Out of Country Travel Insurance - Travel to US

I'm not sure if this helps you, but we purchase travel insurance through Square Mouth. It may be worth it to give them a call.

Thanks but that is a US provider and we are Canadians.

Type 'Kanetix' into your browser and check the various insurance providers. There's also 'Travel Insurance Made Easy' in Markham which I am using this year. I get various quotes every year before I make my decision. Here's a linklink

We've used this for several years. Has small coverage for unstable pre-existing conditions at extra premium. Don't know how responsive to claims. TuGo is a new brand name of Travel Underwriters.

TuGo

On edit added "unstable" in front of pre-existing.

Thanks everyone. My problem is the stability time for pre-existing conditions. Usually policies have a 90 look back. The CAT scan is considered treatment. So unstable in the 90 days. I have found 2 that offer a rider that covers "unstable" conditions up to $150,000 but I would have to qualify for the policy and then pay extra for the rider. I already have a policy that covers everything except this d.... CAT scan which is normal. TUGO is one I am looking at. Hopefully the broker will have a connection to an individual policy underwriter for just this situation.

An aside in my research on travel insurance. Did you know that if you have been drinking and it shows in a blood test that coverage may be denied? Check the exclusions carefully!!!!

Your broker is probably a good source - but also check any insurance company where you might qualify for group coverage - i.e. past employment (you or your wife), credit cards, travel organizations (i.e. Snowbirds, CAA, Good Sam), retirement organizations (i.e. CARP) - and also ask those folks who regularly travel south for the winter - there must be lots of others who have faced this same issue.


Jay

I'm fortunate to have out of country coverage that includes pre-existing conditions, it's part of my retirement benefits. It's provided by Sun Life, you may want to contact them.

I do have coverage for pre-existing conditions but because of the CAT scan I am now UNSTABLE regardless of the results.

Any testing or investigation is considered TREATMENT.

portliz wrote:
Did you know that if you have been drinking and it shows in a blood test that coverage may be denied? Check the exclusions carefully!!!!

Drinking before you have a blood test.
Why would you????

Ozlander wrote:

portliz wrote:
Did you know that if you have been drinking and it shows in a blood test that coverage may be denied? Check the exclusions carefully!!!!

Drinking before you have a blood test.
Why would you????

Actually, if you have been drinking and you (say) fall and break something, if a blood test is taken and it shows the presence of alcohol it's grounds for the out of country insurance folks to deny your claim. As Canadians we are still covered by our provincial health plans but the higher health care care costs in the US means we are on the hook for the difference.