My health insurance experience

We have been in Canada for more then 10 years now. At the time I started working I took out accident insurance so that, if something happened to one of us, we would get some money. After my 50th. birthday a woman from this insurance company collected the premium and offered a health risk insurance that I took. It was a 10 year payoff insurance policy for 10,000 dollars for medical expenses which covered cancer, stroke, heart attack and more. It was a good deal. Then with this 2,880 dollars I would be insured for 10.000 dollars. Upon my death, they would pay 2,880 dollars for my funeral.

Last year my bank shut down and I had to switch to a credit union. I had to notify all the companies I do business with of my new banking arrangements. I had to sign a lot of forms and send them with void cheques to these companies, including this insurance company.

But I made a mistake in filling out my policy number. On my next monthly statement from my bank, I saw something was wrong. The bank had taken $33.60 from my account. I went to my bank to ask where this money was. At this time they paid it again, then it was after the 20th of the next month. I canceled this payment and sent some photocopies from my statements to the insurance company. The normal premium of 24 dollars a month was still paid from my account.

After 2 months a lady called and later they sent a cheque for $67.20 and wanted to switch to the credit union after the 8th. of August. My last payment was on the 9th. of July and I waited for the next statement. In October I found out that. the insurance company never opened another file. I called and asked the same lady, if I sent the premium for the next 5 months a cheque for 120 dollars if it would be OK? She said it would be fine, but it was not.

After Christmas the lady found out the premium from July was missing, but I have it on my July statement. She wanted to renew the policy and start the 10 year payoff policy all over again. But I've paid already for 2 years. This money would be lost. At this point I made another phone call to the lady from the insurance company, and told her I was writing a story for my English class about my insurance experience. I asked her if she wanted a sad or happy ending. She asked if I could send her a photocopy of my July statement. If it was OK she could track my policy. I did what she told me and I thought it was a good thing that I came to the English classes in Port-Elgin.