MEDICAL INSURANCE FAQ
Question 1. How much will
my Travel Medical insurance cost? And where can I buy it?
Your travel medical insurance
premium can be based on your age, health, length of stay, and
even destination. Some of our carriers charge lower
premium for non USA destination since the US is the
expensive in terms of claims expenses payments on Canadian Travel Medical
Some of our Insurers have flat rated
premiums to certain ages. Generally as you get older the daily
premium will increase, usually in units of 5 years. The
increase is due to increased morbidity costs
due to aging. (Older people
have more health claims)
If you are a Visitor to Canada,
the premium will also be based on age and will vary from
company to company. Our office was one of the first offices to Pre-existing conditions on most
conditions and ages. Call me for restrictions and
many sources of travel insurance: A Broker (like
Ray Battiston), sells more than one insuance companies'
plans. An Agent traditionally sells or represents
only one company, Banks and Trusts Companies, some
General Insurance Brokers, perhaps your own group
insurance at work, associations, Credit Card Companies, to
name a few. Then there is online purchases- more about this
Brokers including our office also have Business to Consumer
sites (B2C). This type of purchase can work very well if
you also speak to the Broker on your requirements prior to
purchase. Otherwise you may simply be filling out the wrong
form or buying the wrong insurance if you try to "buy direct".
So why have these sites? One obvious advantage is that
you can buy insurance anytime, including off hours, like 11:30
PM on a Sunday night. You can speak to one of our
Brokers during business hours, get the information you need
from us, be directed to the correct web page, and complete
your own application and policy confirmation when you are
ready to buy. And we can also refer you to one of our partner
insurer companies, who has longer office hours, and will act
on our behalf to answer your insurance questions and/or
complete your insurance purchase.
the right specialist Broker is essential. You assume when you phone
a travel insurance office you will be speaking to a
professional Insurance Broker. Actually the person
you speak to may be an Agent or a Broker. A true Agent
represents only one Insurance Company. They might even be
newly licensed or a career Insurance Broker like myself.
Some insurance offices are now operating more like "call centers".
Don't be afraid to ask your Broker what their insurance
experience is and if they sell Travel Insurance as a specialty
or side business.
My office specializes in all types of travel medical
insurance. We don't sell warranties. We don't sell
airline tickets. We don't sell vacations. We just sell insurance
and most of it is travel insurance including Visitors to
Canada, Out of Canada and Out of Province, Expatriate,
Student, Trip Cancellation, Interruption and Delay, Air Flight
Accident, 24 Hour Accident and Baggage Insurance.
Question 2. Can I
order brochures or actual policy wordings (for free) from you
before I buy?
I have almost all my policies on my web
pages with policy wording details, brochures, rate sheets, and
applications. Pages have to be edited regularly to show the
current information on file I can also mail you original hard copies
of a particular company or program.
Question 3. How
do I pay safely without using the Internet.
You can fax me your credit card
number and expiry or just phone me . Or
you can mail your payment to my office via snail mail. The
pages on my site which have secure payments will be indicated
as such. You can also Google "ray battiston insurance" .
You won't find anything but good praise on our office. Matter
of fact you can "google" any Brokers name and find more
information on them.
Question 4. After
my purchase, do you send me a policy?
We will confirm coverage is in place
via e mail, then mail your original policy out.
For last minute purchases I can
verbally bind your coverage and confirm your policy number and
Claims Hotline number, or fax or email you this information. A
"hard copy" in your hand is always appreciated. If you are in
a rush and have to leave immediately, I can always arrange to
e mail the hard copy of the policy confirmation to your hotel or
motel, while you are on the road, or at your travel
destination. Just make sure you arrange the insurance with me
BEFORE you cross the border! Once you have purchased insurance
from me, you will feel very comfortable about your next
What about those Pre-existing conditions? Can I get coverage
on conditions I have now?
Pre-existing conditions are
defined differently by different insurance companies, since
there is no standard Travel Medical Insurance policy used by
Depending more on the number of "stable" days prior to travel,
you may very well be able to get coverage on even life
threatening pre-existing conditions, like Heart Bypass
surgery, heart attacks, strokes, etc. Generally, companies
will exclude pre-existing conditions that have a short life
prognosis, like terminal cancer. Or if you are in such a state
of health that a prudent person would assume medical
assistance would probably be required on your trip. Or if you
are already sick, or traveling against Doctor's orders.
I do have access to some companies that
will cover most pre-ex conditions with a short or almost zero
stability period on short trips. I have other companies which
require 90 days of stability, 180 days or even 12 months.
However there are some cases which simply can not be
insured. Recently we had two of our insurers offer reduced
stability riders (extra cost) on three of their plans which
I have a whole busload of kids crossing into the US from
Canada for just one day. Can I get coverage?
Yes! Just call me for
Question 7. Do
you just insure groups, Business, seniors? Schools? What else
do you sell?
I currently represent more than 10
Travel Medical Insurance Companies and Programs. I sell all
ages, and all types of groups. Both Out of Canada Travel
Medical Insurance Plans, and Visitors to Canada Medical Plans,
Ex-Patriate Medical Insurance for Canadians who no longer
qualify for Canadian government Health Insurance, and medical
insurance for returning Canadians and immigrants who are
awaiting government health insurance. I can sell Trip
Cancellation, Interruption and Delay on a "stand alone" basis.
As an Insurance Broker, I represent the
various Insurance Companies I hold contracts with.
Depending on their administrative requirements, I either issue
the policy from my office, with a copy to the Company, or
submit an application to the Insurance Company and they issue
the policy. Credit card payments are always debited by
the Insurance Company or the MGA (Managing General Agent).
Most premiums paid by cheque are paid directly to me, held "In
Trust", as part of my Agent/Broker Licensing requirement, and
submitted to the Insurance Companies on demand. As a
legally licensed and insured Insurance Broker I also hold
Errors and Omissions Insurance and Fraudulent Acts
coverage. I am required to complete mandatory training
or refresher courses each year. Claims are paid directly
by the Insurance Company or Administrator of
I have extremely competitive rates due
to a large selection of companies and programs. In fact, even
some of my largest competitors only offer one insurance plan,
or a very limited choice of companies. Visit my home page for
more details! I sell Life, Accident, Flight Accident and
Extended Health Insurance, and I have been a Licensed Life
Insurance Agent since 1973. I was also one of the first
Insurance Brokers to advertise on the web in 1996, and one of
the first to post full policy information on the web. I can call myself a Broker as I
represent various Life and Health Insurance companies-including
Industrial Alliance Life,
A word about Pregnancy
First, congratulations! Second,
the bad news: Pregnancy is normally an exclusion in
individual travel medical insurance plans, or at the very
least has severe limitations in coverage. It is not
usual for the insurer to exclude Pregnancy, child birth,
etc, within the last 8 weeks of the expected delivery date.
Possibly worse, the new born would not be covered, since it
is not a named person in the policy. So a premature
baby is not covered for all the potential catastrophic
medical care it might require in hospital.
At this time our office is not
aware of any insurer in Canada offering carte blanche
cover on pregnancy.
Do not hesitate to
call me directly or E MAIL ANY QUESTIONS YOU WOULD LIKE
PERSONALLY ANSWERED ray@IceColdNorth.com