Assistance

You’ve Got Questions? We’ve Got Answers (Part 1)

At Travel Insurance File, we get plenty of interesting questions from readers like you—be they looking to purchase travel insurance coverage or simply confused about how much time they can spend in the US. Here’s a look at some of the questions you’ve asked us lately… Q: I am a Canadian citizen who has recently moved back to Canada after living abroad for an extended period of time. How long until I am eligible for provincial health care benefits again? A: You will be eligible for provincial health benefits three months after you return to your province and notify the government of your presence. During that time you must be physically present in the province. Since you wouldn’t want to be uninsured during that period, consider purchasing a short-term insurance plan to fill the gap. Q: I live near the Canada-US border, and sometimes I cross over for a few…

Save Money While Living Overseas

Go abroad and save money? While it may sound like an oxymoron, it isn’t as difficult as it sounds. You don’t have to choose between your dream of studying abroad and all of your life savings! We all know that going on vacation requires a bit of a budget. But one of the greatest parts of life overseas is getting the chance to experience a new society. In other words: You are no longer a tourist. You’re a resident. So you don’t have to spend your time—or your money—hopping from one tourist spot to the next. Taking a more relaxed approach to discovering your new home will be rewarding for you and your bank account. How, you ask? Keep reading for some tips on how to have fun and save big! Learn how to cook Restaurants aren’t the only place to get a taste of authentic Canadian cuisine. Ask…

These Tips for Annual-Plan Holders Could Save You Time

A client calls to say: “Hi, we are heading across the border next week.” You forget they already have an annual travel plan and jump into your sales routine. “Where will you be going? How long will you be travelling? What sorts of crazy things will you be doing while away?” The interrogation continues. The caller answers all of your questions politely, then mentions their existing coverage. D’oh! Patrick Chiasson, Broker Services Manager at Ingle International, says he has had several such calls over the years, particularly from those who regularly drive across the US border. Eventually the novice annual-plan holders will pop the key question: “Do I have to call you every time I plan a trip?” 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. Short trips: You need not…

Government Travel Resources

We’ve compiled a list of resources for you to read through before your trip. Find travel advice and answers to travel-related questions — all in one convenient location! Canadian Government Resources Travel Reports & Warnings This website offers information on safety and security, local laws and customs, entry requirements, health conditions, and important travel updates. Go now Public Health Agency of Canada – Travel Health Notices The Public Health Agency of Canada (PHAC) is the main government of Canada agency responsible for public health in Canada. Visit the Travel Health Notices page to stay up to date on which countries have health advisories, and how high the level of risk might be. Go now Directory of Canadian Government Offices Abroad This directory contains website and contact information for Canadian government offices abroad. These offices provide a variety of services to Canadians, including consular services. Go now International Resources World Health…

Understanding My Insurance Policy

At Ingle, we understand that insurance can be tricky. That’s why we’ve created one simple document to help you better understand your insurance policy. Take a moment to give it a read, and you’ll see that insurance is easy with Ingle. The policy document is the most important part of your insurance package. It provides you with pertinent details about the insurance you have bought. Read your policy document carefully to make sure you understand exactly what is (and isn’t) covered. See below to learn what kind of information you will find in each section of your insurance policy: Benefits This section lists services and expenses that are covered under the policy, with a precise explanation of what each benefit means. Some benefits or services have lower coverage limits, or need to be approved by the insurer before you make use of them. Make sure you read this section…

How to Submit a Claim

If you have an accident or injury, and have to pay up front for medical services, you will need to submit a claim to get your money back. Below is a 10-step guide to submitting your claims. Keep all your receipts: Ask for a receipt every time you pay for a medical service. You will need to include these with your claim form. Get an official claim form: Your insurance provider can provide you with a claim form for your policy. Call the Claims Inquiries phone number on your policy booklet. Include up-to-date information: Make sure your contact information is current in case the insurance provider needs to contact you with additional questions. Complete the form honestly and accurately: Make sure you include all the relevant information about your illness or injury. Try to include as much detail as possible, especially if the situation was unusual. Don’t skip any questions:…