What travel insurance really means

Because I'd be willing to bet $100 that he did.

Am I sure? No. It is impossible to be sure. But I think it's highly likely considering the detail of the article and my difficulty in imagining why he'd put so much effort into a lie that could land him in hot water.

So, let's dump the idea that people can't take action no matter how small unless we are 100% sure of something. Almost nothing is 100%.

But things can be likely. Put your money where your mouth is.

If we get enough people in the pool, perhaps we can cut in the author of the article in return for documentation.

They make you fill out medical forms that are written by lawyers and for lawyers. Any minor mistake on the form is grounds for denial for any claim. So if you forgot you stubbed your toe 11 months ago, your aneurysm isn't covered. For one man interviewed they used unintentionally undisclosed GI bleeding to deny his claim for a heart attack. Even though his GI bleeding had nothing to do with his heart attack.

The form is impossible to fill out 100% correctly 100% of the time. The issues are:

-Patients, especially the elderly, a unaware or forget some things in their medical file, or the doctor explains things a different way than the form asks.

-You have to read the fine print of all of the definitions because they have "gotcha" clauses, such as the definition of "cardiac treatment" including diagnostic tests that didn't result in any diagnosis.

-Travel agents/salespeople give incorrect information to people who have questions about the form, even though they aren't authorized to give any information or assistance.

They suggest contacting your doctor if you have questions filling out the form but even if you were a doctor with full access to the patient's medical file, the doctor might still get the "legalese" wrong.

I have family in Canada who come and visit the US. They buy the insurance. One of them had a heart attach while in the US. Insurance paid something like $50,000 to put them on a private medical jet back to Canada. Far cheaper than having the care in the US.