Buying & using trip medical insurance

[Calgary DISHeads]

Ok you just have trip interruption only, not cancelation that explains the difference.

I just took a look at Disney's cancellation policy on packages and it's only $200 if cancelled within 6 days, and $100 if cancelled from 6 - 44 so it makes no sense to get cancellation insurance only interruption insurance. Does this make make sense if so, we can save a wad of cash... I wondered why disney's insurance was so below, originally figured there must be a lot of exclusions in it.

 

[Calgary DISHeads]

I got this online. But you can call BMO directly I google under BMO travel insurance....

Then I called. You can add different things. I took medical and trip interruption for 33 days and got quoted $155. I'll go find it and post the link!

Charleyann

Sorry, Charleyann, I should have included you in the message below - I think you are the one that has it all figured out.

 

[sk8jdgca]

I have the insurance on my rbc credit card (110 for rhe year) covers trip cancellation, interuption and 30 out of province. I had to use it last year when I came down with a UTI. I called the number first and they arranged for a dr to come to the hotel. he tested me and brought me my meds- I didn't even have to change out of my PJ's It was great and I never paid a cent (other than the annual credit card cost) It covered me and my kids (it would also cover a souse travelling with me if I had one)

 

[minnie56]

I had to wing a lot of it..as in where you are going? I am assuming it's a land pkg at WDW? I had to make up your ages..kept you both under 42? Used the ages provided for the kids.

Deluxe pkg / $620 not incl tx / this inclds medical coverage/trip cancellation and interruption. This is based $8,000 CAD of coverage. Non medical would be $496 not incld tx.

Yes, it is getting 'up there' in cost!

 

[Calgary DISHeads]

I had to wing a lot of it..as in where you are going? I am assuming it's a land pkg at WDW? I had to make up your ages..kept you both under 42? Used the ages provided for the kids.

Deluxe pkg / $620 not incl tx / this inclds medical coverage/trip cancellation and interruption. This is based $8,000 CAD of coverage. Non medical would be $496 not incld tx.

Yes, it is getting 'up there' in cost!

It's a chunk of change... I've been looking at Disney's cancellation policy and it's cheaper than buying insurance, from my brief look the hardest hit would be $200. I've bought cancellation insurance on airline tickets before, and I remember that being really expensive but I don't need that this time. I think all I need is interruption and I know it's covered somewhat on my credit card, I'll have to look into that part more carefully.

Thanks for looking though!

 

[minnie56]

It is I know..Disney is pretty fair with their cancellation policy. As long as you have medical coverage..many credit cards (CIBC Infinite for one) have trip interruption coverage so I would read that through thoroughly on yours.

Anytime!

 

[Charleyann]

Here is the link to get your quote. You guys should really look this over. Good prices. Just compare and see if they offer you near or near the same options...

https://insurance.mondial-assistanc...token=69070AA7A27047968F28F199FBDAD827#bottom

Charleyann

 

[Disney Fanatic]

RBC For sure.. DS got sick in Disney and RBC sent a Dr. (pediatrician) right to our hotel room. Great service you could not even pay for at home!!
Highly recommended~
If something is cheaper, there is usually a reason.

You definately get what you pay for!
Good Luck with your decision!

 

[trivial]

Although I never had to use it, I had purchased health/cancellation insurance from President's Choice for our last trip. I can speak to my experience with their car insurance however (when they offered it); they were excellent and I had no problems dealing with them whatsoever.

 

[nepean]

I have the RBC annual plan 15 days per trip. We have used them in the past and found them excellent. DD ended up in Celebration Hospital with Norwalk and I then ended up at the clinic two days later. The hospital bill would have been $2500 and the clinic $180. I received a copy of the bill from the hospital after I got home. RBC paid everything upfront and were easy to deal with. This trip we will be gone 23 days. On day 13 I will call and top up our insurance for the extra days. I have done this in the past. Our annual bill for 3 people is $132. and covers multiple trips. No cancellation just medical since we drive and can cancel our hotel within 24 hours.

RBC is great for service.

Linda

 

[chimo2u]

I am trying to decide what to do for insurance this trip. Disney insurance seems very reasonable...only $67.00 (only the adult pays). I am going for 1 week in August, with just my son (14) and I. The only thing I am concerned about is our flights (hurricane season). I have great medical coverage through hubby's work but am wondering what to buy to ensure our flights are safe/hotel and food covered, in the event of weather-related delays. What type of insurance would be good for this? Would Disney's insurance be appropriate? I have until my day 45 to add it on my package.

 

[Calgary DISHeads]

I have never booked flights through WDW, I think I looked at it once but at that time you couldn't book from Canada I would make sure that you are getting the best flight deal first, then look at the cost of insurance. I do know flight insurance is stupidly expensive, although sometimes you have to just bite the bullet, especially with young kids.

 

[chimo2u]

No, I am not booking flights thru Disney...they will be booked via West jet. Actually thinking of driving from Edmonton to Calgary to take advantage of the direct flight. I was talking about purchasing insurance on the package that I book through Disney... but now that I think of it, perhaps it is only for the parks/tickets if I purchase flights elsewhere...that would make sense!
I will have to investigate more!! LOL

 

[squirrel]

I also have been getting insurance through RBC. My travel agent books me the deluxe package as I take my niece. It's suppose to cover flying another adult down if anything happens to either of us and have to stay in the hospital.

 

[pxlbarrel]

I just use the CAA's medical insurance. I have an annual plan from them and it covers any time I leave the country for a period up to 2 weeks. I've used it once...while in Japan. I needed to see a doctor so I called them and they told me to go ahead and see one and to fill in some forms they'd send me. I paid the doctor, got my prescription and when I got home, the forms were waiting. Filled them in and got my money back quickly. Note: the appointment was like $40 and the antibiotics were $18. Talk about cheap health care.

 

[Valjean13]

If you (and your family) are all under 51, you can purchase travel insurance from Travel Cuts. Their comprehensive plan (and the most expensive) is only $58 for 10 days when traveling to the USA. Less if you are going anywhere else in the world. If you just want medical, up to 1 million in coverage, it's $1.84 per day. We are going to use them for our upcoming trip to New Zealand and Australia.