Originally Posted by emuller1
ditto on CSA or CAA, whatever you get DO NOT shop for price look at what is offered and the fine print. Secondly Never lie about your health.
Echo the above regarding "never lie about your health". If they can insurance companies will always find a way not to pay out!!! Also make sure you have a very high amount of coverage USA heart condition or major problems can cost colossal amounts!
We used to use Travelguard up until 2 years ago, when they moved age goal posts IIRC, down from 60 to 55, and hubby now 60 became very expensive with them. Went back to Blue Cross whom we were with many years prior, til at that time they moved the goal posts on my diabetic meds (they've now moved it back again).
Insurance companies are always changing their criteria such as age bands, non-issue versus premium drugs, having higher deductibles the difference in rate and so on. We've found it pays to check at least every couple of years with four or five company quotes and compare apples to apples on what you might need: 30/60/90 day trip annual coverages; Top up costs extra (some companies are way higher than others!; how they would handle a claim/payout up front etc.
Also as a gentle reminder do read the fine print!!! Some state you are expected to contact them prior to going to a regular type hospital at a much higher rate than some of the smaller type emergency set ups. Of course when I picked up on that on our policy once, I told them if heart attack, major situation that would be the last of my concerns and they said in that situation it was alright, but non-life threatening they do expect you to go to lower cost services. Just saying FWIW read the small print on your policies prior not when there's no time in an emergency.
Something else we learnt "ask" the rate of the place for not going through insurance, paying cash etc. Friend of ours (Venice Fla) bit by a Recluse spider, was quoted $600, brought down to $80 when they paid cash. Just saying, think outside of the box sometimes to avoid claims that may make your insurance rates go up in the future or to keep lower rates by having a higher deductible.
Right now for us aged mid 50's and 60 on a 30 day annual plus when adding top ups, overall Blue Cross has come out the best all around package. Might change come April!