Travel

Navigating Expat Insurance? Know the Rules, