Travel Insurance: Are you actually covered? (CBC Marketplace)

Tripped Up | Originally broadcast March 9, 2012
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[@fred_derf]

The medical questionnaire should have to be verified and accepted or denied prior to the insurance being issued. If they take your money, they should have to cover you.

[@heenanyou]

Mortgage insurance is the same. The insurer will decide later if you qualified in the first place, and take your premiums in the meantime.

[@kamranhaidertunio]

exactly. I always wonder how can they accept the undertaking and then refuse to pay

[@mangotail6808]

It's hard to believe one question costs a senior the price of a luxury vehicle or a house. Its like poker by Insurance. You got heart insurance but you didn't cover that old man. no coverage! When I get old, I better talk to my doctor and a lawyer first before signing the form, because right now signing an insurance form is like writing an agreement with a devil, literally.

[@JamesBond-uz2dm]

In every city, large and small, one will see two high rise towers. One is a bank, the other is an insurance company. Those towers were built with money from not paying off claims or paying high interest to customers.

[@wolfpackflt670]

So if I want travelers insurance, I should bring a lawyer with me to help me fill out the questionnaire.......What has the world come to?

[@ericwright2936]

There needs to be a travel court.

[@claired7339]

Please make an updated version, even one featuring top suggested companies, and ones that cover activities like skiing or horse back ridding as this is always a relevant topic!

[@mksabourinable]

My biggest question is: if the insurance companies have access to the medical records, why is a form needed at all??? Why not just check the medical history in the first goddamn place??

[@grahamrich9956]

Kye Talks Because they need to have an excuse.

[@ShidaiTaino]

Kye Talks because they want you to “lie” so they don’t have to pay

[@mangotail6808]

If you wanna go very safe, Consultate with your doctor and a lawyer first because oh my god, go buy these second country doctors a Ferrari.

[@KneeJerkReactor]

because data/medical records is not "consolidated"

[@cxa011500]

Part of the lesson here is to not use Manulife or any insurance that is underwritten by Manulife. They should be put out of business for essentially scamming people out of the money they paid. Deciding whether or not to accept a claim after they took their money should be considered theft and they should be taken to court for denying claims. The only thing insurance companies should be able to consider is if there is genuine medical need for the services they were provided.

[@Georgeqaws]

Somethings is seriously wrong with our healthcare system in the first place. it should not cost $346 000 for any surgery anywhere in the world! Greedy doctors or what?

[@gmrrnracr]

It's not necessarily the doctors! They are the heros! It's the administration, private middle man who's making the profit and stock holders. Which one of the following would you trust for treatment. Never attack the actual professional.

[@TailoredReaction]

All insurance is a scam. Traveller's Health Insurance, long term disability, and even auto insurance. The insurance companies ALL deny your original claim. ALWAYS.

[@roroflowazoro]

I get free glasses or contacts once a year an amount of doctors visits costs and idk how much emergency visits and I don't pay a dime for my health insurance

[@cleberfischer5475]

o

[@tspiderkeeper]

USA Medicaid which is the 50 states disability medical care pays full.Unlike many countries USA Government helps people in big ways.Also USA insurance under law must accept many if not all claims given truthful to your knowledge of medical history

[@ExtraordinaryLiving]

+Natasha Johnson It's easy and convenient for them to say "this is covered" and "that is covered" when all goes well. Yet when something real happens and big (medical or other "covered expenses") bills have racked up, the unscrupulous insurance companies would find *ANY* excuse to get out of honoring the claim and pay up as they are supposed to. It is just soooo important to find and work with truly reliable insurers. Now, I am not Canadian or live in Canada, but if I were, then I would certainly *NOT* buy any travelers insurance (or probably any kind of insurance at all) from Manulife, because it sounds like one of those unscrupulous companies who is simply out to take people's money yet refuses to pay up when it needs to.

[@caseyvee4419]

So right, Gordon. I have been there, done that.

[@Sulfen]

A ton of Americans go through these same fears on a daily basis. Canadians are lucky that they have free healthcare in the country.

