Travel Insurance File

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TravelInsuranceFile: The definitive, online consumer’s guide to out-of-country health insurance for the traveler -in plain language, without the fine print, what you need to know before you buy.

Who Needs Travel Insurance? Everyone who leaves the country for even a day.
Having none can ruin you. So can having the wrong kind.

Milan Korcok, veteran medical journalist and lecturer is a recognized authority on international healthcare and travel insurance. Chief North American correspondent for the International Travel Insurance Journal (ITIJ), a long-time contributor to the Canadian Medical Association Journal, and author and publisher of consumer travel guides, Milan is a dual Canadian/U.S. citizen who has been covering the evolution of health insurance systems…. More…

HURRICANE WARNING: TRAVEL TRIP INSURANCE DOESN’T COVER ALL STORMS.

Warning.  If you’re planning a vacation to the U.S. East Coast, Gulf of Mexico, or the Caribbean during hurricane season, which runs from June to November, you need to pay close attention to the trip cancellation/interruption details of your travel insurance, especially if you’re prepaying any part of your trip. Your power to cancel and get reimbursed for a prepaid trip is limited.

Make no mistake, trip cancellation benefits should always be part of a more comprehensive travel insurance policy.  But not all travel plans have such benefits, and even if they do, you need to understand them and not take them for granted.

No trip cancellation or interruption policy covers you unconditionally, no matter what you hear from your travel agent or read in a brochure. Rely on nothing but the fine print in your insurance contract, and if you don’t read a sample contract before you hand over your credit card number, shame on you. Remember also that the trip cancellation conditions covering weather-related disruptions can vary dramatically from one insurer to another.(Read more)

Got Questions? Ask Milan… Ross asks…Would travel insurance that excludes the U.S. be less expensive, considering the high cost of medical care there?Answer: Yes, and it is available from several Canadian travel insurers. Ask for it if you’re sure you won’t be travelling to the U.S. For example, for short-term coverage for Canadians, the Non-USA travel insurance Plan (worldwide excluding USA) by T.I.C. (Travel Insurance Coordinators) costs $1.15 per day for an individual up to 30 years of age, whereas the USA plan (worldwide including USA) costs $1.75 for the same age bracket. But be careful. (read more).


Travel Insurance: What’s Under the Fine Print?

For Medical Emergencies only.
What is a Medical Emergency?
What Does Travel Insurance Cover?
What is Not Covered?
Are Pre-existing Conditions Ever Covered?
How Much Does Insurance Cost?
What About Those in Less Than Perfect Health?
How Much Will Insurer’s Pay?
Who Pays the Hospitals and Doctors?
What Types of Plans are There?
Do Expatriates, Employees or Students Need Different Plans?
Visitors to Canada Need Insurance.
Will Insurance Cover You in a War Zone?
Do You Need Insurance For Cruises?
How Do You Know Which Plan is Right For You?
The Whole Truth and Nothing But. The Risks of Non-Disclosure.
Trip Cancellation Has its Limits.
Buying Over The Telephone.
How To Save on Premiums.
Why Are Some Claims Denied?
What if Your Claim is Denied?
What if You’re Stuck With The Bill?
Why Do They Need Your Family Doctor’s Records?
Your Doctor Gives You a Clean Bill of Health. Then What?
How Not To Buy Insurance.

CONSENT DOCUMENTS FOR INTERNATIONAL TRAVEL WITH CHILDREN. GET THEM.

Click here for a printable consent sample you can use.

With summer holidays coming on strong, millions of seniors and boomers the world over will be traveling with grandchildren, nephews, nieces and other younger relatives. That’s great. But if you’re intending to cross any international borders, you will need verifiable documentation that the children in your care are traveling with the consent of their parents. More and more governments are requiring such documentation and so they should. We have heard far too many stories about child abductions, single parent “kidnappings” or other forms of child exploitation.

Border agents in most countries, including Canada, the United States and Mexico, have consequently cracked down on unauthorized cross-border travel involving minors and are requiring adults taking even their own grandchildren to have appropriate and verifiable letters of consent. Even if the kids have your name, you need the consent. (Read more)


DON’T BE HI-JACKED BY TRAVEL INSURANCE THAT ISN’T.

A 71-year old man has a heart attack while on vacation in Florida, is treated by angioplasty, returns home to Ontario and expects to resume his vacation– fully insured– a couple of weeks later. No strings attached. Sound too good to be true? It is.

No insurer is going to cover that risk. Not even on the strength of a letter from the doctor that his patient is now stable. But when the former executive tries to dig into his company retiree pension plan to confirm that he truly would be covered, he can’t locate the fine print that will give him that assurance. Nobody in the benefits department can find it either. All they can offer is an opinion that he would be OK. And that’s a common story with people who look to company benefit plans to cover out-of-province health services. (Read more)


YOU NEED TRAVEL HEALTH INSURANCE FOR ALL COUNTRIES, NOT JUST THE U.S.

There are some pretty broad misconceptions that in some countries, foreign travelers can get emergency health care free and travel insurance isn’t necessary. They cite the U.K. as an example. Not so. (Read more)

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