Bird Talk / Insurance


Bird talk - Le Jaseur
 



U.S. auto insurance
Posted date : Sep 11, 2017.
We own a home in Arizona and have two vehicles registered and insured there. We have always maintained full insurance on the vehicles.....   Read more...

Annual Add-on for Canadian travel
Posted date : Sep 11, 2017.
In the spring, 2017 CSANews Issue 102, I questioned if any travel health insurance company covered travel in Canada at a reasonable rate.   Read more...

Fatty liver
Posted date : Jun 15, 2017.
My concern is health insurance (a favourite topic among seniors). Within the last year or so, on two occasions acquaintances of ours were denied health coverage because of a "fatty liver" condition.   Read more...

Travel insurance and income tax
Posted date : Jun 14, 2017.
My wife and I have travelled to Hilton Head, S.C. for the past two winters for three months each time.   Read more...

Exceeding 182 days for medical reasons
Posted date : Mar 15, 2017.
Similar to many other Canadian Snowbirds, my wife and I spend 179-180 days in the U.S. every winter, saving 2 or 3 days in case something unforeseen should happen, so as not to exceed the 182 days allowed by the B2 visa.   Read more...

Quebec Six Months or Seven?
Posted date : Mar 14, 2017.
In a previous bird talk forum, it was mentioned that P.E.I. is the only province that doesn't allow seven months' absence to retain their health plan.   Read more...

Travel Health Insurance for Travel in Canada
Posted date : Mar 14, 2017.
Does any travel health insurance company offer a policy for travel exclusively in Canada?   Read more...

Snowbird Car Insurance
Posted date : Dec 12, 2016.
After reading about the 180-day maximum vehicle insurance coverage period when in the U.S. in the last CSA News issue, I also contacted my Certas/State Farm agent, who was unaware of the 180-day limit but was subsequently advised by HQ that this is indeed (and has been) an annual maximum.   Read more...

Vehicle Insurance
Posted date : Sep 28, 2016.
I suggest that any snowbird with this coverage immediately check with their agent.   Read more...

Truck and Travel Trailer
Posted date : Sep 28, 2016.
Can you give me some direction on how/where I should register the truck and trailer and maybe an insurance company that can provide me with insurance for this type of situation??   Read more...

Travel Medical Subrogation
Posted date : Jul 20, 2016.
The insurance company then went after their in-province insurance company for a good portion of the claim.   Read more...

Top-Up Insurance
Posted date : Jul 15, 2016.
As a result of a recent medical trauma, I have discovered a disturbing aspect of the use of top-up insurance.   Read more...

OHIP coverage in Ontario: out of province restrictions
Posted date : Sep 29, 2015.
How many days can a resident of Ontario be out of the province before losing OHIP coverage?   Read more...

OHIP requesting detailed statements
Posted date : Sep 29, 2015.
This past winter in Florida, I went to a walk-in clinic and paid cash for the visit. The doctor sent me to the nearby hospital for an ultrasound of my leg and, again, I paid them cash. After arriving back in Ontario, I mailed my receipts to the London OHIP office.   Read more...

Higher premium for those with change in medication
Posted date : Jun 16, 2015.
Why do insurance companies that provide outside-of-Canada health insurance have you pay a higher premium for health insurance if you have a change in medication, with higher or lower dose, and you are deemed unstable for 180 days and you are not covered for this ailment?   Read more...

Returning to Canada for short time
Posted date : Jun 16, 2015.
I was told that if you have coverage (we have six-month coverage Nov-Apr) and we go back to Canada for Christmas, that coverage is void and we have to reapply for more coverage when we go back to Arizona?   Read more...

Do insurance providers check with NIDUS registry?
Posted date : Jun 16, 2015.
My husband and I have completed Representation Agreements in lieu of Advance Directives. We plan to register these with Nidus. What steps can we take to ensure that our representative is involved when we are out of province and, particularly, in the U.S.?   Read more...

Insurance options for retired government employees
Posted date : Jan 09, 2015.
I am a retired federal employee spending each winter in Florida. I have medical coverage under the Public Service Health Care Plan for up to 40 days outside of Canada.   Read more...

