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I read a comment by a Canadian who as a new applicant, qualified for a 3 year pensioner's visa (M) using a health insurance policy that covers him when he is out of the country up to 40 days. I think this warrants further analysis by the expat community on this forum, particularly by me.

As for the health plan, under the Public Service Health Care Plan you are covered for medical emergencies up to $500,000 CAD, if you are outside your home province for the first 40 days. I provided a letter from the insurance plan confirming the coverage: repatriation, medavac, hospitalization.

I can see why an agent looking at that document could reasonably conclude that the applicant meets the requirements: the M visa doesn't require continuous presence in Colombia. All it requires is that the M visa holder not be away for more than 6 months at a time. So, in theory, an M visa holder can visit for 40 days at a time, 182 days apart, and be in total compliance. On the flip side, a stricter agent could say I need to show medical coverage for a three year continuous period. It's a crap shoot.