Insurance

Buying Travel Insurance Online? No Time for Haste

Misunderstanding or minimizing the content of travel insurance policies is one of the most frequent causes of claim denials—more so since online applications are gradually eliminating the advisory role of trained sales agents. Quick and easy online applications that can be completed in 5-10 minutes may fit conveniently into our busy schedules, but if they encourage carelessness or lack of attention, they can invite catastrophic consequences. Let’s look at the case reported recently in the British newspaper The Telegraph—of an English family that took a leisure trip to Berlin and on the way home found that their return flight had been cancelled for the day. Because the husband and son had urgent reasons to return to London, they took alternate and circuitous flights to get home as quickly as possible, encountering several hundred GBP in additional airfares. Bought in haste? That’s trouble The husband told the newspaper reporter that…

What Does the Term Pre-existing Condition Really Mean?

With American politicians struggling aggressively to reform their health care system, we have been hearing much about covering the “uninsured” and those with “pre-existing conditions”—concepts which to Canadians may seem alien. In Canada, virtually all residents are covered from birth so there are no uninsured—with a few rare exceptions, but those numbers are minute. And since all medically-necessary services are covered by provincial health plans, “pre-existing condition” seems an abstract term. But when Canadians travel out of the country, the term takes on life and meaning, as it is a crucial element in the validity of supplemental private travel insurance. Actually, most private American health insurance plans include coverage for “out of area” services, and those cover pre-existing conditions. So the pre-existing conditions issue in the US is primarily focused on those who have no health insurance because they are unemployed or work for small businesses that don’t provide it…

Add Proof of Insurance to Your Travel Checklist

Your travel plans are set and you’ve purchased your insurance. You may feel like everything is in place. But there’s one vital detail that some travellers can forget: you need to physically have that insurance information. Copied. And in multiple locations. Yes, that’s right. When you buy insurance for a trip, it’s imperative that you carry your policy information with you—and, equally importantly, that you make a backup copy to leave at home. Why should I bring my insurance information along? If you require medical care abroad, you’ll want access to your travel insurance details right away. Bringing along documentation that includes your insurance provider and policy number will mean there’s no delay in getting your medical bills sorted, should such a situation arise. In fact, in some cases, doctors abroad may not even be willing to treat you until they know you’re insured. What’s more, some countries are…

Take That Cruise, and Insure Your Health

This year, more than 25 million people, including more than 750, 000 Canadians, will board cruise ships in ports around the world for what has become the fastest growing vacation option available to leisure travelers. According to Cruise Lines International Association (CLIA), which represents 95 percent of the world’s cruise companies, 13 new ocean liners and 13 river cruise vessels, accounting for over 30,000 additional passengers will be added to the world’s fleet in 2017 alone. And between now and 2026, 97 new ships (80 ocean liners and 17 river cruisers) with a total capacity of almost 231,000 will be added to this travel market sector. For Canadians, who have easy access to the world’s busiest cruise ports (such as: Miami, Fort Lauderdale, Los Angeles, Galveston, New Orleans, and Vancouver) there is a huge range of cruise options available, and thanks to online cruise booking services you can easily sign…

Buy Early and Stay Tuned

With more Canadians travelling for longer periods and to varied destinations (according to the Conference Board of Canada, 40 percent of Canadian outbound trips are to non-US locations) there is a greater need for travel planning well ahead of departure time. This includes travel insurance requirements to cover unexpected medical emergencies or other losses. Travel Insurance is a Two-Way Contract These arrangements should not be left to the last minute. And though buying travel insurance is easier than ever—over the phone, online, by iPad or smart phone—there is no substitute for talking directly to an agent who specializes in travel insurance, who can point out not only the benefits of any given plan, but the limitations, exclusions, and responsibilities the purchaser has in fulfilling what is a two- way contract. There are many purchasers of travel insurance who, after they complete their application and get the policy, put their…

Product Spotlight: HCC Student Secure

Ingle International has a special place in its heart for international students. Foreign exchange programs are the foundation that the Ingle name is built on! That is why our 19th travel insurance spotlight is shining on the HCC Student Secure plan. The HCC Student Secure plan covers international students and scholars worldwide, regardless of your home country or destination. As a plan purchaser, you can expect coverage for physician and hospital visits, up to 80% coverage for prescriptions, and $50 towards paramedical visits such as a chiropractor and physiotherapist. Key features include: Daily rates as low as $1.45 Ambulance by ground or air from $300, up to $50, 000 Up to 80% coverage for mental health disorders Coverage for acute onset of pre-existing conditions (speak with your student insurance representative or check policy documents for an understanding on waiting periods and limitations) Browse more features Are you or your…

