As Governments Withdraw, Private Travel Insurers Tune Up

Ontario’s proposal to stop paying travellers’ out-of-country medical emergency costs is expected to raise private travel insurance premiums by between 7 and 13 per cent, according to industry sources, even though the provincial share of fees paid to foreign health care providers are minimal at best—perhaps 5 per cent. And though such increases will be felt most acutely by snowbirds who spend several months out of Canada each year—primarily in the US—the effects should also awaken cross-border shoppers and weekenders to the reality that accidents and medical emergencies can happen anywhere, at any time, making them just as vulnerable as snowbirds. According to figures just released by the Conference Board of Canada (CBoC), 71.9 per cent of Ontarians surveyed claim they had some form of travel insurance on their last outbound trip. For Canadians as a whole, that was 76 per cent. And of those who were uninsured, 49.6…

Welcome to Canada – A Traveller’s Guide to Staying Safe and Healthy While Visiting Canada

Whether visiting family or friends for a short period, touring the country, or planning to immigrate, visitors to Canada are vulnerable to the costs of the Canadian health care system. According to the Canadian Tourism Commission, Canada receives over 17 million visitors each year, and each one of them should have travel health insurance to protect them against the high costs of health care in Canada. Health Care in Canada is not free! Visitors need to know that foreign insurance plans may not cover Canadian medical costs and most government health insurance plans in countries around the world will not cover accidents or medical emergencies incurred by their residents while travelling in Canada. Canadian provincial health insurance does not cover non-resident visitors, even if they are visiting family – uninsured visitors are expected to pay in full for medical bills incurred in Canada. Also, provincial health care in Canada can…

As Drinking Laws Relax, You Need to Stay Alert when Travelling

To many foreign visitors, Ontario’s drinking laws have long been a source of bemusement, and some frustration. I have often heard from friends and colleagues that, as much as they enjoyed what Canada has to offer, they were somewhat confused—or even embarrassed—when a waiter or hotel worker told them it was too early in the day for a Bloody Mary with their brunch. Or that if they wanted a beer or wine, they could only be served in some dark and enclosed location, not here on a sunlit patio. But with the impending relaxation of alcohol consumption laws, just announced, visitors to Ontario should find it somewhat friendlier and less intimidating to order their favourite beverage in a pleasant outdoor location, open to the sky. Times have certainly changed, and there will still be many people who decry the easing availability of alcohol in daily life. But for travellers leaving…

Super Visa Insurance: FAQ’s

For those visiting Canada long-term (up to 2 years at a time) and are parents or grandparents of permanent or Canadian citizens, Super Visa is the way to go. But don’t forget you will need Super Visa insurance to cover your stay in Canada! Here are answers to the frequently asked questions we get about Super Visa insurance: What is the minimum amount of coverage that I need? You need at least $100,000 of coverage – which all of our plans can provide. Is there an age limit?While some plans have limits, we have plans available that can cover you at any age. How long does my coverage need to be?You must be covered for one year. What happens if my visa is denied?You can get a full refund on your insurance with proof that your visa was denied. (If no proof of denial is provided, you could be charged…

The Changing Tourism Strategies in Cuba and Mexico

Recently, Mexico has undergone a major shift in its official tourism strategy to upgrade (and up-price) mass tourism to that country—Canada’s most favoured vacation destination after the United States. Now we learn that the US administration has reinstated many of the trade and travel restrictions against Cuba that were relaxed during the Obama years and will also allow Americans (including former Cubans) to sue foreign firms (among them Canadian and European) operating on properties seized by the Castro government on or after the 1959 revolution. Cuba attracts some one million Canadian visits annually—Mexico just over two million. Between them, they account for almost half of the robust Caribbean, Mexican, and Central American vacation travel market. In both the Cuban and Mexican markets, residents of Britain rank just behind Canada as the most frequent visitors. The action taken by the Trump administration—intended to punish Cuba for its ongoing support of the…

