Just an FYI for the insurance inquiries.. I did a US trip last summer, got health insurance before leaving, paid a premium to even get the evacuation and upto $5K in vehicle return option. I had an accident in Virginia, they covered the hospital bill. However, a big however, spent hours back and fourth on phone calls, they did not cover any hotels or expenses related to the accident. In fact, the reps told me, since the accident occurred during my insurance being active, I was on the trip anyway and they have no reason to cover staying expenses, which was ridiculous, because I was supposed to be camping, not in a hotel recovering.
On top of that, I requested to use the vehicle return option and fly me back to Canada, they said not until doctor says I cannot ride and gives a note. I spent 6hrs in an Emergency room waiting to get this letter, I get it, and they tell me to call in 3-5 business days cause the vehicel rep is away(all while I'm paying from my pocket at $120/US a night per room mind you) to speak to a rep. I wait 3 days, doing squat, the rep tells me oh, It was a motor vehicle accident, we have to go through your Motorcycle insurance and file an at fault with them, so they can cover all your expenses. I told her to piss off, I paid them for TRAVEL insurance while travelling, I hung up, got on the bike, and rode it home.
Oh, and mind you, since they got the note saying i couldn't ride, they told me I would have no coverage if I attempted to ride myself out of there, a nice trap. Luckily the hospital visit was before all this and already filled the claim under their policy automatically.
Needless to say, if it's an accident you can walk away from and need care, say you slipped and fell, don't say it happened on the bike or else they will go through your insurance to raise your premiums.
here, have some free money, oh my no thank you I can't accept, can you pay to exchange that into US$ and then give it to me? 
www.td.com
