insurance for worldwide travel. when i click on a usa website as we are non- residents ie on a visa, it then forwards me onto a uk website that says we must reside in the uk. so how do non residents from the uk get travel insurance cover in the states?? just think if we had to be repatriated by medi plane or something and our policy was a UK one, they wouldnt really fly us back to the usa would they, they would expect us to live in england.
nb. this also appears in the insurance topic.

[loonytunes]

Here's a clue. You are living in the States but your visa status does not allow you to live there. You are therefore non resident in the USA. That means you must be resident somewhere else, ie. the UK. That's why you can't get insurance. Think about it. If everyone living in the US didn't want to pay for medical bills, they could all go out and get travel insurance for a fraction of the cost. You can therefore only obtain insurance in the UK for your travels which will, of course, be limited to 31 or so days in a year. If you tried to claim against it, the first thin they will want to see is your travel and flight booking details to confirm that you have not lived in the country you are claiming for for more than the maximum period.

[bubbles4920]

sorry but still dont get it. we have a visa for 3 years but are non resident aliens. i would get travel insurance from the uk but we no longer have a property there, we sold up before moving to states. my main concern is that if we were ill abroad ie in spain and had to be air lifted home, they would surely think home was the uk but we of course would want to be sent back to the states as this is now our home. solve that one!! any more help and advice appreciated as im leaving states on monday for a month to go to uk then on to spain.

[loonytunes]

But you have answered your own question. You are not resident in the US. Consequently you cannot get insurance because you do not meet the terms upon which insurers are willing to insure you. Nobody is obliged to give you insurance. It is based on risk and what it is likely to cost the company. If you can't get it, you must travel without it.

[bubbles4920]

so i cant get it in the uk then, still unclear?!

[bubbles4920]

so i cant get it in the uk then, still unclear?! there must surely be other people out there in a similar situation to us?!

[Dee Sa]

surely there is a UK family member or a friend who will let you use their Uk address ?

[Dee Sa]

Have you tried a UK /USA travel broker rather than a travel insurance company ?

[bubbles4920]

but if i use an address in the uk for a relative, if i have to be flown home because im ill/broken leg etc i doubt they would want to fly me to the states if i havent given that as a home address. dont know any details of brokers and what the difference is.