Read this Diary on line HERE
TIPS THIS WEEK
Bill shares info on the NEW THREAT TO WOMAN AT GAS STATIONS. The email contains a long story but in a word – a serial rapist has found a unique way to win the trust of woman. In the email version, he is a clean cut individual that tells you as you are driving away that you dropped $5 or $10 in the store while you were paying for gas. He wants you to open the window so he can give it to you. He looks like a kind hearted concerned individual. If you do not accommodate him he gets very angry. BUT if you open your door or window you are at his mercy. Be safe and be sure to drive away, let the police know of the encounter – it may not be anything but you could save your life if you do not accepted the cash.
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Crooks are becoming more creative all the time. Bernie shared this CREDIT CARD SCAM - it is TRUE on Snoops.com. A caller claiming to be from the Credit Card Company attempts to obtain the LAST THREE SECURITY NUMBERS ON THE BACK OF YOUR CR CD. They provide you with all the info on your card – they don’t have to ask for it because they already know the answers. The only question they don’t have is the 3-digit security numbers. The call sounds very official and they even give you a phone number to call for follow-up info – it’s supposedly from the Card Fraud Office. They state that a large purchase has gone through your account that day and they are verifying you have your card in your possession – so they need these numbers. DO NOT GIVE THIS INFO TO ANYONE THAT CALLS YOU. If you have called someone, it is OK to share the numbers. The caller may state they want to make a refund to your account, or stop the use of the card until the security is checked etc. – absolutely anything to get those 3-numbers. Click link above to read the full story. If you receive a call similar to this, report it to your Card Fraud Office immediately.
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I have shared this info in the past but Bernie and Heather passed it on again. It is important enough to repeat. When using your CREDIT CARD IN EITHER USA OR CDA at a gas station or on-line etc, frequently you are asked for a ‘ZIP Code’ or ‘Postal Code’. Cdn Credit Card holders now have a way to add a ‘ZIP Code’ to your ‘Cdn Card’. (I see no reason why it would not work for Americans visiting Canada). Travellers with a regular address in the USA (winter residence or mail forwarding etc.) can ask Visa or MC etc. to add it as a SECONDARY ADDRESS to your file. All billing and other transactions continue to go through your Cdn address. Advantage is – if you’re pumping gas, you can punch in that ZIP code and receive service without running a security risk by leaving your Credit Card in the station office. Bernie’s bank suggested that for major purchases you should use your Cdn address – I leave that decision to you. John and I have also added our USA mail forwarding address to our MC – but neither us, nor Bernie have had a chance to test its effectiveness. It is worth a try.
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PROMOS THIS WEEK
These contacts were part of the Sep 06,08 Diary. I share them here so everyone has easy-access to the info.....
OUT OF COUNTRY MEDICAL INSURANCE is high on the minds of all Cdns. Some companies also sell Insurance to VISITORS TO CANADA. File these numbers so you will have access to them before your next trip.
Many companies offer great plans. Those mentioned below are small sampling of various features you’d find in your search. Each company offers different options and the price paid depends on your age, length of time away AND your individual answers to the health questions. Don’t fudge your answers, because before a claim is paid they will verify your health history. Many will add Top-up Insurance ( I.E Extend a policy you may have with your work).
If you would like me to add your favourite insurance company – send me an email and I will share it next week...
***CARP – John and I find this one works best for us. Their standard policy is 5-Million and they also upgrade the No-Cost 40 days from PSHCP (Public Service Health Care Plan – some Federal Employees are members). That plan covers members anytime they travel up to 40 days out of province. Coverage is $500,000 but CARP will upgrade it to 5 Million as well for much less than $100. in most age brackets. They also offer $2-$500 and higher deductible PLUS BP meds only have to be stable for 3-months – everything else for 6-months. Longer you are with them, the more discounts that apply such as loyalty, or joint policies etc. No CARP Membership is required. Details HERE 877-566-6805.
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***GOOD SAM CLUB offer a great medical coverage for Cdn Members travelling south or overseas at GOOD RATES. (They also offer a similar plan for their American Members visiting to Canada). Members receive TWO COMPLIMENTARY DAYS for any number of trips across the border. These 2-FREE days can be topped up at any time. Their level of coverage is 2 Million. Check w/Good Sam Club and click on "member benefits", then "insurance". Call 888-237-1177 to activate your coverage and to extend it. This policy does top-up other insurance plans. Good Sam Club work with Travel Insurance. Non-member cost and benefits may be higher.
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***PRIME LINK offers a choice of 1-Million and 5-Million plan coverage. They also only request that stability of numerous things is only a minimum of 2-months. Each company promotes slightly different benefits. Details HERE - phone number 800 509 5831. Ray Murdock is a broker for this copany (519 884-5923)
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***I was not able to contact MEDOC at 1-800-461-4597. I am aware they will add Top-ups of the PSHCP, plus they also upgrade the 40-day coverage. On their website they post samples of their rates. Details HERE.
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***SANDERSON TRAVEL INSURANCE offer special benefits to Canada’s Explorer RV Club. We have been playing phone tag so I still have not talked to them to confirm details. Their insurance is available with and without pre-existing medical conditions – stability for each person may vary. It is definitely worth a call to check out their rates and benefit. Details HERE 877-266-8728.
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Depending on your age, you also may find good deals at MANY CANADIAN BANKS.
Travellers MUST check out the best one for you. Please, NO one cross the border without it. When John was in the hospital for a week in Florida a year ago after he was diagnosed with a superbug. He also was treated as an out-patient by a Infectious Disease doctor. We then went home for 33 days - no one really found the cause BUT that experience cost the Insurance company $45,000 and John had no operation - just a battery of tests.
Hope this info helps some. Travel safe P&J
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