Read the fine print on your travel medical insurance!!

When our eldest son started university in Arizona, we bought the “best” medical insurance the school recommended. We were satisfied with the low deductible and good coverage.

But when he was hospitalized for a week in May with severe tonsillitis that blocked his airways, the reality hit. Because his illness was not “sports-related,” the school refused to cover their 20% portion. We were left with a $20,000 bill.  Had he needed surgery, he would have surpassed the maximum coverage as well.  Until now, we are still fighting this bill.

Lesson learned:   Read the fine print, ask about exclusions, deal with a licensed advisor who has access to different plans.  As an example, $100,000 hospitalization is not enough.  I was able to obtain a "no cap" hospital coverage with a max of $3000 deductible for major medical attention.  Had we known about this new policy, our payable would have only been $150 since there was no surgery required.

***Before your cross the border, make sure you have adequate insurance***