Real Claims Experience

Broken your toe?

A 43-year-old man from BC was just beginning to enjoy his three-week vacation in Hawaii when a broken toe brought him to a local clinic. Once the problem had been treated, and he had paid the $500 bill, he limped back to his hotel and used the in-lobby Internet to file his claim over the Web. He faxed our insurers the bill and his signed claim form, dropped the originals in the mail, and received his cheque shortly after he got back home.

Fainted?

A 72-year-old man spent $150 to buy coverage for a two-week trip to North Carolina. On the last day of his trip he fainted and was taken to hospital, where doctors treated him for arterial fibrillation. Our insurers arranged an air ambulance to return him to Ontario, at a cost of almost $13,000 CAD. This trip included "door-to-door" service, with ambulance transport to the airport, and then to the hospital in Ontario. This trip plus the hospital bill added up to over $100,000 which was fully covered.

Unforeseen injury?

A 21-year-old student from Mexico was making some dinner to remind himself of home. As he opened the can of extra-hot chili, he slipped and cut his finger, nearly severing a tendon. He got himself to the nearest hospital, where the doctors determined that he needed surgery to repair the tendon and close the wound, plus physiotherapy to regain full use of the hand. Total cost of this claim was $3,865.

Sick child?

An 11-month old child travelled to the US with her parents. They spent $49 to purchase insurance for the trip. Five days into the trip, the child began running a fever and suffering from ear pain. Her parents took her to a clinic, where she was diagnosed with influenza and otitis media. She was treated in the ER and sent home without being admitted.. Our insurers paid the medical provider directly, so the parents were not out-of-pocket any funds.