Out of country travel Insurance - Update

Ok, Thank you!

I believe it is called Quest and I think the company is Tugo. Let me know if this isn't correct and I will search my notes
.

portliz wrote:
I received my medical test results and nothing abnormal and no treatment required. When I spoke with my group policy insurer they informed me that because there was nothing found in the tests and no treatment suggested that I should count 90 days stable from the date of the doctors appointment when the tests were ordered. We will wait for the 90 days before we travel. This means no extra insurance for "unstable" conditions will be required.

As mentioned in my previous post I did find travel insurance that would cover "unstable" conditions up to $150,000. I would have considered purchasing if needed.

Would you mind sharing the name of the company
which will cover unstable conditions?

spud1957 wrote:

almcc wrote:

garyhaupt wrote:
Pertliz...many thanks for the up-date.

I am not one who spends much time looking under rocks for bad stuff, however, I have learned the hard way, that having something in an E mail is the one way to cover one's nether regions. If I were being asked..which I am not...I would have that 90 days clearance thing in some form of a written/E mail content. They have made notes on your file and although your outfit sounds good...when it cames to big money?

Tt doesn't need to be a big deal...just a note from you, outling the converstation as you understood it and asking for a confirmation of same.





Have a wonderful winter south


Gary Haupt

Gary, that is an excellent suggestion!

I am fortunate to have out-of-country insurance from the company I retired from. Each winter before we leave I send the carrier (Sun Life) a secure E-mail asking about continuing coverage and I get a detailed E-mail response. Part of this is to confirm that the insurance is still in force as companies can change benefits over time, it pays to check!

You are just confirming the policy is still in effect? That's great to do but you should get details regarding the policy and 90 day pre-existing condition exclusions.

Both my wife and have out of country coverage from our employers. Its great we don't have to purchase coverage BUT they have 90 day pre-existing exclusions like all the rest.

This is a direct quote from the Sunlife travel insurance:

"Emergency travel medical does not cover any pre-existing conditions. A pre-existing condition is a medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage) during the 9-month period before you leave your province"


Get the details of your policy.

I didn't post the details I got back.

You should also be aware that different companies provide different coverage through Sun Life, in my case the coverage includes all pre-existing conditions and other extras. It depends on how generous your employer is to you through Sun Life!

Also, If you are enrolled to my Sun Life on-line you have access and can print out the exact coverage that they provide to you, it is company specific. Did you get a Sun Life access card through your employer?

almcc wrote:

garyhaupt wrote:
Pertliz...many thanks for the up-date.

I am not one who spends much time looking under rocks for bad stuff, however, I have learned the hard way, that having something in an E mail is the one way to cover one's nether regions. If I were being asked..which I am not...I would have that 90 days clearance thing in some form of a written/E mail content. They have made notes on your file and although your outfit sounds good...when it cames to big money?

Tt doesn't need to be a big deal...just a note from you, outling the converstation as you understood it and asking for a confirmation of same.





Have a wonderful winter south


Gary Haupt

Gary, that is an excellent suggestion!

I am fortunate to have out-of-country insurance from the company I retired from. Each winter before we leave I send the carrier (Sun Life) a secure E-mail asking about continuing coverage and I get a detailed E-mail response. Part of this is to confirm that the insurance is still in force as companies can change benefits over time, it pays to check!

You are just confirming the policy is still in effect? That's great to do but you should get details regarding the policy and 90 day pre-existing condition exclusions.

Both my wife and have out of country coverage from our employers. Its great we don't have to purchase coverage BUT they have 90 day pre-existing exclusions like all the rest.

This is a direct quote from the Sunlife travel insurance:

"Emergency travel medical does not cover any pre-existing conditions. A pre-existing condition is a medical condition where symptoms have appeared or required medical attention, hospitalization or treatment (this includes changes in medication or dosage) during the 9-month period before you leave your province"


Get the details of your policy.

Thanks Gary. Great idea.

garyhaupt wrote:
Pertliz...many thanks for the up-date.

I am not one who spends much time looking under rocks for bad stuff, however, I have learned the hard way, that having something in an E mail is the one way to cover one's nether regions. If I were being asked..which I am not...I would have that 90 days clearance thing in some form of a written/E mail content. They have made notes on your file and although your outfit sounds good...when it cames to big money?

Tt doesn't need to be a big deal...just a note from you, outling the converstation as you understood it and asking for a confirmation of same.


Have a wonderful winter south


Gary Haupt

Gary, that is an excellent suggestion!

I am fortunate to have out-of-country insurance from the company I retired from. Each winter before we leave I send the carrier (Sun Life) a secure E-mail asking about continuing coverage and I get a detailed E-mail response. Part of this is to confirm that the insurance is still in force as companies can change benefits over time, it pays to check!

Pertliz...many thanks for the up-date.

I am not one who spends much time looking under rocks for bad stuff, however, I have learned the hard way, that having something in an E mail is the one way to cover one's nether regions. If I were being asked..which I am not...I would have that 90 days clearance thing in some form of a written/E mail content. They have made notes on your file and although your outfit sounds good...when it cames to big money?

Tt doesn't need to be a big deal...just a note from you, outling the converstation as you understood it and asking for a confirmation of same.


Have a wonderful winter south


Gary Haupt

I am retired and covered under a group insurance plan with Johnson.

Hi,

So who did you insure with?