What is the consensus? Do Canadians get Blue Cross coverage when going to Disney? Are there alternatives? What are the costs?
Do you belong to CAA? ; If you don't have coverage thru work, then I recommend either them or thru you bank/credit union. But don't leave home without it!
My company's preferred supplier is Manulife, and I always do up a quote with plan descriptions for folks to contrast/ compare what you might have with work plans, credit card plans, etc. - Manulife's is pretty comprehensive, and their AI has emergency med, trip interruption, trip cancellation, lost baggage, etc. with pretty high coverage amounts - they even a "change of mind" feature that will let you get 50% of non-refundable travel deposits back if you just change your mind about a trip before going. The main thing, of course, is to make sure you and your family are adequately covered when you travel - do the work to actually look at your current coverage, make sure it isn't just for employees (often times, it doesn't cover family members), find out whether you have to pay out of pocket and are then reimbursed later or not (could be major big deal), and consider what you might need... My own family had a scare last year after our Alaska cruise. ; My 2 year old was rushed to Calgary's children's hospital after a particularly bad flight through the Rockies - turned out she had an ear infection we didn't know about, and as bad as that was, it could've been a lot worse, obviously. Ambulance ride to hospital, hospital care and prescriptions, overnight stay in hotel, missed flight, etc. wasn't something we'd been planning on at the end of a long trip - and obviously, it was eased by the fact we were still in Canada; but it certainly opened my eyes to what can really go bad quickly when travelling.
I have limited out-of-country coverage at work, but have always supplemented with Blue Cross. ; Their rate are fairly reasonable. Shop around and read all the fine print. Health Insurance is a must whenever I take the family across the border... we've never used it, but all it takes is one second to make it the best investment you ever made!!!
I always use Blue Cross for my family... rates seem good, very easy and fast service. ; I have not had to make any traveling claims so don't know how their service is at that end... anyone else have claim experience with Blue Cross?
