For All Your Insurance Needs

Did you know that Canadians are the most insured people on the planet? It’s true! From government required UI and car insurance, to home, health and life insurance. You name it, we insure it. The insurance companies prey on our nerves. We wonder if it’s worth paying a couple hundred dollars extra each month…just in case.

Going away? Get travel insurance. We’ve all heard the one about the guy who went to Buffalo and got in a car accident…Tens of thousands of (US) dollars later, his family faced bankruptcy… Faced with that fear, we always make sure to buy travel/health insurance. In Mexico, we took our son to the doctor with sun poisoning. A few ‘scripts and visits later, we were out of pocket. Did the insurance cover it? Um, no. Our deductible was too high.

Have a pet? Don’t forget pet insurance. I know someone who had a dud of a dog – divine little fella, but a dud in the health department. Two hip replacements, several tumors and many dental issues made this guy the poster pup for PetPlan. Our Labrador’s been known to eat anything from socks to picture frames (including the glass) (don’t ask). We’re quite smug about having pet insurance. Make that, we were. Every time I send in a claim, there’s a catch. Routine shots aren’t covered. I owe $0.41 on the deductible before I can start being reimbursed etc. In some warped way, I‘m kinda wishing the dog’s thyroid condition would worsen, just so the insurance company will have to pay.

If you live in a country with public healthcare, like we supposedly do, you might be safe in the knowledge that your health is covered. Um, not quite. But I can’t really complain, because I’m one of the lucky ones. I’m on my husband’s health insurance policy. Suddenly, the dentist doesn’t seem as scary. Let’s face it, it’s not the cleaning that hurts, it’s the bills. Optional immunizations? Covered. Chiropractic visits and therapeutic massage? Covered. I love my health insurance! Until I need to go the eye doctor. Which I do, annually. Then I’m S.O.L.

I don’t know why lawyers get such bad raps, when it’s the insurance companies who are the real leeches. They blame insurance fraudsters. Who? How? Maybe these scammers can give us all pointers so we could at least break even. I knew this one guy who had real entitlement issues. He believed it was his god-given right to defraud the insurance companies. So he “lost” his camera, filed the requisite police report, and sat back smugly and waited. When his cheque finally came, it was made out to the store where he bought the cameras. Since he already had a camera, he cashed in his “claim” and bought an engagement ring for his then-girlfriend. He proposed, Lloyd’s of London paid, she said no.

But at least he broke even. And he had a spare diamond ring. Just in case.