Medical insurance Mex, no questionnaries
Following up recent thread.
TIS was mentioned as one of "good ones", as opposed to Manulife with nasty questionnaires and a history of non-paying. So I took a close look and compared the cheapest plan by TIS called A La Carte and a plan by Square Mouth.
SM is not an insurer, just a search engine. I dialed in 56 and 66 years in both links, 2 months trip, destination Mex with US included for SM (and no destination in TIS as it doesn't ask about it), 100,000 coverage.
TIS wants you to fill a questionnaire, no matter what age. 5 or 6 pages. If you are healthy but didn't have a complete physical in the last 2 years, they charge extra. If you are healthy but had any testing for heart condition in the last 5 years (I suspect ECG or stress testing on treadmill are such tests) - they consider it a "treatment" and charge extra. God forbid having any real illnesses, this will cost a lot more.
In SM with filters "coverage from 100,000" and "price from low to high" the top one came Trawick International, a primary plan. Cost slightly higher than TIS with no illnesses - and I don't see any questionnaire. Try entering any illness or testing for heart condition in TIS and it becomes a lot more expensive. Trawick cost only depends on trip duration, deductible and age (to change deductible, click on Policy Details -> Medical -> Options).
Again, Trawick is a primary plan which means they will pick the bill first and the province will pay the rest, OR - correct me if I'm wrong - if there is no "rest", the province will reimburse the deductible as the only expense that you had to pay. So you can choose a high deductible, the province will pay anyway.
TIS is a secondary plan, i.e. the province pick the bill first, and the rest is covered by TIS if there is any "rest", but you will always pay the deductible.
No affiliation with either provider, just nice to see a plan without questionnaire. Again, I compared "any country" by TIS against "destination Mex, including USA" by SM/Trawick.
TIS was mentioned as one of "good ones", as opposed to Manulife with nasty questionnaires and a history of non-paying. So I took a close look and compared the cheapest plan by TIS called A La Carte and a plan by Square Mouth.
SM is not an insurer, just a search engine. I dialed in 56 and 66 years in both links, 2 months trip, destination Mex with US included for SM (and no destination in TIS as it doesn't ask about it), 100,000 coverage.
TIS wants you to fill a questionnaire, no matter what age. 5 or 6 pages. If you are healthy but didn't have a complete physical in the last 2 years, they charge extra. If you are healthy but had any testing for heart condition in the last 5 years (I suspect ECG or stress testing on treadmill are such tests) - they consider it a "treatment" and charge extra. God forbid having any real illnesses, this will cost a lot more.
In SM with filters "coverage from 100,000" and "price from low to high" the top one came Trawick International, a primary plan. Cost slightly higher than TIS with no illnesses - and I don't see any questionnaire. Try entering any illness or testing for heart condition in TIS and it becomes a lot more expensive. Trawick cost only depends on trip duration, deductible and age (to change deductible, click on Policy Details -> Medical -> Options).
Again, Trawick is a primary plan which means they will pick the bill first and the province will pay the rest, OR - correct me if I'm wrong - if there is no "rest", the province will reimburse the deductible as the only expense that you had to pay. So you can choose a high deductible, the province will pay anyway.
TIS is a secondary plan, i.e. the province pick the bill first, and the rest is covered by TIS if there is any "rest", but you will always pay the deductible.
No affiliation with either provider, just nice to see a plan without questionnaire. Again, I compared "any country" by TIS against "destination Mex, including USA" by SM/Trawick.
