Insurance

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…

Product Spotlight! Canuck Voyage

Canuck Voyage 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 bridge 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, even for applicants age 60+, provided their medical conditions meet the stability period…

Protect Your Visitors to Canada—Travel Insurance Is Necessary

Expecting overseas visitors this summer? Perhaps family members you rarely see—or have never seen? Enjoy their visit, but make sure they don’t become an unwitting burden by getting sick at the wrong time, stepping off a curb into the path of a car “going the wrong way,” or falling off a bike on a mountain cycling path and requiring emergency transportation or hospital care. They may not know it, but hospital care anywhere in Canada is very expensive. And unless they have travel insurance specifically designed for medical emergencies, they will have to pay cash on the barrelhead. And if you have been generous enough to let them come over on your tab, or in a moment of reckless compassion, and you offer to co-sign their medical or hospital debt, then be prepared to pay up. Your uncle or aunt from Romania or Vietnam may be grateful for your largesse,…

Travel Insurance for HIV Applicants Becomes More Accessible

For people diagnosed with HIV/AIDS, travel health insurance has usually been difficult, if not impossible, to obtain. Insurers’ eligibility requirements disqualified them even before they completed a medical application. Applicants were lumped into the same category as people with terminal illnesses or metastasized cancer or under physicians’ orders not to travel. However, given the miraculous advances in the management of HIV since the worldwide AIDS epidemic that erupted in the early 1980s, the total ban on persons infected with the human immunodeficiency virus that has not progressed to AIDS has been clinically unwarranted. HIV, as has always been the case, is not as contagious as is Ebola, SARS, certain stages of pneumonia, or the common cold. HIV is transmitted through sexual contact or contaminated blood passed on via needles or illicit drug paraphernalia. It is not transmitted by coughs, sneezes, handshakes, toilet seats, or unsanitized drinking glasses. Consequently, its total…

Product Spotlight! IMG Global Medical Insurance

Who wouldn’t like to travel or live abroad for an extended period of time? Imagine the beautiful views, unique landmarks, and adventures around every corner. But don’t let the unexpected interrupt your travel dreams… IMG Global Medical Insurance is a powerhouse. It’s an annually renewable policy that provides worldwide coverage, regardless of citizenship, and is meant for employees working abroad, seniors with dual residencies, as well as individuals and families. The plan boasts five levels of coverage along with various wellness benefits and manages rising health care expenses—all at a reasonable cost to the consumer. It makes for a great long-term option for savvy international travellers shopping the market. Key benefits of the IMG Global Medical plan include the following: Lifetime maximum limit up to USD $8,000,000 Ability to choose your level of coverage, worldwide Deductible options to assist with financial situations A variety of wellness benefits, including regular check-ups,…

Product Spotlight! Manulife Global All Inclusive Plan

Drum roll please . . . April’s Product Spotlight is pleased to showcase the Rolls Royce of insurance policies: the Manulife Global All Inclusive plan. This plan provides Canadian individuals and families with complete travel coverage, including benefits for emergency medical expenses, trip cancellation, trip interruption, baggage (loss, damage, or delay), and accidental death and dismemberment. Key features include: Trip cancellation up to $20,000 (this includes a cancel-for-any-reason benefit, for example, the hospitalization of a loved one. Be sure to check your policy wording for limitations) A voucher (receive up to $750 dollars towards your next vacation for a cancelled or interrupted trip) Unlimited trip interruption coverage (get a reimbursement for the scuba diving excursion you missed out on. Again, check your policy wording for limitations) No medical questionnaire Trip duration of 183 days for travellers under age 60 and up to 60 days for travellers aged 60–74 All the…

What Happened to the 240-day Visa?

Over the past five years, much has been made of the so-called 240-day visa that, purportedly, would allow retired Canadians (50 or older) with the means to rent or buy residences in the U.S. to live south of the border for up to 240 days per year. Currently, U.S. immigration law allows Canadians a total of up to six months (182 days) per any 12-month period for leisure/tourism. The expanded “allowance” is tied to a piece of legislation known as the JOLT Act (Jobs Originating through Launching Travel Act), a measure that has already been passed by the Senate but still needs to be acted on by the House of Representatives. Although the bill has almost 150 sponsors in the House, it remains mired somewhere in legislative purgatory, unable to even get into committee stage, let alone to the House floor. And until the JOLT Act is passed by both…

