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Travel insurance

Georgetown, Canada
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303 posts
15 reviews
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Travel insurance

It is my first time to go to Cuba, so what kind of medical insurance do I need? Like those they sell you online along with your package is good enough? Do I really need to upgrade to those all inclusive travel insurance?? Thanks for your help!!

Newton Aycliffe...
Destination Expert
for Cuba, Rafael Freyre, Guardalavaca, Holguin
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98,906 posts
57 reviews
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1. Re: Travel insurance

You really need full travel insurance including medical cover that includes repatriation. It's highly unlikely you would be asked for proof and if you were, they would even accept your OHIP card.

Georgetown, Canada
Level Contributor
303 posts
15 reviews
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2. Re: Travel insurance

Wow... those all inclusive insurance are pretty expensive!!!

Newton Aycliffe...
Destination Expert
for Cuba, Rafael Freyre, Guardalavaca, Holguin
Level Contributor
98,906 posts
57 reviews
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3. Re: Travel insurance

Better to be safe than sorry.

montreal
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10,248 posts
103 reviews
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4. Re: Travel insurance

Well lets just say not expensive at all if you ever get sick as you will be happy that you got your insurance ...

Georgetown, Canada
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303 posts
15 reviews
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5. Re: Travel insurance

yeah, you are right! Thanks!

Ontario Canada
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1,609 posts
113 reviews
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6. Re: Travel insurance

It should not be expensive. We bought from PC (President's Choice) Insurance and they have a separate division for Cuba. we're both 60 and paid $120 for one week for both of us.

Beware of anyone selling Manulife. They have a long history of going through your application and denying coverage if there is anything that can be found that is not perfect. With PC, you answer a few questions over the phone and the questions are not nearly as complex as many others such as CAA.

If you have serious pre-conditions, insurance will be very expensive.

Oshawa, Canada
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1,899 posts
15 reviews
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7. Re: Travel insurance

RBC is under 100.00 for the week and after hubby was hospitalized X2 in Punta Cana, I will NEVER travel without Travel Insurance...insurance paid out over 3$3000.00 the 1 st time... and under $2000.00 the sceonf time...both due to bad severe diarrhea and dehydration and hubby does not really drink!!

You don't need to have an account with RBC to buy it and it's cheaper to buy directly rather than packages thorugh Travel agents!! and they pay the doctor or hospital direclty...no reimbursemnt crap

Pickering, Canada
Destination Expert
for Camaguey, Playa Santa Lucia
Level Contributor
5,452 posts
22 reviews
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8. Re: Travel insurance

when you're a senior things aren't so rosy wherever you go. these pre exisiting conditions whether known or unknown are a real killer finanacially. and most all the tour operators are tied into manulife in canada. credit cards could be with alliance. another winner. sigh. carol e.

Vancouver, Canada
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6,097 posts
11 reviews
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9. Re: Travel insurance

Hola

blue cross, for two, for a year, worked out to be 401 in total up to 17 days out of the the country each trip also cancellation insurance. When your taking more than 2 trips a year, is way cheaper buying insurance for the year.....at least for us.....

cheers.

Ontario Canada
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1,609 posts
113 reviews
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10. Re: Travel insurance

The problem with Manulife and some others is that if you have a pre-existing heart condition but you had a problem with food poisoning, they will try to find a way to disqualify your coverage.

Other insurers will only disallow coverage if it is directly related to your pre-condition. ALWAYS read the full policy. Most people have no idea that their coverage will not apply until they make a claim, then it's too late.

I would never buy coverage from a travel agent again. Do your homework.

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