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Posted date : Nov 7, 2017

I am travelling to the U.S. in August with my truck and travel trailer and vacationing for three weeks in different states. I am planning on being in Tennessee at the end of the three weeks and then storing the truck and trailer for the winter and flying back to Canada. I am planning to […]

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. […]

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, 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.? Do Medipac and other carriers typically check NIDUS? If […]

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, There appears a clause in medical travel insurance policies, including Medipac, which states the following: EMERGENCY SERVICES EXCLUDED FROM COVERAGE “ …services relating to an illness or injury which caused the emergency, after such emergency ends.” Does this mean that one should go home after having received emergency medical care? I had […]

Posted date : Nov 7, 2017

Dear Bird Talk, Just wondering if CSA or others have done any investigation of U.S. property insurance? We were given an initial quote for a new home in Arizona, only to have that quote revised upwards by 50% as soon as they found out that we were Canadian. The second company which we approached quoted […]

Posted date : Nov 7, 2017

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. On one hand, we can now be out of province for seven months, but […]

Posted date : Nov 7, 2017

Dear Bird Talk, 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. They use this highly discriminatory question to deny coverage and to deny claims. Shame on everyone at CSA for endorsing a company with such overtly discriminatory practices. […]