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05-09-2015, 03:33 PM
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#1
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3 Rivet Member
2015 28' Flying Cloud
Charlottesville
, Virginia
Join Date: Dec 2007
Posts: 115
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Medical Emergency Insurance
We are going on our first Airstream Caravan this summer. Part of the trip will be spent in Canada. We have medicare and Anthem as supplemental insurance but we believe that we need more coverage than these two when we are outside of the United States. We are looking for advice on what company we should consider purchasing medical emergency insurance from while we are in Canada. Any help that you can provide will be greatly appreciated.
__________________
Bald Eagle
28 Ft. Flying Cloud
2015 GMC Diesel
Charlottesville, VA
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05-09-2015, 04:22 PM
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#2
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Rivet Master
2011 25' FB Flying Cloud
Anywhere &
, Everywhere
Join Date: Aug 2006
Posts: 1,090
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Have been to Canada many times and have never bought any extra insurance - in fact I never even thought about it. Doubt anyone else has either. Doubt there is any such insurance available but guess I could be wrong about that.
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05-09-2015, 04:55 PM
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#3
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Rivet Master
2007 Interstate
Normal
, Illinois
Join Date: Jan 2009
Posts: 18,089
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My health insurance will reimburse for covered expenses which occur out of country, and that may be the case for yours.
I think the big expense would be a medical transport home, in the case of something catastrophic. Like a stroke, head injury, etc., that would require longterm aftercare that you wouldn't want to stay in another country for.
Might talk with your insurance company and see what they say.
We have been to Canada and didn't purchase any additional insurance.
Maggie
__________________
🏡 🚐 Cherish and appreciate those you love. This moment could be your last.🌹🐚
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05-09-2015, 05:52 PM
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#4
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Rivet Master
Southwestern
, Ohio
Join Date: Nov 2006
Posts: 1,671
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Quote:
Originally Posted by Ed Brownfield
We are going on our first Airstream Caravan this summer. Part of the trip will be spent in Canada. We have medicare and Anthem as supplemental insurance but we believe that we need more coverage than these two when we are outside of the United States. We are looking for advice on what company we should consider purchasing medical emergency insurance from while we are in Canada. Any help that you can provide will be greatly appreciated.
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A few years ago my wife and I were in the ER in Banff, Alberta with a possible heart attack. (Incidentally, we have absolutely nothing but good things to say about the staff there. And it turned out not to be a heart attack.)
In any case the hospital preferred direct pay for the ER visit (cash, check, or credit card) but they said our insurance would reimburse us, which they did. And, if my wife had to be admitted, the hospital said they would work out reimbursement by the insurance company. We have Humana Medicare Advantage, although I'm not sure that's what we had then. Check your insurance policy or give them a call.
What we do have is Skymed medical evacuation insurance, which will pay to fly you home and take care of your RV, pets, and other family members as needed. Emergency Travel Evacuation Medevac Membership Insurance | SkyMed
'Tain't cheap, but worth its weight in gold if you need it. We know people who have used it.
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05-09-2015, 06:04 PM
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#5
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Rivet Master
2006 23' Safari SE
Biloxi
, Mississippi
Join Date: Nov 2011
Posts: 8,278
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Fortunetly I have Tricare Prime but use TravelGuard when traveling outside of the country.
__________________
MICHAEL
Do you know what a learning experience is? A learning experience is one of those things that says "You know that thing that you just did? Don't do that."
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05-09-2015, 06:17 PM
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#6
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Rivet Master
2016 25' Flying Cloud
Venice
, Florida
Join Date: Apr 2015
Posts: 1,024
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Being a Florida resident, I've met many north of the border snow birds. While in the US most purchase a plan to cover their medical needs while here. I'm sure their is a plan that will cover your's while in Canada. Google would be a good place to start.
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05-09-2015, 06:34 PM
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#7
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Rivet Master
2002 19' Bambi
Northwestern Ontario
, - on the backside of the map and just above the big green spot
Join Date: Nov 2003
Posts: 819
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Talk to your insurance company about what they cover - and what they don't cover - medi-vacs to the nearest hospital that can treat you are not cheap - also understand what the consequences of the phrase "pre-existing condition" can mean to you - and think about emergency travel assistance to get you, your spouse and your rig back home in the event you need it.
Jay
__________________
Bambi - 2002 (The Toaster)
Pathfinder - 2009 (The Buggy)
"I'm not young enough to know everything ....."
(Oscar Wilde)
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05-09-2015, 07:25 PM
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#8
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2020 Classic 33
Box Elder
, South Dakota
Join Date: Oct 2013
Posts: 1,731
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Take a look at SkyMed. The advertise in the Blue Beret. You sign up during your trip and then cancel.
