International travel insurance for Canadians

[angrymime666]

Hey all,

I'm going overseas for 5 months and need insurance. I've gotten several quotes. Has anyone used the travel insurance you purchased for a medical emergency? Any reviews or insight as to the ease of use of coverage and claims. There are a lot of horror stories out there.

Would like to find a hassle free and well reviewed company if possible.

Thanks

 

[Mr Deeds]

Hey all,

I'm going overseas for 5 months and need insurance. I've gotten several quotes. Has anyone used the travel insurance you purchased for a medical emergency? Any reviews or insight as to the ease of use of coverage and claims. There are a lot of horror stories out there.

Would like to find a hassle free and well reviewed company if possible.

Thanks

Book thew Amex

 

[JeanGary Diablo]

If you're a member of CAA, it's hard to beat their rates.

 

[bazokajoe]

I don't think any insurance company is any better than others. They'll all try to get out of paying.

 

[tool_man05]

Hey all,

I'm going overseas for 5 months and need insurance. I've gotten several quotes. Has anyone used the travel insurance you purchased for a medical emergency? Any reviews or insight as to the ease of use of coverage and claims. There are a lot of horror stories out there.

Would like to find a hassle free and well reviewed company if possible.

Thanks

It seems from me checking travel insurance companies that a lot of them in Canada, use Alliance Global for their claims department. They are based in Kitchener. And yes I have had to deal with them once.

 

[angrymime666]

It seems from me checking travel insurance companies that a lot of them in Canada, use Alliance Global for their claims department. They are based in Kitchener. And yes I have had to deal with them once.

How was the claim process?

 

[Vinson]

If you're a member of CAA, it's hard to beat their rates.

They also have very good car insurance rates.

 

[JeanGary Diablo]

They also have very good car insurance rates.

Definitely. Honestly, I don't know why everyone doesn't insure with them. Tons of benefits if you're a member and their rates are cheaper across the board. About 20 years ago, I went to the Co-operators because they offer free insurance rate checking. Told them what I was paying for home and car insurance with CAA and they flat-out told me they couldn't beat the prices I was paying, nor could anyone else in their system.

 

[SchlongConery]

I was going to say that if you have a premium credit card, they usually include a comprehensive travel emergency insurance coverage if you buy the ticket using that card. However, not for 5 months.

But I also hear CAA is good in terms of settling claims.

 

[JeanGary Diablo]

I was going to say that if you have a premium credit card, they usually include a comprehensive travel emergency insurance coverage if you buy the ticket using that card. However, not for 5 months.

But I also hear CAA is good in terms of settling claims.

Can confirm -- I've filed a few claims with CAA and never had an issue. Honestly, I don't know why everyone doesn't get a membership and use them for insurance. Lots of perks with membership and the rates are as low as you'll see.

 

[PeterStar]

Manulife. Made a claim and was reimbursed 100%

 

[Silkroad]

It seems from me checking travel insurance companies that a lot of them in Canada, use Alliance Global for their claims department. They are based in Kitchener. And yes I have had to deal with them once.

I think you mean Allianz Global Assistance. Alliance Global is a conglomerate based in the Philippines

 

[tool_man05]

How was the claim process?

It was a long process, took over a year to settle, but they did!

 

[tool_man05]

I think you mean Allianz Global Assistance. Alliance Global is a conglomerate based in the Philippines

I stand corrected

 

[angrymime666]

It was a long process, took over a year to settle, but they did!

That's brutal. Im curious; if you have a critical issue requiring serious care/surgery, are you still required to front the total cost. 1k no problem but 20k..... Jesus

 

[tool_man05]

That's brutal. Im curious; if you have a critical issue requiring serious care/surgery, are you still required to front the total cost. 1k no problem but 20k..... Jesus

I guess it depends on your policy and deductible. My problem was in the US and I didn’t have to pay anything up front. BUT for all procedures that werent standard/normal I had to call the insurance company for the ok to have them done!

 

[tool_man05]

Can confirm -- I've filed a few claims with CAA and never had an issue. Honestly, I don't know why everyone doesn't get a membership and use them for insurance. Lots of perks with membership and the rates are as low as you'll see.

CAA is good as long as you’re under 65 and don’t have any pre-existing conditions.

 

[oralgiver]

Hey all,

I'm going overseas for 5 months and need insurance. I've gotten several quotes. Has anyone used the travel insurance you purchased for a medical emergency? Any reviews or insight as to the ease of use of coverage and claims. There are a lot of horror stories out there.

Would like to find a hassle free and well reviewed company if possible.

Thanks

Take a look at a company called Medipac. They're endorsed by the Canadian Snowbirds Association and the Canadian Legion.

 

[drstrangelove]

CAA is good as long as you’re under 65 and don’t have any pre-existing conditions.

Not necessarily. I meet both of these conditions and had no trouble obtaining travel insurance through them. Interestingly though, I didn't qualify by applying only for travel insurance, but did qualify by applying for total package, ie trip cancellation, travel insurance etc.