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Arthritis Specialist in Toronto

Arthritis Specialist in Toronto

Old Oct 4th 2009, 5:17 am
  #16  
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Default Re: Arthritis Specialist in Toronto

I was wondering if you will not be wholely liable for the cost of any treatment/consultation while she is in in Canada on a temporary basis. When we visited (on holiday) and son broke his arm, we had to give our credit card as we walked into the hospital and we were charged for the doctor's time, and every single item, incluing drugs, Xrays, sling etc. We were able to claim it back from our insurers on our return to the UK, but hers is a pre-existing, known condition, and I rather doubt that insurance would cover it at all.

I'm not talking about private medicine, but the hospitals and/or doctors in Canada are paid via provincial health insurance/medicare/workers' comp or whatever else ... there is always a charge to somebody, even if it free at point of delivery to the patient.

You might seek advice from BUNAC actually, as this is something that has most likely come up before ......

edit: I just went to the BUNAC site and checked out one of the insurers they recommend: http://www.1worldinsurance.com/quote..._series_st.htm

Under exclusions of coverage this was No 1.
Pre-existing Conditions – Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance. If you are under age 70, you are covered for Medical and Emergency Evacuation charges resulting from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective Date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence

Last edited by Alberta_Rose; Oct 4th 2009 at 5:27 am.
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Old Oct 5th 2009, 1:28 pm
  #17  
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Default Re: Arthritis Specialist in Toronto

Originally Posted by Alberta_Rose
I was wondering if you will not be wholely liable for the cost of any treatment/consultation while she is in in Canada on a temporary basis. When we visited (on holiday) and son broke his arm, we had to give our credit card as we walked into the hospital and we were charged for the doctor's time, and every single item, incluing drugs, Xrays, sling etc. We were able to claim it back from our insurers on our return to the UK, but hers is a pre-existing, known condition, and I rather doubt that insurance would cover it at all.

I'm not talking about private medicine, but the hospitals and/or doctors in Canada are paid via provincial health insurance/medicare/workers' comp or whatever else ... there is always a charge to somebody, even if it free at point of delivery to the patient.

You might seek advice from BUNAC actually, as this is something that has most likely come up before ......

edit: I just went to the BUNAC site and checked out one of the insurers they recommend: http://www.1worldinsurance.com/quote..._series_st.htm

Under exclusions of coverage this was No 1.
Pre-existing Conditions – Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance. If you are under age 70, you are covered for Medical and Emergency Evacuation charges resulting from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective Date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence
Agreed, I expect we will have to pay. However we are really only needing a blood test done every 6 weeks or so and am therefore hoping it won't work out too expensive. The problem is that actually getting hold of a doctor in advance to try and arrange it / get an idea of costs etc is proving extremely difficult.
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