Medi-Quote Blog

A lot of people will be leaving the country in the upcoming weeks. Below is a list of things to think about, or take with you before you leave

  • HEALTH CHANGES:   If your health or medications change before you depart, your coverage may be affected. A change in your health at any time during your travels may also affect your coverage for that condition. Please call us to discuss how your policy and coverage might be affected!
  • POLICY BOOKLET:   Please read your policy booklet and know the benefits, exclusions and limitations included. We do our best to inform our clients on as many important details as possible, but it is imperative to ensure you are well-informed before you travel.
  • CONFIRMATION/WALLET CARDS:   Please verify that the information on your confirmation documents is correct, including the spelling of your name, medical plan, deductible option, dates of travel, etc. If there are any errors, please contact us immediately. Be sure to carry your wallet cards with you at all times.  Don’t forget to save your confirmation as it also acts as your income tax receipt.
  • DATE CHANGES:   In some cases, changing your travel dates without having your policy updated may result in your policy becoming null and void. Please advise us if you plan to change your dates of travel. There is no fee to change your policy information before it has become effective. We cannot change dates once the policy is in effect.
  • EXTENSIONS:   To extend your policy while you are away, call Medi-Quote Insurance prior to your current policy expiring. Unless you have spoken directly to a broker, do not assume your extension is in place. We will extend your policy provided you have not had or intend to make a claim. If you have had a claim, special approval from the insurance provider will be required to extend your policy.
  • IN AN EMERGENCY:   Prior to seeking medical assistance it is extremely important that you call the assistance centre phone number located on your wallet card as soon as you are physically able, or even before you leave for the hospital where time permits.
  • MAKING A CLAIM:  If you have purchased Trip Cancellation Insurance, and something happens that could warrant you cancelling your trip, you must call the insurance company as soon as possible.  The phone number to the insurance company can be found on your wallet cards or on your policy.
  • REFUNDS:  Partial and Full refunds may be available if you meet the policy requirements for these.  A partial refund may be available if you return home early.  In order to process a partial refund we need to know the date you returned to your Province of Residence.  Acceptable documents must show your name, location and date. Examples are a credit card receipt, documents at border crossing, flight boarding passes, etc.  A full refund will be available if you wish to cancel your policy prior to the effective date.  Your request must be received in writing to process.  Refunds are not available if you have made or intend to make a claim.  Refunds are not available on Trip Cancellation policies or Multi-Trip Annual Plans that come into effect.

 

If you have questions, or for a free quote, call 1-800-661-3098

There is more to travel insurance than emergency medical. You can insure the cost of your trip, just make sure you understand your coverage.

You may have heard of trip cancellation or trip interruption insurance before. Both types of insurance help insure the costs of prepaid travel arrangements for certain unforeseen events, such as medical emergencies, or a death in the family. With the guidance of an expert it can be great way to protect an investment in the trip of a lifetime.

However, we’ve all been asked when we book flights online if we want to add Trip Cancellation coverage to our purchase.  It’s kind of like asking “Do you want fries with that?” when you think about how complicated Trip Cancellation insurance actually is, and the small amount of information that is provided when you are presented with the offer.

Why would you add extra costs to the price of your ticket when you don’t know what you are buying?

Even if you are booking directly through a supplier, like Air Canada, West Jet, or a travel agent, there are many things to consider before you book the insurance or even before you book your trip, to ensure there are no surprises later.

  • Do you feel you don’t have a full understanding even after you have read the policy or received the explanation from your travel agent?
  • Do you know the difference between trip cancellation and trip interruption coverage?
  • Do you have difficulties understanding the language used in travel insurance policies and are worried about not understanding the coverage?
  • How’s your health?  Have you had any health problems, hospitalizations, or changes to medical treatment in the last 90 days? If so, you may want to put off booking your non-refundable travel arrangements, as recent changes aren’t usually covered in Trip Cancellation policies.
  • What are the most probable things that could happen that could curtail your plans to go on a trip you have already booked?  Those are the things you want to ensure you have coverage for!

Don’t waste your money on coverage that isn’t worth it. Call us today to speak to a Trip Cancellation expert, or a qualified Travel Agent that can help you book your trip with a strategy towards making sure you are maximizing your chance of booking a trip and the trip cancellation that is working for you.

Call 1-800-661-3098 for a free quote from a Trip Cancellation and Interruption Expert

We will be closed Monday, November 11th in observance of Remembrance Day.

We will be holding two free information sessions at the Seven Oaks Hospital Wellness Institute this fall. See full details below:

Travel Insurance for Consumers

Don't be a denied claim statistic! Protect yourself with the basics on pre-existing conditions, stability periods, medical questions, deductibles, etc!

  • Session A: Monday, September 16th - 1:00-2:30pm
  • Session B: Tuesday, November 19th - 7:00-8:30pm

To Register:

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For the last few months we have been offering webinar training sessions about travel insurance. We now have a video of one of these sessions available online for you to watch whenever it's convenient for you.  You can view the video by clicking here.

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We will be closed for on Monday for the Thanksgiving long weekend, but will be back on Tuesday the 15th for regular business hours. In the meantime, you can submit your information via our client portal Mymediquote.ca and we will get in touch with you after the long weekend.

Thanks, and Happy Thanksgiving!

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Medi-Quote 20th Anniversary Alaska Cruise

Sorry, the deadline to sign up for this event has passed. Watch your email for future trips we are planning.

On October 16th, 2013 at 1:00 PM Central, 12:00 PM Mountain we will be holding another online seminar for educating Canadian snowbirds about travel insurance and how to do it right.

Travel insurance is a subject that gets a lot of coverage when things go wrong. Yet, many Snowbirds will travel this year with emergency medical insurance that isn't worth the paper it's printed on.

This presentation is designed to educate Snowbirds about where the potential pitfalls lie, and how to ask the right questions. These tips will help you get travel insurance that you can trust.

Clcik the link below to register for this event.

https://attendee.gotowebinar.com/register/5977758100732992770

Some technical notes:The presentation does not require a webcam or a microphone. You will be able to listen to the audio through your computer speakers, and view the video through your computer browser. A small application will need to be downloaded at the beginning, you will be prompted to download only after clicking the link in your email to join. A reminder email will be sent one day and one hour before the presentation.

You can send questions to the presenter during the webinar, or you can send questions ahead of time to webinar@mediquote.ca.

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October 1st is National Seniors Day in Canada and Medi-Quote Insurance Brokers are proud to pay tribute to seniors, and thank them for the valuable contributions they have made and continue to make, in our communities, workplaces, and families.

National Seniors Day, which coincides with the United Nations International Day of Older Persons, is an occasion for Canadians to celebrate and appreciate seniors.

Visit seniors.gc.ca for ideas on celebrating seniors or to learn more about National Seniors Day, government services and benefits for seniors, or tips on staying active, engaged and informed.

We will be closed on Monday, Sept 2, 2013 for the Labour Day long weekend. We'll be open again Tuesday, September 3.

 

Have a great weekend!

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