I checked into Blue Cross & found it was much more expensive than the rates I got from CAA. I am in the USA for 3 months, so I had to find a reasonable policy for healthcare. The thing with Alberta Blue Cross (maybe it is different in other provinces)... they add a surcharge just because I have a condition (MS). It doesn't matter to them that I am very stable. With CAA, as long as I had been stable for a period of time, I was fine - no surcharge for my MS. I can't remember what the period of time was, tho. I purchased a yearly travel plan, which allows me to be out of country for 30 days. Then any trip over that 30 day period, including this 3 month trip, they do an add on. It cost me under $300.00 for this annual plan & the add on for this 3 month frame. I elected to purchase an annual b/c I am tentatively booked for April/May to travel back to the USA for treatment, so now my insurance is handled for that trip & any other I choose to take up until Dec, 2011. Hope that helps, but don't hesitate if you have any questions... shoot.