Jubilee Travel Insurance: Fill & Download for Free

I am a senior in Canada. The health care system here is very good where I live. I live in a small community on an island off the East coast of Vancouver island. We have a small hospital here. At my age (72) I find myself using the medical services much more than I ever did as a younger man. If I call my Dr’s office i may have to wait a week for an appointment, but I can walk into emerg at any time 24/7 and be seen by a Dr within minutes. If determined to be life threatening there will be NO wait. if not then determined by triage I may have to wait until someone else is checked out. It is NOT a first come first serve basis it is an as need basis. On a busy day down at emerg I might wait 30 min +/- But usually the wait will be 0 to 10 min. If your situation requires the facilities of a larger hospital you will be transported off island by ambulance and ferry. If your situation is critical you will be airlifted.In the last few years I have had Gall bladder surgery, surgery to remove a stuck kidney stone, a high end defibrillator/pacemaker installed, treated for a broken ankle. I have had many tests scans Cat scans heart scans , Ultra sound, scans etc etc. Wife was airlifted to Victoria for an acute ecoli poisoning spent over 30 days in the hospital. Grandson treated for a broken leg. My own children births one of which was an emeg cesarean and the last a planned cesarean etc etc the list goes on and on. I never get a bill for any of it. However once out of the hospital you will have to purchase your own meds. These are covered while in the hospital. I have an extended medical insurance that covers 80% of my meds. It is a carry on from my service in the Coast Guard. It also provides travel insurance (medical) anywhere in the world.The medical system is operated by each province in Canada but is funded by the feds. Each province may nave some minor difference but does accept any other provinces citizens while they are there. So if I am off traveling in Quebec 2000 miles from home my BC Med card will assure me treatment at no charge in the medical care system of the province of Quebec or wherever else I am in the country.I believe that the gov. is considering bringing dental care and Rx under the medical plan. But as these are huge expenses it is always a give and take somewhere.My extended medical costs me about $35 (C)or $26 US+/-) per month.I once checked into the Emerg in Boulder Colorado when I was on vacation and had gall stone that had blocked my common duct. Very uncomfortable. I spent the night in the hospital there and received excellent treatment. my stay lasted about 10 hrs I received a bill of $6,600 (US) which at the time was $10,000 Canadian! Yikes. That was when I found out that my BC med didn’t cover much in the US ($400) But my extended medical picked up the remaining $9600.00 Phewff!!!We tend to think of our system as free as we get no bill, however it is a very large bill that gets covered by our taxes etc. I can’t imagine not having a national health care system. Pretty much every country in the world has one. It doesn’t make them Communists or impact on our freedoms or interfere with operating as a Capitalist nation etc etc . What it does is insure that Everyone gets medical treatment as required when required and doesn’t face financial ruin as a result of requiring and receiving this treatment. The USA is in the enviable position to be able to look at all systems worldwide and cherry pick the best points of each one omitting any stumbling blocks in any system and benefiting from everyone else's experiences create a system second to none. But for reasons that I just don’t get, many Americans feel they would lose something (?) by having a medical care system.Drugs in Canada although not covered under our health care plan are still much cheaper than the same medication in the USA. Ie Insulin in the USA that would cost $3000 would be available in Canada for about $300. Using my extended health care plan it would be $30. Until the recent Covid-19 border closing Bus loads of Americans would cross into Canada for the sole purpose of purchasing RX’s in Canada at Canadian prices. Does that not tell you that there is something wrong with your system? A family that looses their home due to medical bills! Is that acceptable?I do not envy an American living under their system. I have American friends and relatives that have private med. insurance but they don’t get it for $35 per month that is for sure!I have NO bad experiences regarding our health care system. I am sure there are some foul ups. Its a big land . It has always been there for my family and myself . I have always received professional , prompt and the required treatment and care without being billed for it. The Royal Jubilee in Victoria, where I was for my heart treatment is recognized world wide as a top notch Cardio unit. Indeed the Dr that was looking after me in the Imaging room was here from Ireland in training. The Drs and medical staff as well as the support staff in our local little hospital all provide excellent care. I cannot emphasize strongly enough how good they are, and how much I appreciate their good work!For an American traveling in Canada that requires medical treatment. You as a non contributor will be billed. So medical travel insurance is a good idea. But if required you will get excellent treatment here.

It's a tale of two cities, actually. One a Fairy Disneyland, the other a deprived and the more real one.The area maintained by the TATAs is spic and span with well made roads and uninterrupted civic amenities like water and electricity. The level of primary and secondary education is also good but nothing much beyond that. You have the Officers’ Clubs, a reminiscent of the Raj; the manicured Jubilee Park, built to commemorate The Golden Jubilee year of the Tata Iron & Steel Company, and inaugurated by Pt. Jawaharlal Nehru. They even have a mall now, catching up with the trend.The other half, i.e the non-TATA area is much like any other Tier-3 city in India. Potholed roads, defunct healthcare, non-existent civic amenities, dirt and filth aplenty, unorganized slums are the characteristic trademarks of this zone. Crime is also an integral part of this underbelly.Rail is the only mode to get here. We don't have an airport, YET!! Yes, we do have a highway (NH-33) connecting the state capital, Ranchi, to us. It is more of a Motocross circuit. You will need an ATV and all your safety gear if you want to make it in one piece. A health insurance & a life insurance might also come in handy.So, happy travelling!

