Out of Country Medicial Insurance for Canadians

[cinycat]

I've been very satisfied with them. I had to cancell an Oceania cruise two years ago because my daughter fell ill and they paid. And this was just two days before sailing. They refunded my money and it wasn't even me that was ill. So, I'll stick with RBC.

[freedom750]

I talked to someone that seemed to know all the answers today and here's what I found out about the Bank Of Montreal World Elite MC for people over 65:

 

1. Trip Cancellation and Protection is covered regardless of age.

Cancellation is covered up to $2,500/person

Interruption is covered up to $5,000/person

Flight delay (up to 4 hrs) is covered up to $500/person

 

2. Medical Protection is covered for 65 - 74 yr olds for a maximum 15 day trip. If you are 16 days away then it covers nothing. You can buy separate insurance.

Age 54 and under - 60 days

Age 55 - 64 - 31 days

Age 65 - 74 - 15 days

[LHT28]

There are so many options

I used http://www.rsatravelinsurance.com/

There is PC financial, Belair Direct, Manulife

most banks have travel insurance policies

The important thing is to read the fine print & if still unsure call & get them to clarify any questions to be sure it covers what you may need

[freedom750]

Turning 65 has its draw backs including being cut off credit card benefits. I have a Visa card with CIBC which has coverage up to age 74. They just sent me a letter saying that they have sold 50% of their clients to the TD bank and my visa will be transferred to the TD account. I read the rules for coverage on the TD master card - cut off for coverage is age 64.

Grrrrrrrrr!!!

 

I think I'm going to settle on the World Elite MC.

I thought all master cards were the same but each institution has different charges and coverage. Has any one put together a chart of who offers what?

One gives me free airport lounge privileges. Another one gives me no lounge privileges but will pay up to $250 a year for airport parking, baggage fees and seat selection.

My sister in Houston, Tx has a great plan. Seems like there's better plans in the USA.

Another search is on.

[canuck.qc]

We each have the World Elite MC, got it for the Lounge passes & the bonus of 300 points each which offsets our hotel stay in LAX. & contributes to 1nite in Tahiti. These points can not be combined or transferred...haven't looked at their insurance package. There is no charge for the card for the 1st year.

[wandrr]

Consider TIC.

 

https://www.travelinsurance.ca/en/public/Pages/default.aspx

 

They have lots of options and have helped us well on several out-of-Canada medical situations. They will also go very long term, like two years!

Edited February 9, 2014 by wandrr
corrected URL

[freedom750]

Consider TIC.

 

https://www.travelinsurance.ca/en/public/Pages/default.aspx

 

They have lots of options and have helped us well on several out-of-Canada medical situations. They will also go very long term, like two years!

 

Thanks for the info. I'll check them out tomorrow. :)