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Bird Talk » Insurance

Insurance

Primary residence

Posted date : May 14, 2019.

OHIP now requires you to attest that Canada is your principal residence. We spend seven months in the U.S. and five months in Ontario. Given these circumstances, can we still maintain OHIP? Arthur Wenk Brechin, ON Response : Ed.: The CSA has lobbied and received approval in Ontario and many other provinces (through regulation changes) […]

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Cruise question

Posted date : May 14, 2019.

We flew from Toronto to Honolulu to board a Holland America cruise ship on the same day. Thirty-three days later, we arrived in Auckland, NZ. We flew back to Toronto via a San Francisco connection. How many of these days are considered being in the U.S. against our 182-day U.S. allotment. Does it make a […]

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Travel Insurance

Posted date : May 14, 2019.

My husband and I had just nicely arrived in Florida to our winter home when Peter became very ill very quickly. Medipac arranged everything, from hospital care in Florida to flying us home, and also contacted our doctor here to arrange care after we got home. After being home in Ontario for seven weeks, Medipac […]

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182-day limit

Posted date : May 13, 2019.

My husband and I bought a home in St. Petersburg in 2014 and now drive there each fall and home in the spring. My question is, if we drive to Florida and spend three nights on the road each fall and three nights on the road coming home in the spring, do those nights on […]

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Medicare and Mobility Rights

Posted date : Nov 13, 2017.

Dear Bird Talk, Now that the “new” government is in place, I trust that the CSA will lobby strongly to have the provisions requiring a Canadian to spend six months in his home province to qualify for Medicare coverage. Current rules are a form of discrimination and a sort of two tier medicine. Canadians who […]

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U.S. auto insurance

Posted date : Nov 7, 2017.

We own a home in Arizona and have two vehicles registered and insured there. We have always maintained full insurance on the vehicles, even if we don’t use them for six months. I am assuming that there is a way to put them in “storage” status and save $$ on insurance. What do other people […]

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Annual Add-on for Canadian travel

Posted date : Nov 7, 2017.

In the spring, 2017 CSANews Issue 102, I questioned if any travel health insurance company covered travel in Canada at a reasonable rate. You responded that “the Medipac Annual plan covers unlimited 23-day trips anywhere in the world and also covers you for up to six months in Canada when outside your province of residence.” […]

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Fatty liver

Posted date : Nov 7, 2017.

I enjoy your Bird Talk letters and responses. What makes it so great is that, as snowbirds, we all have a lot in common and we share our experiences through your efforts. My concern is health insurance (a favourite topic among seniors). Within the last year or so, on two occasions acquaintances of ours were […]

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Travel insurance and income tax

Posted date : Nov 7, 2017.

My wife and I have travelled to Hilton Head, S.C. for the past two winters for three months each time. My question is, can we claim our travel insurance on our taxes? Murray Antram Mississauga, ON Response: Ed.: Yes! The Canadian Snowbird Association was instrumental in having travel medical insurance premiums deductible for tax purposes, […]

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Exceeding 182 days for medical reasons

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 […]

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