Things to Know Before Your Pandemic Road Trip

The year 2020 is one for the books – though not in a positive light. After months of imposed staycation, Canadians are looking for relief from the COVID-19 dystopia in which we now live. Here’s where the reality check comes in. The Canada-US border is still closed to non-essential travel (and likely will be until the end of the year). Air travel is mostly grounded and even then, a bit iffy. Luckily, Canada offers a vast backyard with ten provinces and three territories to discover. So, if you’re thinking about hitting the road before winter – or the next lockdown – sets in, here are some things to consider: Play it safe. Choose someone from within your bubble as your travel partner(s). If that’s not possible, you and your roadie(s) should self-quarantine for two weeks before you leave to ensure you’re not carriers.Plan ahead. Consider a destination that isn’t a…

Insurance for Travel in Canada: Don’t Leave Home Without It

It’s a common misconception among Canadians that provincial health insurance will provide complete coverage while they’re travelling in Canada. Unfortunately, they’re misinformed. While provincial health plans do cover a wide variety of health and emergency services in your home province, it does not always extend to other Canadian provinces. Depending on your province of residence, your provincial plan may cover only a portion, or none of the costs associated with: Emergency room and hospital feesAmbulance services and air evacuationDoctor visitsPrescriptionsRadiology and lab workMedical equipment rentalsDental servicesTransportation of vehicle to primary residence for travellers unable to safely drive homeTransportation of loved ones to your bedside, including meals and accommodation The good news is that many emergency travel insurance policies cover these costs and more. As an additional bonus, plans for travel within Canada are often more affordably priced than those for travel abroad, forgoing medical questionnaires, even for individuals over 60…

PRESS RELEASE: MSH International (Americas) expands product offering to include student accident insurance for Canadian families

CALGARY, TORONTO, September 10, 2020 – MSH International (Americas) announced today the introduction of student accident insurance for families across Canada under the brand, KidsInsured™. The company’s new product offering will help to protect families from expenses not covered by government health care or group insurance plans. The product showcases specific benefits and flexibility options to address the needs of Canadian families including a cash allowance for costs associated with extended hospital stays such as parking, in-room television or Wi-Fi access, parking, cafeteria meals or babysitting expenses for family members. Unlike traditional student accident insurance products, KidsInsured™ will also be available for purchase at any time of year, with no specified eligibility or purchase period. “We know that families seek out value where they can, especially in this current market. Providing an insurance product with a hospital cash allowance and open purchase period was an easy way to provide that…

Travel Demands Determination—Don’t Give Up

Though the Canadian government continues to warn against all international travel because of ongoing COVID-19 prevalence, the US State Department has begun easing its warnings for most countries down to Level 3 (Reconsider travel) from the highest Level 4 (Do not travel). Canada is now listed in the Level 3 range even though the border with the US remains shut to non-essential travel. Still on the US “Do Not Travel” list are such major destinations as Mexico, Russia, China, Brazil, India, Egypt, and several countries in the Middle East, Africa, and Asia. However, despite the warning level easing for outbound travel, there are still some European countries that do not allow Americans entry for leisure purposes, or that at least demand certain health checks or other clearance conditions. Canadians, however, are welcome in more countries—even though your government would prefer you to stay home. How do you plan ahead? So…

Time to Shake the Pandemic Blues? Maybe Soon

Tired of sitting in your backyard—alone? Bored by bureaucratic admonitions to wear your mask, stand apart, wash your hands, and sneeze into your elbow? Hang in there. More and more countries are prepared to welcome you but you still need to be selective. At this point much of Europe is open to Canadians (if you can find flights that fit your schedule and budget). All airlines are flying greatly reduced schedules and you may have to provide proof of a recent negative COVID test, but that’s a small price to pay for salvaging something out of the dwindling summer and upcoming fall. The Caribbean too is welcoming Canadians—albeit doing the limbo with a mask may be a little challenging—but mainland guests are highly prized and prices are quite reasonable. Also, as you may have read in the mainstream media, some Canadian insurers are now offering coverage for COVID-related medical services…

