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Old 02-19-2015, 01:10 PM   #31
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A lot of people don't realize that they need travel medical insurance for 'out of province' trips as well, since medical is a provincial responsibility.
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Old 02-19-2015, 01:13 PM   #32
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Now, it's more a question of how our health will hold up. You can have great plans to spend all your time golfing and fishing and camping when you retire, but that won't happen if you are dragging oxygen behind you.
Don't bet on it - I've gone hiking, (for most that would be a good walk), and carried a pair of oxygen tanks in a back pack, now it's a portable concentrator.
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Old 02-19-2015, 01:28 PM   #33
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Just wait until you've had a stent installed, or your doc puts you on a blood pressure med or one of a dozen other medical conditions that you must disclose when you apply for travel medical insurance.
I'd check the travel insurance you have to see if it requires you to notify them of certain changes in health status ( I'm sure it does ).
I meant that its not too onerous at this point. If any of those conditions and any others rear their ugly heads, I'll have to stay in B.C. I was on a cruise a couple of years ago and one of the people from our table was a retired insurance exec. I asked him if it was likely that there are hidden loop holes in even the most comprehensive Traver Insurance policies. He said "Oh there'll be loop holes alright". Makes you wonder if anybody gets what they are paying for.
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Old 02-19-2015, 01:28 PM   #34
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.....
.....and boy oh boy, has it ever improved my range of motion. .......
Hm, like reaching farther across the table to the food and beverages. Must look into this!

Thanks, Jim.
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Old 02-19-2015, 01:43 PM   #35
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Here's link to CBC Marketplace show on Travel Insurance ( 22 minutes long ).
It's called "You're Not Covered".
You’re Not Covered - Marketplace - CBC News
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Old 02-19-2015, 01:56 PM   #36
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The rules for Canadian citizens covered by their government health insurance plans look similar to Medicare when traveling internationally. The costs however look to be higher. For us since we are still covered by our employer plan, we can travel almost anywhere and have the same coverage at no additional cost. Once we retire and are on Medicare, we'd need a Medicare supplement policy. Doesn't really seem fair, but I guess such is the nature of a government administered plan.
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Old 02-19-2015, 02:03 PM   #37
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The rules for Canadian citizens covered by their government health insurance plans look similar to Medicare when traveling internationally. The costs however look to be higher. For us since we are still covered by our employer plan, we can travel almost anywhere and have the same coverage at no additional cost. Once we retire and are on Medicare, we'd need a Medicare supplement policy. Doesn't really seem fair, but I guess such is the nature of a government administered plan.
Hi: rbryan4... Our "Free" health care wouldn't even cover a broom closet stay in a US hospital. That's why we need supplemental coverage. In Canada a lot more money is spent preventing you from being in hospital. Alf
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Old 02-19-2015, 02:25 PM   #38
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Hi: Zardoz... I've been told I'm off balance several times. I'm not in bad shape for the shape I'm in but just found out it's not Florida that makes my feet swell it's the BEER!!! Alf
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Old 02-19-2015, 02:44 PM   #39
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In Canada a lot more money is spent preventing you from being in hospital.
I think that's smart Alf. "An ounce of prevention is worth a pound of cure" (or translated, 100 grams of prevention is worth a kilogram of cure...still doesn't sound right)".

Our healthcare system is way too fixated on curing a disease or treating a disease rather than preventing it. Part of the reason why healthcare costs are skyrocketing. I second Jim's and others comments about eating right, staying in shape and preventing disease in the first place.
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Old 02-19-2015, 03:04 PM   #40
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Doesn't really seem fair, but I guess such is the nature of a government administered plan.
I pay a monthly premium for the basic medical. In addition, I pay a premium for extended health and dental ( was covered by employer up to retirement ). The extended doesn't cover travel health insurance.
There are three levels for travel health - provincial ( going to another province ), world ( going anywhere in the world, except the US ), and going anywhere in the world including the US. The premium jumps substantially when US coverage is included.
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