Need to expose bad insurance companies
Posted date : Jan 09, 2015.
I think you are doing a grave disservice to your Canadian readers for not letting them know which insurance company refused to pay for the hospital that treated the little girl in Mexico.   Read more...

Provincial Health Care Coverage
Posted date : Oct 14, 2014.
Provinces should be happy to extend the number of days of out-of-country health-care coverage...   Read more...

Recurrence clause clarification
Posted date : Aug 06, 2014.
Does this mean that one should go home after having received emergency medical care?   Read more...

Unacceptable Business Practices
Posted date : May 12, 2014.
On reviewing the confirmation letter from them, I found that a sum of more than $400 had been added for trip cancellation insurance, which represents 25% of the total cost, or 33% of the health insurance component.   Read more...

U.S. property insurance
Posted date : May 12, 2014.
Just wondering if CSA or others have done any investigation of U.S. property insurance?   Read more...

It’s fine to own a home and car with U.S. insurance and plates in Florida
Posted date : Jan 07, 2014.
Dear Bird Talk, Will owning a home in Florida along with a car with U.S. insurance and plates affect the status of being a Canadian snowbird (thinking of purchasing and leaving auto in Florida)? Thanking you in advance for your comments.   Read more...

25% surcharge for RV insurance: nationwide or just the wrong company?
Posted date : Jan 07, 2014.
Dear Bird Talk, We just renewed our RV insurance and were told we would have to pay a surcharge of 25% because we would be in the U.S. for more than 120 days and more than 200 miles from our border.   Read more...

92-year old father-in-law doesn’t want to buy travel insurance
Posted date : Jan 07, 2014.
Dear Bird Talk, We have my wife’s 92-year-old father living with us and he wants to come to Florida with us, but will not get any insurance. What do you advise us to do? We don't want to be liable if anything happens.   Read more...

Getting top-up insurance while out-of-county: is it allowed?
Posted date : Jan 07, 2014.
Dear Bird Talk, In response to your letter from Len Stoll, Ottawa, re top-up insurance. My husband and I wanted an extra five days in April 2011 and I called the insurance company we were with that year and there was no problem.   Read more...

Medipac Travel Insurance - Happy Customers
Posted date : Oct 10, 2013.
We had just begun our return to Canada from a five-month stay in south Texas and chose to stop for our first night at Shreveport/Bossier City, Louisiana. About midnight, my husband Steve awoke with chest pain...   Read more...

Aneurysm Size and Medipac Coverage
Posted date : Oct 10, 2013.
Medipac has now increased its aneurysm size to 4.6 cm for coverage. My cardiovascular surgeon and, apparently, most surgeons will not operate until it's 5.5 cm, which seems to be the norm for corrective surgery.   Read more...

Medipac Application Questions
Posted date : Jul 29, 2013.
I will never endorse CSA as long as they endorse discriminatory insurer, Medipac. The first question on the Medipac application involves HIV, ARC and AIDS.   Read more...

You get what you pay for
Posted date : Jul 29, 2013.
I just want to impress upon everyone how important it is to have good insurance before entering the U.S.   Read more...

Thank you Medipac!
Posted date : Jul 29, 2013.
This past winter, I had the misfortune of contracting GBS (Guillain-Barre syndrome). I, like many others, had never heard of this debilitating autoimmune disorder. If you want a scary read, Google it on the Internet. With the accompanying pain and lack of sleep due to the pain, I ended up in the ER four nights in a row, and on each occasion, the doctors were unable to correctly diagnose this medical problem.   Read more...

Calls to 911
Posted date : May 01, 2013.
As a Medipac Insurance customer, I am just wondering something. If I have to make a 911 call and all of the first responders (i.e. police, ambulance, fire department, dog catcher, etc.) react, how much coverage do I have through Medipac for their services.   Read more...

Top-ups and Pre-Existing Conditions
Posted date : Jan 10, 2013.
What would happen in the scenario that I or my husband became ill/had an accident, a day or two before my coverage with OTIP expired. Would this medical condition then be considered a "pre-existing condition" for my Medipac coverage starting the following day and leave me with no medical coverage for this condition if needed?   Read more...