[@Sulfen]

Just to clarify: of course it's not free. But in the U.S. we pay for our healthcare in our taxes but if we want to take advantage of it we have to get private insurance. Only some people are eligible for full government insurance (elderly and low income kids).

[@PatrickBaptist]

+Sulfen Free health care to wait how long to get exactly?

[@Georgeqaws]

+2damaxmr2 Canadian do not have free healthcare. Canadians pay it in their taxes and tax returns and only certain things are covered. Dentists, drugs, and a lot more are not covered. Only physicians and hospitals are covered.

[@PatrickBaptist]

Georgeqaws And canadian health care, you don't just go get taken care of, you wait in line.

[@PatrickBaptist]

docstowatch The medical establish is mostly a bunch of snake oil and poisons/toxins

[@Caleb.Brockie]

To any Canadians. This is America on a daily basis. If you're uninsured, you're SOL

[@joelavery2729]

Maybe I am thinking this wrong, but why not validate those questionnaires before accepting to insure the individual?! Yes a lot more work for sure, but it's your job insurance companies...

[@hironyx]

that's exactly what they SHOULD do. you fill the form, send them the form along with your medical reports from the hospital and the insurance company should be the one validating the information before telling you are you eligible for the policy and before taking your money.

[@whytedaisesify]

then why wouldnt have any loop hole to "null and void" the contract.

[@justanoman6497]

What's the point of even answering the questionnaire if you can send and they accept the files? I mean the process of validation would 'cost" the same as they filling it out themselves using the files...

[@caseyvee4419]

READ the travel insurance policy before you buy it, and you WON'T buy it!! They have so many clauses that say "we don't have to pay if...." that they basically cover nothing.

[@nedkelly2035]

SO RIGHT !! After questioning agents about what the insurance covered, even they could not honestly justify the cost.

[@caseyvee4419]

BTW- travel insurance carries a bigger commission for the travel agent (by %), than the travel booking does.

[@reapersovereign7374]

Any kind of insurance seriously makes life not worth living at all. Disgusting world we live in.

[@FrozenFireFreezingSteam]

im more interested in what happens if you had ticked yes. Does it cost more, and how much more for the insurance?

[@d.v.t]

it's always the case when it comes to insurance. They make money from us paying and WITHOUT refunding! CBC should also look into provincial health care out of province, I bet many Canadians don't know that your provincial health care might not even be valid elsewhere in Canada.

[@chrism1102]

As an American, I travel to Canada all the time. The border is only a few hours from my house. I always get travel/health insurance before going but one of the major loop holes is that you must use "In-Network" Doctors and hospitals, otherwise they don't pay. I had a friend who cracked her head open after slipping on a staircase that was covered with confetti and ribbons last New Years Eve. The staff called an ambulance and she was rushed to the hospital. Unfortunately it wasn't an "In-Network" provider so they wouldn't help here until she came up with the cash first. They wouldn't even take a credit card. We all had to scramble, running from ATM to ATM to get the cash so she could be treated.

[@ohmyblindman]

An insurance company not paying its obligations? Shocking, just socking I tell you.

[@raul3589]

If they take your money, they should pay for anything they claim to cover.

[@minniabby6602]

ALRIGHT MARKETPLACE, we know that this insurance is a scam. So, WHAT DO WE DO ABOUT IT??

[@guyfroml]

Research every question and carefully learn every reference the form gives to the definition of the terms or phrases. What could be good advice is to have a lawyer first look at the form.

[@CamInglis]

@@guyfroml So you do everything right, but later if you do have a claim your doctor will be asked to complete paperwork to verify your medical history. If the doctor can't or won't complete the paperwork in a timely fashion your insurance coverage may prove worthless.

[@gotgunpowder]

beg your nanny state government to make a bunch of ridiculous laws that won't fix it, obvs.

[@nedkelly2035]

@@guyfroml Where I live, lawyers don't work for less than $250. per hour, ever. $500. per hour if it is anything really important. So, people should hire lawyers at $250. per hour in addition to paying for the policy to begin with.