Earn FREE Continuing Education (CE) credits with: Pre-Ex 101: Insurance Rules for Pre-Existing Conditions

What you’ll learn: How to identify what constitutes a pre-existing condition Whether your client’s condition is insurable The application process and its requirementsHow to guide applicants through application process Register today for one of the upcoming sessions! Wednesday, August 5, 2020 12pm EDT, (10 am MDT, 9 am PDT) Wednesday, August 12, 2020 12pm EDT, (10 am MDT, 9 am PDT) Hosted by subject matter experts: Gail Roberts, Sales Executive Alannah Amantea, Sales Executive

Canadian Travel Insurers Prepared to Offer COVID Coverage

Media announcements that major insurers are prepared to start covering COVID-related medical emergencies for Canadian out-of-country travelers will clearly put pressure on the federal government to ease its restrictions on international travel. At present, Travel Canada maintains its “Avoid all non-essential “ warning for all foreign travel, even though European nations have opened up their borders to several countries—among them Canada—which they consider has adequately controlled the spread of COVID. The advisory warns that if travelers choose to defy the advisory “your insurance may not cover your travel or medical expenses.” That of course, is a decision to be made by individual insurers not by government, and Manulife, Allianz and TUGO, Canada’s largest travel insurers have confirmed that as soon as the feds drop their advisory, they are prepared to offer COVID cover in most of their policies, under the existing limitations in their policies. And Medipac International, the designated…

Is Florida In Your Sights This Winter? A Ground Level Report.

As the Canadian/US border shutdown moves towards autumn, snowbirds and short- term winter vacationers are being left with little time to plan their next moves or commit to travel plans that many have considered their God-given right during inconsiderate winter weather. Though many Caribbean countries and Mexico have sent a hearty welcome to their northern neighbours, (see our previous article on this issue) there are some caveats that go with the invitation—masks, distancing, virus test verifications, stripped-down luxuries, even beach and surf patrols to ensure proper behaviour. Not great, but perhaps tolerable considering the alternative. Florida at ground level. Despite these offerings by other warm weather destinations, Florida remains Canada’s pre-eminent winter vacation destination, and given the recent reports of COVID surges throughout the state, many of them somewhat overblown, let’s take a ground level look everyday life in the Sunshine State today and what Canadians might expect to see…

Do Your International Students Have COVID-19 Coverage?

This fall, StudyInsured™ will welcome new and returning international students, with full medical coverage from the day they arrive in Canada. As with all StudyInsured™ health insurance plans, this includes illnesses and expenses related to COVID-19, during and after quarantine. If you want to know more or have questions about your international student insurance coverage, contact any of our Student Team members listed below. We are always here for you and your students. CLICK HERE TO LEARN ABOUT THE CANADA TRAVEL EXEMPTION FOR INTERNATIONAL STUDENTS

Battling COVID-19 Episode 8: Staying The Course by Dr. Michael Szabo

Summer is officially in full gear now. Isn’t it great? Warm weather is here! Backyard barbeques, long walks outside, swimming and picnics. But we all know it isn’t completely like old times, there’s still a little something different, right? COVID-19, the pesky little virus we’ve come to know all too well, is still around. In Canada, we’ve done very well to minimize the spread of this virus. The majority of us have done an excellent job at following the public health guidelines to physically distance, wash our hands, avoid others if we are unwell and to wear a mask when appropriate. We look to our neighbours in the south and can see what occurs when the guidelines aren’t followed, and we don’t want that to happen to us. However, it’s tough to believe that we need to be vigilant when most of us don’t know people who are getting infected and we hear…

EU Welcomes “Safe” Canadian Travellers. But Are You Ready?

