Not only have insurance costs increased many of the policies are restrictive. 2 years for pre existing conditions is one example. Most insurance companies use a 3rd party company to handle all the claims. These outfits sometimes border on being fraudulent or dishonest. They hire minimum wage new Canadians to man the phones with no training. These persons sit in front of a computer and simply enter your info. Then they read you a bunch of nonsense that gives them a CYA. Some never call you back. They "lose" papers. Claim they never received your medical claim. At one time the insurance companies had an RN on staff to give you advice on treatement options. These "claims processors" probably get a bonus if they find a way to refuse your claim, Shameful !
Moisheh