If you buy travel insurance, be aware of the 'first payer' clause
They looked at buying travel insurance through their group health insurance provider at home, Pacific Blue Cross (PBC), but decided to go with a policy from RBC Insurance because it was slightly cheaper. After a serious illness, the US bill came to more than $200,000 US.
A "first payer" clause, standard insurance industry practice called "subrogation," means RBC sent the bill to PBC. RBC recovered $97,954.19 from the other insurer.
Pacific Blue Cross, like many insurers, has a lifetime maximum coverage amount for its extended health plans, and they are dangerously near it, since they both have chronic illnesses (diabetes and MS). Milaneys' Pacific Blue Cross coverage includes dental, vision, physiotherapy and medical devices.