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Travel Insurance For Diabetics In Canada

Life Insurance With Diabetes

Life Insurance With Diabetes

Posted on November 23, 2014 by InsurEye Inc. Welcome to your guide on non-medical life insurance withdiabetes. This page will give you a good understanding of this topic, will inform you of savings opportunities, and also provide a number of other useful tips based on our publications.We will also help you to ind best life insurance quotes across more than 20 top Canadian insurers. As the name suggests, non-medical life insurance assumes no medical tests when issuing a policy, as opposed to a traditional policy where medical tests (blood test, blood pressure, etc.) are required. Some types of non-medical life insurance do not require the completion of a health questionnaire either, thus, non-medical life insurance is often a good choice if you have diabetes (though it is typically more expensive than traditional life insurance). It is worth mentioning that, though it is difficult, sometimes you can qualify for traditional life insurance with Diabetes. Insurers consider six different variables when assessing your risk with respect to Diabetes: 1. Insulin-dependency, 2. age, 3. duration of diabetes, 4. insulin control, 5. renal damage, 6. height and weight. Insulin-dependent diabetics will have more difficulties getting life insurance. In some cases, non-medical life insurance is the only way to get coverage. Types of non-medical life insurance to consider in diabetes cases There are basically two types of non-medical life insurance that might be available if you have diabetes: 1. Simplified issue life insurance: This policy requires no medical exam but still has a number of health-related questions youll have to answer. Typically, the longer the health questionnaire, the lower the insurance premiums are. A typical policy limit is $150,000, and if you were denied life in Continue reading >>

Finding Travel Insurance When You Have Diabetes

Finding Travel Insurance When You Have Diabetes

Finding travel insurance when you have diabetes Finding travel insurance when you have diabetes Having diabetes shouldn't prevent you from living a full and rich life. Certainly diabetes can pose its challenges but it shouldnt stop you from fulfilling your dreams and seeing the world. It may be tricky to find travel insurance that covers diabetes, but that's why we're here!After all having a pre-existing medical condition can be tiring, so going on holiday may be just what the doctor ordered! The general rule of thumb is that insurers do not cover conditions that already exist before your trip and many will require a medical evaluation before you are given the green light However, most insurers do have a list of 30 (or so) conditions that they automatically cover (hurrah!), including illnesses such as diabetes, asthma and osteoporosis. Conditions do apply. On the other certain some conditions will require a medical assessment before cover can be granted, which may cost you an additional premium. Lastly there are conditions that are commonly not covered at all such as cancer, mental illness and heart conditions. It's also worth bearing in mind that insurance companies may view the risks around type 1 or type 2 diabetes differently. Your condition would thus be assessed based on the type of diabetes you have. To getautomatic diabetes cover, the following conditions apply: - You have not been diagnosed with Hypercholesterolaemia,Hypertension or a known cardiovascular disease - You have no vascular,nerve,kidney, or eye complications - You were diagnosed prior to a certain time period e.g. within the last 6-12 months The following table highlights which insurers automatically covers for diabetes, and/or whether a medical assessment is required before obtaining cover.Mouseov Continue reading >>

Coverme About Us

Coverme About Us

CoverMe from Manulife offers a comprehensive selection of insurance solutions to meet the emerging healthcare needs of Canadians. Our unique health and dental plans for individuals and small businesses are designed to fill the gaps left in provincial health insurance plan coverage. Our critical illness insurance plan offers extra help on the road to recovery. Our affordable life insurance solutions offer individuals and families financial security. Our travel insurance plans provide financial protection to travelling Canadians and visitors to Canada. Canada was not yet 20 years old when The Manufacturers Life Insurance Company (Manulife) was incorporated by an Act of Parliament on June 23, 1887. Sir John A. Macdonald, Canada's first Prime Minister, was elected President of the company. Manulife has pioneered numerous innovative ideas in insurance. The company was one of the first insurance companies to offer life insurance to women on the same basis as men, the first North American insurance company to offer insurance to individuals with controlled diabetes, and one of the first Canadian life insurance companies to offer lower-premiums for non-smokers It was also the first insurance company in Canada to embrace computer technology for use in its business operations back in 1956. Manulife is a leading Canadian-based financial services group, serving millions of customers worldwide. With our solid Canadian presence in offices in most major cities from coast to coast, it's easy for you to do business with us wherever you live. Continue reading >>

