BCAA/AAA Insurance Has great Coverage!

[Lollipop's Mom]

I bought emergency medical today. I always do - you never know what can happen and you end up with a massive medical bill! Anyway I do have westjet covid insurance coverage, but BCAA/AAA covers up to `10 million for fully vaccinated and 1 million for unvaccinated in emergency medical.
I bought the $0 deductible and it was $66 for 2 adults.

 

[Lori Williamson]

Any quarantine expense coverage? I am flying westjet as well, but covid coverage doesn't extend till november argh ends at the end of October.

 

[Lollipop's Mom]

No quarantine on the one I bought. I still have westjet coverage for that.

 

[peacefrogdog]

Haven’t thought much in the past about travel insurance options because we have been healthy and have had insurance through our visa. with our upcoming Dec trip, looking for advice re travel insurance options I should be looking into.

context :
- family of 5 (3 kids aged 17-19), all double vaxxed and no preexisting health issues.
- Through our Visa we have up to $1 million of coverage for the first 21 days. Guessing that because the Gov of Canada will continue to discourage non essential travel by then, any existing insurance will not cover us for much.
- flying to MCO Dec 26, boarding a Royal Caribbean Cruise Dec 27th, flying home Dec 31. As of now, Royal says they will only allow double Vaxxed passengers becauseour itinerary stops in the Bahamas.

While i acknowledge the possibility of catching COVID on the ship and having to quarantine somewhere, I Most want to ensure coverage in the unlikely event one of us gets quite unwell and needs prolonged care.

Can someone do a “insurance for dummies“ version of what I should be looking for ?

 

[peacefrogdog]

from the CAA insurance website :
“If the Level 4 travel advisory is still in effect to avoid all cruise ship travel due to COVID-19, you will not be covered for any related COVID-19 illnesses.“

does this mean we won’t be able to be insured for anything ?

 

[cari12]

from the CAA insurance website :
“If the Level 4 travel advisory is still in effect to avoid all cruise ship travel due to COVID-19, you will not be covered for any related COVID-19 illnesses.“

does this mean we won’t be able to be insured for anything ?

Yep, if you go after the travel advisory is announced, you will not be covered.

 

[starry_solo]

from the CAA insurance website :
“If the Level 4 travel advisory is still in effect to avoid all cruise ship travel due to COVID-19, you will not be covered for any related COVID-19 illnesses.“

does this mean we won’t be able to be insured for anything ?

Anything that can be traced back to COVID-19

 

[bankr63]

I used to have CAA but switched after reading my policy. They had (at the time; about 5 years ago now) one of the worst elimination periods I had seen; was easy to find carriers with much better terms. Think it was 6 months at the time, I found a carrier with a 14 day elimination period. Basically what that means is that if you were sick in the 6 months (24 weeks) before your trip, they can probably deny medical vs. as little as 14 days for others. I don't know many people who don't get the sniffles or something in a 6 month period - a perfect reason for them to deny coverage.

Just saying its an important thing to check in the policy terms. Some TI companies are very thorough in enforcing that clause when you make a claim.

 

[Sue M]

We get Blue Cross, you can pay a little extra for 3 week look back.
I wouldn’t ever risk going to the US without insurance, healthy or otherwise. You never know what could happen. Could fall and break your hip! Anything could happen. We live close to the border and back in the good old pre Covid days when we could go day tripping, I saw a story on the news. A lady went to US Costco and on the way home was in a car accident, had severe injuries and US Emerg, and hospitalization bankrupted her.

 

[Lollipop's Mom]

My daughter became very ill in wdw and was taken by ambulance and hospitalized overnight. Bill was about $8000 and my bcaa medical covered it all no problem

 

[Donald - my hero]

I used to have CAA but switched after reading my policy. They had (at the time; about 5 years ago now) one of the worst elimination periods I had seen; was easy to find carriers with much better terms. Think it was 6 months at the time, I found a carrier with a 14 day elimination period. Basically what that means is that if you were sick in the 6 months (24 weeks) before your trip, they can probably deny medical vs. as little as 14 days for others. I don't know many people who don't get the sniffles or something in a 6 month period - a perfect reason for them to deny coverage.

Just saying its an important thing to check in the policy terms. Some TI companies are very thorough in enforcing that clause when you make a claim.

wE had the ability to add a a rider to our policy in January 2020 (and it still exists) which drops the time frame to 7 days for pre-existing conditions and basically NO time frame for "minor ailments"

 

[snaptacktock]

I bought emergency medical today. I always do - you never know what can happen and you end up with a massive medical bill! Anyway I do have westjet covid insurance coverage, but BCAA/AAA covers up to `10 million for fully vaccinated and 1 million for unvaccinated in emergency medical.
I bought the $0 deductible and it was $66 for 2 adults.

When I read fine print on the BCAA details it says the USA is not included in covid coverage. It is excluded from the policy.

 

[Lollipop's Mom]

I bought it over the phone and they said it was covered. Well honestly I am not as worried about covid as I would be more of another emergency.