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01-02-2016, 07:49 PM
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#1
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Member
Join Date: Jun 2014
Location: Midlothian, TX
Posts: 50
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Insurance in Canada
What are the best options for insurance while traveling in Canada if you are on Medicare?
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01-03-2016, 06:17 AM
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#2
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Senior Member
Join Date: Sep 2015
Location: wandering
Posts: 207
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There should be a variety of options for travel insurance you can get for travel outside the USA.
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2018 Ford F-350 DRW pulling a 2023 LUXE 47FB TH
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01-03-2016, 12:27 PM
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#3
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Senior Member
Entegra Owners Club
Join Date: Dec 2013
Posts: 1,358
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Wouldn't Medicare cover you while you are traveling in Canada?
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01-03-2016, 12:38 PM
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#4
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Member
Join Date: Jun 2014
Location: Midlothian, TX
Posts: 50
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Medicare appears to only cover in a few cases (3 or listed) as I read it. Basically if its an emergency, and they get to decide what's an emergency, then it's only if you are now too close to a US Hospital.
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01-03-2016, 12:45 PM
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#5
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Registered User
Join Date: Feb 2012
Location: Troy Mo
Posts: 1,951
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Quote:
Originally Posted by MoHoGo
Wouldn't Medicare cover you while you are traveling in Canada?
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Rarely will Medicare cover you outside the U.S. There are a couple of exceptions, like if you're traveling through Canada, without a lengthy delay, to AK. Noel
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01-03-2016, 12:50 PM
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#6
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Senior Member
Join Date: Apr 2004
Posts: 3,773
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For our Canadian trips, we have purchased short term medical insurance from AAA. They have all sorts of policies available - like for an American working on an oil well rig in the north sea.
Quote:
Originally Posted by Scr392
Medicare appears to only cover in a few cases (3 or listed) as I read it. Basically if its an emergency, and they get to decide what's an emergency, then it's only if you are now too close to a US Hospital.
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__________________
George Schweikle Lexington, KY
2005 Safari (Monaco)Trek 28RB2, Workhorse W20, 8.1, Allison 1000 5 spd, UltraPower engine & tranny, Track bars & sway bars, KONI FSD, FMCA 190830, Safari Int'l. chapter. 1999 Safari Trek 2830, 1995 Safari Trek 2430, 1983 Winnebago Chieftain, 1976 Midas Mini
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01-03-2016, 02:13 PM
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#7
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Senior Member
Entegra Owners Club
Join Date: Apr 2007
Location: SW FL
Posts: 31,569
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That would be a call I would make to my gap insurance company. They would be the ones to tell you how your policy coverage works. They might have additional coverage for Canada.
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Chuck in SW FL
Digital 2021 Cornerstone "B"
A "Digital" 2019 Cornerstone "B" Traded
A "Classic" 2014 Anthem 42 RBQ---Sold
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01-03-2016, 02:44 PM
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#8
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Senior Member
Join Date: Jun 2011
Location: FL
Posts: 11,385
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Call Humana. I just became eligible for Medicare and Humana has a policy that will cover you while traveling.
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Certified Senior Electronic Technician, Telecommunications Engineer, Telecommunications repair Service Center Owner, Original owner HR 2008
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01-03-2016, 06:27 PM
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#9
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Senior Member
Join Date: Apr 2004
Posts: 3,773
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You may already know this, and I believe it to be correct: Medicare is your primary health insurance, which is essentially not in effect when out of the country. Your Humana policy is a medigap policy that pays after medicare covers the first 80%.
If Humana has policy that covers everything that medicare doesn't cover when you leave the country, I suspect this is quite expensive compared to their medigap domestic policy.
Quote:
Originally Posted by YC1
Call Humana. I just became eligible for Medicare and Humana has a policy that will cover you while traveling.
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__________________
George Schweikle Lexington, KY
2005 Safari (Monaco)Trek 28RB2, Workhorse W20, 8.1, Allison 1000 5 spd, UltraPower engine & tranny, Track bars & sway bars, KONI FSD, FMCA 190830, Safari Int'l. chapter. 1999 Safari Trek 2830, 1995 Safari Trek 2430, 1983 Winnebago Chieftain, 1976 Midas Mini
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01-03-2016, 06:37 PM
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#10
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Senior Member
Official iRV2 Sponsor
Join Date: May 2011
Posts: 8,305
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Plan F (and a few other) Medicare supplemental policies cover 80% of emergency medical costs incurred outside the US up to $50k. This is coverage even though Medicare itself usually doesn't pay for outside the US care except for several limited exceptions.
Here's what the Medicare.gov website says about the topic:
Medigap coverage outside the U.S.
Medigap Plans C, D, E, F, G, H, I, J, M, and N pay 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year. These Medigap policies cover foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn't otherwise cover the care.
Foreign travel emergency coverage with Medigap policies has a lifetime limit of $50,000.
Here's a link to where this came from: https://www.medicare.gov/supplement-...nd-travel.html
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Joel (AKA docj)--
RV Technology Specialist
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01-03-2016, 08:35 PM
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#11
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Senior Member
Join Date: Jun 2011
Location: FL
Posts: 11,385
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No, my Humana is not a medigap policy. It is a direct replacement for medicare. I pay only the part B. They have some out of country coverage and Medicare has some emergency out of country coverage.
As for cost. I pay only the Part B to Medicare. I get some dental and vision with my Humana plan. It also covers me through out the USA. Some plans do not.
Most of the companies will send a rep to your home to discuss all issues. It was an excellent meeting for me as I was just about to begin Medicare.
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Certified Senior Electronic Technician, Telecommunications Engineer, Telecommunications repair Service Center Owner, Original owner HR 2008
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01-07-2016, 05:42 AM
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#12
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Senior Member
Entegra Owners Club
Join Date: Oct 2015
Location: Kelowna BC Canada
Posts: 141
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Marry a Canadian
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Chuck and Bernice Robertson
2002 Mountain Aire 4371 LTD
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01-07-2016, 05:47 AM
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#13
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Senior Member
Entegra Owners Club
Join Date: Apr 2007
Location: SW FL
Posts: 31,569
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OP did you ever find the answer you were looking for? It might help other going to Canada.
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Chuck in SW FL
Digital 2021 Cornerstone "B"
A "Digital" 2019 Cornerstone "B" Traded
A "Classic" 2014 Anthem 42 RBQ---Sold
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01-07-2016, 07:20 AM
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#14
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Member
Join Date: Oct 2015
Location: up north, Wisconsin
Posts: 87
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On another insurance topic... I would get a proof of Canadian coverage for your insurance on your vehicles. A card that shows proof of US coverage won't cut it. A call to your agent gets it easily.
It is called: Canada NON-RESIDENT Inter-Province Motor Vehicle Liability Insurance Card
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