Tips for Annual-Plan Holders

A client calls to say: “Hi, we are heading across the border next week. Do I have to call you every time I plan a trip?” if they are annual-plan holders, the short answer is “no”. But you can save them (and yourself!) some time by passing along a few tips at the time of the original sale! 1 – Short trips: you need not notify anyone about a short trip any time during the term of your annual plan – provided you have not experienced a change in your health. 2 – Change in health status: call us if your health situation changes. We can then check whether you will be in danger of limiting or eliminating your coverage, and we can discuss other coverage options. 3 – Days per trip: there is a limit to the number of days you may travel per trip and still be able…

10 Ways to Save on Travel Insurance

Are you or your clients concerned about the costs of travel insurance? What’s better than saving money and spending it elsewhere on your travels? Here’s 10 ways to save on travel insurance while getting comprehensive coverage! 1 – The more often you travel, the better the deal. Consider a multi-trip annual plan! They end up being significantly cheaper (and more convenient) than single-trip plans if you travel more than once a year. 2 – Travel in twos? Make sure to take advantage of your companion discounts! Your travelling companion does not need to be a family member – as long as your travel arrangements and trip dates are the same, you can save a few bucks. 3 – Travelling with family? Get family rates! They are cheaper than individual rates for families of 3 or more. Typically, rates are only 2 times the price of the oldest family member’s policy…

Ontario Terminate All Out-of-Country Medical Payments

The Ontario government’s announced intention to terminate all coverage of unexpected medical emergencies for residents travelling out of the country as of October 1, 2019 appears to be a clear violation of the Canada Health Act. But that has not prevented the Ontario government, and all other provinces and territories, from short changing their own travellers for years by paying foreign hospitals absurdly low reimbursements for taking care of them when they travel out of the country. Ontario has been paying up to $200 CAD per day per patient in a standard room, $400 in intensive care, and $50 CAD for an outpatient visit—leaving it to private travel insurers to pay the great bulk of remaining costs (usually well north of 90 percent). And though the Ministry of Health and Long Term Care (MHLTC) contends that the termination of the OOC program will have no impact on 99.5 percent of…

Hungry for Food Travels?

Among the best reasons to travel is indulging in all sorts of traditional, cultural and exotic foods available around the world. Let us take you on this food journey—we guarantee you’ll want to book your next flight! Home to many Michelin starred restaurants and “Jiro Dreams of Sushi”, you will find that food in Japan is an art form. Authentic handmade udon and ramen will change your perspective on noodle soup forever, and carefully crafted Japanese sushi is an experience unto itself. Even shopping at the grocery store is fun in Japan, with unique packaging and creatively designed food making each trip a novelty. Tokyo is the eating capital of Japan, with over 160,000 restaurants to choose from—but since restaurants don’t open until 11am, it’s better to space your meals out during the day. Don’t forget to check out the fish markets early in the morning for a new food…

Important Updates To Our Policies & Extended Hours

IMPORTANT: UPDATES TO OUR POLICIES We have made changes to our policies in order to continue providing clients with comprehensive, responsible coverage.  Download a copy of our coverage summary or policy wording to get the full details of the updated changes. We at MSH Americas ensure that your clients can travel with confidence, whether they are global travellers, expatriates, or international students. With a wide range of products and an unrivaled customer service experience, you can trust that we will find the perfect solution for you and your clients’ travel needs. We offer personalized one-on-one service to fulfill your insurance needs at every point of contact. Don’t forget: We’re only a phone call away, whenever you need our assistance. MSH/Ingle Agents Login to your agent portal to view and download the latest policy details under MSH/Ingle-specific products. https://www.ingleinternational.com/login/en Canadian Travellers Travel freely, travel blissfully. We cover Canadian Travellers with travel…

MSH International Boosts Its Global Expansion With New Health and Travel Insurance Products and Services

MSH International (Americas) announced today that it is accelerating its international expansion and services to meet the growing demand for its comprehensive, global health insurance products. Adding to the company’s great products and services a new suite of offerings addresses up-to-the-minute needs of leisure and business travelers alike and includes: LivExpat, a new generation of flexible and cost-efficient international health insurance plans MSH Navigator, a mobile application, with geo-tracking capabilities, security warnings, travel and city guides, two-way communication and single-touch access to emergency and provider networks MSH ASSISTANCE, a comprehensive product offering with round-the-clock multilingual medical assistance, emergency evacuation, repatriation and risk management to travellers, worldwide. Born of a 2017 merger between MSH International and Ingle International, a supplier of international insurance solutions for travellers, students and expatriates since 1946, MSH International continues to experience rapid international growth. Together with its continuous product innovation, tailored facilities, global capabilities, customized web…

Who Pays When Airlines Ground Your Flight?

