Canadian Travel & Visitors Insurance,  Immigrants, Expatriate Insurance from

Ray Battiston,  Insurance Broker


                                                 

Ray Battiston is your best Broker choice in Canada for Travel Medical Insurance and Visitors Insurance.

Click our links to:  Canadian Travel Medical Insurance

Buy OnLine Page - Allianz Global Assistance,, Manulife, Travel Underwriters, RSA    Instant issue 24 hours a day/ 7 days a week for Visitors & Out of Canada Travel.

Visitors to Canada Insurance

Insurance for Canadians  or Immigrants waiting for Provincial Health Care

Canadian Expatriate, World Wide Expatriate

Canadian snowbird travel insurance

International Students insurance

Top up Plans, Single and Annual Multi Trip  Plans

Trip Cancellation, Interruption and Delay, Air Flight Accident, 24 hour Accident

Manulife Extended Health & Dental for Canadians Dental and Extended Health and other related insurance plans.     Rate your plan on line, Buy Online.

We  can also insure most stable  pre-existing medical insurance conditions, such as: heart bypass, heart attack,  heart stent, stroke, TIA, High Blood Pressure or Hypertension, Diabetes, Peripheral vascular disease, Lung and Asthma conditions, aneurysm as well as many other medical conditions. We have exceptionally low rates on very healthy clients and competitive premium rates on all others. Our contracted companies: LS Mutual Tour Med Travel Insurance, Manulife Financial Travel Insurance, RSA Medi Select Travel Insurance  and TIC Travel Insurance will review individually submitted high risk applications and may be able to provide coverage on pre existing conditions that other insurers can not insure. However some individual or combination health conditions may  simply be uninsurable at any price.

 

  • mailto:Ray@IceColdNorth.com   att: Ray Battiston or mailto:Kipp@IceColdNorth.com
  • Ray Battiston, BA, CAIB, CIP,      Canadian Travel Medical Insurance Broker
    Box 510,  7 Red Haven Drive, St Davids On L0S 1P0 Canada
    1-800-526-7420 Toll Free North America Business: 1 905-262-6575

     or Voice: 1-800-526-7420       < FAX 1-866-614-8753>  our incoming faxes convert to pdfs.

    Office hours: Monday -Friday, 9 AM-5PM EST, closed holidays  (voice messages and e mail checked after hours)


    News Flash

    How important is Travel Insurance?  Important enough that you should never take it for granted.  Here is just one claims example from Travel Underwriters, one of our favourite suppliers, gave us recently.:

    38-Year-Old Kevin: Sinusitis Infection Led to Surgery and 4-day Hospital Stay

    38-year-old Kevin was travelling through the USA, when he began suffering from severe facial pain. He went to a hospital in Florida, where he was admitted and diagnosed with sinusitis. After 24-hours of IV antibiotics, the infection did not improve and Kevin required surgery. While operating, the surgeon discovered the root of the infection was a tooth, which he proceeded to remove. Kevin was admitted for four days, then discharged to complete his travels.

    Hospital fees.............$55,944.90

    Physician fees..............$7,318.75

    Radiology fees...............$258.73

    Prescription fees............. $63.42

    Provincial medical plan contribution.........- $2,196.57

    Amount covered by travel insurance...$61,389.23

    Here is a rather horrendous claim (cost wise) :

    49 year old Woman, we'll call her "Anna": Compound Elbow Fracture - Broker Elbow led to emergency surgery:

    49 year old Anna was visiting family in California when she tripped and fell, severely injuring her arm.  An ambulance was called and she was take to Emergency, she suffered a compound elbow fracture, as well as lacerations to her head an legs. Anna's elbow required immediate surgery. After three days, she was able to leave the hospital to stay with family until her scheduled return to  Canada.:

    Hospital Fees..............   $149,845.02  (yes that's correct!)

    Doctor Fees................ $14,832.88

    Radiology Fees............. $1,7911.11

    Ambulance Fees............$1,1699.27

    Prescription Costs .........$41.06

    Provincial Medical.........-$1659.45

    Amount  Paid by TU Travel Insurance:  $166,557.89

    Time to call your Insurance Professional!  Before your trip! 

    By the way I was in Sobeys recently and they were selling trip insurance via Gift Card in their Grocery Store.  I'm not sure about you, but when

    I shop at the grocery store, I am not going to buy my Travel Insurance there!

     

    Allianz Global Assistance Manulife Blue Cross, Travel Underwriters,   are now  on line for instant insurance purchases on Out of Canada and Visitors to Canada Medical Insurance,  policy detail and rates. But call us or e mail us first! For Blue Cross in French please click on Blue Cross - en Francais

    Trip Cancellation, Interruption and Delay:  Most of our companies have  dropped the 'buy it immediately' rule". If you booked your trip last week, or even a month ago, we can still sell you trip cancellation. 

    Early Bird  Sales and Birthday Special Rates: Buy your fall or winter trip insurance early, and beat the premium increases.  We also expect seasonal increases from almost  every Insurer, including the competition. Rates normally go up in the summer and fall, not down!  Departure and return dates can be adjusted prior to departure.   We have a number of companies which rate  age at application date, NOT DEPARTURE, which can save considerable premiums! We have a few companies willing to sell up to 12 months in advance of the trip.  Premiums are frequently sold in "age bands".  If you purchase your travel insurance before your next birthday  which would normally put you in a higher rate band,  you will save money!



    Disclaimer: Please refer to policies for complete details. It is recommended you speak with a qualified Insurance Broker prior to purchase. On line policy information is available for your  personal research.  We do not recommend you purchase a policy online without contacting us first.

      Copyright Infringement: Our web pages are copyrighted and include technical writing which is our intellectual property.. Consideration may be given for reproduction  by request from certain authors or journalists for their articles, provided we are given proper credit.


  • mailto:Ray@IceColdNorth.com     or contact Kipp Battiston at mailto:Kipp@IceColdNorth.com
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