I think what surprises me is that they wanted to fly the guy half way around the world. Canada and the US border each other.

I DO think that the gentleman made a bad decision saying that he was intent on staying in-country for 6 months afterwards. That's probably all the insurance company needed to think, "Yeah, this guy is using travel insurance as regular insurance"

Still, I do think the gentleman get the wrong end of the stick. I know I won't use this company, but now I really don't know who to use.