More Medipac Problems

Mountainman42 wrote:
My policy, and I'm sure most if not all others, states the following:

Medical Expenses Incurred After the Emergency has Ended
Limitation of Benefits
Once you are deemed medically stable to return to your province or territory of residence (with or without a medical escort) either in the opinion of xxxxxxxx(the insurer) or by virtue of discharge from hospital, your emergency is considered to have ended, whereupon any further consultation, treatment, recurrence or complication related to the medical emergency will no longer be eligible for coverage under this
policy.

Since your claim was going to be under $100 after your deductible, you would have been far better off to pay for it yourself and possibly file a claim with your provincial medical coverage after you got home.

Billing provincial MSP or not, the client would still be ineligible for further coverage of any emergency related to THIS particular disease until the end of the trip, this makes sense. If they would try and conceal this emergency from the insurer and quietly billed provincial MSP upon return, they would likely become ineligible for coverage of ANY emergency treatment until the end of the trip because they concealed the fact of emergency.

I highlighted one line in quote above - it sounds like they are talking about further treatment related to "the emergency", i.e. to THIS particular disease.

What puzzles me is that the OP insurer cancelled further coverage of ANY emergency until the end of the contract. When they return, they are covered by MSP, so insurer won't have to pay a dime for any further related or unrelated treatment. And if they don't return, the insurer won't cover any further emergency either. In essence, insurer simply cancelled the coverage.

And, - yes, Medipac is Manulife. The fact that it's being promoted by snowbirds associations, doesn't mean anything to me. Associations have their own agenda sometimes.