Crashing in the USA / OHIP question

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I for one would never leave Canada without additional coverage.
My company doeds provide such insurance, so I never have to worry about it.
However. One time I did have a minor issue when in Virginia. It costed me 1,500 bucks for some routine checks.

When my friends organize a Deals Gap trip, we do not want any of out group traveling there without insurance.

A friend would not let another friend travel there to ride recklessly without propper insurance.
 
i have benifits from work with blue cross that aso includes Viator group travel insurance. 60days per trip
 
I was under the impression that your mortorcycle insurance policy would cover your costs (depending on our policy limits), if you were to get into a motorcycle accident. Blu cross is travellers insurance , which may not cover you in case of a vehicle accident which you already have insurance. Personally I think blu cross is a waste of money. I purchased a policy through them when I took a trip to Veges. When I was down there I had to visit a walk in clinic and got some tests and anti biotics. BLu cross and OHIP only covered the first 50 dollars of the 500 dollar bill. So I would be be very carefull when purchasing a policy through blu cross. Especially when you do it over the phone. I was fortunate my work benifits covered my costs.
 
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jonpurdy said:
Any recommended insurance companies to go with when traveling to the US? Preferably ones with just an online form and CC payment to make it nice and easy.
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CAA.
$68 for the year for 5 million coverage.
Can't go wrong.
 
With my current employer, I have some form of automatic travel insurance that automatically kicks in if the trip is less than two weeks long. If you have a Manulife drug card you may have the same thing.

Brian P said:
Not all health insurance is equal. Generally, riding a motorcycle on the road is considered a "normal" activity and normal travel insurance (e.g. Blue Cross) will cover you. As soon as there is a competition in any way, shape, or form, or off-highway events, then you had better start asking questions about the exclusions in the policies.
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Not only is "racing" excluded from normal policies, it's basically impossible to get it covered under ANY form of out-of-country health insurance. So think long and hard about doing track days in the US.
 
My highside at the Gap last yr. was a $9700 hospital bill....Thank god for travel ins. best $36 ever :)...oh and thanks to Jared Barnes for talking the tenn. state trooper out of a ticket or I probably wouldn't have been covered....ins. wanted a copy of the police report....no tickets, no report :) still took almost a yr to get everyone paid...hospital,doctors, radiology,ambulace....etc...
Trust me....travel ins... is not an option its a 100% MUST
 
Riceman said:
My highside at the Gap last yr. was a $9700 hospital bill....Thank god for travel ins. best $36 ever :)...oh and thanks to Jared Barnes for talking the tenn. state trooper out of a ticket or I probably wouldn't have been covered....ins. wanted a copy of the police report....no tickets, no report :) still took almost a yr to get everyone paid...hospital,doctors, radiology,ambulace....etc...
Trust me....travel ins... is not an option its a 100% MUST
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That's an important twist, the insurance company looking to see if you are at fault for your injuries. Insurance is great, collecting can be hard.
 
Riceman said:
My highside at the Gap last yr. was a $9700 hospital bill....Thank god for travel ins. best $36 ever :)...oh and thanks to Jared Barnes for talking the tenn. state trooper out of a ticket or I probably wouldn't have been covered....ins. wanted a copy of the police report....no tickets, no report :) still took almost a yr to get everyone paid...hospital,doctors, radiology,ambulace....etc...
Trust me....travel ins... is not an option its a 100% MUST
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Mixed emotions on the claim challenge.

1) The insurance company sold you a policy in case you might have an accident but having an accident is cause for disallowing a claim.

2) They see a run on the Dragon as a speed contest which is not covered. That could get into splitting hairs. Is one MPH over a speed contest?

I don't like the fuzzy direction this could go.
 
So Im heading to Georgia, USA for a training camp with school in February, 10 days. Insurance is mandatory (no brainer) Where can I go or call for insurance.
 
http://www.useblue.com/index.en.html

blue cross is another choice.

There's no reason to drop $50 on insurance if you intend on doing a motorcycle trip or anything else longer than a day or so. I think the risk ratio of not getting it when you go to the buffalo outlet malls is acceptable, but if you're doing a motorcycle trip to deals gap then it's definitely worth it.
 
mindactivated said:
http://www.useblue.com/index.en.html

blue cross is another choice.

There's no reason to drop $50 on insurance if you intend on doing a motorcycle trip or anything else longer than a day or so. I think the risk ratio of not getting it when you go to the buffalo outlet malls is acceptable, but if you're doing a motorcycle trip to deals gap then it's definitely worth it.
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A few years ago an older lady went cross border shopping to Buffalo and had a stroke or heart attack there. The hospital did everything they could do to save her but she died anyway. The family fought the charges but the hospital got about $150,000 from her estate.

Your gamble.

Also re-read my post and think about the hospital discharging you with a broken back. Save $50 and spend the rest of your life in a wheelchair, all over the price of a case of decent beer?

People have lost their homes over stuff like this. In some cases parents have lost theirs homes to bail out a kid who tried to save a few bucks.

One of my gripes about OHIP is that we never see the amount of the bill and therefore never put a value to the treatment. IT ISN"T FREE, it's hidden. In the USA it isn't hidden. Like I said, your choice.
 
mindactivated said:
http://www.useblue.com/index.en.html

blue cross is another choice.

There's no reason to drop $50 on insurance if you intend on doing a motorcycle trip or anything else longer than a day or so. I think the risk ratio of not getting it when you go to the buffalo outlet malls is acceptable, but if you're doing a motorcycle trip to deals gap then it's definitely worth it.
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No disrespect, but are you nuts? Insurance through CAA is something like $17 a week. You would go shopping in Buffalo to save a few hundred dollars but risk being down a few hundred thousand if you get seriously injured.

I used to use CAA as they are convenient (call, give credit card number, write down policy number and you're done). Never had a claim with them and am now covered so I don't need separate coverage anymore. I know someone that had a medical claim through CIBC insurance that went very well. If I had to buy insurance, I would give CIBC first shot as I have seen that they pay.
 
I have coverage thru TD Monnex (same as my bikes / cars / house ).

http://www.melochemonnex.com/en/travel/solutions

It provides me with coverage for unlimited number of 60 days trips out of country. I bought a 5 million dollar policy thru them and costs me roughly $130 / year. The 60 day trips is a bonus for me because I have been on a 5 week holiday before. Most allow only 15, 16 or 17 day policies and you have to 'buy' the additional days. I believe I have a 250 deductible, so only my first 250 I have to pay out of pocket, they will cover the rest.
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