[@ChristianProetti]

The travel insurance company should get the medical records and validate the application before the insurance company ACCEPTs or DECLINES the insurance. If the insurance company validates the insurance policy and accepts it then should have to cover it.

[@chipsiko4]

well, legally speaking they are not breaking the law, it might not be morally right but not illegal

[@TheSuzberry]

Frankly, it is the business of insurance companies not to pay out. They accept payment betting that the insured will not need to claim. When they do claim, the insurers lawyers take to the documentation with a fine tooth comb. Bottom line: your insurance covers you in Canada and there are terrific places in Europe where medical care is affordable. Why gamble on a vacation in the US?

[@bluejayjay494]

Like most insurance companies, complete scam artists. They have no problem taking your money, travel or car insurance companies, but the moment you need to make a claim or need to use the insurance, they have excuses such as one used in this video that the person didn't fill out the form properly to avoid having to pay out that money that is needed to cover the bill. What travel agencies should do is ask the person if they require travel insurance, call the insurance company directly or go to a insurance company in person. This is another example of insurance companies taking advantage of the elderly, they know they are high risk travelers, probably on several types of medication for whatever condition they have.

[@theblondeone8426]

this couple is right and they need to sue right away, Im a nurse and their responses were resonable the questions are not applicable to real life theyre too simple

[@jheyn]

Manulife insurance....wrong move ..... Setting up people to fail. Such a scam

[@jaywang7336]

So what happened to the first guy who had the insane over $300,000 medical bill? What happened to the bill? I want answers!

[@etrnlygr8tful87]

Jamal Jenkins did you not watch until the end?

[@jaywang7336]

etrnlygr8tful They still didn't explain how they were going to pay off the remaing $160,000 dollars? I closed the video right before they mentioned it, I guess this in itself is a 'marketing strategy' from CBC marketplace lol

[@etrnlygr8tful87]

Jamal Jenkins ...who is "they" that still didn't explain who is going to pay the $160? do you mean the couple or the show? If you're talking about the couple, well unless they have a money tree that grew actual money from it, I guess they'll say...we'll get the money from there, otherwise just like most if not all of us we will pay it off little by little, but who knows exactly how they'll pay...unless CBC agrees to compensate them for their appearance of the show and pay a portion of that due. Yea...sometimes you'll find the answer to your question @ the end of the video, just like most fine prints in a contract or an insurance application is written at the end. So you got to wait till the end :^ )

[@richardhowe4140]

@@itrthho thanks..I won't have to watch all of it🤔🍺🍻👌😂🤗

[@toddstrong6902]

I'm about to go on two big trips and have decided not to bother with insurance after seeing this story. It seems it's just a big scam. Thanks for opening my eyes!

[@lindalee621]

Although I know exactly the most of them just trying to rip people off, I still buy travel insurance before I leave the country and try to answer the questionnaire on those forms as accurate as possible, but in the back of my mind I always doubt I can get any coverage from them if anything happened to me, the only thing I can do is pray. We really need to have laws to regulate the insurance companies.

[@NajeeTheTruckerDude]

Im a truck driver(18yrs) who was hit in the back by a truck driver in Arkansas.....insurance companies try to put you back on these highways rathar then fix the problem their insured caused ....i was parked(highway construction)and theyve fought me for 3 years (fire and rescue insurance of america)they want me on the road with back spasms that incapacitate me for 5-10 seconds ...im putting the word out ........pass it on..... Texas Arkansas Tennessee Virginia New York my dedicated run tell the people to be where... fire and rescue Insurance of America company wants me back on the road incapacitated

[@KrypptikkSoulslayer]

These questions needs to be written in a way that even a five year old can read and understand it.

[@gordongravelle2524]

Laurie says it all when she calls her father, George the most honest man in the world. Business ethics are little more than a new name for 'the three card monty'. Hard working, honest people are simply being tricked, deliberately! All due respect to Market Place and Susan the seniors advocate for their terrific work but where is the leadership? The insurance industry is out of control and something need to be done.

