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02-10-2018, 02:23 PM
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#1
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2011 Georgetown 350TS
Join Date: Mar 2013
Posts: 98
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Health insurance coverage in Canada
Traveling through Canada to Alaska and back this year, looking for Health Insurance coverage. My insurance does not cover me for foreign travel. Ideas ???
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02-10-2018, 02:45 PM
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#2
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Senior Member
Join Date: Dec 2017
Posts: 212
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Are there no options for short term additional insurance while you travel?
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02-10-2018, 02:53 PM
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#3
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Senior Member
Join Date: Jan 2017
Posts: 3,290
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are you sure 'foreign' includes Canada? or does it refer to other countries 'overseas'?
I think it's doubtful that health insurance completely rules out coverage in Canada, though I could see that it might have additional rules and coverage limits since their system of health care is different than ours, and your company may not have an 'leverage' when it comes to pricing... plus, it may also be that the Canadian providers don't want to accept a US company where they have to 'wait' for payment.
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02-10-2018, 03:27 PM
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#4
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2011 Georgetown 350TS
Join Date: Mar 2013
Posts: 98
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I have Medicare and a supplemental ins, does not cover any health visits in Canada
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02-10-2018, 04:11 PM
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#5
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Senior Member
Join Date: Sep 2011
Location: Komoka Ontario
Posts: 2,680
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You will need to purchase out of country health insurance most travel agents handle it as does triple A.
__________________
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2015 Chev 2500HD Highcountry Duramax
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Scottish by birth Canadian by time.
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02-10-2018, 08:18 PM
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#6
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Senior Member
Join Date: Oct 2017
Posts: 126
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Look into travel insurance, many of those policies are not overly expensive, as they only cover catastrophic type things (sudden serious illness, injuries due to collisions, etc).
Canadian medical expenses are considerably less than American ones. DW is American, and when she first moved to Canada after we got married, we didn't have coverage...an emergency room visit with lab tests and antibiotics for a bladder infection cost us around $250.
__________________
2016 Ram Rebel
2018 Coachmen Freedom Express 248RBS
2017 - 16 nights
2018 - 31 nights
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02-11-2018, 01:00 PM
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#7
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Senior Member
Join Date: May 2016
Location: Lexington, SC
Posts: 159
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When we traveled to Alaska last year, had the same issue with Medicare and supplemental. We used Geoblue. Easy, reasonable, you can buy a policy to fit your needs for the time you anticipate being in Canada.
www.geobluetravelinsurance.com
__________________
Dave Hammond
2017 FR Forester 3011 DSF
2013 Keystone Raptor TH
2013 Ford F350 Dually TV
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02-11-2018, 01:43 PM
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#8
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Member
Join Date: Aug 2011
Location: Northern New York
Posts: 47
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I live 15 miles from the Canadian border, and travel there weekly. My Medicare supplement provides me with limited emergency coverage in Canada. My plan is thru AARP.
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02-11-2018, 01:51 PM
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#9
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Member
Join Date: Aug 2011
Location: Northern New York
Posts: 47
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Medigap plans as noted in the attachment will cover 80% after $250 deductible.
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02-11-2018, 04:11 PM
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#10
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Member
Join Date: Mar 2015
Posts: 94
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Quote:
Originally Posted by Leismom
Traveling through Canada to Alaska and back this year, looking for Health Insurance coverage. My insurance does not cover me for foreign travel. Ideas ???
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Our insurance agent suggested www.imglobal.com when I asked about coverage for our trip through Canada to Alaska. Pricing seems good.
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02-11-2018, 04:17 PM
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#11
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Senior Member
Join Date: Jan 2017
Posts: 3,290
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right, most insurance clauses state that coverage applies out-of-country when 'emergency' needs arise, but not for 'normal' doctor's visits, etc. Of course, I would think that your real concern is for an emergency, so you should already be covered.
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02-14-2018, 06:08 PM
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#12
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Senior Member
Join Date: Jul 2009
Location: Warsaw,NC
Posts: 7,184
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I think if it’s a direct route from Alaska to the states you are covered under Medicare for emergency care. My TriCare for Life covers me anyway
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02-14-2018, 06:19 PM
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#13
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Member
Join Date: Mar 2015
Posts: 94
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Quote:
Originally Posted by spock123
I think if it’s a direct route from Alaska to the states you are covered under Medicare for emergency care. My TriCare for Life covers me anyway
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As far as I know, Medicare would only cover us IF we had a medical emergence while close to the border and needed hospitalization and the closest hospital is in Canada. Different Medicare Advantage policies or other private insurance may cover medical problems. I specifically asked my provider and was told my policy would not cover me in the event of a health emergency while I’m in Canada.
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