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Question of The Week

Question:

I have pre-existing conditions so isn't it safer to purchase a policy with no medical questionnaire?

Answer: No, because claim denial is associated with all three types of policy structures: medical questionnaire, non-medical-questionnaire and change of health clause. With non-medical questionnaire, insurers insert potentially deleterious eligibility and exclusionary clauses. If you misinterpret or overlook them, the insurer can retroactively void your contract. You agree to terms contained in the policy wording when you pay your premium. With pre-existing conditions, it is best to seek the assistance of an experienced broker who will advise you as to what is covered and what is not. You may be eligible for a rider to cover unstable conditions.
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What your fellow travellers say about us

Garry
December 8th, 2017 | London, ON

“I can attest on 2 different occasions the positive results I have experienced. Firstly, upon returning from Florida last March 2017, I ended up in the Hospital in Powell, Tenn....

Ken and Victoria N
May 27th, 2016 |

“Hello Bruce C and Tugo Claims Department. I received reimbursement for the additional costs we paid to Spring Valley Hospital when Ken was admitted in March 2016. THANK YOU FROM...

Valerie and Russell
May 2nd, 2016 | Niagara-on-the-Lake

“Bruce always gives a speedy response to our questions which is very much appreciated. Always very helpful with good advise.Excellent customer service .”

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CANADIAN MONEYSAVER is an acclaimed investment advisory with a recognized reputation for providing a trustworthy and down-to-earth service since 1981. Available nationally in print and online versions.

What sets us apart
At First Insurance, we not only offer personalized advice but we’re also A powerful advocate on behalf of the consumer for the Urgent Need of Improved Regulation. Please refer to our “Advocacy” section below. Our assessment is based on the safety and quality of an insurance contract and whether it offers innovative features and options to the consumer not readily available in the marketplace. Another key factor of our evaluation is the level of service provided by the insurance company

Advocacy

CCIR SUBMISSION: “The Urgent Need For Improved Regulations”
Bruce Cappon
March 17th, 2014

As presently constituted, practices in segments of medical travel insurance are systematically unfair to clients, and lead to financial hardship – in some cases catastrophe – for thousands of Canadians annually.

CCIR SUBMISSION: “Contract Voidability, The Urgent Need For Improved Regulations”
Bruce Cappon
May 7th, 2015

Informed by the experience of travelling Canadians, and by recent advice proffered by travel insurance specialists such as the author of the present memorandum.

CCIR Final THI Position Paper May 2017
CCIR
May 31st, 2017

In response to the growing concerns over public confidence in the market and the manner in which travel health insurance (THI) is manufactured and distributed, the CCIR formed a working group on THI…with a mandate to…promote harmonization in regulatory approaches…identify practices that are causing harm…”

Recent Articles

But will you live to collect it?
July 22nd, 2005

James Daw

July 22, 2005

"TheStar.com"

Attending Physicians' Reports
September 11th, 2007

Bruce Cappon

September 11, 2007

Medical Post

Cuba to force tourists to buy medical insurance
April 12th, 2010

James Daw

April 12, 2010

The Star

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