Insurance

COVID-19 Expatriates FAQ’s

Effective Date: March 26, 2020Please note: This FAQ document replaces any and all previous versions. Currently Available in English Only. Can I receive COVID-19 testing even if I have no symptoms? Since medical benefits are largely limited to expenses related to unforeseen emergencies requiring immediate attention, elective testing for COVID-19 is unfortunately not covered. If you are in Canada, please check with your province’s Ministry of Health for COVID-19 testing details. For example, in Ontario, COVID-19 testing is covered at no charge, regardless of your eligibility under the Ontario Health Insurance Plan. Where do I go for COVID-19 testing? If you are in Canada, please visit the website for your province’s Ministry of Health to view a list of assessment centres in your area. Are over-the-counter COVID-19 screening kits (such as those available in pharmacies) covered? Unfortunately, over-the-counter medications, including screening kits, are not covered. Does my policy cover medical…

COVID-19 Visitors to Canada FAQ’s

Effective Date: March 26, 2020Please note: This FAQ document replaces any and all previous versions. Currently Available in English Only. Can I receive COVID-19 testing even if I have no symptoms? Since medical benefits are largely limited to expenses related to unforeseen emergencies requiring immediate attention, elective testing for COVID-19 is unfortunately not covered. If you are in Canada, please check with your province’s Ministry of Health for COVID-19 testing details. For example, in Ontario, COVID-19 testing is covered at no charge, regardless of your eligibility under the Ontario Health Insurance Plan. Where do I go for COVID-19 testing? If you are in Canada, please visit the website for your province’s Ministry of Health to view a list of assessment centres in your area. Are over-the-counter COVID-19 screening kits (such as those available in pharmacies) covered? Unfortunately, over-the-counter medications, including screening kits, are not covered. Does my policy cover medical…

COVID-19 Canadian Travellers FAQ’s

Effective Date: March 26, 2020Please note: This FAQ document replaces any and all previous versions. Currently Available in English Only. Can I receive COVID-19 testing even if I have no symptoms? Since medical benefits are largely limited to expenses related to unforeseen emergencies requiring immediate attention, elective testing for COVID-19 is unfortunately not covered. If you are in Canada, please check with your province’s Ministry of Health for COVID-19 testing details. For example, in Ontario, COVID-19 testing is covered at no charge, regardless of your eligibility under the Ontario Health Insurance Plan. Where do I go for COVID-19 testing? If you are in Canada, please visit the website for your province’s Ministry of Health to view a list of assessment centres in your area. Are over-the-counter COVID-19 screening kits (such as those available in pharmacies) covered? Unfortunately, over-the-counter medications, including screening kits, are not covered. Does my policy cover medical…

COVID-19 International Students FAQ’s

Effective Date: March 26, 2020Please note: This FAQ document replaces any and all previous versions. Currently Available in English Only. Can I receive COVID-19 testing even if I have no symptoms? Since medical benefits are largely limited to expenses related to unforeseen emergencies requiring immediate attention, elective testing for COVID-19 is unfortunately not covered. If you are in Canada, please check with your province’s Ministry of Health for COVID-19 testing details. For example, in Ontario, COVID-19 testing is covered at no charge, regardless of your eligibility under the Ontario Health Insurance Plan. Where do I go for COVID-19 testing? If you are in Canada, please visit the website for your province’s Ministry of Health to view a list of assessment centres in your area. Are over-the-counter COVID-19 screening kits (such as those available in pharmacies) covered? Unfortunately, over-the-counter medications, including screening kits, are not covered. Does my policy cover medical…

Stay in Place. Follow Official Guidance. This will End.

By Milan Korcok By now, all Canadians who have been abroad should either be at home or in the final process of getting there. The coronavirus COVID-19 has changed our lives, and perhaps, when we come out at the other end of this trial, we’ll all be better off for it. We’ll be better prepared to deal with any such disruption in future, more cognizant of how vulnerable we really are when we travel to environments not our own. For now, travel is not in our immediate future. For Canadians, some of the most inveterate travellers on earth, that may seem like a forbidding challenge. But this too will pass and when it does we may view travel as more of a privilege than a human right and we’ll be more careful about our choices, our preparations, our own untidiness when it comes to making plans, our own consideration for…

Cruise Lines Roll Out Deep Bargains During Virus Threats… Interested?

