Travel

Stuck in Mexico. Anyone experienced ManuLife travel insurance?

  • Last Updated:
  • Mar 30th, 2019 3:23 pm
[OP]
Deal Addict
User avatar
Nov 10, 2015
2243 posts
844 upvotes
Monte Creek, BC

Stuck in Mexico. Anyone experienced ManuLife travel insurance?

My wife has been hospitalized with a serious health issue in Manzanillo, Mexico . Nothing to do with being in Mexico.
It happened yesterday just prior to our Westjst flight leaving for home, so the plane left without us.
I had purchased cancellation and medical insurance but have some questions for those with some knowledge of shit happening.

First off, I called ManuLife from the hospital, got a case number through an email. Most of the phone call was difficult to understand so not really sure of a few things. I've emailed them back last night but nothing yet.
I have paid the hospital bill so far and understand they will reimburse me. Plus the hospital took a 10,000 peso deposit. Not sure if they have contacted the hospital yet as they said they would.

Will they pay our hotel bill until my wife is well enough to travel? Meals?
I would think they will reimburse me for the flight home. Damn Westjet has jacked up the fares for snowbirds returning home. Some flights are over $1000 one-way! Our return flights originally were less then $600 each.

Westjet.
Flights are filling up. They are available this Friday but that is too soon. Sunday flight is full. Next one is Tuesday. I doubt I can expect anything from Westjet.
So is ManuLife likly to pick up the additional hotel and meal bills due to flights not being available?
No political content in signatures (Who did I offend?)
24 replies
Jr. Member
Aug 7, 2011
104 posts
14 upvotes
THORNHILL
Read the policy that they sent you and it should say exactly what is covered. As for the flight, there are plenty of flights, some are inconvenient, but other airlines do fly out of Mazatlan. You can book another airline if you need to get home sooner. They will assess your case and reimburse you when you're already back in Canada. There are usually limits as to how much they will reimburse you for each expenditure. Unless the doctor specifically says that she cannot fly, I'd imagine the insurance will not cover anything past the date she is released from the hospital.
Deal Addict
Oct 23, 2017
1364 posts
987 upvotes
GTA West
Sorry to hear about your wife's issues. I faced a similar situation in Mexico last month, but we had a different insurance company to deal with. As to Manulife, I assume they have a number of different policies for travel, since they sell them through different channels. So you will need to get the specific policy form that covered your trip, to ensure you get accurate answers. They should be able to email it to you.

In our case, I was able to get Westjet to reschedule our flight at no cost, but there was a serious weather alert in Canada for our original travel day to justify that. But there can't be any harm in asking.

Good luck and please let us know how this turns out.
Deal Addict
Jan 31, 2013
1389 posts
309 upvotes
Red Deer, AB
Would you be able to get an AC flight back? Or make it to PV somehow and fly back from there?
Deal Addict
Jun 15, 2015
2538 posts
1691 upvotes
Mississauga, ON
poleman wrote: My wife has been hospitalized with a serious health issue in Manzanillo, Mexico . Nothing to do with being in Mexico.
It happened yesterday just prior to our Westjst flight leaving for home, so the plane left without us.
I had purchased cancellation and medical insurance but have some questions for those with some knowledge of shit happening.

First off, I called ManuLife from the hospital, got a case number through an email. Most of the phone call was difficult to understand so not really sure of a few things. I've emailed them back last night but nothing yet.
I have paid the hospital bill so far and understand they will reimburse me. Plus the hospital took a 10,000 peso deposit. Not sure if they have contacted the hospital yet as they said they would.

Will they pay our hotel bill until my wife is well enough to travel? Meals?
I would think they will reimburse me for the flight home. Damn Westjet has jacked up the fares for snowbirds returning home. Some flights are over $1000 one-way! Our return flights originally were less then $600 each.

Westjet.
Flights are filling up. They are available this Friday but that is too soon. Sunday flight is full. Next one is Tuesday. I doubt I can expect anything from Westjet.
So is ManuLife likly to pick up the additional hotel and meal bills due to flights not being available?
What type of policy did you purchase from Manulife? What is the name of it?
[OP]
Deal Addict
User avatar
Nov 10, 2015
2243 posts
844 upvotes
Monte Creek, BC
BrunetteGirl wrote: What type of policy did you purchase from Manulife? What is the name of it?
Hah. When it rains, it pours.
The other day my tablet died.
Have a fairly new phone and just tried to instal Adobe Reader. "Not available in your country". Wtf!!!
Packing up the other day to leave i threw out the hard copies of the policies. Wife landed in the hospital 3 hours before the plane left.
Oh well, it is what it is.
We did purchase Cancellation and Medical coverage.
Just trying to find out how much of a fight to expect from Manulife. So far they havent been too communicative.

