A Claim Situation

A 13-year-old girl from Korea was visiting her aunt and uncle in Canada when she developed acute abdominal pain. She was rushed to the hospital and underwent an emergency appendectomy. A few days later, she underwent a second operation because of a severe infection. She spent a total of 18 days in the hospital. Without insurance, her out-of pocket cost would have been $77,429.

Insurers vary in their definitions and conditions of coverage. So read the summary of benefits; the limitations and exclusions; and some of the key definitions. Understand what you are buying. The peace of mind is worth it.