Sue M
DIS Veteran
- Joined
- May 27, 2009
Does anyone know which travel companies are "First pay"? Meaning if you have extended benefits plan (thru work) the travel insurance will not bill them to recover cost?
I always use Blue Cross travel insurance BUT they are on strike and locked out.
Made quite a few phone calls today, BCAA, Travelguard, Manulife, Co Operators, TD, CIBC, RBC, etc. All are 2nd pay- they will bill what ever insurance you have before they pay except RBC. They are first pay for first $50,000 before they go after your extended.
RBC so far is semi First Pay. Ok if you don't have a a serious incident while away, but god forbid I do, these travel insurance companies could wipe out my Extended Medical, which has a lifetime max. I know all travel insurance will bill MSP and that's ok, I'm worried about my extended.
So what do you all do? I hope by August Blue Cross strike will end, but I need 2 weeks before I leave to book my insurance to get paperwork so have a few weeks to shop around.
A bonus would be if insurance is direct pay. Sadly Pacific Blue Cross isn't. So that time I stabbed myself in the eye with mascara wand, abraided cornea, and got infected I had to pay and file claim when I returned home!
I always use Blue Cross travel insurance BUT they are on strike and locked out.
Made quite a few phone calls today, BCAA, Travelguard, Manulife, Co Operators, TD, CIBC, RBC, etc. All are 2nd pay- they will bill what ever insurance you have before they pay except RBC. They are first pay for first $50,000 before they go after your extended.
RBC so far is semi First Pay. Ok if you don't have a a serious incident while away, but god forbid I do, these travel insurance companies could wipe out my Extended Medical, which has a lifetime max. I know all travel insurance will bill MSP and that's ok, I'm worried about my extended.
So what do you all do? I hope by August Blue Cross strike will end, but I need 2 weeks before I leave to book my insurance to get paperwork so have a few weeks to shop around.
A bonus would be if insurance is direct pay. Sadly Pacific Blue Cross isn't. So that time I stabbed myself in the eye with mascara wand, abraided cornea, and got infected I had to pay and file claim when I returned home!