Saturday, May 4, 2013

Travel Insurance Showdown: vs

After two months of alternating between being out of the country and being sick, I am finally starting my reviews of select travel insurance policies. This week I am comparing the policies currently being offered by online travel giants and (note the ".ca" part of the names -- this is specifically about the policies offered to Canadians). But first a few things to keep in mind...

Travel Medical Insurance is intended for emergency care, not routine or planned care. Do not expect it to help you get care at your favourite US cancer centre. It doesn't work like that. They will shoot that claim down faster then a rabid squirrel.

If your doctor tells you not to travel, then don't.

If you have symptoms before you travel, don't wait to see a doctor. Being in denial about your situation is not an insurable condition.

In general, medical coverage begins on the departure date and cancellation insurance coverage begins on the date of purchase (of the insurance). The pre-existing condition stability period is determined according to the coverage start date for each of these.

For the purpose of this review, I am assuming the purchaser is under 65, has provincial health coverage, has or has had cancer, and considers their condition to be stable. This review will help you to determine if your condition is stable enough and has been been stable enough for the required period of time to be covered by the insurer. It is up to you to decide if the policy covers all of your needs (for example, missed cruise ship disembarkation, additional pet boarding expenses, luggage delay or loss, etc.).

If you haven't read my previous post on travel insurance, Have Cancer Will Travel, then please do. And now lets begin!