Team Up Against Diabetes

Team Up Against Diabetes

We are committed to preventing diabetes and its related complications 1 in 3 Canadians is currently affected by diabetes or prediabetes.1 The good news: type 2 diabetes can be prevented. Thats why Sun Life is committed to slowing the advance of diabetes and its related complications, by improving the health and wellness of our clients, employees and the community. Sun Lifes purpose is to help clients achieve lifetime financial security and live healthier lives. Our focus on holistic health physical, mental and financial well-being helps Canadians be healthier and more financially secure, and lead longer, more productive lives. Our Employees have overwhelmingly shown their support through signing up for biometric screening, supporting our partnerships like the Walk to Cure Diabetes a national event with JDRF (Juvenile Diabetes Research Foundation) and creating and sharing great diabetes information. Our national and regional partnerships help to educate and raise awareness about diabetes in communities from coast to coast to coast. Were working to beat this disease by funding research chairs, online health checks, screening clinics and scientific exhibits, by helping at-risk children become more physically active, and more. 1 in 3 Canadians is affected by diabetes and prediabetes.1 Find out if you are at risk of developing type 2 diabetes through this quick assessment. Continue reading >>

Diabetes Travel Insurance At World First

Diabetes Travel Insurance At World First

Home > Travel Insurance Quotes > Medical Travel Insurance > Blood Disorders Travel Insurance > Diabetes Travel Insurance Diabetes travel insurance from the expert medical travel insurers Whether you have type 1 or type 2 diabetes, we're happy to give you great value travel insurance. We offer a choice of policies to suit you and your needs, pocket and circumstances, with up to 10 million worth of medical expenses available with our Superior policy. All policies also include the cost of replacing medication that's lost or damaged on your travels. And you'll have 24 hour access to an expert medical assistance team, no matter where you are in the world. But we know the practical things are important too. That's why we give you protection against delayed flights, missed departure, trip cancellation or abandonment, lost luggage and travel documents as well as personal liability costs. We'll even give you legal assistance if you need it. No holiday cover travels better. If you'd like to talk to one of our customer service team, call us on 0345 90 80 161. Alternatively, you can get an instant quote online. "Being a type 2 diabetic and having an autoimmune liver disease, obtaining reasonable travel insurance online was impossible, receiving quotes of circa 1000 for 21 days in America. Fortunately, I found World First who considered my proposal based on detailed information rather than "do you suffer from". The consultant was friendly and professional and amazed me with a quote that was circa 160. I would highly recommend this company, particularly if you suffer from any chronic disease, they will do all they can to cover you at a reasonable cost." Continue reading >>

Super Visa Insurance Diabetes

Super Visa Insurance Diabetes

Place all the diabetes supplies in the carry-on luggage. Keep medications and snacks at your seat for easy access. Don't store them in overhead bins or checked luggage. If a meal is to be served during your flight, call ahead for a diabetic, low fat or low cholesterol meal. Wait until your food is about to be served before you take your insulin. If the airline does not offer a meal, carry a nutritious meal yourself. When drawing up your dose of insulin, do not inject air into the bottle as the ait in the flight will probably be pressurized. Reduce your risk of blood clots by moving around every hour or two. Canadian Super Visa has brought a great opportunity for those who aspire to reunite with their parents or grandparents. The most important and mandatory requirement is to purchase health insurance from a Canadian insurance company. The requirements for super visa insurance include the following details: Be issued by a Canadian insurance company Be valid for the one year period you specify at the time of purchase Include the necessary health care, hospitalization and repatriation coverage Provide a minimum of $100,000 in coverage, although you can opt for more Such medical insurance has to be purchased for minimum one year. The expenses for hospitalization for visitors to Canada can amount to over $3,000 per day, and air ambulance charges to return you home could very easily be in the tens of thousands of dollars. We recommend $100,000 of medical insurance coverage. This will ease your financial burden due to unforeseen charges and give you a peace of mind which everyone is looking for. Some insurance companies offer plans that cover pre-existing conditions as long as they have been stable for a certain period of time (3 to 6 months) before departure from your home c Continue reading >>

Diabetes In Canada: Great Coverage, Ay?

Diabetes In Canada: Great Coverage, Ay?