Disruptions caused by the grounding of 737 Max fleets worldwide have caused many thousands of travellers to dig into their travel insurance policies to see who pays for their delays, re-routings, unanticipated airport meals, extra nights in vacation locations, taxis back and forth between airports and hotels, rebooking airline fees, and on and on. These unexpected costs can add up, especially if you’re travelling in family groups. Already, one large US travel insurance aggregator has noted that simply “fear” of flying on a 737 isn’t enough for an insurer to pay for any rebooking fees, and most airlines are not obligated to do so. National regulations on such payments vary a lot from country to country. What is clear, though, is that if an airline does agree to pay for rebooking, or other out-of-pocket personal charges caused by the disruption, or if the airline offers vouchers for future flights, your…

New Product Launch: LivExpat. Customizable Benefits That Will Save Your Clients Money.

MSH AMERICAS announces the launch of LivExpat – A flexible, affordable international health insurance plan for 1 – 150 lives. LivExpat is the beginning of a new generation of flexible, cost efficient and innovative international health insurance plans. Designed to meet the needs of the ever-changing global traveler and SME’s. LivExpat fully insured plans give you choice; Emergency medical only coverage or Comprehensive medical coverage with optional Disability, Life and AD&D. These plans provide insurance protection with several duration options and mix and match benefits to best suit you and or your employees. Medical including hospitalization, routine and vision care, and prescription drugs, and optional dental care; Evacuation including transportation, hospitalization and repatriation; Employee Assistance Program Life & Disability, including Life, Long-Term Disability, Temporary & Permanent Total Disability, and Accidental Death & Dismemberment benefits. LiveExpat includes access to MSH‘s exclusive Provider Network of more than a million healthcare professionals around…

Canadian Students Urged to Go Abroad and Experience the World

With Canada as multicultural as it is, one might think that Canadian post-secondary students would be among the world’s leaders in expanding their educational horizons and doing all or part of their undergraduate studies abroad. But, in fact, only 2.3 per cent of Canadian undergraduates studied abroad in the school year from 2014 to 2015—far less than the 10 per cent of American or 13 per cent of Australian undergraduates who pursue some or all of their studies in foreign countries. And even when they go abroad, Canadian students confine their studies to American, UK or Australian schools (according to data from the Canadian Bureau for International Education, or CBIE). And that—according to a report from the Munk School of Global Affairs at the University of Toronto and the Centre for International Policy Studies at the University of Ottawa—is a lost opportunity for the students as well as for Canada.…

International Students Give High Marks to Canadian Schools

Though Canadian post-secondary students remain reticent to do any or all of their studies abroad (only two per cent do so during their undergraduate years), the inbound flow of international students far exceeds any of the most optimistic projections for this intellectual migration. According to data from the Canadian Bureau for International Education (CBIE), there were 494,525 international students in Canada at all grade levels (elementary to post-graduate) in 2017—75 per cent of them in universities, colleges, and CEGEPs. Why has Canada become such a magnet for international students? Certainly the prospect of high-quality education in a safe, secure, and welcoming country has a lot to do with it. But it is also enhanced by federal and provincial government incentives to allow easier routes to permanent residency after graduation, work permits during undergraduate years, broad availability of affordable health insurance options (provincial government-sponsored or private programs), and a welcoming…

The MSH Experience: Corporate Client Stories

Ines, a 37-year old woman from Spain, was working for a leading global energy company in Mozambique when she discovered she was expecting twins. She informed MSH and the team immediately put her in touch with MSH’s medical director. Ines decided to give birth at the specialized clinic in South Africa recommended by the medical director and stayed in touch with the MSH medical team throughout her pregnancy. Everything went smoothly and now Ines and her babies are doing well. This is how we can help you travel with confidence: for organizations of all sizes and industries full international healthcare coverage in-house 24/7 multilingual support healthcare professionals and security specialists hospitalization, rehabilitation, and repatriation access to extensive, high quality medical network different coverage level and options to enhance your plan http://americas.msh-intl.com/en/individual-solution/individual-insurance.html Proudly supporting international mobility for more than 40 years. Wherever you are going and growing, we have a…

Got your Passport, but Confused about Brexit?

