Hi guys, well here we are 1 week till we are supposed to go to Cuba for 2 weeks, and we find out that there does not seem anyone is willing to take a risk on me and insure me...... I am taking to many medications according to what we have been told.
Those of you in Canada, who did you use for your medical insurance when travelling,..
I will be so much more disappointed if it is really true. as we so needed this vacation .....
have you tried bank of montreal? That is who I used, and I have cancer.. They don't like to insure you if you have changed any medications in the last 6 months they won't cover that disease / condition and will make you sign a waiver, but they will cover the rest of you. I find it hard to believe you can't get insurance? usually it just comes down to how much you are willing to pay for insurance. If you are older (65 ish) it is also harder to get insurance. My parents have a travel policy they pay yearly that covers any travel that year (they go away every winter south). My stepdad has a heart condition, back issues.
Can you just live on the wild side and travel without it? I know I have a friend in the UK I would like to come see me, but she is also concerned about the travel insurance. I hope it works out for you to take this dream trip.
I'm with Blue Cross. I have 60 Day Out of Country Emergency Medical. It's continual coverage that is provided by my employer as part of my benefits package. There are no exclusions.
My only other experience is with Air Miles and I can't recall who it's underwritten by......Manulife perhaps? They have the exclusion mentioned above in their Airmiles policy re: does not apply for any medical issue that hasn't been stable wihtin the 6 months prior to purchasing the policy. They are very strict on this point; I was advised by them that even a change in medication voids eligibility. I explained one could change meds without that meaning their condition was unstable, say swapping out gabapentin for Lyrica because a drug plan covers one but not the other, treating the same symptom that isn't worsening They said it doesn't matter the reason, that would fit their definition of 'unstable' medical condition.
A waiver wasn't required in order to purchase the Airmiles policy as the exclusion is clearly stated in the policy. There were no medical questions (at least for my age group - 40's) and there wasn't a question of denying me due to MS. Just would have meant they would cover me for any other medical issues but not MS related ones because I'd changed meds less than 6 months before I would have purchased it. I decided not to bother and risk losing my Airmiles if I couldn't travel.
Candy, I'm surprised you were outright denied purchasing a policy and I say that based on your age. Are they requiring you to complete a medical questionnaire or are you offering details of your medical history up front? If the latter I recommend you seek out another insurer and not provide any more info than you have to. Before you purchase read the exclusions carefully. I think you'll be hard pressed to find any policy that won't have that exclusion regarding a period of medical stability prior to purchase. Six months is pretty standard though I think I came across one once that was only three months. So you may be able to purchase a policy but you'd need to be comfortable travelling knowing any MS related issues aren't covered.
Or, as summluvr suggests, you may be able to find an insurer willing to cover you including any MS symptoms/relapse that may arise, at a higher premium.
According to this piece, Cuba will not allow tourists entry without valid medical insurance. For those who show up without it, they must buy a Cuban policy which sounds like a bit of a scam. More expensive and still has many exclusions.
Thanks guys, all helpful, and good news Norm found us insurance, so my storm is over.... YEAH !!! 1 week today.... can hardly wait.
Doublevision1...... thanks for your post, to answer your quesstion, I HAD to fill out a questionaire about my medical situation. Our son who works for an insurance ( in the commercial department) , anyway, he was trying to get the insurance, and his people that he deals with DENIED me, because I am on to many medications. So, I don't know the criteria for it, and was crushed last night when we got the news that we could not get it.
But, my hubby went on the puter this morning, and got us some insurance.
I have had a change in medications as my Copaxone started just 5 weeks ago, and we have had a relapse as well.
Policy does not exclude pre-existing conditions but limits
claim to first $20,000.00 . on recurrances.
Maybe this will help someone else , oh, this price was $50.00 for the whole 2 weeks.
and bring anyone else with you that cares to come .,.. LOL
I'm sure that will be a bunch ...... keep watching and we will try and post pictures from Cuba while we are there, instead of having to wait till we get home.....
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