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one way insurance

one way insurance

Old Jan 29th 2014, 11:35 pm
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Default one way insurance

Hello, we three, me, my wife and her Mum (a 92 year old) are emigrating to Alberta in April, flying into Calgary. Can some kind person please advise us about insurance for that one way trip. I can't imagine ordinary travel insurance would do, as we wont have a UK address or a return date, so how do we go about it please? Many thanks for any advice or help that is offered.
Gordon, Eileen and her Mum.
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Old Jan 30th 2014, 12:17 am
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Default Re: one way insurance

Originally Posted by gorleen View Post
Hello, we three, me, my wife and her Mum (a 92 year old) are emigrating to Alberta in April, flying into Calgary. Can some kind person please advise us about insurance for that one way trip. I can't imagine ordinary travel insurance would do, as we wont have a UK address or a return date, so how do we go about it please? Many thanks for any advice or help that is offered.
Gordon, Eileen and her Mum.
What is it exactly that you want to insure?
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Old Jan 30th 2014, 2:21 am
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Default Re: one way insurance

If it is travel medical you want, any insurer can offer it, however travel medial ends when you arrive at your destination unless you have a return ticket and intend to go back from whence you came.

If you are moving to Canada and will eventually get provincial coverage, you should look for a policy for emigrants that covers until the provincial program starts. In AB this is as soon as you register, however with a travel policy there would be an uninsured gap between arrival at the airport and registration. Maybe only a few days, but an expensive few days if something happens and you don't have coverage.

If you are emigrating, there is no return date and no UK address is not a problem for any policy.
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Old Jan 30th 2014, 2:27 am
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Default Re: one way insurance

Originally Posted by Aviator View Post
If it is travel medical you want, any insurer can offer it, however travel medial ends when you arrive at your destination unless you have a return ticket and intend to go back from whence you came.

If you are moving to Canada and will eventually get provincial coverage, you should look for a policy for emigrants that covers until the provincial program starts. In AB this is as soon as you register, however with a travel policy there would be an uninsured gap between arrival at the airport and registration. Maybe only a few days, but an expensive few days if something happens and you don't have coverage.

If you are emigrating, there is no return date and no UK address is not a problem for any policy.
If I was 92 I'd make that a top priority. Why wait (in AB) a few days?
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Old Jan 30th 2014, 6:35 am
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Default Re: one way insurance

http://www.duinsure.com/travel_insur...ies_emigration

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Old Jan 30th 2014, 6:53 am
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Default Re: one way insurance

I used Canadasure to cover myself and my other half. It covered our travel to Canada and then covered is for medical until the provincial health care kicked in. Not the cheapest insurance I have paid for but peanuts compared to any costs we may have had if an accident or illness had struck
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Old Jan 30th 2014, 1:58 pm
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Default Re: one way insurance

I think the hardest thing for you will be to get insurance for the 92 year old.
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Old Jan 30th 2014, 2:39 pm
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Default Re: one way insurance

We used Canadasure.

I used to work in insurance in the UK, travel was part of what we offered, we specifically excluded any cover for one way trips. That's not to say that all will, but to say that any policy will cover it is not correct, you'll have to check each one for that.

As previously stated, specialised insurance like Canadasure will cover you until your provincial insurance kicks in too, although for Alberta I believe this is as long as it takes to get yourself to the office and register. I'm not sure how age would be viewed for insurance though, could be tricky. I'm wondering if it might be worth contacting Age Concern, and other age/medical related insurers just to ask. If you can find a policy that will cover until she reaches Canada (given there's no wait for provincial cover in Alberta), I'd just take it.
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Old Jan 30th 2014, 2:55 pm
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Default Re: one way insurance

+1 for CanadaSure.
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Old Jan 30th 2014, 4:39 pm
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Default Re: one way insurance

Originally Posted by Novocastrian View Post
What is it exactly that you want to insure?
Just us, from the time we take off to the time of registering in Alberta.
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Old Jan 30th 2014, 4:40 pm
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Default Re: one way insurance

Thank you, I'll check it out.
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Old Jan 30th 2014, 4:42 pm
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Default Re: one way insurance

Originally Posted by Mikeypm View Post
I used Canadasure to cover myself and my other half. It covered our travel to Canada and then covered is for medical until the provincial health care kicked in. Not the cheapest insurance I have paid for but peanuts compared to any costs we may have had if an accident or illness had struck
Many thanks, I'll look into it.
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Old Jan 30th 2014, 4:47 pm
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Default Re: one way insurance

Originally Posted by Dashie View Post
We used Canadasure.

I used to work in insurance in the UK, travel was part of what we offered, we specifically excluded any cover for one way trips. That's not to say that all will, but to say that any policy will cover it is not correct, you'll have to check each one for that.

As previously stated, specialised insurance like Canadasure will cover you until your provincial insurance kicks in too, although for Alberta I believe this is as long as it takes to get yourself to the office and register. I'm not sure how age would be viewed for insurance though, could be tricky. I'm wondering if it might be worth contacting Age Concern, and other age/medical related insurers just to ask. If you can find a policy that will cover until she reaches Canada (given there's no wait for provincial cover in Alberta), I'd just take it.
Thank you for your words of wisdom, we had problems in 2012 when we all went over together last time. Then Mum in law spent Christmas (4 nights) in hospital, we've yet to get quotes for our forthcoming one way trip!!!
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Old Jan 30th 2014, 5:47 pm
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Default Re: one way insurance

Originally Posted by gorleen View Post
Thank you, I'll check it out.
Turns out the maximum age for this one is 55, that rules all three of us out.
Oh well, now to plan B.
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Old Jan 30th 2014, 5:48 pm
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Default Re: one way insurance

Originally Posted by gorleen View Post
Turns out the maximum age for this one is 55, that rules all three of us out.
Oh well, now to plan B.
DUinsure that is.
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