 |
09-20-2014, 12:14 AM
|
#1
|
Member
Join Date: May 2014
Location: Calgary Alberta Canada
Posts: 41
|
Health insurance
Does anyone have a reasonable source of health insurance that they can recommend for Canadians travelling in the US? My wife and I would like to travel south but being in our 70's with some minor health problems most insurers do not even want to talk to us.
__________________
1992 28.5 ft. Oakland Class C Ford E350 460 Eng.
|
|
|
 |
Join the #1 RV Forum Today - It's Totally Free!
iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!
You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!
|
09-20-2014, 03:18 AM
|
#2
|
Senior Member
Join Date: Nov 2013
Location: FullTime, North America
Posts: 555
|
Doesn't your Canadian health care cover you down here? My English and Austrian relatives are covered by their respective countries health care when they travel.
__________________
Steven and Stephanie
2007 Winnebago Adventurer 38J
2008 Hyundai Elantra
|
|
|
09-20-2014, 08:42 AM
|
#3
|
Member
Join Date: Sep 2013
Location: Ontario
Posts: 51
|
My wife and I use Medipac through the Snowbirds Association. Canadian Legion are big supporters of Medipac.
|
|
|
09-20-2014, 05:42 PM
|
#4
|
Junior Member
Join Date: Sep 2011
Posts: 17
|
We just purchased our policy through Sanderson Insce.
Saved about $250 over Medipac.
We are in are early 60 years of age with minor health issues.
Here is there info
Sanderson Insce
33 Cambridge St S, Lindsay, ON K9V 3B7
(705) 324-5433
|
|
|
09-20-2014, 10:15 PM
|
#5
|
Member
Join Date: May 2014
Location: Calgary Alberta Canada
Posts: 41
|
Quote:
Originally Posted by StevenNSteph
Doesn't your Canadian health care cover you down here? My English and Austrian relatives are covered by their respective countries health care when they travel.
|
Absolutely not our insurance ends when we cross the border. We are both in our 70's and if you can get coverage at all it is right out of reach price wise.
__________________
1992 28.5 ft. Oakland Class C Ford E350 460 Eng.
|
|
|
09-20-2014, 10:17 PM
|
#6
|
Member
Join Date: May 2014
Location: Calgary Alberta Canada
Posts: 41
|
Quote:
Originally Posted by terryflt
We just purchased our policy through Sanderson Insce.
Saved about $250 over Medipac.
We are in are early 60 years of age with minor health issues.
Here is there info
Sanderson Insce
33 Cambridge St S, Lindsay, ON K9V 3B7
(705) 324-5433
|
Thanks Terryflt
I will call them Monday and see what they have to say.
__________________
1992 28.5 ft. Oakland Class C Ford E350 460 Eng.
|
|
|
09-21-2014, 02:00 AM
|
#7
|
Senior Member
Join Date: Nov 2013
Location: FullTime, North America
Posts: 555
|
Quote:
Originally Posted by billdor
Absolutely not our insurance ends when we cross the border. We are both in our 70's and if you can get coverage at all it is right out of reach price wise.
|
Wow, didn't know that. What about if you were traveling in the UK or Australia, are you covered then?
__________________
Steven and Stephanie
2007 Winnebago Adventurer 38J
2008 Hyundai Elantra
|
|
|
09-21-2014, 04:54 AM
|
#8
|
Senior Member
Join Date: Apr 2012
Posts: 1,526
|
Not quite true re INSURANCE STOPPING AT THE BORDER. Some provincial health plans do provide EMERGENCY health insurance coverage (with qualifications) while the insured person is out of Canada. (It does not matter which country one is going to.) But in most cases (perhaps all) the coverage does not exceed the costs that the same service would cost in Canada. Some people have supplementary plans that provide extra coverage for a specified period of say 40 days, but then "Top Up" Plans are required if one wants to stay out of the country for longer periods. But most (perhaps all) Provincial/Territorial plans DO provide some coverage while out of the country but the amount of coverage is limited to that which would be charged at home and it would have to be an emergency. (No always, my daughter had surgery in NY, which was not an emergency and it was 100% paid for by OHIP (The Ontario Hospital Insurance Plan). Cost was ~$20K. This was prearranged through the Ontario health system.
