Insurance

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 carefreevacation. 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 say,…

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?  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. Put…

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…

How to “Vet” Your Travel Insurance Policy

Critics of travel insurance often argue that claim denials are too frequent, unfair to the customer, and might be avoided if issuers vetted policy applications at the time of distribution instead of when a claim is made. The rationale for that argument is that applicants could then be certain that their policy would pay off in case of medical emergency abroad. Sounds reasonable, as a principle—except that it’s impractical given the millions of policies issued to Canadian travelers each year. At present, most policies are issued on the understanding that customers provide complete and accurate information about their medical histories when applying for insurance. Some are asked a few questions about recent treatment interventions, medication use, or hospitalizations; others, usually elderly travelers, are required to complete detailed medical questionnaires designed to give underwriters a more precise assessment of their health status. And there are other policies—usually attached to credit cards—that…

Product Spotlight! Sporting Coverage with TuGo

Are you travelling abroad for a sporting adventure? You will need to make sure you have travel insurance to match—as your average plan often does not include coverage for injuries sustained while taking part in sports. Luckily, we have TuGo’s Traveller Emergency Medical plan  on hand, which automatically includes coverage for most amateur and professional sports. Here’s a quick rundown of some of the plan’s highlights: In addition to coverage for amateur sports, for those who like push the envelope, you have the choice of add-ons for contact sports, adventure sports, and extreme sports. In other words, you can tailor the plan to fit just the types of adventures you like to have. The plan includes emergency transport: either air ambulance or economy airfare back to your home province or territory. Some common sports injuries (like a broken leg) can make travelling difficult, and an air ambulance back to your…

How to Buy Travel Insurance Safely – Part II

Canada’s travel insurance market is rich in choice, even if you’re not quite as healthy as an Olympic athlete. But before you get to the nitty-gritty of comparing products and prices, you should sort out your basic needs according to your general health, age, duration, frequency and purpose of travel. Let’s narrow down the choices to make them more specific to your individual needs. No frills, No Pre-existing Coverage Required If you’re perfectly healthy, take no medications, have no medical history, see your doctor only once a year for an annual checkup, and are not under orders to have tests taken or to see a specialist, consider a basic plan that does not cover pre-existing conditions nor asks you to complete a medical questionnaire. It is the cheapest, and the least complicated to buy: so long as your medical history is as impeccable as you think.  But don’t delude yourself,…

How to Buy Travel Insurance Safely – Part I

If you’ve started thinking about your winter travel plans, as many Canadians normally do with the approach of Thanksgiving Day, keep travel insurance at the top of your to-do list. It’s too important to leave to the last minute. Though recent surveys by insurance regulators and travel industry groups have shown that claim denials are rare, it happen to you, and the repercussions can be disastrous to your finances and your wellbeing.  Travel insurance products are plentiful and increasingly easy to buy, but you need to be cautious and inquisitive when discussing your travel insurance needs with your agent or the person selling you coverage. Know Your Insurer Deal with a known, reliable company that knows or specializes in travel insurance and can offer you a variety of plans suited to your specific health status, age, travel destination, duration of travel, and capacity for risk. Think of this transaction as…

Product Spotlight! Canadian Student Travel Insurance Plan

Ingle International Inc. is proud to spotlight the Canadian Student Travel Insurance Plan. The Canadian Student Travel Insurance Plan is an exclusive outbound travel insurance product that looks after Canadian students and chaperones from the majority of school boards across Alberta. Students and chaperones housed under the school boards that make up the group, can expect all-inclusive coverage backed by 24/7 emergency medical and security assistance. This applies to all valid school trips, with no limits to the number of trips, or trip duration. In parallel to students returning to school, the release of this plan is supported by a custom travel insurance microsite created by Ingle International which provides policy information, access to medical facilities within a student’s radius, and consumer friendly content. Three key features of the Canadian Student Travel Insurance Plan include: Trip Cancellation and Interruption: protection for pre-paid, non-refundable trip costs prior to departure and coverage…