Hi there.. I am also researching options. I am in Ontario Canada and it is 16,000 self pay only. I can go 1/2 hr over border for 16,000 USD but the exchange is not so good. Mexico seems to be ok from all I have read but in the event of issues it's a flight back is my only concern there. The price difference is crazy.I see US people getting coverage somehow. That would be nice. Big decision to make here for sure especially if it ends up having to be removed and start over again with another 16,000? eek. Reading these forums has helped me learn ALOT!