Sunday, December 22nd 2024

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2017
28
October
How does asthma affect travel insurance rates at 61?

Question:

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Dyan

Can anyone recommend good travel insurance? Pacific Blue Cross consider asthma (controlled with puffer and never hospitalized) as a "chronic obstructive lung condition" once you hit 61. Policy amount went up drastically. If anyone has done some research, please share. Thanks

Humans say...

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Sharron

Can try AAA

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MJ

BCAA

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Parveen

BCAA and pay a bit extra for the pre-existing condition coverage. A multi-trip policy is more cost effective than the one time policy

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Pat

BCAA

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Dyan

Thanks, the problem with BCAA is that it is supplementary insurance, and they will first have your extended health pay, they pay second. This is a problem when you have a life time limit on your extended health, and should you be hospitalized, it can eat up that amount quickly, leaving you with no coverage here at home. Important to check whether they are first payers, or supplementary. Pacific Blue Cross are first payers. I have called BCAA, Medipac, which are supplementary payers. CARP states they are usually first payers, but 2% of claims they have been supplementary.

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Donna

Thanks for posting this - something to watch out for.

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Cindy

The life time amount is for out of country. Not for at home. Not in BC anyways

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Dyan

Cindy thanks, I thought it was for BC! Will look into further!

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Giordana

Look into World Nomads.

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Janice

We just got ours from manulife through Costco. It was the least expensive by far and looked good.

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Sharron

Most plans are supplementary. (Last resort)

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Alison

Try bcaa

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Sharron

BCAA makes you claim against all other plans first. Their insurance is last resort. They don't offer a plan where you just flash the card and of. Our son went to Abu Dubai a few years ago. We had to claim through BC Med, then mother's extended plan, then dad's extended plan and lastly BCAA.


A.I. says...

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Travel Insurance for Pre-Existing Conditions

If you have a pre-existing condition, such as asthma, it's important to make sure you have adequate travel insurance coverage in place before you travel. This is because many standard travel insurance policies exclude coverage for pre-existing conditions, or they may only offer limited coverage.

There are a few things to keep in mind when choosing a travel insurance policy if you have a pre-existing condition:

  • Make sure the policy covers your pre-existing condition. Not all policies do, so it's important to read the policy carefully before you purchase it.
  • Be aware of any exclusions or limitations that may apply. Some policies may exclude coverage for certain pre-existing conditions, or they may only offer limited coverage for certain conditions.
  • Consider purchasing a policy that offers comprehensive coverage. This type of policy will provide the most protection for your pre-existing condition.

Here are a few of the best travel insurance providers for pre-existing conditions:

  • Travelex offers a variety of travel insurance plans that cover pre-existing conditions, including the Travel Select plan and the TravelMax plan.
  • Allianz Global Assistance offers the OneTrip Prime plan, which provides comprehensive coverage for pre-existing conditions.
  • AIG Travel Guard offers the Travel Guard Platinum plan, which provides comprehensive coverage for pre-existing conditions, including coverage for medical expenses, trip cancellation, and trip interruption.

It's important to compare the different travel insurance policies available to find the one that best meets your needs. Be sure to read the policy carefully before you purchase it, and make sure you understand the coverage and exclusions that apply.









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