__________________
Gary
2020 Classic 33 Twin, 2019 Ram 3500 Longhorn, ProPride
NØVPN
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05-09-2015, 09:40 PM
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#9
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Dazed and Confused
Currently Looking...
1983 31' Airstream310
Hillsburgh
, Ontario
Join Date: Sep 2012
Posts: 3,805
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One thing for sure....you will never have to worry about getting mediical attention anywhere in Canada, or being turned away due to not having enough insurance.....Up here we take care of people first, everything else is a distance second.
I have a relative who married an American who had a heart attack while on a visit to Ottawa and required an immediate operation. At no time did anyone ask him or his Canadian wife about money. They saved his life first.
All we ask is that you don't slam our system of healthcare where the sickest person or children go first and not the wealthiest. It doesn't matter how much money you have, you will have to wait patiently for your turn.
The system you have is the system that works for you, but not us.
As for travel insurance you may find it cheaper to buy Canadian health supplential insurance from CAA while you are up here, as the exchange rate is to your favour by 20%.
https://www.caasco.com/Insurance/Tra...tGroupID=10001
Welcome to Canada and please remember to leave your handguns at home, as they are not permitted in Canada at all.
Cheers
Tony
__________________
Per Mare, Per Terram and may all your campaigns be successful.
“It’s a recession when your neighbor loses his job; it’s a depression when you lose your own.” "Harry S Truman"
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05-10-2015, 03:47 AM
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#10
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Rivet Master
2007 Interstate
Normal
, Illinois
Join Date: Jan 2009
Posts: 18,089
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I just want to say.....anyone showing up in an Emergency Room in the US needing care must be treated, regardless of ability to pay.
People are not turned away from ER's here because of lack of insurance. It is unethical, and I believe illegal.
One of the problems in the US is the uninsured using ER's as primary care physicians, because they can't pay for an office visit.
They know they will get treatmebt at the ER, so that's where they go.
Maggie
__________________
🏡 🚐 Cherish and appreciate those you love. This moment could be your last.🌹🐚
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05-10-2015, 05:33 AM
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#11
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Rivet Master
2007 25' Safari FB SE
2000 30' Excella
1999 30' Excella 1000
Low Country
, South Carolina
Join Date: Feb 2004
Posts: 820
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Take a look at Travel Assist from Good Sam. Lots of benefits.
__________________
StreamNTyme
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05-10-2015, 05:42 AM
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#12
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Rivet Master
2020 28' Flying Cloud
Upper St Clair
, Pennsylvania
Join Date: Aug 2011
Posts: 2,943
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On this subject, sort of. Our friends daughter was in a car accident in the states - Life Flight picked her up and flew her to nearest hospital. $18,500.00 flight. This came under the medical part of their Auto Insurance, not their health insurance (still in discussions) their coverage was the standard $5,000 for medical expenses as our WAS. For a few dollars more per year our medical Auto coverage is now $25,000.00. Their daughter is fine by the way, few broken bones and a totaled car hit by a drunk driver - topic of another discussion.
Enjoy your trip.
Bud
__________________
2020 28' Twin Flying Cloud
2021 F350 6.7 King Ranch
USAF Master Training Instructor (TI) & (MTI)- 68-72
Volunteer K9 Rehabilitator & Trainer
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05-10-2015, 05:36 PM
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#13
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retired USA/USAF
2001 30' Excella
Somerset
, New Jersey
Join Date: Jan 2009
Posts: 2,418
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We just purchased the travel assistance plan through Good Sam. Haven't used it so no remarks yet. In March we were on a Caribbean cruise. While on the ship I had an earache and sought out the ships medical staff. It was all charged to my ship account but when I got home I called Medicare to see about submitting a claim. Ehhhhhh, NO GO. They would only cover if the care was provided within US territorial waters. I'm not sure how far out that goes but we apparently were not in it. Fortunately the charge for the Dr. was nominal and not worth pursuing it farther. The cost for the medication was more of an issue. My prescription plan also denied coverage saying they only would cover medication manufactured in the USA. Those given to me on the ship were all from Great Britan. So I struck out all around. The Chief mentioned above he has Tricare. So do I and I had not thought to submit it to them. Perhaps I will try. Bottom line is for those of us forced into Medicare travel outside of the US may become an issue. Fortunately we have backup coverage.
__________________
Roger in NJ
" Democracy is the worst form of government. Except for all the rest"
Winston Churchill 1948
TAC - NJ 18
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