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Save Your Dream From Turning Into A Nightmare With A Great Cost

A costly nightmare can come out of the supposedly dream extended warm weather holiday outside Canada after years of saving among seniors who come clueless and unprepared. Coming from a travel advisor who coordinates travel insurance for the Canadian Snowbird Association, if you leave Canada devoid of sufficient medical insurance, you are both in physical and fiscal risk. In the US, the system adapts to it by checking first your insurance card even before taking young pulse.

The family doctor has a big role in explaining the medical limitations of insurance and so a travel insurance expert has advised seniors to bring their policies to the said professionals. There are a host of things to look out for in terms of insurance, but you should always try to go with the Top 5 companies, he said. Trust your instincts about something when you think it is too good to be true. A person who works for a brokerage firm that focuses on travel insurance states that the low awareness of senior citizens regarding their insurance is quite alarming. Be cautious that both spouses recognize the terms and conditions of coverage. The company name is sometimes forgotten by the married couples. Cluelessness even of just one of the spouses should be regarded as a major issue.

It's also important that both of the couples are aware of the 1 800 emergency number for their health policy, that they refer to it instantly in an emergency and they have each other's provincial health insurance numbers ready, according to an official of a private health insurance association. A real source of built in peace of mind is embedded in this toll free number. A free brochure is provided by her group for seniors who are planning to travel.

If the country you intend to visit is a non English or French speaking country, you should know before you go where to get medical assistance in your own language. So you will have the information, you can communicate with the international association for medical assistance for adventure seekers.

A long line of issues are involved in putting together insurance for Canadian seniors who intend to go on a trip outside Canada. Conditions that already exist and other hindrances for qualifying for insurance have been majorly tightened over the last two to three years. Ordinary senior people who travel can still definitely get out of Canada but they have to be ready for higher rates. Another issue is the multiple coverage served by the provinces for foreign medical care.

Quebec now pays $50 a day for foreign outpatient treatment, down from $61. A reckless variety of medical coverage can be seen outside the province. By province, the rates are $75 a day for BC residents, $100 a day for Alberta and Saskatchewan residents, $280 to $570 on a graded scale for Manitobans depending on the care needed and where it's provided, $400 a day for Ontarians, $100 a day for Quebec residents, $600 a day if you're from New Brunswick, $525 for Nova Scotians, $570 if you live in P.E.I, and $350 for Newfoundlanders.

You can retain your provincial coverage if you do not go beyond 183 days outside your home province. Once you lose that coverage, you can also say goodbye your private coverage. A certain insurance company is slashing its rates by up to 37 percent. The highest officer of the company says the lesser rates also mean lesser claim costs. Still about this company, they say they have insured close to two million Canadian travelers in 1995.

By: Shirley Fuchs

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