Discovery Insurance Brokers Victoria
Discovery Insurance Brokers Victoria
  Discovery Insurance Services #26-1644 Hillside Ave.
Victoria, B.C. V8T 2C5
Tel: (250) 592-4887
Toll Free: 1-888-567-9555
Fax: (250) 592-4099
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Discovery Insurance Victoria BC
Discovery Insurance Victoria BC
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What happens when a mistake is made on a Medical Health Questionnaire - Travel Insurance in Victoria, BC

Are you looking for travel insurance in Victoria BC, here is something that you should consider before you buy your coverage. There has been lots of news stories lately about people who buy coverage and when then put in a claim they find out they do not have coverage.

So what happens when a mistake is made on a Medical Health Questionnaire?

We’ve all seen what can happen when customers make mistakes filling out their Medical Health Questionnaire forms. Recent media coverage has highlighted numerous cases where travel insurance companies have voided coverage and denied claim payments. In doing so, they have financially devastated some customers; all because of an honest mistake made when completing an MHQ.

At Travel Underwriters, we are the only major travel insurance provider in the country to offer an added level of protection, in the form of an MHQ deductible. If the claim is payable, rather than deny the claim based on an error in answering the questionnaire, TuGo a $15,000 deductible. As a result of the mistake, the largest financial loss the customer will have is $15,000.

Let’s take a look at a real-life example:

A 78-year-old man travelled to Texas to visit family and friends. While there, he had a sudden onset of acute chest pain and was rushed to the hospital where he was admitted for 3 days and treated for Pneumonia. He was discharged with medications.

When processing the claim, it was noted the man took 3 medications for a lung condition. These medications were not disclosed on the Medical Health Questionnaire at the time of application, and he indicated No to all questions.

He should have indicated Yes to 3 or more medications taken for a lung condition on the MHQ. However, instead of denying coverage for inaccurate information, TuGo applied a $15,000 deductible.

Hospital fees.................................................................... $32,793.72 CAD
Physician fees................................................................... $2,170.00 CAD
Pathology cost................................................................... $148.00 CAD
Ambulance cost................................................................... $1,240.00 CAD
Prescription cost................................................................ $212.79 CAD
Cost prior to deductions........................................................ $36,563.72 CAD
Provincial Health Plan contribution............................................. - $523.07 CAD
Deductible applied........................................................... - $15,000.00 CAD
Final amount paid by TuGo........................................................ $21,041.44 CAD

We strongly recommend that if you have any questions about your coverage that you are unsure of, You should review the Medical Health Questionnaire with your doctor.

At Discovery Insurance we can help with all your insurance needs in Victoria BC. We would be happy to provide a quote for Home, Tenant or Condo Insurance. We are available for ICBC renewals and all your Autoplan Questions.

We are open seven days a week, and in the evenings on Wednesday, Thursday and Friday. We are one of a few Brokers in Victoria BC open for Automobile insurance on Sundays.

 

Discovery Insurance Brokers Victoria Discovery Insurance Brokers Victoria
Hours of Operation
Monday:   9:30AM - 5:30PM
Tuesday:   9:30AM - 5:30PM
Wednesday:   9:30AM - 9:00PM
Thursday:   9:30AM - 9:00PM
Friday:   9:30AM - 9:00PM
Saturday:   9:30AM - 5:30PM
Sunday: 11:00AM - 5:30PM

Located at Hillside Centre

Discovery Insurance Brokers Victoria

 

 

Discovery Insurance Brokers Victoria
Discovery Insurance Brokers Victoria
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