By Milan Korcok Cruise lines are now offering deals you wouldn’t have believed possible even a couple of weeks ago—obviously not to China or other western Pacific regions, but anywhere else—to the Caribbean (which normally attracts 32 percent of the world’s cruise traffic), to Mediterranean waters (forget Italy), Alaska and the rest of the world. They have suffered severe business losses since the COVID epidemic spread, and they intend to stay afloat during the current tempest. It’s a buyers’ market, for either short or long term bookings. Should You buy? That’s your personal decision and your willingness to take on risk. Dr. Anthony Fauci, head of the US National Institute of Allergy and Infections Diseases, and consultant to the White House COVID response team, has advised that anybody with a serious underlying condition, and especially persons over 60 with serious conditions “should not get near a cruise ship.” Canada’s PHAC…

Coronavirus Advisory for Italy and Neighbouring Countries

February 25, 2020: Travellers planning trips anywhere to Europe in the near future need to stay tuned  to government and media alerts now that COVID-19 has seriously impacted Italy and begun its spread to neighbouring countries. As of this date, more than 200 Italians have been confirmed positive for the virus and seven have died—the heaviest toll of any country in Europe. Though most of the cases reported to date have been clustered in northern Italy, a late report has just been received of a positive confirmation of coronavirus in Sicily, southernmost Italy. And according to Germany’s DW (Deutsche Welle) News service, Austria has confirmed its first two cases of the coronavirus—detected in two Italians living in the Tyrol region who were likely infected on a recent trip to Lombardy (encompassing Milan) in northern Italy. Croatia has also reported its first confirmed case in a young man who returned from…

StudyInsured to Sponsor Former NHL Star Theo Fleury as Keynote Speaker at Conference of Canadian Association of Public Schools – International (CAPS-I)

TORONTO, FEBRUARY 25, 2020 – StudyInsured is pleased to announce its sponsorship of former NHL star Theo Fleury as keynote speaker at the Canadian Association of Public Schools – International (CAPS-I) annual conference in Vancouver, British Columbia this April. The conference provides school administrators, homestay families and other support agents of international students in Canada with the opportunity to exchange information about pressing issues in international education. This year’s theme is “Responsibility and Sustainability in International Education”. Best-known as a former NHL All-Star, Stanley Cup winner and Olympic gold medallist, Fleury’s off-ice contributions as a motivational speaker are even more inspiring. In sharing his own visceral story about overcoming trauma and addiction, he hopes to empower others to face their demons and foster healing through open conversation. Fleury’s message of hope comes amid a growing awareness of the need to support mental health initiatives for international students in Canadian…

Cruise Lines Issue Advisory on Booking Future Travel in Response to Fears around COVID-19

The impact of COVID-19 has spread far beyond China and has affected cruise ship operations not only in the Pacific but worldwide. A recent poll by Travel Weekly, a US-based trade publication, reports that 43.6 per cent of traveller-respondents expressed concern about booking a cruise anywhere. In response to such fears, the Cruise Lines International Association (CLIA), the Florida-based trade group representing the world’s global cruise industry, has issued a statement (which follows in full) outlining what cruise line operators are doing worldwide to prevent COVID-19 from being transmitted to their passengers now and in the immediate future. At this point we also advise that, though standard trip-cancellation/interruption travel insurance policies can protect you in case you are forced to cancel a cruise booking for reasons of illness or other unexpected emergencies (as defined in your policy), cancelling your booking for fear or concern that something untoward might happen is…

Spring Break Part Two: The Caribbean & South America

Feel like wandering a little farther afield than your typical Spring Break jaunt? Try venturing to one of these destinations closer to the equator for a tropical getaway. The Caribbean Mexico, Cuba, the Dominican Republic, and Costa Rica are Caribbean hotspots this time of year. It’s worth planning any excursions and activities well in advance. When it comes to dining, made-to-order food stations guarantee fresher and better-quality options. Seafood is a wise, and likelier cheaper choice, given the proximity of these locales to the ocean. Staying at an all-inclusive resort? Check the activity calendar for fun things to do—just be sure to verify what’s included in your stay. Brazil The Carnival of Brazil is a feast for the senses. Considered to be one of the world’s biggest parties, the five-day festival features parades with elaborate floats and thousands of dancers and drummers in the streets. Samba with the locals at…

