I have worldwide (incl USA), high-end insurance coverage through Allianz, not travel insurance. The cost is exorbitant, so I don't really want to add another policy. BOI has responded with cut and paste (or not at all), not tailored to the actual question. I am hoping to hear from someone that actually went through the process with an annual insurance policy such as ours.
Yes, the school was pushing the education / guardian visa for wife & child for initial entry, so investigating options for myself led me to the LTR idea. Might as well do all of us on the same visa, seems worth the cost in terms of immigration hassles alone