Hi,
I had taken the insurance thru CAA for my parents. After initial $50 deductible they had covered medical expenses related to regular fever. Fortunaltey did not have to go for any other major medical visit. But their policy covers upto $50K (I think) for around $900 for 5 months for age above 65. Did get the refund for whatever was claimed. Not much of a hassle. (Probably because the claim was under $300). You can call them I think you do not need to be CAA member as well.

Vipeen

Hi CD's

We(2 Adults and 1 1/2 yr old son) are planning to migrate to Canada this July and so needed some info about insurance which we will need till our health cards are processed.

Is it better to take it in Canada or in Dubai(where we are at present) or in India? We are visitng India next month so can process it there too.

Would appreciate some info on the insurance company and related details.Also if someone has taken insurance in Dubai pls advice.

Thanks in advance

Jigcy

Hello Pramesh,

You can go online for the following companies

a. ICICI lombard
b. Bajaj Alliance.
c. Reliance Insurance
d. Tata AIG
e. HDFC Travel insurance

and a link for all insurance cos in India


http://www.iloveindia.com/finance/insurance/companies/index.html

So go online , check online quotes and then based on what you find ask your inlaws to call agents of these companies and you may get further discounts.


Regarding CAA which was mentioned earlier. the premium for a $ 50 K converage is $ 2134 for 180 days for a $ 50 K coverage. ( Deductable is $ 50) for both my parents ( Note rate quoted is per person per day)
http://www.caasco.com/insurance/documents/emti-can-visit-policy-guide.pdf


For ICICI i have a quote of $ 400 for 180 days for both my parents

There would be some differences in coverage etc. But the difference in premium is very high.

So we have all the information, do your research and take the policy.

All i can say is that now with big TPA's working for indian companies the claim process is somoother than earlier.

Regards,
RJ

Thanks RJ for that info. will look into this further.

Have you or anyone else on this forum looked at this?
http://www.visitorsinsurance.ca/

One get quotes of different companies including 21st century-Manulife which does cover preexisting plus the premiums seems lower than CAA.

How would the reimbursement work for Indian companies versus Canadian as what doctor's office expects one to pay upfront and then get the money from whichever insurance company it is.

Regarding choices of visitors insurance, you can get a comparable quote from multiple insurance companies all at the same time here: http://www.bestquotetravelinsurance.ca/travel-insurance-for-canadians-visitors-to-canada-seniors-and-students

http://www.bestquotetravelinsurance.ca/visitors-to-canada-insurance-compare-pre-existing-medical-conditions-stable-period

They also have answers to the following questions:
Q: Why should I buy insurance from a Canadian insurance company instead of from a company in my home country?
Q: What amount of Visitors travel medical insurance should I purchase?
Q: Do I purchase Visitors to Canada insurance before I leave, or once I arrive in Canada?
Q: Can I purchase a policy for my family members who are planning to come for a visit?
Q: Are there any discounts for two or more travelers buying at the same time?
Q: If I have a pre-existing condition, can I get coverage for that with a Visitors to Canada insurance policy?
Q: Do I have to take a medical test before I can buy Visitors to Canada insurance?
Q: Can my Visitors to Canada medical insurance be extended if I want to stay longer?
Q: Who can purchase Visitors to Canada travel insurance?
Q: Do you offer discounts for groups travelling together?
Q: Am I covered for trips outside Canada?
Q: If Visitors to Canada insurance won't cover my pre-existing condition, why should I buy it?
Q: What do I do in the case of an emergency and/or hospitalization?

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