Where to find travel insurance for a dialysis patient?
Your Dad’s Canadian health coverage should pay what it would cost to have the treatment at home. Travel insurance for Canadians only pays the costs (if any) in excess of this amount. Insurance is based on risk, sorta like betting. To oversimplify a little, f you’re getting insurance against some occurance and your insurance costs you one-tenth of what that occurance would cost you, then you’re betting that there’s a one-in-ten chance of that eventuality. If there’s a 100% chance of the event occuring, you’re going to pay 100% of the cost — an insurance company can’t make it magically cost less.
I live in BC. When I travel south, I walk into any insurance agent and ask for medical travel insurance. They sell me the insurance with no questions at all asked about my medical situation. The restrictions of the coverage are for pre-existing conditions. It will still cover MVA’s (probably the primary reason that I buy medical insurance) and other situations not resulting from a chronic condition I have.