On the medical side of things, i am very impressed with the Mexican medical systm so far. At least with the little hospital we are dealing with.
Two minutes after walking in the door she was being interviewed by a doctor. Not a triage nurse but a real doctor.
He even called in a specialist who came from home, with his little boy tagging along.
Nurses are very caring and many have at least some knowledge of English, as do all the doctors of who there are lots. I wish doctors were this plentiful back home.
No political content in signatures (Who did I offend?)
Deal Addict
Apr 6, 2008
1807 posts
1147 upvotes
poleman wrote: Hah. When it rains, it pours.
The other day my tablet died.
Have a fairly new phone and just tried to instal Adobe Reader. "Not available in your country". Wtf!!!
Packing up the other day to leave i threw out the hard copies of the policies. Wife landed in the hospital 3 hours before the plane left.
Oh well, it is what it is.
We did purchase Cancellation and Medical coverage.
Just trying to find out how much of a fight to expect from Manulife. So far they havent been too communicative.

On the medical side of things, i am very impressed with the Mexican medical systm so far. At least with the little hospital we are dealing with.
Two minutes after walking in the door she was being interviewed by a doctor. Not a triage nurse but a real doctor.
He even called in a specialist who came from home, with his little boy tagging along.
Nurses are very caring and many have at least some knowledge of English, as do all the doctors of who there are lots. I wish doctors were this plentiful back home.
Isn't money great? I bet word gets around that the insurance companies from NA pay well. So for the Dr it's a good day for him :). Just kidding. Hope your wife's health improves. I imagine Manulife will take care of you but it'll take forever and you'll be back and Canada and she's all healed up by that point.
Deal Addict
Oct 23, 2017
1364 posts
987 upvotes
GTA West
poleman wrote: On the medical side of things, i am very impressed with the Mexican medical systm so far. At least with the little hospital we are dealing with.
Two minutes after walking in the door she was being interviewed by a doctor. Not a triage nurse but a real doctor.
He even called in a specialist who came from home, with his little boy tagging along.
Nurses are very caring and many have at least some knowledge of English, as do all the doctors of who there are lots. I wish doctors were this plentiful back home.
We had a similar experience and came away with a good impression of the Mexican system as well. Our charges for 16 hours in emergency came to about $300 including meds and supplies, and the attending specialist was $100. My wife was triaged immediately, had a doctor consultation within 30 minutes, and was on a bed 10 minutes later. Everything looked modern and clean, the staff was courteous and professional. Spanish was a problem but Google translate is a wonderful thing. This was quite a large private hospital.

On presenting at the hospital, there were no questions about payment, insurance, or a deposit before treatment. They only asked for name, address, and phone number.

Just wish I could get this kind of service at home!
Deal Addict
User avatar
Dec 18, 2007
4266 posts
300 upvotes
poleman wrote: Hah. When it rains, it pours.
The other day my tablet died.
Have a fairly new phone and just tried to instal Adobe Reader. "Not available in your country". Wtf!!!
Packing up the other day to leave i threw out the hard copies of the policies. Wife landed in the hospital 3 hours before the plane left.
Oh well, it is what it is.
We did purchase Cancellation and Medical coverage.
Just trying to find out how much of a fight to expect from Manulife. So far they havent been too communicative.

On the medical side of things, i am very impressed with the Mexican medical systm so far. At least with the little hospital we are dealing with.
Two minutes after walking in the door she was being interviewed by a doctor. Not a triage nurse but a real doctor.
He even called in a specialist who came from home, with his little boy tagging along.
Nurses are very caring and many have at least some knowledge of English, as do all the doctors of who there are lots. I wish doctors were this plentiful back home.
fusion2k2k wrote: Isn't money great? I bet word gets around that the insurance companies from NA pay well. So for the Dr it's a good day for him :). Just kidding. Hope your wife's health improves. I imagine Manulife will take care of you but it'll take forever and you'll be back and Canada and she's all healed up by that point.
Dealmaker1945 wrote: We had a similar experience and came away with a good impression of the Mexican system as well. Our charges for 16 hours in emergency came to about $300 including meds and supplies, and the attending specialist was $100. My wife was triaged immediately, had a doctor consultation within 30 minutes, and was on a bed 10 minutes later. Everything looked modern and clean, the staff was courteous and professional. Spanish was a problem but Google translate is a wonderful thing. This was quite a large private hospital.

On presenting at the hospital, there were no questions about payment, insurance, or a deposit before treatment. They only asked for name, address, and phone number.

