You need to understand your travel insurance coverage before you pay for it.
That's the advice from Saskatchewan's Financial and Consumer Affairs Authority. Real Estate Director, Ian McIntosh, says they have heard some horror stories from people who thought they had medical coverage on vacation, but didn't. The FCAA advises to buy the coverage you need because there are different options available, so make sure to read it over. Understand the exclusions and pre-existing conditions clauses and understand the claims process. The FCAA says knowing the process before a situation arises can prevent added stress.
It your insurance provider denies your claim, contact them and try to resolve it, and if that doesn't work, contact the OmbudService for Life and Health Insurance. If it's a property claim, contact the General Insurance Ombudservice. (ct Feb14 18) for more information: www.fcaa.gov.sk.ca/travelinsurance