It sounds like it was the Canadian insurance provider who screwed them, though. They said[2] that since she had a bladder infection prior to getting the travel insurance, it was a pre-existing condition and therefore wasn't covered. So basically, if you get your travel insurance and come across the border, don't expect it to cover anything like a heart attack, an abcessed tooth, a prescription refill, etc.
It sounds like it was the Canadian insurance provider who screwed them, though. They said[2] that since she had a bladder infection prior to getting the travel insurance, it was a pre-existing condition and therefore wasn't covered. So basically, if you get your travel insurance and come across the border, don't expect it to cover anything like a heart attack, an abcessed tooth, a prescription refill, etc.
[2]https://www.change.org/p/blue-cross-blue-shield-pay-for-jenn...