Have you guys looked into STA Travel? I'm American and have used them for two long rides through South America and Africa. Though I didn't have to file a claim, all seemed in order with STA's coverage and services. They’ve been around a long time.
I'm now shopping for a new policy for Africa ride #2 and STA again looks like the best bet. The STA Explorer Plus package provides $100K medical and $500K medevac at $289 for 12 months with 0 deductible. They also have a standard plan for as little as $33 (yes, $33) for six months, based on your up-front prebooked costs i.e. plane flight. Though that policy cannot be renewed, and a new policy cannot be opened unless you are physically in your home country.
I also looked into World Nomads and HCC MIS... both are a lot more expensive for the same $100K medical coverage. Ruled them out anyhow because they don’t cover one of my destination countries, Sudan, whereas STA does.
Maybe I'm missing something ...??? -- I'm no insurance expert by any means ... but from what I can tell STA seems like a solid and affordable option.
Their website does suck and can be confusing especially for generating a quote. I called them and a rep addressed a couple of questions and supplied PDFs of coverage documentation that I couldn’t find on the site.
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