BobC
Oct 17, 2010, 6:08 AM
Post #12 of 17
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Re: [Moisheh] Medical insurance for Canadian seniors 3 month stay at Lakeside
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Moisheh's points are all well taken. The real test of an insurance company is how they handle claims.
Fortunately, I never had to test Travel+Med service on claims. I will say, though, that their customre service at the point of sale was excellent. But almost everyone has had at least one experience with the great salesman whose company doesn't follow through on his promises!
T+M do have a claims office in Florida (which may or may not be operated by a third party), which suggests that they at least do a good business in Quebec. One hopes that if their service is poor, they wouldn't be in business too long.Word does get around.
They also included the Skymed air evacuation program as part of the policy. They also will return your vehicle and pets to Canada. We went down with two dogs, so the latter was attractive to us.
We did approach ManuLife last year, but their medical restrictions were such that, because me blood pressure meds had changed slightly within the previous six months, their premiums were quite high. Travel+Med only required that they had not changed within the previous three months.My wife had had an incident with chest pain and they had their doctor speak with her about it and he agreed that it had been a false alarm, so no problem there.
We also checked with RBC Insurance, but their rates were about double Travel+Med and 50% over Manulife's.
So much depends on medical history. A company that is good for one may not be good for another.
It is definitely a tough job sorting it out. A good insurance broker may be able to help.We worked with one and he was helpful, but in the end found T+M ourselves.
Again, good luck!
Bob
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