[@ronaldckrausejr7762]

Consider these facts... Does your insurance cover the following... 1. Traveling with a laptop and/or tablet - hoping it is not for business? What's covered and what is not? Does it cover data recovery? Do you have full backups of all of your data? Will the laptop have similar or better specs? Be sure to check if items such as the processor, graphics card(s), ram, screen resolution, etc... are covered 2. Cameras... Is it a hobby camera or one that is far more advanced - possibly even used in ones professional line of work. Does the insurance cover the exact same camera line replacement? If not there might just be a grave issue with lens compatibility. Is the sensor MP count and size of the sensor covered? Every single accessory covered? Memory cards covered and full data replacement? Don't forget items such as batteries. 3. Bonus item... If the cameras are used for any type of professional work... The cost of getting those items replaced ASAP

[@pudchaa]

Poor George 😢😢😢 Ugh, this makes me so sad....☹️

[@1398go]

What would happen if you have a lawyer submit these papers for the client, on behalf of the client? Would the insurance company then need to deal with the lawyer if something were to happen? Or have they found a way to avoid that from happening? Why not let the lawyer represent you and let them deal with this "null and void" nonsense, but the key is to do this BEFORE and while signing up for the insurance, not after you've filled it out. The key idea is to have full representation from beginning to end. I think it's only fair. If you're going to have papers written by lawyers and you get rejected by lawyers, it's only fair to get a lawyer on YOUR side. Just unbelievably costly.

[@gardenrxpert6573]

You don’t need to buy travel insurance when you travel. My husband and I traveled to Manila this year, unfortunately he was hospitalized diagnosed with congestive heart failure and pneumonia in one of the prime state of the art hospital in BGC in Manila. BCBS advised me that the hospital could directly bill my insurance or keep all hospital receipts and make a claim when we get back in the US. I paid the hospital with my credit card upon discharge. I got a total refund of all his hospital bills after the claim was reconciled. All it take was to send them the copy of receipts and in less than 4 weeks I got the check in the mail. When planning to travel abroad check your employer if your medical insurance covers you. Luckily I work for one of the top 10 Fortune 500 that offers this perk.

[@ronaldmiles867]

U mean U don't not others because U have coverage thru Ur employer

[@rjmiller2553]

So what is the alternative? How can elderly Canadians get travel insurance?

[@1398go]

Isn't the solution to all of this is not to fill out the medical part of the form? Tell them, you are not a doctor, nor a lawyer----you literally don't know your anatomy and cannot decipher these legal hidden potholes. Also, these insurance companies should not be allowed to have access to your medical records. These insurance companies should not even be allowed to ask if you even had a cough! Are you a living breathing human that wants protection while traveling? Check the answer yes and safe travels.

[@ianpatrick3589]

Preexisting conditions should be made private and therefore unavailable to insurance sharks.

[@Imyourmoose]

I'm glad i live in holland, also not al those hard words and questions about my health. If something happen i am coverd.

[@lieutenantwoomy3146]

Ah, it’s nice to be able to watch this even when I’m not back in Canada.

[@ianpatrick3589]

Insurance companies are crooked. That is my perception.

[@zhicheng708]

Premium credit cards now offers car and travel insurance, but you must pay with that card in full without rewards points.

[@brandib2821]

How can they get access to private records?

[@kaponekherkowitsch6317]

WOW! 300-2500 for a travel insurance? I bought a travel insurance in Germany for a 4 day USA travel and it cost me €20, because i took the super premium offer. This insurances can get as low as €3... And in addition to that I had never to fill out a health questionaire, the only thing not covered are conditions that are worsening while traveling (when you started travelling sick).

[@janetrogers4738]

Would they do the same?

[@mlsaulnier]

Interesting that right beside Bill on the countertop is a whole line of pill bottles. Just a wee observation.

[@EloiseBean]

the man looks like a older version of walter white

[@sahramikana]

I would like to know what were to happen to your insurance coverage if you were to answer mistakenly ''YES'' to a question that should have been ''NO'' according to your medical history. Would they deny the coverage if you had been extra sure?

[@amosjsoma]

Why don't Canadians demand that their government regulate this rip off artists?

[@squallleonhart470]

Where did you get an operation to cost so much? But someone should do a proper investigation of all types of insurances.

