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A Medical Question for Bird Talk

Posted date : May 14, 2019

On page 9 of the summer 2017 CSANews, in the Bird Talk section, the editor talked about travel insurance and “the regular care and monitoring of a chronic condition.” Having “an incredible battery of tests at a bus in a pharmacy parking lot for $149” sounds great, until a situation requiring out-of-province medical attention arises […]

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Join CSA

Posted date : Dec 12, 2017

The Canadian Snowbird Association is a national not-for-profit advocacy organization dedicated to actively defending and improving the rights and privileges of travelling Canadians.   We need your help! The greater the membership, the more powerful and effective voice we cast against provincial, state and federal governments when lobbying for the rights of all travelling Canadians, […]

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Travel Health Insurance is a Tax Deductible Expense, and more

Posted date : Nov 13, 2017

Dear Bird Talk, As usual, I read CSANews from cover to cover for its valuable information and advice concerning travel and medical insurance during our annual stay in Florida for the winter months. The current issue, however, contains two items of personal opinion, which I feel deserve a response. In your editorial, I was naturally […]

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GHIP Reimbursement

Posted date : Nov 13, 2017

Dear Bird Talk, I know you have received many letters regarding out-of-country medical expenses submitted to OHIP, but I thought your readers might be interested in my experience. On June1, 2005, I underwent coronary bypass surgery. When applying for out-of-country medical coverage for the following winter I took out a policy with Medipac with a […]

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Snowbird Car Insurance

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 […]

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Travel Medical Subrogation

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 […]

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Top-Up Insurance

Posted date : Nov 7, 2017

As a result of a recent medical trauma, I have discovered a disturbing aspect of the use of top-up insurance. In the event of a medical incident occurring late on the last day of primary insurance, it will probably not be covered by the primary insurer if treatment is not sought until the next day. […]

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Getting top-up insurance while out-of-county: is it allowed?

Posted date : Nov 7, 2017

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. They sold us five days’ each. Were we covered if an emergency […]

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Top-ups and Pre-Existing Conditions

Posted date : Nov 7, 2017

Dear Bird Talk, My husband and I spend four months in Florida each winter. I have 62 days’ coverage through my Ontario Teachers Insurance Plan (OTIP) and top it up to 126 days with Medipac. Last winter was the first time in many years I actually had a medical problem while in Florida, but it […]

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Pre-Existing Conditions and Medipac’s Return to Destination Benefit

Posted date : Nov 7, 2017

Dear Bird Talk, We have been members of the CSA for a number of years & use Medipac as our out-of-country medical insurer. My question is, after reading about Don Kannon’s article from Williamstown, ON, in the latest CSA magazine, I am a bit confused about how he was able to return to Texas after […]

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