Ali Davari was enroute to a German airport in December 1 for a return flight to Canada but didn’t make it.
The 84-year-old Toronto man fell down, but was able to get up. However, later that day, Davari was rushed to hospital for surgery to repair bleeding in his head.
Two weeks later, Davari remains in a medically-induced coma in an intensive care unit in Frankfurt. He is unable to travel home on a commercial flight.
“Honestly I don’t know what to do,” said his son Kevin, who contacted Global News as a last resort, after being told by the insurance company that his father’s travel health policy was cancelled.
“The travel insurance … is denying any assistance after they found out about the airlift cost,” Davari said, referring to a medical evacuation back to Canada.
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Typically, insurance companies want to repatriate injured or sick clients back to Canada, despite the high cost of a jet and medical staff, so that a policy holder can recover here, where most costs are covered by the public health care system.
Before his one-week trip to Germany, Davari’s daughter purchased out-of-country medical coverage for her father from RBC Insurance. She answered a medical questionnaire on his behalf.
Bur following Davari’s medical incident, RBC Insurance cancelled the policy and declined to pay any of the medical costs, including hospital charges and a medical evacuation.
RBC won’t discuss details of the case publicly.
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“We are very sorry to hear that Mr. Davari was hospitalized and we sympathize with his family during this difficult time. While we can’t comment on this particular claim because of privacy rules, we do want to let our clients know that we fully investigate all claims and make decisions consistently and fairly. In fact, RBC Insurance pays 98 per cent of all travel claims,” wrote Greg Skinner, corporate communications director with RBC Insurance.
“The vast majority of our clients complete the questionnaire correctly, receive the coverage they need and pay the correct premiums for their coverage,” RBC said.
Davari’s family said they completed the insurance application for their father honestly, and paid for the company’s premium “gold” policy.
They say they believed RBC Insurance would honour its policy.