We recently launched a series on Diabetes Around the Globe because while diabetes doesn't discriminate, life with diabetes looks very different depending on where you are in the world. We started off with Mike, a British ex-pat living in Spain, followed by Anke from Germany. Today we bring you Jamie, from the Great White North a.k.a. Canada! Jamie Naessens lives in a small town in Ontario, and works in Toronto. She's the mom of a twentysomething and is married to an American ex-pat. Jamie has lived with type 1 diabetes for 21 years and has been pumping for the last four. Buckle up as she takes us on a brief tour of what it's like to live with diabetes in Canada... A Guest Post by Jamie Naessens So, Canadians are almost the same as Americans, aren't they? Except they have free health care, right? Hanging around in a town like Petawawa, you might hear: "So, how is it going, eh?" (So, how'zitgoin'ay?) "If ya got one, I need a ... loonie ($1 coin, named for the loon engraved on it) for that parking meter, or a toonie ($2 coin, rhyming nicely with the loonie) if we're going to be waiting here any longer for that endo appointment." "Let's go to Timmies (Tim Horton's - Starbucks of Canada) afterwards for a double double to go" (coffee, double cream, double sugar). And finally, who can't love a country that has places with names like Spread Eagle, Conception Bay, and Dildo. Really! I kid you not. Well, now that I hopefully have your attention, let's get back to the question of free health care. It's a nice idea, and it is indeed tax-supported, but alas, it's no free ride. Most people who have been touched by diabetes already know that Canada is the birthplace of insulin and its discoverer, Dr. Frederick Banting, so shouldn't diabetes care be a shining jewel? Well perhaps there' Continue reading >>

5 Tips: Cheaper Life Insurance For Diabetics

5 Tips: Cheaper Life Insurance For Diabetics

5 Tips: Cheaper Life Insurance For Diabetics 5 Tips: Cheaper Life Insurance For Diabetics When you have a chronic illness, youre in a real dilemma when it comes to life insurance. You may need it more than others. However, insurance companies make you pay if you have a condition, particularly if its a serious, progressive one such as Type 2 diabetes. A Lack Of Coverage Where Its Most Needed According to a 2012 survey, roughly half of Americans with a chronic condition dont have life insurance at all. Why? Because theyre afraid theyll be rejected or the cost will outweigh the benefits. While Canadians are arguably better off day to day in this regard due to our universal health care coverage, diabetics still face steeper life insurance costs. Some good news in recent years, insurance companies have be reassessing mortality rates from common chronic illnesses and have discovered that people with conditions including diabetes, high blood pressure, asthma and some cancers, are living longer than ever before. With that, they have adjusted their life policies to give people with chronic conditions better rates particularly if their disease is under control. Here are a few ways to score cheaper life insurance for diabetics. How Diabetics Can Get Lower Insurance Rates Apply early: The less your disease has progressed, the better. Newly diagnosed, very healthy diabetics will get a more desirable rate than those who have had the condition longer and are experiencing side effects. Ace the test: You will be asked to take a medical exam, so be prepared. Be sure youre well rested, have taken all your medication, have eaten well over the previous 24 hours. Quit smoking: Smoking massively impacts your insurance rates, quitting is good for your health and your pocketbook. Shop around: Continue reading >>

Travel Insurance Guide For Those With Diabetes

Travel Insurance Guide For Those With Diabetes

Lets face it, traveling can be a nerve-wrecking experience. There are so many uncertainty factors that can occur and leave you stranded in a very undesirable situation. As a diabetes patient, you have even more to worry about other than catching the next flight, hoping they have your diabetic meal ready, and praying that your luggage will safety arrive at the destination ready for pickup. You have to worry about how to handle unforeseen health problems that may arise during flight or while you are at your destination. But worrying can only cause unwanted stress and fluctuation of your blood level. Instead of spending the time to worry, why dont you spend the time to better plan and prepare for your trip. In this article, we will discuss about why it is a great idea to invest in a travel insurance in the first place. We will explain how your current Medicare plan policies are extremely limited regarding to foreign location health coverage, and why your Medigap supplement plan is simply insufficient for traveling emergency expense needs. We will introduce you to a list of insurance companies that are willing to overlook diabetes as a pre-existing condition, and provide you with three best policy choices in our opinion. And to help you lower your insurance cost, we have provided you with some alternative options and suggestions that may be overlooked. We hope that by providing you with various solutions, you will be looking at traveling and travel health insurance at a new angle. One of the ways to ease your distress is to get yourself a travel insurance policy. By simply paying for the service ahead of time, you can end up saving a lot of money and easily resolve numerous traveling nightmares such as: You missed your flight or your flight has been canceled Your bags are Continue reading >>

Visitor Health Insurance For Travellers With Diabetes As A Pre-existing Condition

Visitor Health Insurance For Travellers With Diabetes As A Pre-existing Condition