COVID-19: STAY SAFE WITH THE FACTS

from the MSH Americas Medical Team WHAT IS COVID-19? COVID-19 is a strain of coronavirus that has not been previously identified in humans. CORONAVIRUSES are a family of viruses causing illness ranging from the common cold to more serious diseases such as Middle East Respiratory Synrdome (MERS-CoV), Severe Acute Respiratory Syndrome (SARS-CoV), and COVID-19 (2019-nCoV). Coronaviruses are transmitted between animals and humans. SARS was first transmitted to humans from civet cats; MERS was transmitted to humans by dromedary camels. WHAT ARE THE SYMPTOMS? Common symptoms are: Fever over 38°CCoughShortness of breath / difficulty breathing In more severe cases, infection can cause pneumonia, kidney failure, and even death. HOW IS IT SPREAD? COVID-19 is transmitted from person to person by respiratory droplets from coughing or sneezing. These droplets can be inhaled if you are in close contact with an infected person. Touching objects or surfaces with respiratory droplets on them and…

Top US Spring Break Destinations for 2020

Whatever the reason for your getaway– tired of the cold, need some family time, or just plain burnt out– here are some tips to help you get the most out of your travels during this upcoming spring break. First up, some places to consider for both relaxation and excitement in the continental USA. 3 places to spend a week off in America: MIAMI, FLORIDA It’s called the Sunshine State for a reason, so be sure to wear lots of sunscreen and drink plenty of water. The Metromover train is a convenient (and free!) way to get around downtown Miami. If you can’t do without your dose of yoga while on vacay, free classes are offered across the city. View local graffiti and street art at Wynwood Walls or take in one of the live music shows at Bayside Marketplace. A trip to Miami isn’t complete without a visit to Miami…

Companion Discount was made for Canadians!

Canadians love to travel, particularly when it involves jetting off with a family member or friend. In fact, the latest outbound data for travelling Canadians saw a new record set for the number of trips to overseas countries this past fall. Increased foreign travel has coincided with a greater need for travel insurance, particularly when considering some countries now request that travellers show proof of medical coverage before entering their borders. Travel insurance is important for a plethora of reasons (providing coverage for cancellations, health care, lost baggage, etc.), but did you know there’s a way to save your clients money on their insurance plan while still delivering them the best possible coverage to suit their needs? There’s something most travellers are missing out on when booking their travel insurance: the companion discount. What is a companion discount? A companion discount is a saving passed on to a client by…

Coronavirus Impacts Travel Insurance Coverage: Stay Protected

With commercial airline traffic to and from China virtually shut down, and with little prospect that control of the coronavirus is imminent, travellers need to do a quick study of what travel insurance can or cannot do in protecting them from unexpected costs of emergency medical care, trip cancellations, disruptions, re-routings or possibly even temporary isolation far from home. To help with that study, we have asked Matt Davies, Senior Product Specialist with MSH International to help us navigate through the finer points of travel insurance benefits and limitations as they are provided to Canadian travellers planning visits to countries impacted by the coronavirus epidemic. One important point to emphasize is that these guidelines or limitations are largely dependent on government assessments of health or other risks in foreign countries and are not just arbitrary rulings set out by insurers. The before or after rule Generally, if you purchase insurance for…

Protect Your International Visitors: Canada’s “Free” Health Care Isn’t Free

If you’re one of the many Canadians who considers your health care “free,” it is so only in that you don’t have to pay for medical or hospital services at the time when you are treated. But pay for it you certainly do, every time you buy a car or a pair of socks, go to a ballgame, or pay for virtually any transaction that is taxable. In fact, about 40 per cent of most provincial budgets are eaten up by health costs, and according to the most recent data available from the Canadian Institute for Healthcare Information, total health costs in Canada are expected to reach $7,068 per person in 2019 once all the data are tallied. That’s one of the highest costs for health care in the world—except for the US. And that is something to consider, seriously, when inviting relatives or friends from other nations to visit…

Winter getaway? March Break? A product designed for travelling Canadians!

