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Out of country health insurance

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We are currently in Florida.....and decided to check on the status of our coverage. We had enquired via email about extending and had no response so we check the website. The office we were dealing with in St. John’s has been CLOSED!! No warning, no heads up! 
The company website has a statement which reads:

“On March 13, 2020 the Government of Canada announced a formal travel advisory limiting all non-essential travel outside of Canada until further notice. It is important to note that coverage for Trip Cancellation and Trip Interruption:

 

  • Does not extend to any travel booking made on or after a formal travel advisory is issued;
  • For customers that departed on a trip before a formal travel advisory is issued, trip interruption coverage is limited to a period of 10 days from the date of the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area; and
  • Trips booked after a destination or cruise receives a formal travel advisory are not covered for trip cancellation or interruption.


Out of Country Emergency Medical Insurance Coverage

For Out of Country Medical Insurance, a travel advisory of “Avoid all travel” or “Avoid non-essential travel” will impact insurance coverage.

.Out of country emergency medical coverage is not available if a formal travel advisory is issued before your departure; 

  • Customers who book future travel to a location which is currently under a relevant travel advisory (including cruises) will not have medical coverage in these locations if the advisory is still in effect at the time of travel;
  • If a travel advisory is issued after departure, medical coverage for that location is limited to a period of 10 days from the date of the travel advisory or formal notice was issued, or to a period that is reasonably necessary for you to safely evacuate the country, region or area. 
  • Because of the advisory to “Avoid all cruise ship travel,” beginning March 9, 2020, customers who depart on a cruise after this date will not have out of country medical coverage. 

Please visit https://travel.gc.ca/travelling/advisories for the most up-to-date information.

 

 

So, it looks like it’s time to get out of Dodge.

If anybody is in the US or knows of someone..it’s time to look at their coverage if they haven’t already done so. fwiw.....the 1-800 number is closed on weekends.

I can’t wait to see how busy the land crossings will be.

 

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Sun Life is the only insurer to require you to get back within 10 days. Medipac  says we're good to stay.

Stay in Maricopa county with 5 presumptive or return to BC with at least 73 for around the same population, I'm staying put.

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We were insured by Medoc Johnson thru AC Pionairs.....caveat emptor... so this 10 day return issue might apply to others. 

I tried to obtain additional coverage through Medipac but you have to originate in Canada, they wont bind you if you are already in another country. The agent indicated that other policy holders were trying to re-insure but it wasn't possible. He said it is his busiest time in 20 years in the business. 

 We are in St Pete Beach and feel the same way, but, not ready to spin the wheel with no coverage in the US.   

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