Now that Canadians have earned a spot on the European Union’s safe travellers list, does that mean you are free and clear to book summer vacations or family visits wherever you like throughout the EU? The short answer is Maybe, and there are many contingencies to consider before you set your sights on spending part of the summer in Britain, France, Germany, Finland, Italy or any of the other EU member countries. The UK, for example has taken the biggest step forward in welcoming foreign visitors by dropping the 14-day quarantine requirement for those from “safe” countries (US is not included) as well for returning Brits. Ironically, the biggest problem for Canadians planning overseas travel is not their destination country, but Ottawa, which requires (as of this date) that Canadians returning from abroad may still be subject to 14-day self-quarantines. Sort of “Welcome Home. But…” Specifically, Travel Canada warns: “While…

Travelling within Canada: Your Out-of-Province Health Coverage

If you get sick while travelling within Canada, it’s generally pretty easy to receive immediate medical attention without having to foot the bill. The reason is that all of the provinces and territories, except Quebec, signed an Interprovincial Billing Agreement under which the host province agrees to cover the cost of any medically necessary service provided and subsequently bill the home province for reimbursement. That being said, there are certain differences to your coverage when you travel outside of your home province. Understanding these differences can help you avoid having to pay unnecessary expenses. What is and isn’t covered out of province? In accordance with the Canada Health Act, medically necessary health care services are typically covered when travelling within Canada. In other words, if you become ill or have an accident in another province, your hospital and physician services will likely be covered. However, additional services, such as an…

Be Cautious of “Opening Day” Specials at Caribbean Resorts

Though vacation resorts throughout the Caribbean and Mexico are promoting re-opening dates throughout July and August. Canadians need to be careful about committing to firm reservations and deposits. You may be in for a culture shock. Let’s take Jamaica as an example because its tourism ministry has provided a detailed protocol (in 120 pages) that all hotels and resorts must follow in protecting their international visitors and their own citizens from the effects of COVID-19. It is expected to guide other Caribbean nations as they open up, which many have already done or will do in the next few weeks. Before you even board your flight to Norman Manley International Airport in Kingston or Sangster International in Montego Bay, you’ll need to have some form of certification that you have tested negative for COVID. If not, expect be swab-tested on arrival, and to undergo a temperature check. Then when you…

We support the fight for Freedom and Justice

Dear colleagues, The past few weeks have served as a stark reminder of the horrific impact of anti-Black racism across North America. We have also seen diverse demonstrations of people around the world, banding together in a collective call for change. We, at StudyInsured™, support the fight against racism, prejudice and bigotry in all its forms. As one of the largest and longest-serving providers of international student insurance, we believe that the study abroad experience is transformational, helping to expand our world views and teach tolerance and respect for each other. While Canada outwardly celebrates diversity, international students within our borders have sadly, been subjected to acts of bullying, racism and discrimination. In the spirit of actions speaking louder than words, we want to empower our partner schools with useful tools in the fight against social injustice through the following initiatives: A cyberbullying toolkit, outlining strategies to help educators identify…

Enable a successful return to work for employees…

…while taking mental health into account As companies around the world organize their employees’ “physical” return to work, questions about the psychological challenges employees experienced during the lockdown should be addressed. Taking into account the mental health impacts of COVID-19 will fortify a safe and successful return to work. This webinar will help to better understand these impacts by reviewing concrete examples and recommending practical measures to implement. O U R E X P E R T S W I L L D I S C U S S : Psychological occurrences and effects during lockdownSteps management should take to adapt to the diversity of employees’ psychological needsA global overview of best practices, based on real-life casesQ&A (20 min) The session takes place at 8:00AM – 9:00AM (EDT) on Thursday, June 25, 2020. It is especially relevant for anyone in a leadership or Human Resources role. Register for the webinar OUR SPEAKERS:…

Happy Birthday, Canada! How Old Are You Now?

