Archenemy said:
Have you made any health claims on that insurance? I bought 'travel insurance' for my spouse as well but from what I understand, they have the right to not extend your travel insurance after a claim. Does that mean that we should not claim for simple doctor consultation and save the insurance for hospitalization/emergency?
I have claimed on it - however 2 things:
First, i go to a free doctors clinic service (on a Friday morning) if i have any concerns over anything minor-ish. This has no impact on my travel/health insurance
Second, i recently banged my knee up playing soccer and the insurance wouldnt pay for a MRI scan (as it was exploratory and not an 'emergency') although they did pay $500 for the physio treatment.
I took out cover for a 6 month period, so i currently still have coverage, but after this i will see if they increase my premium or has happened in the past they will not covers omething i declare to have had treatment on previously (in this case my knee).