Travelling outside of your home province? You’ll need travel insurance! Our Canuck Voyage plan is an outbound travel medical insurance plan designed to serve Canadians travelling abroad or outside of their home province within Canada. Canadians, or those with provincial or territorial health coverage, can expect coverage for single trips up to 365 days or multi-trip annual plans up to 100 days per trip. The plan boasts inclusive eligibility criteria, ample options for trip duration and age, as well as competitive pre-existing medical condition coverage that bridges the gap between conventional travel medical policies and snowbird plans. Consumer-friendly or what? Top features of Canuck Voyage include: Inclusivity: Applicants of all ages are eligible for companion discounts when purchasing coverage for two people at a time and a family discount is available for spouses up to age 59 and children age 21 and younger. Pre-existing medical condition coverage: automatic coverage without…

As of Jan. 1, changes to OHIP’s out-of-country health insurance are now in effect

We’ve been warning you since mid-summer that Ontario would be cutting its share of health costs for out-of-country travel to zero. At first, the cutoff date was set for October 1, 2019, then it was moved to January 1, 2020. And that’s where it stands. As of New Year’s Day, the Ontario Health Insurance Plan will no longer cover any part of your out-of-country emergency medical costs. This is the first province in Canada to arbitrarily carve that particular benefit out of the Canada Heath Act, purportedly saving $2.9 million to administer some $9 million in emergency health fees paid to foreign hospitals and doctors. Will other provinces follow Ontario’s lead? Who knows? We’ll tell you if it happens. Though OHIP traditionally paid only about 5 per cent of actual charges billed by foreign hospitals and doctors (the rest being paid by Canada’s private travel insurers, or by the patients…

In a High-Risk World, Do Travel Insurers and Agents Have a Duty to Advise?

Increasingly, media have been reporting on travel trouble spots around the globe, emphasizing that bad things can happen in even the nicest places. What, then, can vacationers or business travellers expect their agents or insurers to tell them about the destinations they’ve chosen? What if they just discovered that there have been unexplained deaths at a resort where they booked a stay (as occurred this past summer in the Dominican Republic), and when they tried to cancel, the resort refused to return their deposits? Or what if they suddenly found themselves in the middle of an anti-government demonstration in Chile and were injured and needed hospital care, but their insurer denied their claims because they had been warned against involvement in demonstrations by their government? Who do they go to? Why didn’t their travel agent, or travel insurance brokers, tell them these were potential trouble spots? After all, didn’t they…

5 Reasons Travelling With MSH Navigator Keeps You Safe

What is MSH Navigator? You can find everything you need in one place with MSH Navigator! MSH Navigator is a mobile app that saves time and gives travellers quick access to their most needed medical and emergency resources while travelling abroad! MSH Navigator allows travellers to feel safe and travel with confidence wherever they are in the world. Top 5 Reasons To Travel With MSH Navigator 1 – One-touch quick access to our emergency assistance number in case of medical and security emergencies. 2 – Find a nearby medical facility. Some of our providers can direct bill for you so you don’t have to pay out of pocket. 3 – Submit a claim on your phone quickly. 4 – Access to wallet card with policy information 5 – Real-time geo-targeted notifications for travel warnings and alerts How To Get MSH Navigator Any MSH policy you purchase from us will give…

Guillaume Deybach Joins MSH International (Americas) As Chief Operating Officer

MSH International (Americas) has appointed Guillaume Deybach as Chief Operating Officer (COO) of its North America division and General Manager for the United States market. With extensive management experience spanning over 20 years, Deybach brings valuable leadership to the MSH executive team during a crucial period of growth. As COO, Deybach will lead the company’s operations as well as its expansion into the United States. Having served most recently as President and CEO of GeoBlue, he transformed the company’s strategic growth and increased customer satisfaction and profitability. Prior to his role with GeoBlue, he served as President and CEO of Europ Assistance North America for 14 years, transforming its assistance offerings and client portfolio, and growing revenue through organic growth and acquisitions. “Deybach will oversee the operations team as well as the distribution process and development life cycles for MSH International (Americas) products,” said Robin Ingle, CEO of MSH International…

A Health Insurance Primer for International Students Applying to Canadian Schools