Heading to Cuba? Don’t Forget Your Proof of Health Insurance

TORONTO, March 22, 2016 /CNW/ – Cuba-bound Canadian tourists are urged to update their travel insurance documents and, if necessary, re-evaluate their coverage in anticipation of a huge influx of American visitors burdening the Caribbean nation’s emergency health care infrastructure this coming fall and winter season. With the signing of an agreement granting scheduled commercial U.S. airlines up to 110 flights to Havana and nine other outlying airports each day, Canadians and other nationals can expect more competition and higher prices for all of Cuba’s goods and services—including care in local hospitals and clinics. The Cuban Tourist Board (CTB) in Toronto has re-affirmed to Ingle International that all visitors to Cuba must carry proof of health insurance that will cover them while in Cuba. This requirement will apply to Americans as it has to Canadians and other nationals since 2010, when the measure was first passed.  Should visitors lack such proof,…

The Risks of Travel

An interview with Alan Bell, President of Globe Risk International, about the risks of travel, the dangers travellers can potentially face, and the services available to protect travellers in risk areas. Planning a trip? Check out your travel insurance options.

Save on Family Plans for Summer Travel Insurance

It’s never too early to save money.  And booking travel insurance that will cover the entire family during your summer vacation is a good way to do it. Don’t overlook this option when comparing plans.  The savings can be substantial. But make sure you know what you’re buying. Ask questions.  And for a special purchase like this, deal with a broker that specializes in travel insurance.  A lot of agents sell travel-related products but not all are experts in travel coverage. Some family plan premiums are pegged to the age of the oldest traveller: multiply by two, and that covers your children as well. Other plans will  provide a separate rate table for families, so make sure you ask to see one and compare that to paying individual rates for each traveller—you’ll see quite a difference. Also make sure that all the children you want covered are named on the…

Product Spotlight! Ingle Discover Canada Plan

(Hey, pssst, Get a quote!) Are you a visitor partaking in a lengthy visit to Canada, do you not have GHIP, are a travelling youth, a new immigrant or a returning Canadian? If you said yes to one of the aforementioned question categories – where travel and health insurance is mandatory – then the Discover Canada plan is right for you. The Discover Canada plan also opens the doors to older age groups by offering more options to those with stable pre-existing medical conditions, without the need to complete a medical questionnaire. Visitors can enjoy more coverage options at no extra cost; including but not limited to Physical exams, Eye exams, Vaccines, Maternity, and Psychological care “Health care in Canada is expensive,” says Robin Ingle, Chairman of travel and health insurance group Ingle International. “There are common misconceptions about the Canadian health care system and what it will and won’t cover—a non-resident visitor can expect to pay up to…

Introducing: Allianz Global Assistance

In January 2015, Travel Insurance Coordinators (TIC) and Allianz announced they were merging into one of the world’s largest providers of travel insurance and assistance. The union, which was formalized on November 16, 2015, boasted a rebrand: Allianz Global Assistance. According to Canadian CEO Daniel Wichels, the positive impacts of the unification will be felt across the board. Partners, their customers, and future business will fully benefit from this complementary growth landmark. In the CNW press release on the merger, Wichels also noted that “this combined entity will leverage the strengths of two of Canada’s leading travel insurance companies to enhance their product and service offerings.” The history of Allianz Allianz stands tall on the backbone of 125 years of industry experience, and its presence is felt across the world in many different spheres. It has financial institutions based in Europe and Asia and provides sponsorship opportunities across Europe, South…

5 Reasons Canadians Should Buy Canadian Travel Insurance

Canadians are becoming all too familiar with horror stories about travel insurance. The problem is our news sources don’t always tell us the whole story. Yes, there are instances when a claim is denied—but it’s not because travel insurance companies are heartless. More often than not, claims are denied due to an error in the application form or because the wrong insurance was purchased all together. The message the media should be conveying is the importance of buying the right travel insurance by doing your research, going with an insurance provider you know and trust, and providing honest, accurate information throughout the application process. Unfortunately, this isn’t the case. Canadians need to understand that, for the most part, they should only be considering travel insurance plans offered by Canadian insurers. It doesn’t matter if your American cruise operator or European tour company offers travel insurance as part of the package.…

Summer is Here. Start Thinking: “Snow”

As loony as it sounds (pardon the pun), what better time to start planning your winter getaway than… right now? As experienced snowbirds know: There is no better time than right now. From now through Labour Day, travel insurers will be offering a broad menu of so-called Early Bird specials in advance of what might be significant premium increases. Take advantage. I say “might” because nothing is certain about the direction of our national economies, currency fluctuations, weather patterns, wars or threats of wars, your own health, or where and when the next volcano may erupt. There is no sure thing—except one: If you have the misfortune of falling and breaking a hip, suffering a heart attack or stroke, being tortured by a kidney stone—and you need emergency hospital care—it’s going to cost you or your insurer, big time, especially if it happens in the US. For travel insurers, who…