If you’ve never heard the word “Brexit”—be grateful. But if you are a traveller with a Canadian or US passport, and you’re heading to the UK or anywhere in Europe, you may want to review a few ground rules. Regardless what happens in the cage-fight between Britain and the EU, in the short run it will have no effect on you as a traveller. What happens in the long run is anybody’s guess, but for the next few months at least you need make no alterations to your plans. As the holder of a valid passport (preferably with at least six months left before it expires) you will still be able to travel freely to any part of Britain (or Ireland) and most countries of Europe. If you go to Britain and continue on to Europe, you will need your passport for each entry. What is Schengen? Even the…

無論您是在國外工作還是留學,都要在春節期間保持傳統過新年!- Whether You Are Working Or Studying Abroad, Keep The Tradition Alive During Chinese New Year!

新年快樂 – Happy Chinese New Year! Or in Hong Kong and other Cantonese regions, 恭喜發財 – it means congratulations on the fortune. A Little History Chinese New Year, also known as Spring Festival, has taken prominence and is celebrated all over the world. This New Year celebration is actually the longest Chinese holiday of the year (lasting 15-16 days) and is celebrated on a different day every year. Why? Because it follows the lunar calendar – the movement of the moon. This tradition has been around for almost 4000 years since the Han Dynasty in 202 BC-220 AD.  The Emperor commanded the use of the lunar calendar and it has been put into practice ever since. 2019, Year of the Pig Every year is represented by a different Chinese zodiac sign. 2019 is the year of the pig – a year of fortune and luck! A pig represents wealth, honesty,…

Snowbird Guide to Medical Marijuana

Since 2015, when Prime Minister Trudeau committed Canada to full legalization of marijuana, the number of registered users of medical cannabis products soared from an estimated 24,000 to more than 330,000. And, for a nation of committed cannabis users (according to Statista—an international marketing research firm—41 per cent of Canadian adults confirm having used marijuana at some point in their lives), that appears to be just the beginning. In the United States, the approach to legalization is more ambivalent. Though the federal government prohibits the use of cannabis in any form (recreational or medical), 30 states and D.C. have so far legalized its use to some extent (26 allowing limited use medicinally, nine allowing both recreational and medicinal use). But those numbers change from month to month as the trend toward outright legalization creeps along. What does this mean for Canadians, particularly snowbirds, who rely on marijuana products and derivatives…

Canadians Continue to Embrace Cruise Vacations, But Need to Consider Travel Insurance Pitfalls

In 2018, close to 960,000 Canadians will have embarked on a cruise—almost 39 per cent more than in 2010, according to estimates reported by the Conference Board of Canada (CBOC). Citing data provided by the Cruise Lines International Association (CLIA), the CBOC projected that it was cruisers from Canada’s Atlantic region who posted the largest average annual rate of growth in embarkations since 2010—11.6 per cent from then to the end of 2017. The report also indicates that while the average age of Canadian ocean and river cruisers in 2017 was 51, there was a discernable distinction in age cohorts between those taking longer itineraries such as trans-Atlantic or exploration cruises (which tend to attract older travellers), and shorter Caribbean cruises which are more popular among younger travellers. For example, the average age of Canadian passengers on cruises to the Panama Canal/South America, Antarctica, Galapagos, or the Arctic is 66;…

Join Our World Wanderer Club! Experience the World in a Whole New Way.