[@mahalaleelyahawadah658]

Man! Erica is so beautiful and classy. What a woman!

[@airgunplanet]

*Best insurance is an appointment at the asian massage parlor (the one with the aluminum foil covering the windows).*

[@AmberMcQuaker]

I'll likely never be able to get travel health insurance simply because of health conditions I was born with or the non cancerous brain tumour I developed at age 9 that hasn't been removed. How is this fair?

[@MichaelPetersenprideboy]

Im a us travel agent my travel insurance vendor does not ask health questions.

[@cxa011500]

What's your insurance vendor?

[@kiterway3592]

Great investigative report - BUT what is the best company to buy from? Or is it better to just skip it? Kinda lazy to ONLY report the problem but light to no details on best pratices for travelers. ALMOST seems like whining because of the lack of detail on how / what to do and perhaps WHO / WHAT companies are the most ethical (or least scammy). Thanks anyway.

[@lilyreign650]

from where do you purchase travel insurance?

[@NotShowingOff]

What I don’t get is if you’re traveling for a short period of time, why not just put in all of your medical history regardless? I’m not saying what the insurance company did is correct, but why not just extra-cautious and get the bells and whistles plans?

[@janetrogers4738]

Definitions are confusing and I read front and back and definitions but many people don't

[@GirlyEnglishGamer]

It's as if people are shocked that insurance companies aren't exactly here because they care for us. They are here to make MONEY. Think about it. You sign up on the basis of IF something happens. You pay them on a monthly basis. Just on that basis. Do people think they want something to happen to you so they can give all that money back to you and sometimes more ?! Lol

[@TheWar4all]

why they dont cheak if its valid before the approve ?

[@ibobeko4309]

TheWar4all if they would do it correct and check it, they could not later cancel the Contract, they make their Terms Anti Customer Pro Business Style. They let you pay and then if you have some problems, they say, ohh sorry you made a mistake our contract is invalid you have to pay the full Hospital Bill on your own.

[@TheWar4all]

at least do they refund the money?

[@ibobeko4309]

no

[@exquilzumbravwendrum2790]

How unfortunate

[@hotroddaddy-et4xg]

E.I. is just as bad.. i paid into e.i. for years.i started having seizures they denied my claim,their medical review board(registered nurses) said my neurologist was wrong,the emergency room was wrong .i was a truck driver ,my license was taken because of the seizures..they said they didn't care. that i can do something.i dropped and had a grand mall seizure in the office.a couple days later they called me into e.i. and extended my benefits 2 years,, gave me a written letter of apology.. E.I. is just as bad,you pay for years,you get sick they deny your claim..i had to go on C.P.P. they denied my claim for 2 years,i got a lawyer,,fought me for 2 years in court ,finally won my cpp. but never did get the basic tax credit.epilepsy in canada means loss of all rights,civil and human.

[@cxa011500]

What's E.I. and C.P.P.?

[@miroenriquez5473]

If only theres a law that requires those forms to be as simple as possible.

[@theblondeone8426]

I doubt a health professional wrote the questions...and they must be reviewed before they leave

[@nopcshere6097]

The Traveling Nurse Lawyers for the insurance companies write them, I expect.

[@gazsoimi]

In my country they give a paper, you take to your doctor, he/she fills it, u take back to the insurance compay, and your doctor is responsible for the answers. And as well the travell insurance companies has no right to ask your medical papers from the hospitals, so they not really has way to check it. bud endly, why don't they just ask your doctor wit thoose questions, they will be acurate, and there will be no horror for thoos poor people,.

[@etrnlygr8tful87]

Genaro Ian which country is this?

[@kikin310]

it is obvious they dont want it to be accurate so they can void the contract and keep the money

[@FreckleFinance]

Wow that is like American health insurance!

[@roroflowazoro]

Take that medical file shit to your doctor there fill that it out

[@etrnlygr8tful87]

Rory McCabe Do doctors have that time to sit with you & go through the 50 questions you have to answer? It'll be easier to have get a copy of your medical file and use that as a reference...but asking a copy of your file costs $$$.