Just wish I could get this kind of service at home!
You guys experienced private clinics.
I've been to one myself about 10 years ago when I was super sick with Moctezuma's revenge... lol

If you have money, you get better service. Money talks.
I'm looking for a NZ Silver Fern Kiwi coin! :)
Deal Addict
Jan 11, 2004
4917 posts
499 upvotes
Victoria
It's almost like Canada's system is garbage. Well unless you like waiting and waiting and waiting a d dying
Not a political sig
Deal Addict
Oct 18, 2014
1932 posts
822 upvotes
HK
General comments:
-Typically, insurance have direct billing arrangement with certain hospitals (I know this is a moot point for OP as they are already at the hospital), that way they can deal directly with the hospital rep from financing, paperwork, as well as get pre-approval prior to any work getting done etc
-Coverage depends on the policy. Like I don't ave meals covered, but I do have hotels
-In terms of flights, insurance should cover it
Deal Expert
Aug 22, 2011
32204 posts
18050 upvotes
Ottawa
At this point, nothing really matters other than paying for everything yourself until your wife is better.
Once you both get home safely, then you can proceed to file all of your expenses and see what they will cover.
Deal Fanatic
Jun 11, 2005
8426 posts
2251 upvotes
Mississauga
poleman wrote: My wife has been hospitalized with a serious health issue in Manzanillo, Mexico . Nothing to do with being in Mexico.
It happened yesterday just prior to our Westjst flight leaving for home, so the plane left without us.
I had purchased cancellation and medical insurance but have some questions for those with some knowledge of shit happening.

First off, I called ManuLife from the hospital, got a case number through an email. Most of the phone call was difficult to understand so not really sure of a few things. I've emailed them back last night but nothing yet.
I have paid the hospital bill so far and understand they will reimburse me. Plus the hospital took a 10,000 peso deposit. Not sure if they have contacted the hospital yet as they said they would.

Will they pay our hotel bill until my wife is well enough to travel? Meals?
I would think they will reimburse me for the flight home. Damn Westjet has jacked up the fares for snowbirds returning home. Some flights are over $1000 one-way! Our return flights originally were less then $600 each.

Westjet.
Flights are filling up. They are available this Friday but that is too soon. Sunday flight is full. Next one is Tuesday. I doubt I can expect anything from Westjet.
So is ManuLife likly to pick up the additional hotel and meal bills due to flights not being available?
I was sick in the Dominican Republic many years ago and had to be treated at the medical clinic overa 3 day period. We had Manulife at the time and they paid for everything directly to the Clinic. They advised they would pay for a hotel stay if we couldn't fly and would arrange a later flight. I received an itemized list from Manulife a few weeks after I got home. They wanted me to verify I received the treatment that they were being billed for. My wife did call in from the clinic to verify our coverage and she told my wife they would take care of everything before theyn did anything to me. Hope that helps.
[OP]
Deal Addict
User avatar
Nov 10, 2015
2243 posts
844 upvotes
Monte Creek, BC
dealguy2 wrote: It's almost like Canada's system is garbage. Well unless you like waiting and waiting and waiting a d dying
^
This.
Our medical system is really screwed up and people are dying because of it.
This is getting slightly off topic but our experience in Mexico relates to a real ugly story. I just read about a woman who died in a Moncton ER after waiting 11 hours to see a doctor. She suffered horribly with pain from a serious kidney ailment.
My wife's issues were similar and potentially deadly too, but from time she walked in the hospital door until she saw a doctor was LESS THAN TWO MINUTES.
They were checking her vitals as the doctor questioned her and filled out the forms.
She was in a bed and had an IV in her ten minutes later.
Three days in the hospital and the bill is under 20,000 pesos. Roughly $1400 Cnd.

We've experienced ER waiting back home before. It's disgraceful.
Sorry for getting off topic but the Moncton story really pissed me off.
No political content in signatures (Who did I offend?)
Deal Fanatic
Jun 11, 2005
8426 posts
2251 upvotes
Mississauga
poleman wrote: ^
This.
Our medical system is really screwed up and people are dying because of it.
This is getting slightly off topic but our experience in Mexico relates to a real ugly story. I just read about a woman who died in a Moncton ER after waiting 11 hours to see a doctor. She suffered horribly with pain from a serious kidney ailment.
My wife's issues were similar and potentially deadly too, but from time she walked in the hospital door until she saw a doctor was LESS THAN TWO MINUTES.
They were checking her vitals as the doctor questioned her and filled out the forms.
She was in a bed and had an IV in her ten minutes later.
Three days in the hospital and the bill is under 20,000 pesos. Roughly $1400 Cnd.

We've experienced ER waiting back home before. It's disgraceful.
Sorry for getting off topic but the Moncton story really pissed me off.
[/quote

The biggest problem with our system is they need to find a way to stop minor problems from getting to the emergency department. We now have so many walk in clinics open all the time that can be used. I unfortunately had to spend a lot of time in emergency department with my Dad and the stretchers in the halls and the amount of people waiting to see a doctor is crazy. I hate to say it but I was treated quicker in the DR than my Dad was seen at home. So sad.

Top