World Wanderer Club  We are excited to introduce the new and exclusive “World Wanderer Club” to you travel lovers! If you’re looking for new places to go, travel secrets and tips, the right products to assist your trips, helpful travel blog posts on current events, and special travel perks, discounts, and contests – this is a travellers’ wonderland for you! We hope to inspire you to travel and see the world just like we do and to discover places you never knew about.  You can gain a new perspective and educate yourself by travelling abroad as well as learning how to protect yourself when you’re away from home. You can always have fun, but you’ll have the most fun when you’re prepared! Our World Wanderer Club is your resource for: International travellers Canadian travellers and Visitors to Canada Special risks and adventure travellers Group travellers International student travellers Snowbirds Expatriates…

The MSH Experience: Client Services

Matthieu was hiking in a canyon in Peru when he fell several meters, fracturing his kneecap and elbow. “After 12 days in a local hospital, I was sent back to France where I spent 2 more weeks in the hospital and months getting physiotherapy,” he remembers. Matthieu’s hospitalization, repatriation, and rehabilitation expenses were all covered: “Without my MSH travel health insurance, it would have been a real nightmare. €16,000 for the hospital and €50,000 for my repatriation with two air ambulances – can you imagine?” This is how we can help you travel with confidence: full international healthcare coverage in-house 24/7 multilingual support healthcare professionals and security specialists hospitalization, rehabilitation, and repatriation access to extensive, high quality medical network different coverage level and options to enhance your plan Click here for more information on how we can help you travel with confidence. http://americas.msh-intl.com/en/individual-solution/individual-insurance.html Proudly supporting international mobility for…

The Real Value of Travel Insurance: Staying in Touch

It’s just a little over three years since Paris was stunned by a terrorist attack in the heart of the city, with 130 people shot dead—mostly young people having fun at a concert. It made those of us who have come to know Paris stop in our tracks. And now we have again witnessed scenes of protesters in yellow vests disrupting this city of lights with anti-government demonstrations: cars being burned, fires set, graffiti marring the Arc de Triomphe, tourists and visitors running from those sites they have come so far to see. And this is Paris, one of the world’s most visited cities. Is any place safe anymore? Is London safe, or Barcelona, or Brussels, or Nice, or Las Vegas? For travel insurers, whose predominant mission is to safeguard their customers when they leave home, there is increasing need, and opportunity, to bring value to their clients beyond helping…

SUNx & Ingle International Announce SDG-17 Climate Resilience Partnership

KATOWICE, Poland and TORONTO, Dec. 11, 2018 /CNW/ – A Climate Resilience partnership, focussed on creating 100,000 Strong Climate Champions by 2030 was announced today at COP 24 in Katowice, Poland. The partnership, which was made in the spirit of SDG-17, is between leading Canadian-based global travel risk management and travel insurance provider Ingle International Inc., and SUNx (Strong Universal Network), which focusses on Climate Friendly Travel. The partnership is founded on a shared commitment to develop the Maurice Strong Legacy Scholarship Program, with Ingle International as its first global sponsor. Speaking from COP 24 – the United Nations Climate Change Conference, Professor Geoffrey Lipman, Co-founder of SUNx, said: “We are honoured to announce our partnership with Ingle International to launch the global rollout of the Maurice Strong Legacy Scholarship Program. This will create 100,000 “Strong Climate Champions” by 2030, in every UN State, to help to drive the behavioural change and influence the fundamental government and industry actions needed to tackle Climate…

Navigating Expat Insurance? Know the Rules, Know the Territory

Whether some form of Brexit occurs or not, Canadian business travellers and expatriates heading abroad will need to monitor changes to visa rules and health insurance requirements when planning trips to the UK or the remaining countries of the European Union. Unlike Canada’s single-payer healthcare system, by which provincial governments mandate the services to be provided, set the fees for those services, pay the providers, and forbid private entities from competing, most European systems allow—even encourage—a variable blending of public and privately funded health insurance. The UK, for example, offers access to its highly respected National Health Service to expatriates who meet certain residency requirements, but many prefer to “upgrade” to private plans that fill in coverage gaps, shorten wait times for referrals and certain services, and allow access to private hospitals and specialist networks. (As members of the EU, UK residents have access to the European Health Insurance Card…

Ingle-MSH International Joins Fellow Industry Experts to Discuss the Impact of Cannabis on the Travel and Tourism Industry

