Travel Insurance for over 1 year

I am a Manitoba resident who has been away since September 15, 2008. My MB Health Insurance expires September 15, 2009. I have travel insurance but that too expires September 15, 2009. Does anyone know of a company that will insure me when I don't have MB Health? Most seem to cap at 365 days, since that's all the province will insure me for. Any help is greatly appreciated

Travel insurance generally only is valid for a year, are you still legally a resident of Manitoba? If you are you can just renew it.

I am a Manitoba resident, but because we are gone for over 1 year we lose our "MB Health" coverage. So when we go back we have to reapply for our MB health card. So I need to find an Insurance company that will insure me for when I have gone for over 1 year.

Well you either are a resident of Manitoba or you aren't, if you maintain residential ties to Manitoba, have an address there, pay taxes etc. then you are entitled to healthcare there. I know there are these screwy provisions in certain healthcare plans, like in OHIP about how many days you have to be physically present, but there's no way of the Province knowing how many days you are physically present and enforcing those provisions against someone who is actually paying the taxes in that Province is next to impossible, imv. They have no evidence (you can't be forced to testify against yourself) and how would they withdraw it, through arbitration? Is it even a criminal offence? "Well your honour, the defendant has a driver's licence here, pays taxes here, and has a home here, but we have a feeling he hasn't actually been here for so many days so we want him to be fined for not turning in his healthcare card."

Not going to happen.

The real problem is the limitations they put on out-of-Province claims on the programme, that's why you need the travel insurance.

Don't know about Manitoba, but for Ontario anyway you can apply before you leave the province for extensions.