Product Spotlight! The IMG Patriot Group Plan

Are you planning a resort wedding, or a family reunion far from home? The IMG Patriot Group Plan might be right for you. The IMG Patriot Group Plan is available to groups of 5 and up who are temporarily travelling outside of their home country. This plan sticks out from other group plans because travellers can come depart from different places and arrive different times, as long as their destination point is the same. It provides coverage for medical expenses, evacuation, and repatriation, as well as non-medical benefits including trip cancellation, baggage, and accidental death. This plan offers a wide range of options for the deductible and for the overall maximum amount of coverage, up to $2,000,000 (USD). Some other key features of the plan include: Pre-existing medical condition coverage (join your loved ones without hesitation) Basic sports coverage or optional rider available for adventure sports (it is time to…

What Type of Travel Insurance Do I Need?

You’ve heard it here before: travel insurance is not a one-size-fits-all sort of purchase. That’s why Ingle carries an extensive list of insurance products to cover all sorts of travelling scenarios. But if you’re not familiar with all the ins and outs of travel insurance, looking at the long list of available options out there can feel a little daunting—like having too many brands to choose from in the grocery store. So, what exactly are all these different plan categories? And which one is right for you? With a few quick questions, we can help you figure that out.   1. ARE YOU CANADIAN? Yes, I’m Canadian. For most travelling Canadians, however, Canadian Travellers Insurance offers extensive coverage for a wide range of scenarios. In addition to travel medical coverage for illness and injury abroad, there are also non-medical coverage options for things like cancelled and delayed transport, lost…

Buying Travel Insurance: Apply in Good Faith. But Verify. 

Time and again, travelers who have had their out-of-country health insurance claims denied complain that they applied for coverage “in good faith” and expected full and complete coverage after paying their premiums and heading out for a carefree vacation. If only it were that simple. First, let’s make it clear that according to most reliable surveys—the most recent being one by Canada’s provincial and territorial insurance regulators—the number of travel insurance claims denied is minuscule when compared to the millions of trips actually taken. But, statistics aside, if it’s your claim that’s denied leaving you with the burden of a large foreign hospital or medical bill, it doesn’t matter how many millions of others have been approved and paid. It hurts. So what must you do to shield yourself from the possibility of having your claim for an out-of-country medical claim denied? Read all That? Get Real. We could…

4 Reasons Your Insurance Claim Might Be Denied

When you buy travel insurance, the hope is that you are purchasing some peace of mind for your trip. However, every once in a while, a high-profile case hits the news about a claim that was denied, leaving the claimants with huge medical bills. This understandably has some travellers concerned about how much they can actually rely on their insurance policy. The good news is: as long as you fully understand the workings of your insurance policy, there’s no need to fear an unexpected surprise from your insurer. To help you gain that confidence, let us explain the four main reasons why someone’s insurance claim might be denied. Why could my claim be denied?  1. Because your claim was related to a pre-existing condition. This is a term one hears often when it comes to travel medical insurance, and there can be some confusion around what it really means.…

Will US Health Insurance Cost Crisis Affect Canadian Visitors?

As of November 1, 2016, the US media will be inundated with horror stories about historically high spikes in the cost of health insurance for millions of middle class Americans forced to buy their coverage from  marketplace exchanges. The stories will be generated because November 1, 2016 is the opening date for the 2017 healthcare insurance enrolment period, and the prospect of double digit increases in premiums and deductibles (those are the fees patients must pay before their coverage benefits kick in) may force families to cut back on routine services and reroute them from their family physicians to hospital emergency rooms for urgent care. If you’re visiting the US during the forthcoming snowbird season and you need urgent or emergent services, the health cost spike should make little immediate difference, so long as you are properly covered by private travel health insurance. Your basic provincial health insurance will not…

Product Spotlight! RSA Medi-Select Advantage for Ages 55+

Canadian snowbirds know that it’s important to have comprehensive travel insurance in place for peace of mind during their year-round adventures. If you’re a travelling Canadian who’s age 55 or over, we have good news: the RSA Medi-Select Advantage plan is boasting some exciting new features to make your travels more stress-free than ever. Here are just a few of the key benefits this plan has to offer: Newly simplified medical questionnaire: Fewer questions and more straightforward wording means it’s easier than ever to make sure your coverage matches your needs. Pet return benefit: Travelling with your furry companion? Then we know the last thing you want to do is leave them behind! If you are hospitalized during your travels or need to be transported home due to sickness or injury, this benefit will pay for your cat or dog to be homeward bound. Coverage for pre-existing conditions: Travelling with…