Originally Posted by
sokolov
This is about the annual multi-trip basic medical emergency travel insurance available to holders of a Canadian Amex card: How are there premiums calculated?
Do they just look at age, gender and province, or will the rate be more expensive in the next year if one had a claim?
In other words: Is it worth submitting small claims, or will the future rates go up more than one would get back that one time?
the rate is just go by those info you had listed above. Rate does not go based on your claim history, they still the same. They will only exclude any health condition that you already have at the time you purchase the insurance. I had the 31 days multi-trips over the last few years and it work great and a piece of mind.