one way insurance
Jan 29th 2014, 11:35 pm
#1
Forum Regular
Thread Starter
Joined: Dec 2010
Location: Southern Alberta
Posts: 112
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.
Gordon, Eileen and her Mum.
Jan 30th 2014, 12:17 am
#2
Born again atheist
Joined: Jul 2005
Location: Europe (to be specified).
Posts: 30,259
Re: one way insurance
Originally Posted by gorleen
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.
Gordon, Eileen and her Mum.
Jan 30th 2014, 2:21 am
#3
Joined: Sep 2008
Posts: 12,830
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.
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.
Jan 30th 2014, 2:27 am
#4
Born again atheist
Joined: Jul 2005
Location: Europe (to be specified).
Posts: 30,259
Re: one way insurance
Originally Posted by Aviator
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 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.
Jan 30th 2014, 6:53 am
#6
Pondering a career change
Joined: May 2012
Location: Sunshine Coast, BC
Posts: 2,595
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
Jan 30th 2014, 1:58 pm
#7
Banned
Joined: Jul 2011
Posts: 25
Re: one way insurance
I think the hardest thing for you will be to get insurance for the 92 year old.
Jan 30th 2014, 2:39 pm
#8
BE Forum Addict
Joined: May 2011
Posts: 1,348
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.
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.
Jan 30th 2014, 2:55 pm
#9
Concierge
Joined: Jun 2011
Location: Oakville, ON, CA
Posts: 8,320
Re: one way insurance
+1 for CanadaSure.
Jan 30th 2014, 4:39 pm
#10
Forum Regular
Thread Starter
Joined: Dec 2010
Location: Southern Alberta
Posts: 112
Re: one way insurance
Originally Posted by Novocastrian
What is it exactly that you want to insure?
Jan 30th 2014, 4:40 pm
#11
Forum Regular
Thread Starter
Joined: Dec 2010
Location: Southern Alberta
Posts: 112
Re: one way insurance
Originally Posted by Siouxie
Jan 30th 2014, 4:42 pm
#12
Forum Regular
Thread Starter
Joined: Dec 2010
Location: Southern Alberta
Posts: 112
Re: one way insurance
Originally Posted by Mikeypm
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
Jan 30th 2014, 4:47 pm
#13
Forum Regular
Thread Starter
Joined: Dec 2010
Location: Southern Alberta
Posts: 112
Re: one way insurance
Originally Posted by Dashie
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.
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.
Jan 30th 2014, 5:47 pm
#14
Forum Regular
Thread Starter
Joined: Dec 2010
Location: Southern Alberta
Posts: 112
Re: one way insurance
Originally Posted by gorleen
Thank you, I'll check it out.
Oh well, now to plan B.
Jan 30th 2014, 5:48 pm
#15
Forum Regular
Thread Starter
Joined: Dec 2010
Location: Southern Alberta
Posts: 112
Re: one way insurance
Originally Posted by gorleen
Turns out the maximum age for this one is 55, that rules all three of us out.
Oh well, now to plan B.
Oh well, now to plan B.
