Canadian Travel
Medical Insurance, Visitor to Canada, Immigrants & Expatriates from Ray
Battiston
CANADIAN RESIDENTS
NEED OUT OF CANADA & OUT OF PROVINCE TRAVEL MEDICAL INSURANCE
Canadian Travel Medical Insurance
can protect you from a financial nightmare. Our clients
have
suffered accidents or illnesses on the very first day of their trip, the very
last day of their trip and everywhere in between. Some
losses are small enough to be paid out of pocket. Others have been in the hundreds of thousands
of dollars. No one can afford a catastrophic medical
insurance loss. And that is why you buy insurance!
We sell Multi Trip annual, Single trip and Top up Travel Medical
Insurance plans.
Canadian should also purchase Out of Province
travel Insurance. For instance, air ambulance for skiers can
cost from $25,000 or $30,000 in Canada! Plus there are many
more 'out of pocket' expenses that Provincial Insurance
Plans exclude in other Provinces. We have very inexpensive
travel insurance plans designed for out of Province travel.
The USA has the highest
medical costs. Some of our companies offer lower
insurance premiums for travel to Mexico, South America,
European and Asian countries. The bottom line is:
Buy travel medical insurance before you leave your home
Province!
"Travel Insurance"
has many options: Travel Medical
( also known as Excess Hospital Medical Insurance),
Visitors Insurance,
Trip Cancellation, Interruption and Delay, or Trip
Interruption only, Air Flight Accident, 24 hour Accidental
Death & Dismemberment, Baggage Insurance.
Call Ray or Kipp today to review your
insurance requirements.
CURRENT COMPANIES REPRESENTED IN MY
OFFICE & LINKS TO RATES, POLICY WORDING, AND APPLICATIONS
DESTINATION TRAVEL HEALTH PLANS
(Co Operators Life Insurance)
ETFS
MEDI SELECT (Royal and Sun Alliance)
MEDICARE INTERNATIONAL (Manulife
Financial)
21ST CENTURY TRAVEL
(Manulife Insurance)
TIC Travel Insurance Coordinators Ltd. (Co-operators Life)
Manulife Financial Travel Insurance
Travel Underwriters Quest Travel Insurance (Lloyds & Industrial
Alliance Pacific Insurance)
TRAVEL
UNDERWRITERS FREEDOM
L S Mutual- Tour+Med
Blue Cross Travel Insurance
PRE-EXISTING CONDITIONS
A
Pre-Existing Condition is defined differently by each
Insurance Company, but can be a current or past medical
condition that required consultation, prescription drugs,
hospitalization or treatment. It could be an ongoing health
condition like Angina, or something that might have occurred
only once, like a broken leg. It could even be something you
have now, but not aware of it!
Pre-Ex conditions
normally can be covered; however there is usually a STABILITY
PERIOD, which might be 90, 180, 365 days, even life long,
which can effect coverage. If there is a change during this
stability period immediately prior to your departure, your
insurance company may deny coverage. You must carefully
explain your medical condition and any changes to your Broker,
Agent or Insurance Company to ensure your policy is right for
you!
I
represent companies that medically underwrite certain
pre-existing conditions and may be able to issue a policy that
guarantees payment on those medical conditions, so you know
even before you travel that your condition will be covered. My
office sells a very wide selection of Canadian, British, and
American Insurance Companies.
Some pre existing
conditions can not be covered for any amount of premium.
PREMIUM RATES-LESS
IMPORTANT THAN COVERAGE!
Rates can vary by age,
single, family, or group size, health, and number of days or months of
travel. Sometimes
even the destination will effect the premium if it is a non
USA destination. Since I am contracted with ten or
more different companies, I can normally "fit" you to the company
which is best suited for your own travel plans. Best to
call or email me for more details! And next year call early
for the Early Bird deals. Call before your birthday to
check on our Birthday special rates. Many companies allow an
age discount up to six months in advance of the trip if you
buy prior to your birthday which would have normally put you
into a higher rate band.
The Three Biggest Mistakes in Buying Travel Insurance that
can result in a claim denial or even your whole policy
coveage voided!
1. Eligibility - Most companies require
you to be eligible to purchase the insurance plan. Read the
eligibility questions on the application very, very carefully
and ask questions if you are not sure, you may wish to
show the application to your Doctor. If you are not
eligible to purchase the plan, your policy can be voided
when a claim is submitted.
2. Rating Class- If the Insurer offers
a range of rating classes, make sure you are in the correct rate class. If not, your policy can be voided.
Don't assume, check with your Doctor if you are not sure of the
answer.
3. Stability Requirements. There is
usually a required number of days or months, such as 90, 180, or
365 days that your pre existing conditions or health has
remained the same without changes in medication, treatment or
hospitalization, etc. If you have had a recent change within the
stability period requirement, your claim can be denied for that condition.
Disclaimer: The above information is a brief description
only. Please refer to your actual policy wording for
complete details. You should contact one of our qualified
Brokers prior to purchasing a policy.
Call or
Email
raybattiston@on.aibn.com
for a custom quote on your Canadian travel medical insurance.
Single Trip or annual Multi Trip Plans are available. If you
live by the border you definitely need a multi trip annual
plan!Ray Battiston, BA, CAIB,
CIP - Canadian Travel Medical Insurance Broker
Box 510, St Davids Ontario L0S 1P0 Canada
1-800-526-7420 Toll
Free North America
Business: 1 -905-262-6575
FAX
1-866-6148753
raybattiston@on.aibn.com BUSINESS HOURS 9AM- 5 PM EST, Monday-Friday,
Closed holidays. |