You might hear people say that Canada is turning 153 years old this year. What this really means is that we’re celebrating the 153rd anniversary of the Constitution Act of 1867, which established Canada as a country. In actuality, this place is a whole lot older than 150 years! Long before European settlers showed up, this land was inhabited by Canada’s First Nations. In fact, they’ve been living in the place we now call Canada for at least 12,000 years. (Learn more about the first peoples of Canada.) Of course, having lived here for such a long time, our various First Nations groups have their own unique explanations as to how our country came to be. Read some of those creation stories here—and find out why some know North America better as “Turtle Island.” For the key events in Canadian history since Europeans came to our shores, see this summary…

Canada Accommodates International Students: Even Through the Pandemic

As America prepares to pare down its recruitment of international students—citing tighter immigration controls, job protection for homegrown graduates, concerns about China’s infiltration of intellectual properties, and the lingering consequences of COVID —Canada’s colleges and universities are polishing the welcome mat, beefing up online alternatives, extending post-graduate work guarantees, and ultimately strengthening Canada’s position as the world’s third most favoured destination for international students. According to Immigration, Refugees and Citizenship Canada (IRCC), international students to Canada have more than trebled their numbers since 2009, peaking at 642,000 in 2019—behind only the US and Australia. Of these, 48 percent have chosen to study in Ontario, 23 percent in British Columbia, 14 percent in Quebec and the remainder have spread across all of Canada’s other provinces. Clearly, the onset of COVID will impact those numbers going into 2020/2021. But in May, IRCC announced accommodations to shield international students from major disruptions by…

Travel Insurance is Not “Optional” in Navigating the Pandemic

If ever there was ever a time for Canadians to consider travel insurance mandatory—this is it. With much of the western world inching toward re-opening leisure (non-essential) travel, the prospects for mandatory temperature checks, health status certificates, quarantine requirements, and unexpected cancellations are expected to last for the remainder of 2020 and perhaps into 2021. And if an illness, or even a high temperature reading, can force you into a 14-day quarantine (imposed either by your host country or your own government) consider the cost. To date, most governments (Canada’s included) have strongly urged travellers leaving their country to get the best medical and trip cancellation/interruption insurance possible. Their travel advisory websites have gone to great lengths describing the types of insurance available and the situations that can trigger the need for cover. The need for this was clearly illustrated when the Canadian government sent chartered airliners across the Pacific…

From StudyInsured: A Message of Commitment COVID-19 COVERAGE

I hope this message finds you, your families, friends and colleagues safe and healthy during this difficult time. From the onset of this crisis, we, at StudyInsured, responded quickly. Since last December, we have provided assistance and support to clients around the world, including China, India, the United Kingdom and Europe, as they experienced the effects of COVID-19. Knowing full well that our partner schools would need more than medical coverage, we mobilized tools, information and support resources. Even with these new developments, our services, coverage and above all, our commitment to you remains unchanged. This commitment includes coverage for illnesses and/or expenses related to COVID-19. To be clear: advocating for international travel and education, supporting schools with scholarships and grants and providing international students with peace of mind is more than just a business for us – it’s been our pledge since 1946. We continue to work hard, even…

MSH Americas and StudyInsured™ are proud to announce the launch of the International Student Wellness Hub

Our mission at MSH Americas will always be the same: to respond to the needs of today’s globally-mobile individuals and organizations with innovated products and industry leading duty of care solutions. Since 1946, we have been protecting international students and supporting schools to improve the study aboard experience in Canada and around the world. Being able to anticipate the changing landscape of the international education industry and responding to the needs of students and schools is what sets StudyInsured™ apart from the competition. To continue this legacy, we are proud to bring the International Student Wellness Hub to our students, schools, and partners here at home and around the world. The Hub is the ultimate resources for international students and schools, to find useful and practical information during this uncertain time due to COVID-19. The Hub includes information on: 1. Mental Health Tip Sheets for students: Information and tips for your mental health, and…

Battling COVID-19 Episode 7: Being Patient in a Challenging Time by Dr. Michael Szabo

Remember back in early to mid-March when the reality of COVID-19 was sinking in? Before that point, we knew it was an issue of concern, but we didn’t think it was much to stress over. However, we slowly began to realize that the virus was spreading in the community in North America. We heard horror stories from hospitals in Italy, where health care staff were overwhelmed. We began to see the same thing happening in New York City. All of a sudden, it changed, and our lives were altered dramatically. We immediately went into lockdown. We didn’t leave the house unless absolutely necessary. March Break vacations were cancelled. Restaurants and stores were shut down. Schools were closed. We started working from home. We carefully wiped down our groceries and washed our hands obsessively. I listened to a podcast recently where one of the speakers likened it to what happens when someone…