Canada’s recent legalization of recreational cannabis has changed the face of travel and tourism in the country. With the new laws, Canadians find themselves with new questions about the legality of travelling with cannabis, while visitors to Canada are now faced with cannabis tourism as a possible draw. With Uruguay, the Netherlands, parts of the United States, and other countries having implemented or moving to set cannabis-use laws of their own in varying degrees, it begs the question: What does legalizing cannabis around parts of the world mean for the travel and tourism industry? This topic will be explored in an upcoming webinar hosted by the World Travel & Tourism Council (WTTC), entitled “Travelling High: Current and Future Market Trends for Cannabis Tourism.” Along with experts from Colorado State University and Visit California, Ingle-MSH International will be joining the panel to discuss cross-border travel and insurance considerations on changing cannabis…

Canadian Snowbirds in Texas: Persistent, But Still at Risk

Canadians make more than two million leisure trips to Mexico annually, more than to any other country after the United States, even though the governments of Canada, the US, Britain, and other nations continue to issue travel warnings regarding certain sectors of the country. For Canada’s travel industry, especially insurers, this presents something of a quandary because travellers who encounter unexpected health problems or other disruptions to their travel plans while in certain areas of Mexico under travel warnings may find severe limitations on their coverage benefits. And sometimes it doesn’t take much to wander into such areas—as happens often to Canadians who winter in Texas’ Rio Grande Valley and walk over a footbridge into the state of Tamaulipas—an “Avoid Non-essential Travel” zone. Fortunately, the small, circumscribed tourist zone that Canada’s “Winter Texans” frequent daily is well fortified, and relatively free of crime or other disturbances. But wander beyond, and…

Health Insurance Is a Key Factor in International Students’ Choice of Canadian College

When the Government of Manitoba de-listed provincial health care as a “right” for foreign students at its universities this September, reaction to the move revealed just how significant health care insurance was to students’ choice of school. As one student from Nigeria enrolled at the University of Manitoba told local media, “free” health care was an important factor when he was deciding where to attend university. He added, “It was a big issue when I was considering Manitoba.” The student, who as a foreign national was paying at least two to three times the tuition and fees charged domestic students, was reacting to the provincial government’s repeal of a 2012 clause to the Health Insurance Act that offered foreign students access to its provincial health care scheme—access which covered not only them, but their spouses and dependents. The repeal was expected to save Manitoba taxpayers $3.1 million while costing foreign…

Mental Health Series: The Effects of Bullying on Mental Health

We’re all familiar with the image of “the school bully”: a villainous character that appears in many movies and cartoons. In these media, you often see bullying portrayed as inevitable, a sort of rite of passage that students must pass through on their way to adulthood. In today’s society, however, the idea of bullying as a rite of passage is being steadily challenged. In fact, bullying is not a harmless experience, nor one that “builds character”; research finds that being involved in bullying can have serious consequences on students’ mental health. Unfortunately, bullying is not an uncommon experience in Canada. According to the Canadian Institutes of Health Research, at least 1 in 3 adolescent students say they have recently been bullied. And among adults in Canada, 38% of men and 30% of women report having been bullied while they were at school. The issue of bullying can also target students…

Relocation Series – Moving to Shanghai, China

Welcome to our Relocation Series! Looking for better opportunities? Want to make a big life change? Finally found the dream destination you want to move to? Our Relocation Series consists of the most popular destination choices for expatriates to relocate to. We will include all the details you need to know on each country and factors to determine if it would be the perfect fit for you! Let us make your life easier for this next big step you are taking. A comprehensive guide for moving to and living in Shanghai Languages The language most widely spoken in China is Mandarin. In Shanghai, residents also have their own dialect called Wu Chinese. English is not widely spoken or understood in this area. Money The Chinese Yuan Renminbi (CNY) is used here. There are ATMs in big cities and towns but China is still largely a cash culture so do…

Put the “Serious” Back in Travel Insurance

Where is the logic? Some people will take two or three trips to an appliance store before deciding on a new flat-screen TV costing them over $1,000; they will grill the salesperson about the pros and cons of this set or that; and they’ll scour the fine print details to make sure their purchase meets their specific needs. Yet when purchasing a long-term travel insurance policy, without which they might lose their life savings, they’re OK to do the purchase over the phone or online in three minutes, and don’t think twice about throwing the policy in a drawer unread after receiving it from their agent. According to a recent survey of Canadian travellers done by a trade group representing travel insurers, less than half (48 per cent) of respondents said they normally check their travel insurance coverage before taking their trips; 35 per cent admitted being unsure what their…