An Agent’s Guide to Selling Insurance for Province to Province Travel

When Amy Savill, a 7-months pregnant Alberta resident, went into labour while on a trip to Northern Ontario, her story sent waves through the nation. Many Canadians were shocked to hear that not all emergency medical services, like air and ground ambulance, are covered through their provincial Government Health Insurance Plan (GHIP). Savill was rushed to the nearest hospital after her water broke, only to discover it wasn’t equipped to deliver premature babies under 32 weeks. The only option was to air lift her to Sudbury, the closest city centre. But after the birth of her little girl, Savill received an air ambulance bill for thousands of dollars. Alberta does not cover emergency transportation for residents travelling outside of the province, and neither did Savill’s supplementary employment insurance plan. Is there a solution? Yes! Travel insurance plans can cover these additional services for as low as 0.42 cents a day,…

Canadians Need Travel Insurance for Trips Within Canada  

Most Canadians take at least one trip a year to another Canadian province to visit friends, family, or on business. Over and over again, we see the common misconception that Canadians are covered for all medical expenses while travelling within Canada. However, the fact remains that Canadians travelling out of their province of residence are not necessarily 100% covered by their provincial Government Health Insurance Plan (GHIP). Travellers that are travelling outside of their country are better understanding the high costs of international health care, but confusion remains for Canadians travelling from province to province. Consider Amy Savill, an Alberta resident, who learned the hard way. This month, the 7-months pregnant Albertan was visiting family in Northern Ontario when her water broke. She was rushed to the nearest hospital, which, due to limited local resources, was unable to deliver a baby under 32 weeks. The only option was to airlift…

Insured for Storm Season? Check Your Policy

Hurricane season is here again. And for the next four months we won’t start the day without checking the forecast. Fortunately, those forecasts usually give us some warning. We can prepare, get out of the storm’s likely path, stock up on water, canned chili, and beer—all depending on our tolerance for risk. And so far, the hurricane experts are predicting a slower than normal storm season, thanks to the positioning of El Niño—which is busy stirring up the Pacific. But the experts know—better than the rest of us—that even a marginal Category 1 storm can ruin lots of lives, homes, and communities. No one who has lived through even “minor” hurricanes wants to try another. If you’re planning a summer trip anywhere to the east and southeast US, the Gulf of Mexico coast, the Atlantic shore, or especially the Caribbean, take notice now. If you’re planning a couple of weeks…

An Agent’s Guide to Ingle International’s New Product—Discover Canada: A Super Visa and Visitors to Canada Plan

Ingle International is excited to share with you the launch of our new visitors to Canada plan, Discover Canada: Super Visa and Visitors to Canada Travel Insurance. Ingle developed this new plan to meet the needs of all visitors to Canada, including anyone in Canada without government health insurance— Super Visa applicants, travelling youth, new immigrants, and returning Canadians. Discover Canada fills market gaps for visitor to Canada plans and offers comprehensive assistance, medical services, and care with a wide range of coverage options, up to $1 million. This serves the needs of visitors spending extended time in Canada. With over 17 million visitors to Canada each year, Discover Canada opens the doors for enhancing your business and services by offering visitors to Canada clients more options at no extra cost: Physical exams Eye exams Vaccines Maternity Psychological care These benefits will allow you to present your clients with a…

Ingle International Launches New Insurance Product to Protect the Health of Millions of Visitors to Canada

Toronto, Canada – Ingle International, a travel health company providing customized insurance solutions, launches Discover Canada: Super Visa and Visitors to Canada Travel Insurance, a new travel plan that is available to the over 17 million visitors to Canada each year. Ingle International has identified a gap in the travel insurance market that leaves visitors to Canada and Super Visa applicants vulnerable to the high costs of health care in Canada. “Health care in Canada is expensive,” says Robin Ingle, Chairman of travel and health insurance group the Ingle Group of Companies. “There are common misconceptions about the Canadian health care system and what it will and won’t cover—a non-resident visitor can expect to pay up to $5,000 per day in a hospital and up to three times that for the intensive care unit,” explains Ingle. Ingle’s new plan, Discover Canada, fills the market gap for a travel plan that…

An Agent’s Guide to the Growing Market Opportunities in International Student Insurance