In 2018, more than 572,000 students from 168 countries were enrolled in Canadian schools ranging from secondary to postgraduate levels—16 per cent more than the previous year and 154 per cent more than in 2010. And there are more to come. The reason for such phenomenal increases: Canada’s highly regarded, quality educational system; its reputation as a tolerant and non-discriminatory society; and the lure of Canada as a permanent home after graduation. In fact, 60 per cent of international students surveyed by the Canadian Bureau of International Education (CBIE) plan to pursue permanent residency in Canada upon graduation. And there is every reason to welcome them, as in 2018 Canada’s GDP benefited by an estimated $21.6 billion from international student tuitions and fees, living costs, family visits, entertainment, and so on. (Aside from survey data collected by CBIE, all other figures cited are from official Canadian government sources). But if…

Agents – Sell Snowbird Insurance & You Could Win!

Until December 31, 2019, every Snowbird policy you sell is a ballot entry for a chance to WIN 1 of 2 $100 Amazon Gift card! Don’t miss out! As the weather cools off in the Great North, Snowbirds get ready to set off to warmer destinations. Whether your Snowbirds are headed to Florida, California, Central America, Europe or Southeast Asia — we have the plans to cover it all. MSH International offers a variety of different plans for Snowbirds.Easily reach out to a member of our Insurance Solutions Team and find the plan that best fits your client’s travelling needs today!We’re here to help you find the best coverage for your clients! Call us now!Toll Free 1 800 360 3234Worldwide 416 730 8488 Log in to your agent portal to find more information, make a quote/sale, and view your commission statements.

Canadians More Savvy about Travel Insurance than Their American Peers

Recently, the US Travel Insurance Association (USTIA), representing American travel insurance companies, announced that in 2018, Americans spent nearly US$3.8 billion on all types of travel insurance products—up 41 per cent since 2016. Pretty impressive figures—until you look at comparable data from Canada, which shows that Canadians (who represent but one-tenth the population of the US) are now approaching CA$1 billion in premiums spent for travel protection products in 2018 (CA$990 million, to be more precise), according to the Conference Board of Canada. Moreover, the USTIA survey has shown that the $3.8 billion covered only 66 million travellers (one-fifth of the US population), while Canadian data show that among 18- to 34-year-olds, 64 per cent were covered by travel insurance on their last trip out of the country, and 89 per cent of Canadians 55 and older buy insurance when travelling beyond Canada’s borders.  What we can glean from this…

More Brits Stranded, Victims of Airline Cancellations

The stunning collapse of UK’s giant tour operator Thomas Cook, which left more than 600,000 holidayers stranded in some 18 countries (150,000 from Britain alone) shows just how vulnerable travellers have become to circumstances beyond their control. That’s almost twice the number of travellers stranded when Monarch airlines went under in 2017, and an additional million more that lost their future bookings. The liquidation of the 178-year old tour company whose logo has become a familiar sight worldwide propelled the UK’s Civil Aviation Authority (CAA) to mobilize its “biggest peacetime repatriation” since the second world war to get its holidayers home—within the next two weeks and free of charge. The repatriation is being funded largely by the government-run Air Travel Organizer’s Licence (ATOL) system which requires travel companies who sell air holiday packages to meet certain licensing requirements and contribute to a trust fund protecting travellers in case one of…

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…

Thinking about your Fall and Winter travel plans as Summer closes in? Know your rights!

Don’t forget to pack your travel insurance – and make sure you pack the right one! We have a dedicated team to help you choose the perfect plan fit for your travels. MSH Americas is dedicated to honoring our leading position in the travel insurance industry by providing exceptional service, up-to-date news, and support for our clients. Whether you are going abroad for leisure, to study, or to work, we want you to be able to travel with confidence. As part of our ongoing commitment to you, we promise to adhere to the newly updated THIA Traveler’s Bill of Rights. The Traveler’s Bill of Rights reads: The Travel Insurance Bill of Rights and Responsibilities builds upon the following key elements of travel health insurance: • Understand your travel insurance policy – Insurance providers have staff available to answer any questions related to policies.• Know your health and consult a health…

