When I was living in Canada, I'd get an annual plan from my bank. It allowed me 30 days outside of the country. I can't remember too many details, as I've never

When I was living in Canada, I'd get an annual plan from my bank. It allowed me 30 days outside of the country. I can't remember too many details, as I've never made a claim on travel insurance, but I regularly participate in sports that can easily put me in hospital. Since moving to Australia a few years ago, travel insurance has been a pain. 1) Most insurers won't give you coverage if you are travelling to or through your home country. So, what are you supposed to do? I'm not covered as a Canadian anymore and they consider "home country" to be the country of your passport, not residency. 2) I'm getting up there in years, and as of next year, the one company that will insure me for travel to my home country won't insure me while skiing - there isn't an add on package that would allow this. Really, I think my biggest gripe is that, as with most insurance, you read through all the fine print and then wonder what you're actually paying for. My father always said insurers are much better at collecting money than they are at paying you back for insurance. I like that you're looking to improve this. Are you looking to become an insurer? Or more like a service which would point users to the right insurers? Take a look at https://onebigswitch.com https://onebigswitch.com this might be an interesting model for you, and a neat way into the market.