FREE Webinar on Re-engineering Readiness

Tues, May 26th, 2020 | 10:30 – 19:30 BST We are thrilled to announce that MSH Americas will be part of The Global Travel and Tourism Resilience Council full-day Virtual Summit, with more than 60 speakers representing travel and hospitality, national governments and NGOs and associated industries such as finance, communications, technology and healthcare. Key takeaways from this summit include how to: Assess the state of play for the industryIdentify new trends in travelEstablish trust in a post-lockdown worldBuild credibility and reduce fear through communication and action Speakers: Greg Land, Global Industry Leader, Hospitality & Travel, IBM Robin Ingle, CEO, Ingle International / MSH AmericasAkemi Tsunagawa, CEO, Bespoke Tony Smyth, SVP, iFree Group Carlos Cendra, CMO, Mabrian Technologies Moderated by: Lee Hayhurst, Editor, Travolution Click here for full conference agenda Join us for the FREE Re-engineering Readiness Summit that will take place from 10:30 – 19:30 BST on Tuesday, May 26. Sign-up Today!

Working Out at Home Like a Pro during COVID-19

As the world adjusts to life during the coronavirus pandemic, many of us are spending much more time at home than we usually would. Whatever routines we may have had just a few short months ago have had to adapt and change. And current social distancing guidelines meaning that in-person fitness classes are not likely to come back any time soon. The good news is that there are plenty of exercises you can complete in the comfort of your own home, right now—no fancy equipment required. Here are a few tips to help you make the most of your at-home workout. Start with bodyweight exercises Bodyweight exercises are just what they sound like: rather than relying on equipment or weights, they use the weight of your body—like push-ups and sit-ups, for example. This makes them easy to complete pretty much anywhere. (Just don’t forget to stretch first!) Here are some…

Are Snowbirds Ready to Plan for Life After Covid?

Any other year, Canadian snowbirds would be anticipating the release of early-bird travel insurance deals for the coming winter season in the US sunbelt or other warm subtropical location. June, July, August—that’s when insurers normally begin rolling out their products for the coming season. But this is not just any other year. The attack of Covid-19 coronavirus has seen to that. As we know, many of you got back north of the border by the skin of your teeth in late March and April before the border shut down. A few others didn’t quite make it and had to pay the price of quarantine. And now the quandary: what to do about winter 20/21? A lot of questions to deal with. When will the US/Canada border restrictions end? Will you feel safe travelling to your winter home? Will you have to wear a face mask all winter? How do you…

Time to Think About Travel Strategies—After Covid-19

That Air Canada expects the pandemic hangover to last at least three years, exposing the airline industry to endure its “darkest period ever,” portends deep instability for all aspiring travellers for the foreseeable future. Canadians and Americans have a lot of places to go and activities to enjoy within a day’s drive—anticipating that the border shutdown between our countries doesn’t last indefinitely. But without the sustenance of air travellers, the tourism infrastructure—hotels, entertainment venues, theme parks, all-inclusive resorts, and mom and pop roadside operations, can’t operate at full capacity and with complete menus for long. A winnowing of destination choices and services becomes inevitable. As Air Canada Chief Executive Calin Rovinescu said in a statement dated May 4, “We expect that both the overall industry and our airlines will be considerably smaller for some time, which will unfortunately result in significant reductions in both fleet and employee levels.” What you…

Battling COVID-19 Episode 6: Wearing masks properly by Dr. Michael Szabo

The decision by public health authorities on whether or not to recommend the use of face masks was a difficult one. One of the biggest reasons was that educating the public on how to safely wear a face mask is challenging, because of the many details involved. During my recent forays into the public, here are the top 5 issues I have seen with people wearing masks:  Pulling the face mask down over your chin.  This is probably the number one mistake.  After wearing a mask while outside for a walk or going to the grocery store, you may need to talk to someone more clearly, eat or just “want a break” from it – so you pull it down over your chin. By doing this, you effectively contaminate yourself with any virus particles that were on your mask prior to that. The rule is once you put your mask…