Family Vacation Destinations

Looking for the perfect family vacation for summer break? Make the most of your yearly trip with these family-friendly destinations – perfect for all ages, with fun activities for everyone in your group! Although Las Vegas may be known as an adult playground, there is a large mix of activities available for families with children as well. Picking a family-friendly hotel will be the make-or-break decision, as some hotels cater to children: For example, Mandalay Bay boasts a giant Shark Reef aquarium and multiple pools with a lazy river and an actual sandy beach. The Circus Circus hotel, true to its name, includes an actual circus with world-class jugglers and a variety of performers—as well as indoor roller coaster rides, a 50 foot waterslide tower with 3 slides, and a Splash Pad with waterfalls. Other must-see attractions you and your children will love include M&M World where they have different…

Ingle & MSH join task force to halt human trafficking

We are proud to team up with the WTTC (World Travel & Tourism Council) to bring awareness and work towards halting the spread of human trafficking around the globe. Our industry has a unique opportunity to educate our partners and clients on activities that can make a real difference. For immediate release… To mark World Day Against Trafficking in Persons (July 30th), the World Travel & Tourism Council (WTTC) today calls on governments across the globe to adopt more stringent measures in the fight against human trafficking, and specifically to support Travel & Tourism initiatives that aim to curb this illicit activity. Human trafficking generates an estimated $150 billion in illegal profits annually. In comparative terms, that’s the equivalent of the entire tourism economy of Brazil ($152.5bn). Trafficking relies on the travel industry to operate – not only across borders, but also within – using legitimate operations to illegally move…

Best Places to Travel to Escape the Heat!

Can’t stand melting at 40°C? Need an escape from the scorching sun? Travel with us to cooler climates and enjoy a break from the soaring temperatures. 8 great places to visit comfortably this summer! If you want to visit Canada in the summer, Alberta is one of the best provinces to explore. With the most daily sunshine hours of the year and comfortable weather at a high of 24°C, you can trek the mountains, visit historical sites and museums, enjoy restaurants and do shopping. What brings most visitors to Alberta is nature: the jaw-dropping Rocky Mountains and other beautiful national parks are sights to behold. Travel to Dinosaur Provincial Park near Drumheller to see the Alberta Badlands and visit the Tyrell Museum to see real dinosaur skeletons up close. For those who are extremely fit and active, head to the Rockies and hike the challenging Cory Pass – it’s one…

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.

Recent News in the Dominican Republic Calls For Extra Precaution When Travelling At All Times

It was the shooting of baseball legend David “Big Papi” Ortiz outside a bar in Santo Domingo that brought the issue of mysterious deaths in the Dominican Republic to worldwide attention, but it remains the recent spate of mostly-unsolved and unexplained deaths of American tourists at popular resort hotels that has tourism officials worried about what comes next. (Big Papi is recovering well in a Boston hospital) Though the issue has not captured much attention of Canadian media—which is mystifying as Canadians provide the second largest pool of tourism to the DR next to Americans—print and broadcast media in the US have been asking tough questions about what local tourism officials have characterized as a series of unfortunate coincidences. In one published report, however, the DR’s attorney general Jean Alain Rodriguez told local journalists that the nation is “secure but definitely has many challenges.” Indeed it has. So far this…

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

MSH International (Americas) 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 and mobile sales/information portals…

StudyInsured™ Partners with ILAC and ILAC International College

StudyInsured™ is thrilled to announce its partnership with ILAC and ILAC International College in offering international student coverage. By providing on-the-job experience in Canada through its co-op programs, ILAC opens doors to a promising future for international students. StudyInsured™ is eager to do its part to shield students from high health care costs as they focus on hitting the books. Since 1946, StudyInsured™ has supported international students during their studies abroad. As a one-stop-shop we raise the bar by providing flexible insurance plans that evolve with student needs, offering overall peace of mind to our partners. We are delighted to continue our proud tradition of international student support through this partnership. As of this June, ILAC students in need of medical insurance will be covered under our new Essential Plan. Customized especially for ILAC students, the Essential Plan provides superior coverage and access to superlative and round-the-clock assistance services. Studyinsured™…

