medical insurance with pre-existing conditions

On Sun, 23 Dec 2007 09:08:26 -0500, Johnnie
wrote:

I always get my quotes from a broker at http://insuremytrip.com Their service
is great and I have always been pleased with the policy I bought. Just make
sure you understand what you are buying. You probably do not want the
cheapest or most expensive policy.

Since we are in Canada, go to
http://www.insuremytrip.com/ca.index-1012-0-0-43.html as this is their
site for Canadians... and does the comparison work for you...

RsH

My cow was rejected for travel insurance as "morbidly obese" hell, I knew
that so know fat folks can't ger insurance?
"RsH" wrote in message
news
On Sun, 23 Dec 2007 09:08:26 -0500, Johnnie
wrote:

I always get my quotes from a broker at http://insuremytrip.com Their
service
is great and I have always been pleased with the policy I bought. Just
make
sure you understand what you are buying. You probably do not want the
cheapest or most expensive policy.

Since we are in Canada, go to
http://www.insuremytrip.com/ca.index-1012-0-0-43.html as this is their
site for Canadians... and does the comparison work for you...

RsH

"clint" wrote in message
. ..
My cow was rejected for travel insurance as "morbidly obese" hell, I knew
that so know fat folks can't ger insurance?

Check with your family vet.
--Jean

Jean O'Boyle wrote:

"clint" wrote in message
. ..

My cow was rejected for travel insurance as "morbidly obese" hell, I knew
that so know fat folks can't ger insurance?


Check with your family vet.
--Jean


Be nice, Jean. Don't pick on our good friend Clint.
You have to admit he is entertaining.

Ermalee

Jean O'Boyle wrote:
"clint" wrote in message
. ..

My cow was rejected for travel insurance as "morbidly obese" hell, I knew
that so know fat folks can't ger insurance?


Check with your family vet.

Hohoho and a Merry Christmas to you!!

sue

On Sun, 23 Dec 2007 20:06:39 -0500, "clint"
wrote:

My cow was rejected for travel insurance as "morbidly obese" hell, I knew
that so know fat folks can't ger insurance?

Since the local polar bears are hungry, an overly fat cow sounds like
a good munch. Send said cow up to Churchill, Manitoba and don't worry
about insurance. Of course, you might want to discuss it with said cow
first...

After, we are talking about insurance here in Canada, Eh?

RsH

Thanks for the replies. I found last year's survey yesterday, but I'll
definitely try the link you provided.
Before I turned 65, I was quite happy with the out-of-country medical
insurance and trip cancellation and interruption insurance (and collision
damage waiver insurance provided with my gold Visa card. What a great deal.
But the medical component stops abruptly at age 65, not sure about the
cancellation component. And it's worth noting that the medical component
terminated the day you turn 65, whether or not you are in the MIDDLE of a
trip.\
Anyway, it was great while it lasted, and at least my wife qualifies for a
few more years.
I doubt that you will have any difficulty finding proper coverage at your
age, you young puppy! But I strongly recommend the gold Visa card.

"hamiltoncruiser" wrote in message
...
I found link to the Star survey:

http://www3.thestar.com/static/PDF/0...el_medical.pdf


http://tripcentral.ca/trip/INFO/INSURANCE/thestar.pdf


The thing I saw is the rates are for a healthy traveller and the age
rates start at 63! I'm in my 40's!!


...Lisa

On Dec 22, 3:04 pm, "Duncan Craig" wrote:
If it the original question was from Canada, I'd like to add a few
comments.
I have been looking into the best travel medical (& cancellation)
insurance
for myself in Ontario, Canada. My first "problem" is an ongoing search
to
find the cause of my sinus congestion and phlegm in the throat
problem....
as a result of being on a "puffer" for a short period of time as part of
the
diagnostic process, it seems I'm a bad risk.
In addition, I had an unexplained medical episode recently, followed
within
less than 24 hours by a seizure. Although the original episode was
initially diagnosed as a TIA, now the neurologist says it probably
wasn't,
but I'm on record as "maybe" having a TIA. Again, naughty boy; we don't
want you! Strangely, none of the 3 seem to care about a seizure unless
it
is diagnosed epilepsy.
I have only checked with 3 Canadian Travel Insurance providers so far:
CAA,
CARP and RBC Insurance. The only one of the 3 that doesn't severely
restrict me or outright disqualify me for prior issues is RBC Insurance.
Unfortunately, they do not provide rates on their website or in their
brochure.
I regret having apparently missed this year's Toronto Star survey of
travel
insurance. I guess it was published while we were travelling. Ironic.
It
would give me a starting point for tracking down a provider that meets my
needs.
What I find most annoying is how easily these companies tell you you're
not
eligible. They reallly want to cherry-pick the best risks and provide
little or no options for the traveller with a bit of medical history.
What I find almost as annoying is the huge number of plans these
companies
offer (if you qualify). CARP has about a dozen plans in their packages,
RBC
has at least 19 in their brochure. And this can be doubled if you factor
in
the option of having single-trip insurance or multi-trip annual coverage.
It's VERY confusing. It's worse than buying a car back in the '80s.

"RsH" wrote in message

...

This looks like it came via Hamilton, Ontario, Canada - so the
response needs to be based on insurance available in Canada and not on
insurance available in the U.S. Royal Bank has an insurance arm that
most cruise agents in Canada use. The CAA/OML also has such insurance,
as do other banks, such as CIBC and BMO, to name two. Shop around, but
do NOT end up having your doctor fill out a multitude of forms for a
bunch of different insurance companies, since that is not covered by
the provincial medical insurance, so you will end up paying and paying
and paying for those forms. Anyway, the insurance is available, but
the price will depend on what you suffer from and how likely it is to
cause them to need to pay out just when the cruise comes up.

FWIW

RsH
------------------------------------------------------------
On Fri, 21 Dec 2007 04:27:30 -0800 (PST), hamiltoncruiser
wrote:

I have a progressive medical condition that requires ongoing
monitoring and occasional adjustments to medication plus epilepsy.

I understand that most policies will exclude me and my pre-existing
condition(s) if I see the doctor within 6 (or 12) months of a cruise.
This would make us seriously consider booking a cruise if my medical
conditions cause us to have to cancel or cause a problem and I need
medical attention during the cruise. It would be financially very
painful if we lost our cruise payment, airline payments, or had to
pay for medical attention. What are my options medical
insurance? Can someone shed some light on the situation for me? We
are going to see our TA early in the new year to book for March 2009,
we will definitely talk to her about this when we see her.

...Lisa

Thanks for the link, Johnnie. I'll definitely put it to use!

"RsH" wrote in message
news
On Sun, 23 Dec 2007 09:08:26 -0500, Johnnie
wrote:

I always get my quotes from a broker at http://insuremytrip.com Their
service
is great and I have always been pleased with the policy I bought. Just
make
sure you understand what you are buying. You probably do not want the
cheapest or most expensive policy.

Since we are in Canada, go to
http://www.insuremytrip.com/ca.index-1012-0-0-43.html as this is their
site for Canadians... and does the comparison work for you...

RsH