[@slammy333]

etrnlygr8tful what is this world coming to... you have to pay to live... money kills

[@etrnlygr8tful87]

TheSlammy333 Yeah unfortunately, we no longer exist to live. but rather we exist to survive. If you don't have money, you seemed "disposable" to other....sad.

[@slammy333]

etrnlygr8tful if only the word "karma" or "grateful" or "nice" means something to everybody. the most you can do is help out. after all it costs 0$ to be a nice person

[@slammy333]

this doesnt mean that everybody is uncompassionate and greedy though

[@TheHaibao123]

9:46 "CARP Approved" how ironic

[@blinknfall]

TheHaibao123 good eye!!

[@kiterway3592]

Yes very good eye indeed!

[@RedWhirlWind]

why don’t ppl just take those forms to their family doc? to make sure everything is accounted for and stacked up properly EDIT: And a lawyer I guess lol, yeah this is a scam, just say yes for all or avoid going to see a medical professional for 12 mo prior to travel time

[@empirecases4128]

Insurance companies should be required by LAW to check the medical records prior to selling the insurance, they bloody well know that by not checking it they will very rarely have to pay out a dollar.

[@FrozenFireFreezingSteam]

Think you already know this, but lawyers are a holes.

[@elenitamoraleda2548]

The quality of service this travel insurance provided was poor and delayed. Caveat emptor.

[@jakeianmartinez9902]

this is why I will not buy Canadian travel insurance go to the USA yes more money but way worth it

[@michaelyun2407]

Never purchase any travel insurance. Work have travel insurance for us. Beside most of the time is just a cold for me when I travel. Unless you have some conditions travel insurance is just a waste of money.

[@centripetal25]

CBC, we have to cook.

[@1398go]

Are you allowed to hire a lawyer during your application process?

[@neverendingchan7878]

Scott stanley?

[@adamguymon7096]

Your own health insurance and/or the Universal health insurance should cover you because your a citizen and because of that it should be your right to be covered.

[@MrMatt-cm6do]

Good point Adam!! Hopefully this will soon come to be!

[@triniverybeautiful2214]

Don't travel unless you have to

[@cathielee8450]

Just not going to travel and go to the local lakes and beaches and pack a picnic lunch

[@empirecases4128]

I wish Market Place would have spoken to me, I could have given them a story of a corrupt large insurance that insures a lot of Government employees and companies that screwed me, put my life at risk and ruined my life. Crooks in suits.

[@TsukiNaito1]

"$300,000 in medical bills. Hard to imagine." Americans: 😭😭😭😭😭😭😭

[@janetrogers4738]

Can they file for bankruptcy??

[@zxnod]

Dam insurance

[@bokings9448]

hey just stay home that will fix it

[@justanotherkid5273]

Boycott and do class action!

[@marks6663]

His gastro history has no bearing on his heart attack. I could see if he had an existing heart condition. But they used a minor gastro issue to deny him money for his heart attack. THAT is slimy.

[@steventemple887]

i have long held the view that the insurance industry is a branch of organized crime. free market capitalism is completely unable and massively unwilling to deal with the situation (m-o-n-e-y). which is why in my old age (71) i more and more consider myself a socialist (social democrat). government oversight and regulation is our only hope.

[@TedBackus]

if your country had a real insurance protection for its citizens , you wouldnt need travel insurance. canadian health care is a joke . so much so, that canadians need to buy coverage whenever they leave their country, because other countries even 3rd world ones, have better plans than they do.

[@ronaldmiles867]

Agree Here 2000%. As a Canadian the Feds and Provincial Gov's have let us loose to these Insurer Vultures and yet claim to have a tremendous health system and even tho the last time i looked the Canada Health Insurance Act says the insurance is suppose to be WorldWide. The Least the Feds owe us is some legislation and regulations to protect and treat Us fairly and have an Ombudsman office that can make things right.

[@NymphetaminexXxGrrrl]

So what happens to this 80 something year old man in a retirement home being billed hundreds of thousands of dollars!? If he cant pay it do they kick him out of the home? Stop feeding him? Go after his daughter and sue his children for their money? Throw him in jail!? I'm serious, what happens when people straight up cant and won't pay the bill.. What happens to them?