Medipac Travel Insurance - Happy Customers
Posted date : Jan 10, 2013.
As a last resort, I contacted you and was encouraged with our reception and info received. It was a pleasure to have dealt with you and your company. I will not hesitate to recommend you to anyone who is interested.   Read more...

Pre-Existing Conditions and Medipac's Return to Destination Benefit
Posted date : Jan 10, 2013.
I was under the impression that one needed to be stable for 90 days to be fully insured. Could you give me a bit more information on this particular issue please?   Read more...

Tax Deductions for Travel Medical Insurance
Posted date : Jan 10, 2013.
Snowbirds allowed to deduct their annual premiums for out-of-province coverage.   Read more...

Medipac provides automatic extensions of coverage for FREE!!
Posted date : Jul 05, 2012.
My husband and I spent four months last winter in florida, with 62 days of insurance from my retired teachers of Ontario plan, then topping up with Medipac. we arrived back in canada on april 2 and our Medipac insurance expired on april 3. if we had been in a serious accident before we crossed the border and were both unconscious.....   Read more...

Visit-USA Act - Canadian health coverage
Posted date : Jul 05, 2012.
Visit-USA Act - I was wondering what the effect will be on Canadian health coverage for Canadians who would be out of Canada for more than 183 days.   Read more...

Canada Health Act - Provincial health insurance plans
Posted date : May 05, 2012.
I believe the provincial health insurance plans should be prepared to provide cost protection for medical services outside the home province up to what is assessed as the cost to provide the service within the province.   Read more...

Having your auto in the U.S. for six months
Posted date : Dec 02, 2011.
Some readers have written saying that having your auto in the U.S. for six months is not a problem under your auto insurance...   Read more...

"Balance billing" - the foul practices involved
Posted date : Dec 02, 2011.
We were involved in a rather unfortunate car accident on December 31, 2010 at KeyWest, FL, but we can confirm that we were “taken care of immediately and professionally” as one of your Bird Talk readers reported....   Read more...

Travel Medical Insurance for Visitors to Canada
Posted date : Dec 02, 2011.
We have recently had our niece and her family visit us here in B.C., from Colorado. I was interested in what travel medical coverage cost them and how it compares to Medipac.   Read more...

Car Insurance Limits in the USA
Posted date : Sep 02, 2011.
Dear Bird Talk, I read with interest the article in Bird Talk regarding car insurance and was petrified that I probably was driving in the U.S. potentially without insurance.   Read more...

Problems With Insurance Claims
Posted date : Sep 02, 2011.
Dear Bird Talk, We are 11-year snowbirds to Florida. Last winter, we changed our emergency travel insurance to [name of insurance company omitted]. By coincidence, last year we needed that insurance badly. My wife was admitted to the hospital in serious condition with severe nosebleeds.   Read more...

Airfare Refunds with TD Visa
Posted date : Sep 02, 2011.
Dear Bird Talk, I wish to advise you of a situation that I encountered this past April. My husband had to be flown home to Toronto from Florida by air ambulance because of a recent illness.   Read more...

Special Car Insurance Needed for Snowbirds
Posted date : Jul 08, 2011.
I have been following up with The Co-operators since the article in the winter magazine. They have been giving confusing information until finally, a policy was issued in late April. If anyone has a vehicle outside of your home province for more than 59 days, they will not be insured unless they pay an extra premium from day one.   Read more...

Liability Insurance
Posted date : May 06, 2011.
Dear Bird Talk, We just bought a trailer/lanai in a park in Florida. We realize that home insurance is outrageous (if you can even get coverage), BUT shouldn't we have liability coverage?   Read more...

A Horror Story Averted!
Posted date : May 06, 2011.
Dear Bird Talk, Ross Quigley's article in the summer 2010 edition of CSANews ("Let me first say that Medipac is fine!") hit the nail on the head. I suspect that our personal case illustrates the need very clearly.   Read more...

Are You Insured While In Florida For Six Months?
Posted date : Dec 06, 2010.
Dear Bird Talk: ARE YOU INSURED WHILE IN FLORIDA FOR SIX MONTHS? You can imagine my surprise when I walked into the local Co-Operators office to pick up my pink slip for proof of insurance, as I was leaving for Florida before my actual renewal date.   Read more...

