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Canadian diagnosed with brain tumour in Thailand has travel insurance declined because he had the flu a month ago

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1 hour ago, manxcay said:

If I had any type of cancer i'd just have cannabis oil, here's reputable research showing that cannabinoids have anti cancer properties in brain tumours. Someone who knows him should probably pass this information on to this guy.

 

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5964193/

what about Linux ?

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11 hours ago, Denim said:

Scandalous.  One of the reasons I prefer to self finance rather than trust in the small print of an insurance policy.

 

For those who prefer to have insurance make sure you have enough cash or alternative method of payment in case your insurance won't cough up.

 

Otherwise ....... Go fund me will be your next stop.

   Isn't it amazing ? ? ?    You go to all the expense of arranging for insurance...   you pay the insurance companies your money... often thousands of dollars that many older people on pension don't have.... and when you need the help... the insurance companies will sometimes refuse to come to you aid anyways... 

     Your left out in the cold...  you've lost your money to the insurance company.. and you still need to pay for your medical aid..  

     Damned crooks...

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1 hour ago, Sheryl said:

 

Of course it was there. And not just a month ago. Many months, possibly years, ago. But it was asymptomatic as brain tumors often are initially.

 

Brain masses cause symptoms  only when they impinge on certain parts of the brain or take up enough space to increase intracranial pressure . Until then they can be totally asymptomatic.

 

There is no reason on earth for the hospital or doctor which treated him for the flu, nor nay other doctor  he may have seen in years prior for unrelated issues, to have detected this until it became symptomatic

 

. Brain scans are not automatic on all patient visits and for very good reason. 😒

Like I said, Canada's health care is pathetic. My mother went to hospital so many times for neck and back pain only to be given pain killers and finally pain blockers for 35 years. When she was 78 she came to Thailand for a visit. I took her for an MRI. Doc here said good news and bad news. Good news is we can cure your spinal stenosis. Bad news your too old and feeble and wouldn't survive the operation. So why didnt medical practitioners in Canada not know she had spinal stenosis all these years? Because they are too incompetent to do basic diagnosis. 

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1 hour ago, Sheryl said:

Nobody does thorough medical exam, or even usually any medical exam, for issuance of a travel policy.

Which is why I said he would most like have had an exam, leaving open the possibility that there may be some exceptions.

 

According to Cigna, as an example:


 

Quote

 

Article | July 2018

What is a Pre-Existing Condition?

 

  Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.

 

Of course in the US issues with pre-existing conditions

 

Quote

The ACA made it illegal for health insurance companies to deny you medical coverage or raise rates due to a pre-existing condition.

Although the ACA wouldn't matter to these people.

 

But the definition given by Cigna simply refers to "A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.”"

 

It's something that existed before you started the insurance. No mention of the applicant knowing about it.

 

1 hour ago, Sheryl said:

and insurance would be almost pointless.

As these people have found out. In their case it was pointless. And I'm sure , at least for the first year or two of coverage, the medical insurance being forced on O-A visa and extensions  holders, it will be almost pointless. And when I inquired about insurance with Pacific Cross, the medical examination they required was extraordinarily thorough and yes I realize I wasn't considering travel insurance.

 

 

 

 

Edited by Suradit69

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Doesn't seem like a travel insurance claim to me. Med insurance for sure, but travel? 

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It's clear as to how the travel insurance provider has refused the claim.  A massive brain tumour doesn't appear overnight and therefore a pre-existing condition was evident on the basis of fact.

 

We have to put facts and the minutiae of the policy exceptions ahead of moral sensibilities however much it hurts [no pun intended].  

 

I wish the Mr Witmer and his loved ones all the best.  

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Kitchener resident Alex Witmer and his wife Jennifer Witmer, who had been living in Moncton for the last five years, quit their jobs earlier this year and went on a six-week trip to Thailand before planning to relocate to Toronto. 

 

My apologies for not having read all posts on here, but I do have my doubts reading this article.

 

Both quit their jobs "earlier this year" and went on a six week trip to Thailand before planning to relocate to Toronto????????

 

   Why would anybody leave his country without having an address and travel to Thailand when it all in a sudden turns out that the poor guy has cancer in his brain?

 

I really feel very sorry for the poor guy, my sister had a cancer group for 25 years and was awarded with the highest award you can get in good old Germany. 

 

  All I'm trying to say is that I'm aware how serious such a diagnosis is when it hits you out of the blue.

 

IMHO, it doesn't make much sense that they couldn't just fly back and get treatment back home. How can they blame the insurance company for not paying, as they might be aware that he perhaps knew of something he didn't tell others?

 

All I see is that they do not have an address back home, so it's easier to get treatment in Thailand, if the insurance would pay for it.

 

 I had an accident in Thailand where I broke my leg four times and the Thai doctors messed my leg up that I had to leave Thailand to get my leg done back home.

 

  But I had to get back into the insurance because I've lived in Thailand for so long, which was easy because I had some help from friends.

 

  No insurance in this world would want to pay for expensive brain surgery, chemotherapy and what else this poor guy might need.

 

  I somehow understand that his "headache" before could mean anything.

 

There's something what he didn't tell the insurance and why did he not fly back home to seek treatment which takes a very long time. 

 

I hope that he'll be fine soon and wish him best of luck. 

 

  

 

        

 

 

   

 

 

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40 minutes ago, revup said:

Doesn't seem like a travel insurance claim to me. Med insurance for sure, but travel? 

Unbelievable! Where do you think he was? On his front porch? 

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2 hours ago, Sheryl said:

Pre-existing is usually defined for health insurance purposes as a condition which was known or could reasonably have been known.


 

Quote

 

Pre Existing Condition Law and Legal Definition

A pre-existing condition is a condition that existed prior to the current condition, and is commonly used in the context of insurance and personal injury claims. Under insurance contracts, there may be an exclusion for certain conditions that existed prior to or at the time of entering into the contract. Also, a failure to disclose a prior condition on an insurance application may preclude its coverage after acceptance as an insured.

 

 

https://definitions.uslegal.com/p/pre-existing-condition/

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Huh?  None of this makes any sense. Why not return for treatment in Canada, ya hoser.

Edited by SiSePuede419
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13 hours ago, The Farang said:

True.  Most insurance only cover emergencies and this is clearly a preexisting condition.   Sucks but true.

Best bet is to get insurance from your own country that has International coverage.  Cigna and Aetna are good in Thailand. 

He is Canadian He has free health care in Canada He needs to get home

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Did they not have round trip tickets?  I am on a retirement visa and purchase round trip tickets when I go back to the States; however I am usually hassled by check in agents who don't understand that I live in Thailand.  They want to see a return ticket back to the States which of course I don't have.

 

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6 hours ago, SkyFax said:

So does that mean that, if the doctor in Canada 30 days prior had said "Let's run some tests to be sure", the Canadian physician would have been unable then to detect the tumor?

 

Have you ever tried to convince a doctor to do an MRI or CAT scan because you have what looks like the flu with no other history?  Especially in an NHS country where the doctor has incentives to reduce costs?

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