What the couple didn't know, however, was that the
travel insurance company, like just about every
insurance underwriter everywhere, included a subrogation clause and a first payer clause in its policy
certificate, allowing the company to collect some
of the claim money from the couple's extended health
insurance provider — the insurer that pays for treatment not entirely covered under Canada's national health
plan.
Personal:
Travel (maps, destinations, hotels, frequent flyer state - ments) Home (recipes, decorating, gardening, organizing, party
planning) Family (parenting articles, sports teams) Health (one for each member
of the family) School report cards Children's sports teams Phone numbers and address subcategories: Business (home maintenance contacts, work references) Personal (master list, emergency contacts list) Financial and legal subcategories: Tax returns (current year, immediate past year, all other years); Important
Certificates: (birth, marriage, divorce and death certificates) Passports Wills Mortgage agreements or leases Insurance policies Car records Educational records Medical records (see below) Power of attorney Bank statements (each account gets a separate file) Credit card accounts (one file for each) Utility company bills RRSPs Investment records Loan agreements Pay stubs Home sub
Certificates: (birth, marriage, divorce and death
certificates) Passports Wills Mortgage agreements or leases Insurance policies Car records Educational records Medical records (see below) Power of attorney Bank statements (each account gets a separate file) Credit card accounts (one file for each) Utility company bills RRSPs Investment records Loan agreements Pay stubs Home sub
certificates) Passports Wills Mortgage agreements or leases
Insurance policies Car records Educational records Medical records (see below) Power
of attorney Bank statements (each account gets a separate file) Credit card accounts (one file for each) Utility company bills RRSPs Investment records Loan agreements Pay stubs Home subcategories:.