Doesn’t the insurance company provide instructions on how to call collect? The thing is collect calling has been kind of a neglected business in the past few years with the new ways one can place calls via a WIFI connection using Skype or other VoIP service. Have you tried this? I believe calling toll free numbers is free with Skype. If you don’t own a smartphone or you don’t have access to a wifi connection try going to an Internet café – they usually provide ways to dial internationally.