Travelling without supplemental insurance, can be expensive. For example OHIP may reimburse say $1000 per day hospital care but some hospitals in the US might charge $10K a day. The patient would be responsible for the difference so to travel outside Canada without some supplementary health insurance coverage could get very expensive very quickly, so MOST people DON'T leave the country without extra coverage unless they have deep pockets. But there are limited out of country costs paid by Provincial Health Plans in some circumstances.
|
|
|
09-21-2014, 10:31 AM
|
#9
|
Member
Join Date: May 2014
Location: Calgary Alberta Canada
Posts: 41
|
Quote:
Originally Posted by StevenNSteph
Wow, didn't know that. What about if you were traveling in the UK or Australia, are you covered then?
|
I honestly don't know, I have had no reason to find out.
__________________
1992 28.5 ft. Oakland Class C Ford E350 460 Eng.
|
|
|
09-21-2014, 10:39 AM
|
#10
|
Member
Join Date: May 2014
Location: Calgary Alberta Canada
Posts: 41
|
Quote:
Originally Posted by Libero
Not quite true re INSURANCE STOPPING AT THE BORDER. Some provincial health plans do provide EMERGENCY health insurance coverage (with qualifications) while the insured person is out of Canada. (It does not matter which country one is going to.) But in most cases (perhaps all) the coverage does not exceed the costs that the same service would cost in Canada. Some people have supplementary plans that provide extra coverage for a specified period of say 40 days, but then "Top Up" Plans are required if one wants to stay out of the country for longer periods. But most (perhaps all) Provincial/Territorial plans DO provide some coverage while out of the country but the amount of coverage is limited to that which would be charged at home and it would have to be an emergency. (No always, my daughter had surgery in NY, which was not an emergency and it was 100% paid for by OHIP (The Ontario Hospital Insurance Plan). Cost was ~$20K. This was prearranged through the Ontario health system.
Travelling without supplemental insurance, can be expensive. For example OHIP may reimburse say $1000 per day hospital care but some hospitals in the US might charge $10K a day. The patient would be responsible for the difference so to travel outside Canada without some supplementary health insurance coverage could get very expensive very quickly, so MOST people DON'T leave the country without extra coverage unless they have deep pockets. But there are limited out of country costs paid by Provincial Health Plans in some circumstances.
|
Your right Libero
I guess I should have qualified that but as you have said unless you have very deep pockets you better have supplementary insurance.
By the way thanks to Norml I checked with Medi pac and they seem to be very reasonable at under $300.00 for 30 days
__________________
1992 28.5 ft. Oakland Class C Ford E350 460 Eng.
|
|
|
09-24-2014, 11:27 PM
|
#11
|
Senior Member
iRV2 No Limits Club
Join Date: Sep 2013
Location: casa grande ariz.
Posts: 121
|
had heart attachs in casa grande ariz 5days 3stints 248,ooo.oo$ had out of contry coverage my cost incl flight to fort mcmurray 0 dont leave home without it
|
|
|
12-14-2014, 10:46 AM
|
#12
|
Junior Member
Join Date: Jun 2011
Posts: 17
|
Quote:
Originally Posted by hartb1999
had heart attachs in casa grande ariz 5days 3stints 248,ooo.oo$ had out of contry coverage my cost incl flight to fort mcmurray 0 dont leave home without it
|
Can I ask what insurance company you had ? And did you have any prior heart problems ?
|
|
|
12-15-2014, 07:39 PM
|
#13
|
Senior Member
iRV2 No Limits Club
Join Date: Sep 2013
Location: casa grande ariz.
Posts: 121
|
blue cross out of country by company and no prior
|
|
|
 |
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Thread Tools |
Search this Thread |
|
|
Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Discussions |
|
|
|
|
|
|
|
|
|
|
|
|
|