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Posted date : Nov 7, 2017

Dear Bird Talk, 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. Since Canadian and U.S. border services now share or will […]

Posted date : Nov 7, 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. In checking online with the Quebec Health Plan, I see nothing that says that and it appears they are saying six months. I know this seems true as I […]

Posted date : Nov 7, 2017

Does any travel health insurance company offer a policy for travel exclusively in Canada? If not, why not? It should be relatively inexpensive and cover those situations that your home province does not cover. Can you advocate on our behalf? Victor Wall Lac du Bonnet, MB Response: Ed: The Medipac Annual plan covers unlimited 23-day […]

Posted date : Nov 7, 2017

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. He claims that this is […]

Posted date : Nov 7, 2017

I recently read an article where a Canadian couple had to make a significant claim on their travel insurance. The insurance company then went after their in-province insurance company for a good portion of the claim. This reduced the total life claim available from the person’s normal health insurance. If the travel and health insurance […]

Posted date : Nov 7, 2017

Dear Bird Talk, 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. They […]

Posted date : Nov 7, 2017

Dear Bird Talk, I have a question that hopefully, you can answer. 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 […]

Posted date : Nov 7, 2017

Dear Bird Talk, 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? Nikki D. Edmonton, AB Response: Ed.: You must be very careful about this. […]

Posted date : Nov 7, 2017

Dear Bird Talk, 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. To extend this, I fly back and forth to Ontario every few weeks to keep renewing the 40-day coverage, a rather expensive […]

Posted date : Nov 7, 2017

Dear Bird Talk, In a previous answer, you stated that provinces should be happy to extend the number of days of out-of-country health-care coverage as this will reduce their health-care costs? Would you explain? Nancy McRae Charlottetown, PE Response: Ed: Every emergency operation and every doctor’s visit that happens outside of Canada is a medical […]