The market for travel medical insurance is segmented according to demographics, and a fast-growing segment of the industry is international student insurance. Canada continues to offer world-class educational facilities and a secure, welcoming atmosphere for students engaged in academics, as the country continues to  see large numbers of international students enrolling in Canadian academic institutions. International students can open a new line of business for enterprising insurance agents. As insurance professionals we can help guide young students through the life stages of insurance, and extend our services to their friends, family, schools, and workplaces. A student in Canada may soon be opening his or her first business, or starting a family, and will need good financial planning each step of the way. Student medical insurance offers high benefits at a low cost because of the applicants’ unique demographics. First is the average age of applicants. Young students are generally healthy…

The Flip-side of the Falling Loonie: An Agent’s Guide to Increasing Sales of Visitor to Canada Plans

The loonie is at a 5-year low and the temperature is rising, making it the ideal climate for visitors to Canada season! By offering your clients medical insurance for their visiting friends or family, you can easily benefit from the growth of the Canadian tourism industry. Best of all, Visitor to Canada (or VtC) insurance is easy to sell. Here are the basics you need to know to successfully build a business with this niche product. Entry visa requirements It is important for you to serve as a support to your clients as well as their visiting family or friends, which is why you should have as many answers to their questions as possible, starting with the initial visa application process. Anyone who visits Canada from a temporary resident visa-required country must apply for entry through the Canadian visa office. A visa officer will review the application and decide whether to…

Travel Insurance: No Game for Rookies

The vernal equinox (spring) is as good a time as any to start thinking about returning to the southern United States next fall and winter for your annual snowbird pilgrimage. And you will have to think and plan well if you are to be adequately covered for your health care. Travel insurance, with the emphasis on medical coverage, is no peripheral luxury. If you cross the border (be it for six months or four hours for lunch and shopping) and you have no out-of-country insurance, you are extremely negligent or just plain reckless. I apologize in advance if I have just hurt some of your feelings, but feelings can be repaired: financial catastrophe, or the untimely death of a loved one, can’t. I have lived in the US and Canada about equal amounts of time, and in my line of work—medical writing—it has been my responsibility to learn and assess…

An Agent’s Guide to Travel Insurance Basics

Your client bought a travel insurance policy, but do they know what they’re covered for? I sell travel insurance every day and I’m always surprised at how easy it is to sell. Clients may have a variety of concerns, like planning high-risk activities in faraway places, but I always find a product that’s right for them. I always wonder, how can they know if they’re getting good value for their premium? Sure, they have ‘coverage’, but do they actually know what are they covered for? Eligibility—Can they be covered? Often, all that a client needs to do to purchase travel insurance is pass the ‘Eligibility Requirements’ of the policy. Some policies have very few eligibility requirements, while others have many. A client may rejoice that they can buy travel insurance for their trip, but just meeting the basic requirements to buy the policy doesn’t mean they’ll have coverage for…

Teach Your Doctor about Travel Insurance

All too often, when travel insurance claims get denied, the first thing you hear is the lament: “but my doctor gave me a clean bill of health,” or “my doctor never told me my angina was unstable.” And though that may be true, the claim is still denied, and the aggrieved snowbird ends up stuck with a huge medical bill. With more and more insurers offering medically underwritten policies to people in less-than-perfect health, the family physician can play a vital role in seeing their patients become better historians about their health. One way to do that is to spend a little more time explaining to patients why they need such-and-such a test, or why they are taking certain medications, and what their official medical record says about that first- or second-degree heart block, or what atrial fibrillation is in plain language, or if hemorrhoids are considered a gastrointestinal condition.…

Agents: Help Your Clients Save on Travel Insurance with Family Plans

The financial realities of young families can sometimes be difficult. Even being financially responsible with RRSPs and an RESP can strain your funds. Families may be surprised to learn that there are a couple of ways they can save on their travel insurance costs and still enjoy those well-earned (and well-needed!) family vacations. With a family multi-trip annual plan, dependents travel free—even a family of five or six members can take advantage of this discount. But to plan responsibly, families need to be aware of the limits of the insurance. Who is considered a dependent? For children to be covered free under their parent’s policies, the child must meet certain requirements set out by the insurer. Guidelines vary from plan to plan, but the basic requirement is that they must be at least 15 days old. From this age, they can be included on their parent’s policy at no extra cost.…

Is There Travel Insurance for Kidnapping, Ransom, and Extortion?