Joint Tenancy With Right of Survivorship
Posted date : Jul 20, 2010.
Dear Bird Talk, Re: Joint tenancy with right of survivorship My wife and I purchased a condo in Florida approximately 20 years ago. The deed indicated that both of us are "grantees" (purchasers) and also specifies that we are husband and wife.   Read more...

Canadian Wines and Wineries
Posted date : Jul 20, 2010.
Dear Bird Talk, As I was reading your magazine from Spring 2010, Issue 74, I came across the Food and Drink section. I was so interested in the article about nut varieties, as it suggested that you have a glass of wine with these appetizers.   Read more...

Medipac Staff
Posted date : Dec 12, 2009.
Dear Bird Talk, We are writing to express our sincere thanks for the excellent service that we received from Medipac employees. Each person with whom we spoke, to seek assistance, was efficient and knowledgeable about the Medipac insurance.   Read more...

Home Insurance
Posted date : Dec 12, 2009.
Dear Bird Talk, Our insurance company requires that the house be checked every two days in order that we are covered. Are there any companies out there that do this for a small fee or is it better to hire someone yourself?   Read more...

Insurance Premium and Heart Conditions
Posted date : Dec 23, 2008.
Dear Bird Talk, My wife was diagnosed with a "heart block" – a condition that limited blood flow somewhat, and which required the use of a pacemaker. After spending 6 hours in the hospital, we left for home with her new pacemaker humming away nicely.   Read more...

Traveling with a Pre-Existing Condition
Posted date : Sep 19, 2008.
Dear Bird Talk, My wife and I just retired this year and unfortunately shortly afterwards, she was diagnosed with breast cancer. It was successfully removed and there was no further spread of the disease.   Read more...

Florida Driver's Licence and Insurance
Posted date : Sep 19, 2008.
Dear Bird Talk, I read with interest the letters of my snowbird colleagues and would like to offer my experience and opinion.   Read more...

Boat Insurance and a Driver's Licence?
Posted date : Sep 19, 2008.
Dear Bird Talk, A few years ago, I surrendered my U.S. driver’s licence for a Canadian driver’s licence. Last spring (2008), when I renewed my BOAT insurance, my insurance company called to say that they noted I had changed my car driver’s licence from U.S. to Canada so unfortunately, my BOAT insurance would increase by $340.00 per year.   Read more...

Car Insurance in the U.S.
Posted date : Jul 22, 2008.
Dear Bird Talk, I thought this info might be of some interest to other snowbirds who might be contemplating purchasing a car in the U.S.   Read more...

Strong Dollar, High Premiums?
Posted date : May 24, 2008.
Dear Bird Talk: I was interested in reading your Editor’s Message in the winter issue of CSANews (issue 65). There is no doubt that the Canadian dollar is buying much more than it did in even the recent past. All snowbirds hope that the rates of exchange stay where they are for many years to come.   Read more...

Medical Coverage for Retired Civil Servants
Posted date : May 22, 2008.
Dear Bird Talk, I would like to take this opportunity to speak to the letter from R.W. McClure in the summer issue of CSANews regarding the medical coverage offered to retired civil servants, military and RCMP.   Read more...

Excellent Customer Service
Posted date : Oct 17, 2007.
Dear Bird Talk, I have been talking with Sonia, who was a great pleasure to deal with. She sets a high standard for her colleagues. Because of her I will deal with Medipac again.   Read more...

Thanks Medipac!
Posted date : Oct 17, 2007.
Dear Bird Talk, I just wanted to enclose with the application our heartfelt thanks for Medipac’s wonderful response to our emergency medical requirements last winter.   Read more...

Rental Car Insurance Coverage
Posted date : Aug 07, 2007.
Dear Bird Talk, We are two of 2,000 in Westwind R.V. Park and many more thousands in 30 other parks in Yuma. We are now aware of a special insurance problem for Canadians and their vehicle insurance. We hope this information will help many others.   Read more...

Federal Superannuates Travel Insurance
Posted date : Jun 01, 2007.
Dear Bird Talk, I enjoy very much reading CSANews as I find it offers new perspectives for senior Canadians. In April 2006 retired federal public servants had their coverage for foreign travel health benefits increased from $100,000.00 to $500,000.00 for a continuous forty day period.   Read more...

