insurance company

[monde48]

Okay, this is for Canadian snowbirds. We had been talking to our insurance company about insurance for our time down south, and it has gone quite high, so we are wondering what other companies snowbirds use. Any help would be much appreciated

[monde48]

I want to thank everyone for the help. I think the secret is to stop having birthdays once again, thanks everyone

[Flyboy320]

We have been using Travellers Choice(travelinsuranceoffice.com ) for years. Have compared it to others but always gone to this company. We buy 142 day top up to my pension coverage. $99 deductable for $10 million coverage each. 62 yr old female and 69 yr old male with pre-existing & stable conditions will run us about $1550 this year for the 142 days.
Others may be cheaper BUT coverage is usually lower... ie $ 5 mil vs 10.

[MDKMDK]

Fizz wrote:
This should help you make a choice.
Basically there is not much difference between companies.

https://www.snowbirdadvisor.ca/how-much-does-travel-insurance-cost-canadian-snowbirds

True. Even the most costly policy for the highest risk condition is worth the money, when considering the alternative, which is buying a policy that doesn't cover you properly in the event of a major claim.

Or, as stated at the end of your linked article,

"Remember, although it’s tempting to buy travel insurance based solely on price, you could end up with a financial disaster on your hands if you need to make a claim only to find out that your low cost travel insurance won’t cover you."

[Fizz]

This should help you make a choice.
Basically there is not much difference between companies.

https://www.snowbirdadvisor.ca/how-much-does-travel-insurance-cost-canadian-snowbirds

[almcc]

While I don't use them for medical coverage (they insure our RV) Wayfarer has good rates and service, they also do out of country medical insurance.

Wayfarer link

[joebedford]

I've used Medipac recently. This year I've had to apply for personal insurance instead of the more common group insurance. Waiting to hear if they'll cover me and for how much.

[MDKMDK]

Assuming you're talking out of province (Ontario) medical coverage, they're all pretty high as you get older, have pre-existing conditions, and length of time away, all increase premiums. Ford deciding to drop OHIP participation in out of province coverage, will also probably give insurance companies reasons to raise rates, if they haven't already.

Try your bank, and see if they offer travel medical out of province insurance. They may give you a better rate as an existing banking customer.

I know of no other "cut rate" insurance options out there.
Maybe someone else knows of a "great deal" out there?

[spud1957]

monde48 wrote:
Okay, this is for Canadian snowbirds. We had been talking to our insurance company about insurance for our time down south, and it has gone quite high, so we are wondering what other companies snowbirds use. Any help would be much appreciated

Insurance for what?

[DFord]

Maybe a health insurance rider?

[Flyboy320]

RV or personal? Who are you with now?