Comments on: What is travel insurance? A detailed guide

By: Barry Choi

Barry Choi — Sun, 07 May 2023 23:12:24 +0000

In reply to Nick. Nick, You've honestly done more research than me. Clearly your options are limited.

By: Nick

Nick — Sun, 07 May 2023 22:49:39 +0000

Very few annual travel insurance for BC residents without medical for purchase include flight delays protection?

I’m looking to buy an annual travel insurance without medical insurance, but with a flight delays and missed connections (FDMC) coverage. Emergency medical will be covered by HSBC WE, so looking for a policy without it.

I checked with many companies, only bcaa meets these criteria. Any other companies I should try other than listed below?

Tugo and Amex didn’t seem to include FDMC. Tugo doesn’t even offer any coverage for bags.

Manulife/Scotia/Costco, HSBC, RBC don’t sell annual plans without medical.

Johnson does, but I need to be an affiliate with an organization, which I’m not.

I forgot what it was missing but Goose didn’t offer what I’m looking for.

By: Deborah S.

Deborah S. — Fri, 20 Aug 2021 21:29:38 +0000

It pays to compare quotes for travel medical insurance. Lots of folks just go with the coverage offered by their bank or the auto club. I’ve consistently found the rates at costco.ca to be the best for us (healthy seniors, long trips). The coverage is underwritten by Manulife but the premiums are less expensive than contacting Manulife directly. Plus Executive members receive an additional 5% discount! I haven’t had to make a claim yet, so can’t speak to claims handling.

By: Barry Choi

Barry Choi — Tue, 27 Feb 2018 16:28:13 +0000

In reply to Dennis Spackman. Dennis, Yes! you always need to read the policy details. Insurance companies will do anything to not pay up.

By: Dennis Spackman

Dennis Spackman — Tue, 27 Feb 2018 15:24:55 +0000

As Mentioned by Barry, make sure that your travel insurance includes the activities and other elements of your travel. For example I scuba dive and some policies do not cover diving or a number of other activities that they consider “Risky Activities”.
Dennis

By: Barry Choi

Barry Choi — Thu, 17 Nov 2016 16:46:37 +0000

In reply to athletickatKC.

athletickatKC,

Yes, I knew about the pregnancy thing. Not sure why I never thought about any other pre-existing condition.

Note that even if you travel within Canada, you may still need insurance. In many situations, your provincial health care only covers you up to a certain amount within your home province. So if you live in Ontario and a procedure costs $1K, but you’re stuck in Manitoba and it costs $2K – you would have to cover the difference.

By: athletickatKC

athletickatKC — Thu, 17 Nov 2016 16:42:35 +0000

In reply to Barry Choi. No, it definitely applies to anyone. For example, in my case, since I already have bad eyesight and hearing loss, they will not cover any claims relating to that (unless I had total blindness as a result of accident). Another thing to note, they will almost certainly not cover any pregnancy related claims if you have a baby early since it was a pre-existing condition. I'll be keeping my travels to Canada only if I get pregnant! LOL

By: Barry Choi

Barry Choi — Mon, 14 Nov 2016 06:26:26 +0000

In reply to Investor Tuition. Hey Adrian, Very good point. I was under the impression that pre-existing conditions only applied to those who were above the age of 60 but it makes sense that it applies to anyone of any age.

By: Investor Tuition

Investor Tuition — Mon, 14 Nov 2016 06:23:37 +0000

Hi Barry, one other very important aspect of travel insurance is to make sure the policy will cover pre -existing conditions. Insurance companies don’t automatically cover you should you suffer a medical condition whilst overseas that was pre- existing. You will need to notify the insurance company of what pre existing conditions are to be covered and they will subject these to their underwriting conditions, which also means a bigger premium.

I am writing this from Australia but I am almost certain that all insurers operate the same, so best advice if you have any medical conditions is to contact your insurer and ask them what is and isn’t covered.

I have enjoyed reading your posts

Regards

Adrian