“Every Kid Needs a Champion”: Five Must-Watch Videos for Teacher Appreciation Week During Covid-19

Being a teacher isn’t easy, especially in a COVID-19 world with virtual classrooms and technological challenges. This Teacher Appreciation Week, we pay tribute to all teachers by sharing five heartfelt videos to show our solidarity with their efforts and appreciation for all they do: 1. Every Kid Needs A Champion | Rita Pierson Source: Ted Talks Education 2. A Teacher Appreciation Week for the Ages Source: Edutopia 3. Barack Obama Surprises Teachers for National Teacher Appreciation Week Source: NowThis 4. ‘This Will Be A Teacher Appreciation Week to Remember’: WCPSS Superintendent Cathy Moore Source: TheNews&Observer 5. Student Parade for Teachers Source: Wane.com To all teachers and school administrators, thank you for going above and beyond in your efforts to instruct, inspire and challenge students to believe in themselves🍎 – The StudyInsured Team

[Battling COVID-19 Episode 5] A Vaccine for Coronavirus: Are We There Yet? By Dr. Michael Szabo

The current COVID-19 pandemic has led to an unprecedented effort by scientists around the world to develop a vaccine. Vaccines are important to protect us where the risks of natural infection are significant. COVID-19 is a more deadly and dangerous virus than the flu. While we still do not have definitive data on the true risks of infection with COVID-19, one can safely say that places like New York City or Italy have never seen a flu season similar to what they are currently going through. Since mid-March, more than 60,000 people have lost their lives in the United States due to COVID-19. It is important to note that this has happened despite the institution of public health measures like physical distancing, quarantines and self-isolation. If not for these, thousands more would have died. Is Allowing Natural Infection a Good Option? One way to protect the population is to allow…

Five Self-Isolating Tips From A Nuclear Submarine Captain

The evolution of the brain is the most obvious example of how we evolve to adapt.Rick Potts, Director of the Human Origins program at the Smithsonian Institution National Museum of Natural History We’re all living in a new world, and the self-isolation that comes with it. As social beings, we’re used to living our lives by connecting and empathizing with others. Read on for some survival tips on how to cope with our new reality, as told by a nuclear submarine captain about his experience on a U-boat. 1. Ask questions: “How are you feeling today?” has become our new greeting – and that’s fine. We need to reach out to friends and family and check in every day. It instills empathy and reminds us to feel that we’re not alone. 2. Think first, act later: When living through stressful situations, we tend to act on instinct. Let’s slow down…

Cruise Bargains Sound Tempting. Can You Afford to Bite?

Despite the lingering images of cruise ships stranded at sea with passengers begging to be freed, the world’s cruise lines continue to drum up business for 2021 and even 2022. And bookings are said to be brisk–thanks to deep price-cuts and on-board cash value incentives. When US Centers for Disease Control and Prevention (CDC) lifts its “No Sail” order depends on when it considers the COVID-19 plague under control. And though cruising is a worldwide industry extending far beyond US ports, the world’s three biggest lines*are headquartered in Florida, and their vessels at some time or other sail in US-controlled waters patrolled by the US Coast Guard. Thus, CDC jurisdiction is quite clear. (*Carnival Cruises, Royal Caribbean, and Norwegian Cruise Holdings account for 60 percent of all cruise traffic). However, none of these lines, and very few others, are flagged in the US, thus they have not been included in…

Battling COVID-19 Episode 4: Why we need to keep physical distancing By Dr Michael Szabo

In Canada, our efforts to flatten the curve are going well. Thankfully, we haven’t seen the same surge of cases that hit New York City, Italy and Spain. Don’t get me wrong, those of us on the front lines here have seen a lot of cases, but so far, our health care system hasn’t been overwhelmed. While our good fortune has much to do with our heeding of public health guidelines, collective uptake of physical distancing rules and staying home as much as possible, I’m still a little worried. There is something about our human nature that concerns me. At times, public health strategies can become the victims of their own success. Vaccines are a great example. The incidence of diseases that were once part and parcel of everyday life has been greatly reduced, and in some cases, eradicated completely with the advent of vaccination. As we don’t see these…

