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Posted date : Nov 7, 2017

Does any travel health insurance company offer a policy for travel exclusively in Canada? If not, why not? It should be relatively inexpensive and cover those situations that your home province does not cover. Can you advocate on our behalf? Victor Wall Lac du Bonnet, MB Response: Ed: The Medipac Annual plan covers unlimited 23-day […]

Posted date : Nov 7, 2017

After reading about the 180-day maximum vehicle insurance coverage period when in the U.S. in the last CSA News issue, I also contacted my Certas/State Farm agent, who was unaware of the 180-day limit but was subsequently advised by HQ that this is indeed (and has been) an annual maximum. He claims that this is […]

Posted date : Nov 7, 2017

As a result of a recent medical trauma, I have discovered a disturbing aspect of the use of top-up insurance. In the event of a medical incident occurring late on the last day of primary insurance, it will probably not be covered by the primary insurer if treatment is not sought until the next day. […]

Posted date : Nov 7, 2017

Dear Bird Talk, My husband and I have completed Representation Agreements in lieu of Advance Directives. We plan to register these with Nidus. What steps can we take to ensure that our representative is involved when we are out of province and, particularly, in the U.S.? Do Medipac and other carriers typically check NIDUS? If […]

Posted date : Nov 7, 2017

Dear Bird Talk, In a previous answer, you stated that provinces should be happy to extend the number of days of out-of-country health-care coverage as this will reduce their health-care costs? Would you explain? Nancy McRae Charlottetown, PE Response: Ed: Every emergency operation and every doctor’s visit that happens outside of Canada is a medical […]

Posted date : Nov 7, 2017

Dear Bird Talk, Recently, I negotiated a medical travel insurance policy with Johnson Medoc for a prolonged period of absence from the country. On reviewing the confirmation letter from them, I found that a sum of more than $400 had been added for trip cancellation insurance, which represents 25% of the total cost, or 33% […]

Posted date : Nov 7, 2017

Dear Bird Talk, Will owning a home in Florida along with a car with U.S. insurance and plates affect the status of being a Canadian snowbird (thinking of purchasing and leaving auto in Florida)? Thanking you in advance for your comments. Mary from Nova Scotia Response: Ed.: Owning a vacation home and a car registered […]

Posted date : Nov 7, 2017

Dear Bird Talk, In response to your letter from Len Stoll, Ottawa, re top-up insurance. My husband and I wanted an extra five days in April 2011 and I called the insurance company we were with that year and there was no problem. They sold us five days’ each. Were we covered if an emergency […]

Posted date : Nov 7, 2017

Dear Bird Talk, I would like to share with Canadian Snowbird Association members our experience this past spring with Medipac Insurance. We had just begun our return to Canada from a five-month stay in south Texas and chose to stop for our first night at Shreveport/Bossier City, Louisiana. About midnight, my husband Steve awoke with […]

Posted date : Nov 7, 2017

Dear Bird Talk, I was unable to get a favourable quote from Medipac (last fall) as I have a 4.6 cm abdominal aortic aneurysm. I am 67 years old. My surgeon will not operate until it gets to 5.5 cm. I have been spending three months in Myrtle Beach for the last 12 years and […]