US Lifts Ban on Pot Workers, But Travel Rules Remain—For Now

The announcement by the US Customs and Border Protection agency that it will not impede Canadians who work in the rapidly growing cannabis industry from entering the United States for routine leisure or non-business travel suggests an easing of the federal government’s long-standing prohibition of marijuana use and commerce. The CBP statement, published on its website, reads: “A Canadian citizen working or facilitating the proliferation of the legal marijuana industry in Canada, coming to the U.S. for reasons unrelated to the marijuana industry will generally be admissible to the U.S., however if a traveler is found to be coming to the U.S. for a reason related to the marijuana industry, they may be deemed inadmissible.” The CBP clarification followed several weeks of speculation about how stringently CBP officers would enforce border restrictions on not only Canadian cannabis workers, but all other Canadian travellers whose own government has permitted them to…

Mental Health Series: Depression and Anxiety Are on the Rise Among Canadian Students

Students heading into university face a world of new possibilities—but that comes with new challenges too. And in recent years, those challenges have appeared to reach critical mass, with anxiety and depression both on the rise among Canada’s university students. According to a survey of Ontario university students by the American College Health Association, between 2013 and 2016, this student population experienced a 50% increase in anxiety, a 47% increase in depression, and a 47% increase in suicide attempts. And according to a recent report in The Globe and Mail, a fifth of Canadian postsecondary students now report being depressed, anxious, or otherwise struggling with their mental health.

Dark Tourism – Do You Dare?

What Is Dark Tourism? Travel to places historically associated with death and tragedy. Morbid right? But here’s the reasons tourists visit Dark Tourism sites 1 – Curiosity 2 – Step back into history & feel the impact of the events 3 – Understand what happened first-hand 4 – Pay respects & visit memorials 5 – Experience the creation of reflective memories 6 – Remember what it is to be human People go for many reasons, but ultimately, it just means you are interested in learning about life and history. If you dare to go…here are some of the top Dark Tourism destinations & most Haunted places in the world Bran Castle, Romania The home of Bram Stoker’s “Dracula” seems to be based on this Romanian castle on the border between Transylvania and Wallachia. The former seat of the infamous Vlad the Impaler, Bran Castle is now a museum for…

Goodbye NAFTA. Hello USMCA. Hold on to Your Health Insurance

Canada’s new trade agreement with the United States and Mexico (replacing NAFTA) has gone through a tortuous negotiation, but finally has been completed. And according to the new rules built into USMCA (US, Mexico, Canada Agreement) there are no changes to visa requirements for workers and professionals affected by the new accord. The old NAFTA rules remain for business visitors, professionals, intra-company transferees, and traders and investors. (For details or updates on those rules, you can visit the Government of Canada’s website.) In short, the agreement doesn’t change a member country’s general immigration regulations governing public health, safety, and national security; and, significantly for workers and professionals posted abroad for long periods, it still doesn’t make provisions for any kind of reciprocity for health care coverage as has been a staple for individuals and companies operating within European Union countries. USMCA (like its forerunner NAFTA) is tied to trade, and…

StudyInsured: Your One-Stop Shop for International Student Insurance

Looking for the best travel insurance coverage for your international student(s)? Look no further – StudyInsured has it all! From protecting a student’s medical needs, to the accessibility of 24/7 multilingual emergency assistance services, and even a Stay Healthy at School Program. Read our latest press release on why StudyInsured is your one-stop shop for International Student Insurance. Are you an international student? Let us help you feel at home while you study abroad. We cover all your health insurance needs, give you easily accessible resources for navigating the healthcare systems, provide physical and mental wellness support through the Stay Healthy at School program, 24/7 claim services should you need assistance, and much more. For more information, visit https://www.inglestudents.com/studyinsured/, call us at 1-855-649-4182 or email us at studentteam@studyinsured.com.