Health insurance for Canucks

southwoods46 wrote:
Check out the Canadian Snowbird Association and their Medipac travel insurance. Canadians are allowed to travel outside of the country for 183 days; some of our provinces permit provincial absence for a seven month term (to establish residency and to keep provincial health care in tact)but only 183 days can be spent out of country. Medipac allows top up to any other shorter term travel insurance such as one by Visa (30 days) etc.
Whichever insurance you purchase, an application must be completed while in Canada; don't leave home without it!

Good morning. The first part of this information is incorrect. There are no limits on how long Canadians can be out of the country. Canada does not restrict travel to its citizens in any way. You may be confusing this with some countries restricting how long Canadians can stay in their country. Surprisingly this is a common myth.

LOFAT36 wrote:
Thanks, but we're usually south for 4-5 months.

Who have you been using in the past?

We also out of country 4-5 months a year, our agent signed us with LaCapitale Financial Group last winter.

... Eric

southwoods46 wrote:
Check out the Canadian Snowbird Association and their Medipac travel insurance. Canadians are allowed to travel outside of the country for 183 days; some of our provinces permit provincial absence for a seven month term (to establish residency and to keep provincial health care in tact)but only 183 days can be spent out of country. Medipac allows top up to any other shorter term travel insurance such as one by Visa (30 days) etc.
Whichever insurance you purchase, an application must be completed while in Canada; don't leave home without it!

It's not out of country.
You cannot be out of Province for more than the alloted time.

Check out the Canadian Snowbird Association and their Medipac travel insurance. Canadians are allowed to travel outside of the country for 183 days; some of our provinces permit provincial absence for a seven month term (to establish residency and to keep provincial health care in tact)but only 183 days can be spent out of country. Medipac allows top up to any other shorter term travel insurance such as one by Visa (30 days) etc.
Whichever insurance you purchase, an application must be completed while in Canada; don't leave home without it!

No matter where you get your insurance, read the pre-existing clause very, very carefully.

Ontario - 120 days????

I don't think this is correct.

Which visa and how complex was the form?

Badhabit wrote:
Last year we got our best deal through VISA

H

Try Caa.

Jagtech wrote:
Good luck with this. Let me know if you find an insurance company that won't disqualify you should you neglect to tell them about that hangnail last year.....

JaxDad wrote:

LOFAT36 wrote:
Thanks, but we're usually south for 4-5 months.

I don't know where you are based, your profile is blank, but if you're in a Province with a time limit on your absense from the Province, like Ontario, Alberta and BC the new agreement with the US whereby the US tells Canada when you've entered the US might lead to a nasty health care surprise.

For instance, if the Ontario government finds out you've been out of the Province for more than 120 days a year, outside of certain exemptions, temporary work assignment, etc, your health coverage is cut off. Read the fine print on the secondary private health coverage, it requires you keep your Provincial health coverage in place. If not, your premiums go through the roof.

B.C. and I'm aware of the time limit, etc. Thanks, Marty

Last year we got our best deal through VISA

H