There is an English expression - "May you live in interesting times". If you are in the financial industry (like I am), this is a true curse. Nowadays, everything is in constant flux and keeping up with all the changes is difficult.
However, my pain is your gain. Most of the changes in this industry have made it easier and faster for consumers to obtain insurance coverage.
Travel Insurance - More people are travelling all the time. If you travel outside of Ontario, please ensure that you have Emergency Medical Travel Insurance - either on your group plan or on an individual basis - as the Ontario government plan is limited in what it pays. If you have travel coverage on a credit card, check the fine print - generally, you need to pay for the travel with that card and you may have no coverage if you're over 65. In addition, most plans now have a clause that the insurance company reserves the right to not pay the claim if your health prior to the start of the trip was "unstable". Not sure if that clause would affect you? Give me a call and I can let you know my opinion or send off a request to the insurance company (in advance of your trip) so that there will be no surprises.
In summary, to quote Jean-Baptiste Alphonse Karr, "plus ça change, plus c'est la même chose" or in English "the more things change, the more they stay the same". Insurance policies may be your best option to insure you and your families financial health against the unexpected. More options exist today and obtaining coverage may be easier than ever. Please don't procrastinate. Summer is a great time to review what you have. If you have any questions, feel free to call me.