Visitor Insurance for travellers with Diabetes Visitor Health Insurance for travellers with Diabetes as a pre-existing condition Pre-existing Coverage F2 Visa Pre-existing Article Compare Plans Diabetes commonly referred by doctors with the medical terminology Diabetes Mellitus is a disease where the person has high blood sugar level either due to bodys inability to produce adequate insulin or the body cells do not respond to insulin properly. Initial symptoms include frequent urination, increase in thirst and hunger. In 2013 it was estimated that around 382 million people in the world had diabetes. Type 1 Diabetes: This type of Diabetes affects approximately 10% of the population. In this type, body does not produce insulin. People with Type 1 diabetes have to take insulin injections for the rest of their life. Type 2 Diabetes: In this type body does not produce enough insulin. This type affects 90% of the population. Gestational Diabetes: This affects the females during their pregnancy. Patients with Diabetes have high risk of heart diseases and hence they need to ensure the blood pressure and cholesterol levels are monitored and maintained. Diabetes is primarily self- managed disease. This include usage of supplies like a test strips, meters and insulin. People with diabetes who are traveling abroad are often concerned about coverage for diabetes as it is treated as a pre- existing condition. In the US, it was earlier virtually impossible to get health insurance for diabetes but after the Affordable Care Act was passed in 2010, the availability for health insurance has been made easier and affordable for individuals with existing ailments. However the Affordable care act is only applicable to domestic health insurance covering US citizens and US residents, it does n Continue reading >>

Diabetes Travel Insurance

Diabetes Travel Insurance

Saturday - 9am- 5pm, Closed Bank Holidays Cover for all types of Medical Conditions Cover for all types of Medical Conditions Competitive rates - get a quote in minutes Arranging travel insurance for people with Diabetes is easy with OK to Travel. We offer cover for diabetes type 1 and diabetes type 2, taking into consideration any associated medical conditions you may have been diagnosed with. Our diabetic travel insurance policies are designed to meet the needs of your travelling companions too, if you are insured together on the same OK to Travel policy this means that your companions will receive the same benefits and quality cover as you. Many travel insurance schemes exclude cover for existing medical conditions and the low prices offered can be tempting. However, buying a policy that includes cover for your diabetes may be the very best way to ensure youre protected from having to pay out for expensive medical bills abroad should your diabetes cause you any problems. OK To Travel offer competitive and fair rates for people travelling with diabetes and our quotes reflect the level of cover required to meet individual needs. Diabetes affects people of all ages and we aim to insure children with diabetes as well as adults. We dont have an age limit on our single trip policies up to 3 months or our annual multi-trip insurance and providing youre a Republic of Irelandresident, you're eligible to apply for an OK To Travel policy (children under the age of 18 must be insured with an adult). You can apply online using our quick quoting system at the top left-hand side of this page, under 'Travel Insurance Quote'. Alternatively, we have a professional team of medically informed advisers ready to take your call on 0144 75200. In order for us to provide you with a diabetes Continue reading >>

The Sweet News About Diabetes And Life Insurance

The Sweet News About Diabetes And Life Insurance

While October 31st usually brings an influx of sweets into the house, November 1st ushers in a timely reminder not to overindulge in all those Hallowe’en treats sitting in the kitchen drawer. That’s because November is Diabetes Awareness Month — a serious call to arms to take stock of your health so as not to join the skyrocketing number of Canadians living with this serious disease. The statistics issued by Diabetes Canada say it all: 11 million Canadians are living with diabetes or prediabetes Every 3 minutes, another Canadian is diagnosed with diabetes 1.5 million people are living with the disease and don’t even know it With numbers like these, chances are that diabetes affects you or someone you know. Know that the rich and famous aren’t immune either: celebrities including Tom Hanks, Larry King, Salma Hayek, Nick Jonas and Drew Carey are all living proof that diabetes can strike anyone at any time. So who is more likely to come down with this disease that comes in not one type, but two? (Type 1 is a total lack of insulin; Type 2 is the body’s inability to use insulin effectively) Well, certain factors can predict whether you’re more at risk: Diabetes runs in your family You’re overweight You’re a member of a high-risk ethnic group You had gestational diabetes Your cholesterol levels and/or triglyceride levels are outside the accepted norm You have high blood pressure If any of these factors describe you, a simple blood test can tell you where you stand. Routine diabetes screening normally starts around age 45. If you don’t have any of these risk factors, then know what signs and symptoms to look for. While Type 2 Diabetes usually doesn’t have any symptoms, they may occur when blood sugar levels are abnormally high and are similar to Type 1 sy Continue reading >>

