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Don't wait until the last minute to get insurance. My wife, a Dominican citizen, and I retired and bought a home several months ago in Punta Cana. As I have very good insurance back in the U.S. I went looking for a catastrophic short term insurance policy should I suffer from coconut head trauma. Last month my wife and I applied for health insurance and I was denied out of hand because my 65th birthday was less than a month away. I'm in very good shape for my age but the representative told me they can deny you health insurance for up to year before your 65th birthday without cause.