When to Call
Posted date : May 30, 2007.
Dear Bird Talk, I am concerned about Medipac travel insurance. The policy on page 2 states as follows:   Read more...

Thanks Medipac!
Posted date : May 28, 2007.
Dear Bird Talk, I am 85 years old and have taken health insurance every year going south for the past 15 years. I often wondered what would happen if I needed help.   Read more...

Pro-Rate Clause
Posted date : May 28, 2007.
Dear Bird Talk: Re: the "Pro-Rate Clause" I am compelled to write regarding the "angry letter" received by an "unhappy client".   Read more...

Medical Conditions - Know Them of All
Posted date : May 25, 2007.
Dear Bird Talk, This is in response to the member who wrote a letter in the summer edition regarding an Insurance Company that had a clause in its policy stating that the patient should know of all medical conditions he or she might have, and therefore he was not covered by insurance.   Read more...

Competitive Prices
Posted date : May 20, 2007.
Dear Bird Talk, I think it is great that the CSA supports the Medipac Insurance program and vice/versa.   Read more...

Travel within Canada
Posted date : May 17, 2007.
Dear Bird Talk, My wife and I are members of CSA and I have my Travel Emergency Insurance with Medipac for U.S. travel (5 months).   Read more...

Hospital Bills - Negotiate Them!
Posted date : May 10, 2007.
Dear Bird Talk, My husband and I spend winters in Hemet, CA, and both of us have had to have medical attention there, at our own expense.   Read more...

Travel Insurance Rates: "It's Just Not Fair"
Posted date : Apr 25, 2007.
Dear Bird Talk, Thank you very much for listening to my "It's Just Not Fair" complaint about Medipac rates concerning former Aneurysm patients.   Read more...

Fedreal Superannuate Surcharge
Posted date : Apr 20, 2007.
It is Not Fair that Federal Government employees must pay a $40.00 penalty...   Read more...

Early Bird Plan Timing
Posted date : Apr 20, 2007.
Dear Bird Talk, We are one of the couples who purchase extra insurance for our winter trip south.   Read more...

Medipac
Posted date : Apr 20, 2007.
Dear Mr. Quigley, I do not have any suggestions to improve Medipac. I am quite happy with the way it is working and the service it provides...I am a firm believer in insurance.   Read more...

Travel Insurance Rates and the US Dollar
Posted date : Apr 20, 2007.
Dear Bird Talk, I hope that the 2003/2004 rates are going to reflect the increase in the Canadian dollar against the US$.   Read more...

Travel Insurance for Non-US Destinations
Posted date : Apr 12, 2007.
Dear Bird Talk, I was really pleased to see "Cuba a new option for seniors" which will now permit me to enjoy winter sun, provided I can get travel health insurance which I can afford.   Read more...

Auto Insurance: How Much is Enough?
Posted date : Apr 03, 2007.
Dear Bird Talk, When renewing my automobile insurance, the agent recommended that anyone travelling south should carry five million dollars of liability coverage.   Read more...

Beware of OHIP Coverage when Travelling
Posted date : Mar 09, 2007.
Dear Bird Talk: I hope you will consider alerting other snowbirds to a terrible experience we had down south this winter.   Read more...

Thank You Medipac
Posted date : Mar 06, 2007.
Dear Sir: For the past 16 years I have spent my winter in Florida, and last year 1999-2000, I was covered with your insurance carrier (Medipac Travel Medical Insurance).   Read more...

Read Your Policy
Posted date : Mar 03, 2007.
Dear Bird Talk, I appreciate the opportunity to alert your readers to the unfortunate experience I encountered with an insurance company named Pure Insure with offices in Toronto and Vancouver.   Read more...

Rate Category
Posted date : Mar 03, 2007.
Dear Bird Talk, I have been a member of CSA for many years and have been insured by Medipac without claim.   Read more...

Medical Evacuation
Posted date : Mar 01, 2007.
Dear Bird Talk, I feel the following letter would be helpful to all snowbirds if it were printed in the CSA News. It might keep them from making the same mistakes as we did.   Read more...