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Travel Medical Insurance
Perhaps, this information could be helpful to you. If anyone has experience with Travel Guardian, please share. Thank you!
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Hello @danidelbiondo... welcome to this chat site.
We hope you will find much support and information here.
You may also want to view the recorded webinar on Travel Insurance
you can find it here:
https://www.youtube.com/watch?v=9QbOb0zgdhk&feature=youtu.be
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Hi again - you can also type Travel Insurance and Cancer in the search box at the top right of this page above the
New Discussion tab ... you will see the previous posts and discussions0 -
Hello all,
I have been doing a recent search for multi-trip "Emergency Medical Travel Insurance" for someone with a pre-existing condition and thought I'd post as I couldn't find any recent information in the forum (forgive me if it's somewhere that I didn't see). My caveat with this post is that each of our situations are unique and it's important to do research based on your own personal situation. As well, be prepared to be honest with your medical information. I made a note of all my dates from diagnosis, surgery, start/end of chemo, final post chemo CT scan and start of maintenance drug. It was helpful for quick reference. Please note that I'm not endorsing any companies below. As well, I can't reinforce enough the importance of knowing you personal situation, what's important to you e.g., stability period, length of trip coverage, amount of coverage, types of coverage included such as hospital or medication etc. Understand the information companies provide relative to your own situation.
Below is what I learned about policy elements that were important to me that may be items you too are curious about:
- Each company has its own requirements (7, 30, 60, 90 days etc.), that your condition must remain "stable" or unchanged before your coverage takes effect and/or departure date. The policies clearly outline their definitions of stable so read them thoroughly and ask lots of questions. I was specifically interested in coverage with 7 day stability prior to my departure date(s).
2. Age also matters. There appear to be differences in coverage for someone 59 and under vs. over 60 at the time of your departure, or in some cases 60 and under vs. over 60, specifically around the "stability" definitions.
3. For multi-trip policies, each company also specified a timeframe for how long a 'trip' can last e.g., 10 days, 18 days, 31 days etc. Basically you have to return to your home in Canada before the specified timeframe. At that point the policy coverage and timing "resets". For example, if the policy timeframe is 18 days, then you must leave/return within the 18 days. At that point, your policy resets and you can be off on another trip. If you know you'll be away for longer than their specified timeframe, buy "top up" insurance. They all provided that for an extra cost. For example, if their timeframe per trip is 18 days and you know you'll be away for 25 days, then purchase the "top up" for the additional 7 days. I hope that all made sense!
4. Lastly, for pre-existing conditions you will need to speak to an agent. You aren't able to use the 'online quote' function.
I spoke to three brokerage companies. They take your information and do the work of looking to see what providers will cover you. The companies I spoke to were: Medi-Quote (www.mediquote.ca), Snowbird Advisor Insurance (www.snowbirdadvisorinsurance.ca) and Securiglobe (www.securiglobe.com/en). Again, I'm not endorsing any of these companies.
I was able to get a reasonable quote for multi-trip emergency travel medical insurance through Medi-Quote, with a 7 day stability clause. I didn't have luck with the other two companies as they required stability timing that would not work with my pending travel dates. As I progress further from my key medical dates, my stability timing will get better in which case I expect more companies will provide coverage.
I also spoke to Manulife Insurance regarding their TravelEase insurance. Their policy is medically underwritten based on your specific situation. It has NO stability period however for the application you must review your 5 year medical history. This includes anything you've been diagnosed with, treated for etc. This could be as simple as a UTI for which you were prescribed medication. I didn't proceed as I didn't have the confidence that I had a solid handle on all my medical for the past 5 years. It is however an option for anyone much more organized than I am.
I also looked at Travelguard and Allianz however again, their stability period didn't work for me.
There are clearly other companies out there that people have used. Please feel free to share. The intent of my post was really to provide some new information about this topic and share information I learned from a sample of providers. I hope this helps.
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Thank you for this information, I tell you, it is amazing how much information one can get from this site! Love it!
My husband and I are thinking about a trip abroad this winter, so I will definitely look into these insurance company before going!
Xoxoxox
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@Sylviequebecbc you are most welcome!!! I agree this site is a wealth of information. Happy trip planning.
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