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Afternoon tea for the Guyana's this feels like borrowed time my wife actually according to all the doctors should not be with us today she died on the operating table it happened three years ago when the Guyana's were on vacation in Florida Mel developed a kidney infection she spent five days in an induced coma ten days in hospital and had to be flown home on an air ambulance the bill came to more than 200000 us the entire amount covered by their travel insurance bought from RBC but a few months later all of a sudden I see all this money finally coming out of our accounts RBC recovered nearly half of their total claim from Mel Guyana's extended health plan with Pacific Blue Cross that amount came off her lifetime coverage maximum that's all the coverage she has for vision dental medical devices and drugs for the rest of her life Mel Guyana has diabetes her drug costs alone total nearly 2000 per month at some point that that's going to be eroded maybe in our life that's very much of concern the money RBC recovered is part of a form of cost-sharing among providers it's a completely legal standard insurance practice, and it's all spelled out in the Milady's RBC policy but the Guyana's say they didn't understand any travel claim would be counted against their extended health coverage in a statement RBC says it's very important that clients understand their existing coverage as well as the details of the policy they are purchasing at the end we are ending up being our insurer our personal insurance is paying for it companies the Guyana's went with RBC because it was slightly cheaper had they bought travel insurance from Pacific Blue Cross their claim would not have counted against their lifetime coverage ultimately they say that decision ended up costing them a lot more Aaron Saltzman CBC News Toronto
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