[@tekksavvy2242]

!

[@gymkhanadog]

Traveler's insurance? Who ever heard such a bizarre thing.

[@triniverybeautiful2214]

Scammers

[@PatrickBaptist]

6:51 You can tell they are being dishonest, look you people LIED on your questionnaire you knew you had gut bleeding and lied about it. Marketplace seems to not be fair at all, I hate insurance and all that but come on, if you are going to lie to them they should have the right not to pay out on you, you basically tried to defraud them.

[@natyspaghettighetti6726]

how can you "try" to defraud them, its not like he could pull the heart attack out on queue..

[@roroflowazoro]

Dafuq is travel insurance unless I'm going to parts of Africa ,North Korea ,southamerica,Mexico I would not purchase that shit

[@etrnlygr8tful87]

Rory McCabe well if that is you in the picture, you're far from looking like a senior...so it is easy for you to say that. Besides accidents, emergencies happens unexpectedly regardless of where you are & as you age the odds go against you unfortunately.

[@roroflowazoro]

Makes sense

[@RichardsWorld]

One guy said he paid $2,500 for insurance for his vacation. Come on. That is just stupid or people trying to get over on the insurance anyways.

[@AllysonGailBricks]

BAHAHAHA I'm sorry but EVERY TIME I hear this lady introduce herself i feel like she is gonna turn her head slowly to the camera for a PSA BAHAHAHA I am from AMERICA BAHAHAHAHAHAAH

[@Dont370]

I guess Canada's healthcare system is not as good as the United States, like they say.

[@joelavery2729]

what?? what the f are you even talking about? this is travel insurance, nothing to do with health care within the country.

[@ltaylor3515]

You're wrong on both accounts. Firstly, the United States has a third tier healthcare system, wherein majority of it's citizens are either uninsured or have inadequate insurance to cover their needs, so when an uninsured person needs urgent care, the state ends up paying for part of what would normally be covered by a comprehensive insurance plan, the rest is passed on to the individual and they end up (usually) in debt, which adversely affects the economy, those with inadequate health insurance pay for services they don't need, only to be denied their claims if the insurance company changes their polices and either never notifies the policy holder, or in the in case of the laws prior to the legislation of the ACA, could drop coverage for any reason, at any time, again, passing on the cost to the individual, possibly resulting in loss of employment/assets or bankruptcy. Secondly, the Universal healthcare system in Canada may have a few hiccups, but it has never bankrupted individuals, or the nation itself. Greed is what drives the economics of healthcare in the USA, in Canada, it is the concept of helping others and providing services to ALL regardless of income.

[@LL1018]

If they know they are unhealthy, then they shouldn't be traveling in the first place. Most insurance companies outlined clearly there is no coverage for pre-existing conditon. If people don't follow the policy and insist buying it, then don't blame on the insurance company when claim denied. To me, these old couples were trying to take advantages of the insurance company and foreign medical treatment to cure their diseases. Just stay home if you are not healthy!

[@kilgoretrout5313]

Sorry, Bill, but you blatantly told "untruths" on your survey. Please, someone, explain to me how the insurance company should be help accountable for hundreds of thousands of dollars because Bill didn't realize his colon was part of his lower GI track??????? Sorry, but this whole culture of businesses being responsible for people's ignorance, blatant retardedness, and the expectation that businesses are responsible for charity is infuriating. These idiots who honestly think "Well, I messed up. therefore it is the responsibility of someone else to pay my way," pisses me off. If you need a handout, then simply ask. Don't blame others because you are too stupid to understand your own anatomy.

[@lilyreign650]

you have to admit, these forms are not easy to fill out for the average person who is not medically knowledgeable. just as legal contracts are hard to understand as well. they purposefully make forms hard to understand with full awareness of what you are signing. even post secondary schooling doesn't prepare you for this legal & medical jargon unless you specialized in these fields specifically.

[@ltaylor3515]

Look up the word convoluted. You should find your answers there.