Tour Canada From Coast to Coast – Part 2

If you haven’t seen Part 1 of our Coast to Coast Tour, click here! Now is the perfect time to visit the Great White North! Ready to dive in and find your next Canadian destination? Home to Toronto, Canada’s largest and most populated city and main economic hub, Ontario not only has a vibrant city life, but many outdoor beauties to see including the world-famous Niagara Falls, a multitude of provincial parks, and the Great Lakes. With popular landmarks like the CN Tower and Canada’s parliament buildings, Ontario is Canada’ most visited province, and offers a panoply of multicultural foods and festivals for your delight. Quebec is where you will find the descendants of French settlers known as French Canadians. Besides the French language, you can find European influences in the local culture, food, and architecture, all of which combine with historic charm. Iconic landmarks like the Chateau Frontenac, Notre…

Tour Canada From Coast to Coast – Part 1

Now is the perfect time to visit the Great White North! It may be heating up everywhere else in the world, but in Canada, the weather is just warming up, offering the most comfortable temperatures for you to explore the jaw-dropping wilderness or bask in the city multicultural city life. Low season lasts until late June and offers great pricing options for travellers. July and August are high season, but if you book at least 3 weeks before your departure, you can still find below-average pricing for your getaway! Dive in and find your next Canadian destination! Armed with miles of picturesque coastlines, British Columbia offers the popular Stanley Park seawall where you can go for a scenic leisure walk or try cycling for a good workout. Challenging hikes up the Rocky Mountains are perfect if you crave adventure. The Capilano Suspension Bridge also offers great photo ops and an…

超级签证保险:常见问题

如果您的父母或祖父母希望长期(每次最长 2 年时间)留加,而您是加拿大永久居民或加拿大公民,超级签证是最好的选择。但是别忘了您需要为您的父母或祖父母购买超级签证保险来为他们在加拿大停留期间提供保障。 以下是关于超级签证保险的常见问题解答: 我需要的最低保额是多少? 您至少需要 10 万加元的保额 — 我们所有的保险计划都可以提供。 是否有年龄限制? 一些保险计划有限制,但是我们有适合任何年龄的保险计划。 我需要投保多长时间? 您必须投保一年。 如果我的签证被拒该怎么办? 提供拒签证明即可获得全额退款。(如果没有提供拒签证明,您可能会被收取最高 250 加元的手续费用) 如果我的签证通过了,但旅行日期变了该怎么办? 您可以在保险生效前联系您的代理来更改您的投保日期。 如果我只在加拿大停留 1 个月,我可以只购买一个月的超级签证保险吗? 您必须购买一年的保险才有资格申请超级签证逗留加拿大。回国后您可以申请部分退款(需提供您提前回国的证明和无保险索赔申请)。大多数保险公司会收取小额费用,通常为 25 加元。 如果我在一年期满前离开加拿大,我能获得退款吗? 回国后您可以申请部分退款(需提供您提前回国的证明和无保险索赔申请)。大多数保险公司会收取小额费用,通常为 25 加元。 如果我打算在加拿大逗留两年,我可以购买两年的保险吗? 不可以,保单一年一签。但是,在您临近第一年结束时我们可以为您更新保险计划。 如果我顺路去其他国家旅行,我的超级签证保险能提供保障吗? 加拿大访客保险计划允许顺路游,前提是至少 51% 的投保日期是在加拿大度过的。旅行的起止地点都必须在加拿大。 是否覆盖投保前已存在的疾病? 是的,只要符合一定的稳定性要求,年龄在 79 岁以下的游客的大多数已存在疾病都可以得到保障。对于 80 岁及以上的游客,经详细的医疗问卷调查和保险公司批准后,可带病投保。 如何付款? 信用卡或借记卡。 我可以按月付款吗? 不行,必须提前支付全部保费。 有没有办法降低我的保费? 有!您可以利用免赔额来降低您的保费。欢迎随时联系我们了解此选项的更多信息。 加拿大访客 加拿大是世界上面积第二大的国家。您可以无忧无虑地探索这个多元文化国家。无论是徒步探索阿尔伯塔省的落基山脉,还是在多伦多的加拿大国家电视塔体验世界上最高的免手扶边缘漫步,我们都可为您提供保障。 了解更多信息,请访问 https://www.ingleinternational.com/en/travel-insurance/visitors-to-canada,或致电 1-800-360-3234 或发送电邮至 helpline@ingleinternational.com.agent@ingleinternational.com