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jeda4137

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    Calgary

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  1. He may have developed allergies. Took me years to figure out why I was getting so many - COLDS !
  2. You can join Alberta Council on Aging . open to anyone - might be a $25.00 fee they will tack on to your monthly payment . Yes - can only pay by the month . Have to commit for the whole year starting in Sept. and ends ends of August of following year. They offer 17 and 35 day plans . Can then travel as often as you like during that year. They offer 3 levels of coverage with questionaire with first 2 and last plan - no questionaire required - but still have to have 3 months stability with meds and any other issues. Did use it for years when younger , but finding it really expensive now that we are older. Never did have any claims - so cannot comment on that part of it.
  3. I agree dojng I agree doing this in person is the best way to handle any concerns. Always like to poke around first online . Gives me ideas to address concerns. Thnaks again.
  4. Thanks again ! somewhat different from what I saw , but still nervous when readfing some of the wording above. The part of ": except for the wording under sub-heading Pre-Existing Medical condtion Stability exclusion" seems kind of grey to me. I am just too suspicious I guess after reading about the $150,000. I guess it would be best to have a conversation with some of these Companies to have more explanation. Thanks again - Much appreciated !
  5. Checked out Tugo and the one I looked at would only cover $150,000 if it was the issue they were covering with the 7 day stability. Everything else would still have the regular coverage. Maybe I missed something - but I would not be comfortable with such low coverage. Thanks anyways for the suggestion. Great site to ask questions.
  6. My concern is needing stability period when meds can change- there fore was wondering if 7 day stability would be better. Don t want to pay for a whole year and then unable to travel because not enough stability time. If all is stable for at least 90 days and preferabley the whole year then annaul plans make sense.
  7. As we age out of country medical or trip cancellation /interuption seems harder to obtain. Most have aminimum of 90 day sometimes 6 months or even longer depending on ones health. Depending on Medication sometimes necessary to go for blood work every 30 or 90 days - so long term planing is very diffcult. Buying insurance for the whole year does not change anything as one always has to alert company of any changes even when paid up for the year. Then they will usually exculde that condition from coverage. Had that happen to friends and would not let them cancel or honour trip cancellation part, due to reason of no proper or full coverage would be in effect. They made the hard choice to travel without full coverage as did not want to lose fare or the trip. Their policy was in effect for the year - Sept to end of August. Anyways the question is has anyone used that kind of policy and maybe had to make a claim for condition that was part of the issue - that only 7 day coverage would be available? If so how did your premiums compare to just buying regular insurance with maybe at least 90 stability? Trust first hand experiences before Insurance co sales person.
  8. Yes - it is a bit dark was our issue. We overcome a bit of that with leaving the TV on to the aft channel - giving the impression that there was a picture or something to brighten up that space. . the first thing you see when entering the cabin is a blank wall ahead as the patio doors are off to the side in almost a bit of an alcove with the sofa .Overhead Fred - you are right when you say the layout did seem to give the room a bit more space . Just did not like the dark feeling - but if the price was right - might have to think about it so maybe not all that bad.
  9. Spent 21 days on K #4044 4 years ago. Half of that deck does belong to #4042 - however #4044 still has a larger deck then regular balcony cabins. # 4042 was very large - and #4046 was regular dept , but extra long. Enjoyed the deck , but not sure about the cabin.
  10. Thanks for the info. Probably only available in B.C
  11. Name of Company offering 7 day look back for pre existing - do you use. Have you ever had a claim with them?
  12. At a CAA ( AMA in Alberta ) info meeting a few years back., they said invovlving 2 different Insurance was not a good idea. Said if there happened to be a medical issue while the first policy was in effect -by the time the first one ran out , the second one would say it was now pre existing and would not want to cover for the extra few days. Have no idea if that would really work that way - but do not want to find out first hand. May have been CAA (AMA) idea of trying to keep all the business for them selves.
  13. Thank you all. I guess it is not only the checked luggage to worry about , but will we get on the next leg of our trip!!
  14. While not a cruise related question , still a travel concern. Will be travelling between Calgary and Halifax later this month with a 1 1/2 hour layover in Toronto, Any one have experinced lately having checked luggage arrive safely at final destination or is it still a big mess? Not sure only carry ons will work for us.
  15. Medical travel insurance will usually stop at age 65 for most credit cards - however 2 years ago (begining of Covid) we were pleasantly surprised to find out trip cancellation and interuption was still covered even when over 65. We cut our Mexican all inclusive resort holiday by a week because of so much unknown (March15/2020). BMO M/C covered unused portion of vacation as well as flights home - because we were unable to wait another week for Sunwing. That was 2 years ago - so who knows if all that has maybe changed now.
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