I have questions regarding travel insurance which topic, incidentally, Tom covered very thoroughly in his article (thanks for the link, Nancy).
However, as a Canadian,I cannot insure with any of the companies that were mentioned. Can someone recommend - or warn against - a Canada-based travel insurance company. I'd especially like to hear from anyone who has had firsthand experience with a claim or knows of someone who has.
Also, it looks like we may have problems with a claim, should one arise, resulting from pre-existing conditions ie. heart. I already bought a policy at time of booking (cancellation & medical) but there is an exclusion clause where if any diagnostic tests had been ordered, regardless of diagnosis or reason, it would void the claim. Such a test has been ordered for my mom, partly to compare with a previous result. But if she should God forbid run into trouble, we will basically have no insurance. That is, I know, a very simplified version of the story but my point is ..... really, here it is!!... is that standard procedure or should I be hunting for some extra padding. It seems as things are now, if (mom) had an incident, even possibly heart-related, and it was decided to fly her off the ship, we could get stuck with the nightmare bill we hear about.
Thanks in advance, Rose
September '05 Veendam to Alaska
January '06 Volendam to S. Caribbean
May '06 Volendam to Alaska
July '06 Tahitian Princess Honolulu to Papeete