The recent episode of CBC's Marketplace highlighted some of the problems in the sale of Travel Medical Insurance and how claims are denied and families ruined financially.
The upshot is that buying Travel Medical Insurance from an unlicensed sales person (usually a travel agent) can be very dangerous for your health and your finances. The complexity of questions on the travel medical application can sometimes make it very difficult for individuals to know how to answer correctly.
The problem is not with the product, but with the applications, and with the sales people. If you're looking for travel medical insurance, we strongly suggest that you purchase from a licensed insurance professional. Most of us are able to offer the coverage you need, but can offer professional expertise when completing the applications to assure that you have the coverage you think you do.
There are also some excellent alternatives to traditional, single-trip insurance, such as term travel insurance.
You wouldn't make travel arrangements through an insurance advisor, why do people buy insurance from non-experts such as travel agents and bank clerks?
Yours in health, wealth, and security,