[CE Credit Webinar] Managing Expats: Know the Landscape, Seize the Opportunity

Attention agents and brokers in Alberta, British Columbia, and Ontario! Are you looking for free Continuing Education (CE) credits? Do you know the difference between a travel insurance solution and iPMI (International Private Medical Insurance)? Do you want to learn how to successfully overcome global mobility challenges? Get the right global mobility strategy to embrace these changing times in a free CE Credit Webinar on Wednesday, April 29 or Wednesday, May 6, sponsored by MSH International (Americas). Join this session to learn: How to define an expatriate vs. a global citizenSolutions for an improved travel and health care experience for globally mobile clientsBest practices on how to provide value amid changing global circumstances Register today for one of the upcoming sessions: Wednesday, April 29 – 11am MST / 10am PST / 1pm EST Wednesday, May 6 – 11am MST / 10am PST / 1pm EST Hosted by Sales Executives, Alannah…

Is Coming Back to Normal, Good Enough?

It may be too early to think about getting back to “normal” once the threat, and the carnage, of COVID recedes. It could be that what was once normal just isn’t realistic anymore. In Europe, border-free travel between neighbouring states is no longer a given. We have seen how quickly self-preservation can overrule an ideological imperative. In North America, the unthinkable action of shutting down the “world’s longest undefended border” has actually happened—even though commerce continued and most “trapped” travellers eventually found their way home. But just the fact that it could be shut down came as a stunning shock of millions on either side of the so called 49th parallel who had come think that “crossing over” for a few days or half a year was a basic human “right.” It isn’t. It never has been. It’s a privilege. And it can be withdrawn if push comes to shove…quickly. Reality can be stark. How are these new “realities” going to colour our perspectives as…

Introducing MSH HealthExtend

Flexible, everyday health coverage, affordably priced Is your client… In need of a benefit plan? We can help them take care of their health and wellness. We partner with the world’s best providers of health benefit plans to bring your clients uninterrupted health coverage, tailored to their needs. Our expert advisors are with you every step of the way to help you choose the right product and streamline the enrollment process. Contact our Health & Insurance Solutions TeamCall toll-free: 1 800 292 9460Email: msh.agent@americas.msh-intl.com

Time for Canadians to Take up Trip Cancellation Coverage

It may be some time before tourism gets back to normal, but one thing the COVID pandemic should have taught Canadians is that they should be paying just as much attention to trip cancellation/interruption insurance as they do to out-of-country medical emergency coverage. The recent example of cruise ships being forced to cancel or divert trips for which their passengers have already prepaid several thousand dollars emphasizes that travelers could be at significant financial risk very quickly through no fault of their own. And though cruise companies have responded with pledges of refunds for interrupted or aborted voyages, those refunds usually take the form of credits for future cruises—not cash. Such credits don’t always confirm vacationers’ schedules or their changing attitudes about the cruise experience. A 2019 survey by travel insurance vendor Kanetix revealed that 65 percent of prospective Canadian travelers do not buy travel insurance or even know if they have cancellation or interruption benefits in their policies—which in Canada are heavily skewed to medical emergency coverage. …

[Battling COVID-19 Episode 3] Face Masks in a COVID-19 World: To Wear or Not to Wear? By Dr. Michael Szabo

Should we wear a face mask when out in public right now? It’s a question many people have since the Centers for Disease Control and Prevention (CDC) issued its new recommendation that people wear face masks when leaving their homes. Canada’s chief public health officer has echoed the recommendation. There is confusion because the CDC and the Public Health Agency of Canada had initially suggested that face masks not be worn in public. The flip-flop in recommendations has triggered many questions. It’s important to understand that, in a complex and evolving situation as this, it can be quite difficult to set a firm policy. As the situation changes, the risks and benefits of recommendations are constantly re-evaluated. In a way, it’s reassuring that agencies aren’t being rigid and are revising their guidelines based on the best available information, with the goal of keeping us all safe. However, the reason behind…