I live a very healthy life style (vegetarian no alcohol or drug use exercise almost every day meditate do yoga sleep well ....:) and I move to costa rica a couple of years ago. When I look for insurance back then I decided to take regency for expats, took the fully comprehensive plan which is the best and includes most things. Expensive but at my age you want something that can cover your ailments of getting older. I started having low back pain and hip pain cause by a change on my gaite as a result of an injury on my feet. The body tryed to adjust and the pain move from my feet then to my knee last to my hip and lower back. I didn't settle with what doctors were saying that it was related with aging and were prescribing pain meds. I am also a firm believer that when body has pain, you need to find the cause and not just numb it because it can cause farther damage. I was not happy with this approach and got an appointment with an specialist, whom listen to my concerns and went ahead and ordered an MRI. I am glad he did because we found the cause of the pain and treat it. (Probably the untreated condition changed the way I was putting pressure on the rest of the leg and cause a borderline dysplasia which cause a tear in the labrum) Because of the MRI they were able to see the cause of the pain and suggest a treatment. For the first time in a while I was able to be pain free and now with the treatment and therapy, I am in good shape. Now, there is the bump. In the diagnosis it said “Borderline dysplasia” and for Regency this diagnosis is not covered and wont cover anything related to it beacuse they classify it as a congenital disease. so I submitted a claim. Although, the persone attending the claim was polite, it took 6 month to resolve the claim and no-one ever talked to me. They wont cover it. Period. And they wont even take a phone call. So for this year on top of the Full price 6.500 u$ For my plan, I spent another 2.500 extra. Very disappointing. My intention writing this is to help others be careful when choosing insurance for those entering certain age :).