Just wondering what others use for there medical insurance when heading south. I recently retired and my benefit package switched to a different carrier. I now have a 180 day stability period instead of 90 day. With me being a diabetic on oral meds I don't think a 180 day is going to work. Any suggestions from others . It's become mind boggling when you start looking

We use pacific blue cross ( thru former employer ), but it gets expensive if you have prior ailments. We pay for 90 of our 180 days of meds out of pocket, the other 90 days is covered. We have been I formed that Blue cross is the best insurer for Canadians as they underwrite many of the other plans. BTW how far south are you going? If to Mexico, medical expenses there are inexpensive, we use coverage " in case of emergency" while transiting thru the US.

For the past seven Years We have used Medipac Insurance which is provided by the Canadian Snowbird Association and Manulife!We find their Rates to be a little better than any of the others that We have looked at.We used to use BCAA as they offered Travel Insurance to members. We are no longer members so had to find another source. Medipac was even less than the discounted loyalty program through BCAA.We dropped Our membership when We had an issue with them over Towing in the USA!

There are several travel insurance company's out there, we have used TIC in the past and had one fairly big claim last year that was handled rather slowly IMO, and were getting bills and phone calls from the US billing department, a few calls to TIC stopped that, but it was still stressful.Canadian Snowbirds Association offer insurance I hear is very competitive and will be getting a quote for this coming winter.I also got a quote from BCAA but haven't compared it to anyone else yet, and the one thing I did like about BCAA, was that there were so few and clear questions re medical history, compared to some other company's with their confusing, convoluted pages of questions. Call me suspicious but IMHO this is done on purpose to try tripping you up if you have a claim.

Google KANETIX and look for travel insurance. You can get a list of quotes based on your medical situation and various carriers. They also give you variables for deductibles etc. Clicky

Every year we survey about 10 companies for price. Most have an online questionnaire which gives you the price. We always go with the cheapest (there is a real price difference every year) Had 2 claims in 7 years. 1 with PC (Superstore) and one with Medipac. Both were handled professionally at no cost (other than my deductible) to me. In my particular case, Blue Cross is always one of the highest cost, but it depends on your age or affictions.

Medical insurance | Good Sam Community

Almot
Explorer III
Aug 24, 2013
almcc wrote:
One thing that a lot of Canadians don't realize is that if the insurance company tries to get you back to a hospital in Canada they can't just fly you back and plop you at a hospital of your choice, there has to be a bed available for you. They call around and find a hospital that can take you and then get you to that hospital

Very true. There may not be a bed available even if you come in to hospital emergency from your home in Canada. You may die in emergency waiting room after spending there 20-30 hours, happens to somebody every ear. By "hospital of your choice" I mostly meant - Canada vs US, because many Evac plans will only take you to Mex or US, if you get sick in Mex. If you can afford the US coverage, by all means get it.

Mexican private hospitals are getting better with time, and being private (= beyond the reach of most Mexicans), I suspect they won't make you wait 30 hours in a corridor. Having at least some Spanish is recommended, though. They usually find somebody who speaks English, but it's not in your interests waiting too long before they do ;)...

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