While researching this, I came across a site called Bestquote Insurance agency.This is the link.kcowan wrote:The insurer was Manulife so their actual practice seems to be sillier than their stated practice. So just beware the minefield! They wanted to exclude HBP for the whole trip (6 months).
They came up with widely different quotations for same trip. Some companies, I had never heard of. For example April International underwritten by Royal Sun Alliance. But getting back to Manulife, one quotation was from them. Cost was about same as we were quoted by RBC Ins., but they offered a discount for various deductibles. Choosing say , a $1000 deductible reduced a 2-month premium from $395 to $312. RBC used to have that option on their site, but it is no longer there. CAA were almost same, but only because of 5% CAA membership discount and they too showed no deductible discounts. CAA's health questionnaire was simple and had no ambiguity. It may cause us to switch from RBC. But then, the price from Manulife is so much better. Not sure I would go with unknown names.
It's a slippery slope. As discussed in past, this is one area where I wouldn't mind the government getting involved.