Travel Insurance and Residency

I am doing some travel insurance shopping and I am finding the small print rule that you must have resided in the UK for at least 6 months at the time of applying for coverage. So that's fine, but the question is am I still a "resident" of the US until 6 months? It seems like a grey area. Is this just insurance jargon? I can't seem to qualify as a UK resident but don't live in the US either.

I've been living here f/t on a work permit for 3 months. I am just looking for basic medical coverage to visit the US.

I purchased travel insurance through my company and they did not have any residency requirements - just asked what country I was a resident in and what company my passport was in I think.   Is that an option for you?  I am guessing you would have checked already though...I will see what the name of the company is, perhaps they might offer insurance to anyone, not just employees of my company...

thanks geetak... i did lots of looking last night. main problem is the UK residency thing plus not going with a (some/all?) US carrier type policy because they won't cover you at "home" even when you reside abroad. Of course for the right price, you can get covered anywhere.  I still have residency in CA while living abroad but perhaps that's just political?

yeah i was going to suggest looking at a US insurer but then realized they won't cover you at home which is what you need...

darn I just checked my insurer's site and it looks like you have to be an employee of one of their client companies.  annoying!  anyway it's called Employee Advantage.

have you looked at AXA?  I couldn't see that they had any residency requirements but it could be in very very fine print somewhere.  I think the only requirement is that you have a UK address and be registered with a surgery somewhere here.

Okay, I've been doing my homework and this is what I've found...

AXA states:

United Kingdom residents
This policy is only available to You if You
are permanently resident in the United
Kingdom and registered with a Medical
Practitioner in the United Kingdom.

I am a bit wary about that "permanently resident" because I am here in a work permit and am not sure what "permanently" means... I certainly don't want to be here permanently 

Good news is STA travel will insure US Citzens travelling in the States. You don't have to be a student either.

http://www.statravel.com/cps/rde/xchg/SID-0A536D8D-FBB2C10F/us_division_web_live/hs.xsl/travelinsurance.htm

so there you go! 

Oh cool!  Well I think that 'permanent resident' thing just means that you are not a transient type resident - I wouldn't let a 5 yr work permit stop me.  But anyway STA is good too.

Hey you are coming on Friday right??? 

Oh cool!  Well I think that 'permanent resident' thing just means that you are not a transient type resident - I wouldn't let a 5 yr work permit stop me.  But anyway STA is good too.

Hey you are coming on Friday right??? 

I am one of those worst case scenario thinkers!  I wouldn't want to argue a claim to establish residency while lying in a hospital bed! 

no,  I won't be coming Friday, but it is for a good cause... expect me Sunday though! It will be good to see you again