When you think “travel insurance,” you probably think of coverage that helps the average traveller to pay for any medical bills they might incur while they’re away. But is there coverage for travellers who are specifically heading into dangerous situations—and who might be putting themselves at extraordinary risk? There is, and it’s (fittingly) called special risk insurance. Whether you’re heading into a war zone or planning to participate in dangerous activities, special risk insurance handles situations that normal insurance plans would never touch. And for those concerned about kidnap and ransom abroad, there is specialized coverage specifically for you. Who needs kidnapping insurance? Kidnapping and ransom events generally target high-net-worth or high-profile individuals. For people fitting this description, kidnapping, ransom, and extortion (KRE) insurance can provide some peace of mind when you’re heading abroad. This is particularly true if you plan to travel into an area where kidnap and…

Product Spotlight! IMG Patriot Travel Medical Plan

The IMG Patriot Travel Medical plan offers international travel insurance coverage for citizens of any country in the world. With this plan, you’ll be covered for worldwide travel anywhere outside of your home country. You can even purchase coverage after you’ve already begun your trip! The plan offers a range of emergency medical coverage options, from $50,000 to $2 million USD—so you can tailor your insurance plan to your travel plan. And you can make the most of your adventure with optional add-ons like coverage for adventure sports, trip cancellation coverage, and end-of-trip coverage for once you land safely back in your home country. Make the whole world your oyster! Get some coverage today.

Travel Insurance and Pre-existing Conditions: What You Need to Know

Since the recent “million dollar baby” incident in Hawaii, travellers have come to us with many questions around pre-existing conditions: What are they? Who should be concerned? Are there any grey areas? What do I do if I think I have one, or I’m not sure? This guide is intended to answer your questions and concerns about travel insurance and pre-existing conditions—so that, rather than feeling afraid, you can have peace of mind when booking your next trip. Related: Pregnant and Travelling? 5 Things You Need to Know What is a pre-existing condition? Any medical condition you have been diagnosed with or treated for prior to the effective date of your insurance policy. Pre-existing conditions can affect any traveller. There is no age minimum or maximum when it comes to pre-existing conditions. What happens if I develop a medical problem after purchasing travel insurance, but before leaving on…

Insurance Agents: The Red Flags of Travel Insurance

There are many reasons why people enjoy travelling. Some enjoy the opportunity to relax on a beach, others want to climb the highest mountain, and sometimes people just want to hit the open road in search of adventure. In most cases, a “standard” off-the-shelf travel insurance product will offer coverage for these situations, but sometimes special underwriting might be required to issue a policy. Can you spot the red flags? When is a “standard” policy not enough? Government travel advisories The Government of Canada issues travel warnings when there is a potential risk for Canadian travellers internationally. There are many reasons why an advisory may be issued; outbreaks of communicable diseases; unstable security situations; and political upheavals. These advisories can either be issued for an entire country or for a region within the country. If there is a travel advisory for the area your client is travelling to, additional underwriting may…

Product Spotlight! RSA Medi-Select Advantage Multi-Trip Annual Plan

The RSA Medi-Select Advantage Multi-Trip Annual Plan is the easiest way for travelling Canadians to secure convenient insurance for the whole year. With options ranging from 4 days per trip to 60 days per trip, you’ll be covered for as many trips as you like outside Canada for the entire year. No need to arrange coverage every time you travel. Just grab your bags and go! And if you plan a longer trip, there are top-up options to add additional days of coverage to your annual plan. Even better: Travel within Canada is unlimited with this plan. That’s a whole year of endless possibilities to explore this great country! And there’s no age limit on a year of adventure—in addition to the regular plan, RSA offers coverage specifically designed for travellers 55 and older. Free yourself up for a New Year of adventure! Get some coverage today.

You’ve Got Questions? We’ve Got Answers (Part 3)

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: We are retired Canadian residents who plan to spend a few months out of province this winter. Is there an insurance plan we can buy to cover us on day trips to the United States? A: Absolutely. The best is a multi-trip annual plan. You pick a certain number of days—say 7 or 15 or 30, etc., whatever the insurer is offering—and you can take as many trips of your selected duration over the course of a year as you like. And you don’t even need to tell your insurer when you’re going. The best part is this is a lot cheaper…

Travel Insurance for Dangerous Times

For those of us who travel, 2014 leaves a residue of unease, uncertain about our security and our ability to control events around us. Will 2015 be any better, or more stable? What can we expect? What should we do? Expect travel insurance premiums to rise steadily if the Canadian dollar remains in the doldrums. Collecting premiums in 85 cent loonies and paying American hospital claims in stronger U.S. greenbacks puts pressure on insurers to hike their rates proportionately. The loonie is now at its lowest point in five years, one Canadian dollar buying 86.70 U.S. cents. According to the Financial Post and most bank forecasts, this swoon will continue as long as the price of oil stays flaccid. So keep a sharp eye out for early bird specials next snowbird season, and look for ways to keep premiums affordable: consider bigger deductibles, and look to annual multi-trip plans early…