Pre-existing Medical Conditions Covered Under Canadian Travel Medical Insurance

Pre-existing Medical Conditions Covered Under Canadian Travel Medical Insurance

Travel Medical Insurance Coverage for Pre-Existing Conditions Travel medical insurance for Canadian travelers who have pre-existing conditions: if you want to have coverage for your pre-existing condition in the event of an unexpected emergency related to this condition during your trip, make sure that your condition has been STABLE within a STABILITY PERIOD before the policy effective date (or departure date),as it is defined in the policy. Generally, a pre-existing medical condition is considered STABLE, if there was no change in medication (increase, decrease, stopping, new medications), no new symptoms, no new treatment or tests, new medical consultation or referral to a specialist, no hospitalization, no test results showing deterioration, no new diagnosis within a stability period before the policy effective date (or departure date). STABILITY PERIOD may vary from 60 days to 365 days depending on the plan, your age, your answers to medical questions on the application (if medical questionnaire required). TuGo Traveller Travel Insurance covers pre-existing conditions with a 7-day "stability period", if you are under 60 years of age and your trip does not exceed 35 days. With Travelance Travel Insurance , a 60-day stability period is available for travelers under 60 years of age. For applicants 60 years old and over, stability period may depend on the plan they qualify for, based on their medical questionnaire. Options you have if your pre-existing condition is not stable If your pre-existing condition does NOT meet the stability requirements, you may be eligible for TuGo Quest Travel Insurance (for ages 55+) that provides limited coverage for unstable pre-existing medical conditions (a 7-day "stability period" applies, anyway). The Reduced Stability Period option Continue reading >>

Too Sick For Travel Insurance? Think Again

Too Sick For Travel Insurance? Think Again

Too Sick for Travel Insurance? Think Again Think youre too old or too sick to travel, even though there is nothing you would rather do? Think again. Thanks to a proliferation of travel insurance plans in the United States, Canada, and across the globe, almost anyone with a pre-existing condition that has been stable and controlled for a certain period of time can find some protection from the potentially catastrophic costs of encountering a medical emergency abroad. Your coverage may not be universal. It will involve some limitations and co-payments, and it will likely require complete and honest disclosure by you of your medical condition. So you need to do your homework. But thats a small price to pay for the protection you need during that trip you have been hoping for, perhaps dreaming of. I am often contacted by people diagnosed with heart conditions, cancer, or other illnesses who say their doctor has cleared them for travel, where can they find health insurance? I invariably tell them that their doctors clearance is not what matters. They need clearance from the insurer taking the risk of covering them, and they need to understand that when their insurer specifies their condition must be stable and controlled, they must know exactly how that is defined in the insurers policy contractnot how it is defined in some dictionary, or by their neighbour, or even by their doctor. And forget about your lawyers definitionthats the most confusing of all. Stable and controlled usually means that over a specified period of time the condition in question has not required treatment, hospitalization, or a change in medication; has not shown deterioration of any kind or a recurrence of symptoms; and has not required the intervention of a medical professional to make things right. Continue reading >>

Insurance & Your Rights

Insurance & Your Rights

What is Diabetes Canadas position on insurance for people living with diabetes? Diabetes Canada believes that people with diabetes should be able to obtain insurance coverage of all types at a reasonable cost. Read the Diabetes Canada's full position statement on insurance , including background and rationale. Do I have to tell my insurance company that I have diabetes? Yes. The insurance act of every province and territory specifically requires an applicant for insurance to disclose every fact within the persons knowledge that is relevant to an application for insurance. A failure to disclose your diabetes could render the contract voidable by the insurer. Once life or disability insurance has been issued, you do not need to report any subsequent changes in health unless you apply for increased policy benefits. How will my applications for insurance be affected? Most people with diabetes find it more difficult to obtain or renew at an affordable cost insurance of all types: vehicle, mortgage, term/life and travel. Most insurers take into account the type and severity of diabetes when considering applications. The insurance company attaches a medical rating to the policy based on the type of diabetes, the length of time since diagnoses, how well the disease is managed and the presence or absence of complications. This rating then determines the price of the policy offered. In some cases, an insurer may determine the risk is too high to offer insurance coverage. What is a pre-existing medical condition? It is any medical condition that you had before applying for insurance. Most insurance policies will not cover any claims related to the pre-existing condition. How does diabetes as a pre-existing condition affect my insurance? When applying for life or health insurance, Continue reading >>

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