We always hear Indians moving to USA for a better life. A few, after relocating, move back to India. There are many good reasons, which are mostly personal, why someone would like to move from USA to India. Initially, I was not going to reply here because, more often than not, the reasons are pretty much the same - old parents, disconnection to Indian society, fear of being alone, kids turning American, etc. So what else is new and why did I bother to reply here?My reason to put in a response is because the one very popular answer (Someone anonymous's answer to What were your reasons behind moving from the USA to India?) is so very untrue and the reasons are so lame. What is astonishing that it is getting upvotes. I have no problems with upvotes, but please don't upvote just because someone is saying India is so much better than USA. First I will try to critically break down the 'Anonymous' answer and barebone the perceptions from real facts. Quoran Kannan has already nailed a few points.I shall, afterwards, make my mundane contributions to why I moved from USA.The first piece of ridiculousness is that the above answer is 'Anonymous'. Why? What is embarrassing or private about this issue? You had your reasons, you moved.The second fact is so obviously false and misleading. As Kannan said, one doesn't get EB1 sponsorship on H1B. EB1 is possible on L1A visa and that visa only. I also very much doubt anyone getting US$ 150K + salary on H1B for a person so junior (daughter is just 4 years; so I guess the person is around 32 years) - although it is possible. This is probably the reason of going anonymous.Now coming to the dissection ...I am very perplexed. A person who is earning $150K+ is worried about private primary education of the child? This seems 'very weird' to me. Is one saying that primary schools in USA are very bad? While some could be bad, we can know the rankings. All one has to do is choose a neighbourhood with good schools. Surely that is not impossible (unless one want to cringe on rents). Then, is the primary education in India that cheap? Annual fees to the tune of INR 100K to 200K are not unheard of - especially in good quality schools. Also, sometimes one has to pay hefty "donation".Expensive Colleges (under-graduate or leading to Bachelor's degree): This is true enough. But in USA, there is in-state and out-of state. Now our friend is already earning 150K+. Has one daughter only. Assuming that wife remains a housewife and no further addition to family, with earnings increasing even if marginally, am I to believe that the person cannot save enough for college? For the graduation (or post-graduation as it is called in India), leading to a Masters degree, most educated Indian send their kids to USA or other countries, which is expensive by Indian standards and Indian rate of earning/saving. Finally, is college/university education in India really cheap? Yes - in case of government aided colleges where one has to score 95% or above to get in. No - if one has to go to a private college. Maybe not as expensive as USA but not cheap either. So this point doesn't cut any ice for me.American kids not as street smart: Really? And does one really believe that Indian education prepares one for the daily facets of life? I love India. But come on - Indian education makes you 'learn' and not 'know'."Scheduled visits" to parks: Once again seems to be a pretty flimsy and stupid reason.Parents and Death Planning: That is a reason that I can whole-heartedly agree to. And these are my reasons as wellCrime Rate: By giving isolated examples of Baltimore and maybe the shady neighbourhoods of that city, is one not generalising? I don't even wish to argue here; just such a lame excuse again.Health Insurance: Does this person know about Healthcare in India and how expensive it is also there. Does he not know that Insurance payouts are very high in India too. Perhaps he is under the impression that employers provide insurance. Let me assert that employers' insurance is no good alone and not enough either. One needs personal insurance as well and it is expensive. I can write a big topical essay here.Expensive rents and houses. Agreed that some areas such as the Bay Area, big cities, etc., are expensive but so is true with India also. Is living in Bangalore (Rajajinagar, Kormangala, Malleshwaram, Richmond Town, etc.) or Pune (Boat Club, Kalyaninagar, Magarpatta, Amanora Town, Prabhat Road, Deccan) or Kolkata (Salt Lake), or Hyderabad (Madhapur, Gachibowli, Jubilee Hills, Banjara Hills), or Gurugram (almost any sector), or Chennai (ECR, Old Mahabalipuram Road, Poes Garden, Nugambakkam, Velachery) any cheap? Aren't these the cities where one would reside if in IT? Another flimsy excuse.Overall, it all seems to be pretty much a juvenile decision to me.Now coming to myself - I too moved from USA to India. I was in USA in 1997-1999. I am an IT professional. I was on H1B and started at US$ 56,000 at that time and later went to $92,000 per year. With time, in about 7-8 years, I would have got the GC. It was easy then and my employer was ready to sponsor. I had one kid then - aged 3. As years progressed, I would have got better more paying jobs. My friends who moved around the same time are earning over 200K. I could have saved significantly. I do not agree that all savings would be wiped off by kids' education. My friends have educated their kids (1, 2 or even 3) and are not paupers now. Sure it is a big expense, but one has to plan and there are education loans available.No. I moved to India because my diabetic father suffering from Glaucoma started developing blindness in 1999. My sister was far away. As the only male child, I felt obligated to care for my parents. By 2003, my father had gone completely blind and a year later developed Parkinson's. Imagine blindness with Parkinson's. So it was a combination of compulsion, obligation and sense of duty for me. As also, I was not enjoying the constant fly-out and fly-in kind of professional life of a typical IT consultant - leave every Monday at around 5 AM and return back Thursday or Friday evening, stay in hotels, etc.It has been 18+ years now. Do I regret my decision or blame my fate? Not a tiny bit. As I said in point (5) above, these are my reasons as well. By Lord Rama's grace, I have done fairly well. Both my parents have expired but I am glad that I was near them during that time. As with the Anonymous writer, USA (and ROW) were not closed to me. I travelled there often and sometimes on extended periods as well - but always to return back to India.One of the main reason to return to India would be to be with your near and dear ones. Alas, money can't buy that pleasure.Edit: I received a comment that I should not downgrade someone's answer and force my own opinion; everyone is entitled to his/her opinion. I completely agree. I would not have done that here, if I didn't find some blatant criticism and misgivings of USA supported by wrong perceptions and fabricated untruths. If one wants to return to India, sure, why not? But be true. Please read my first para again.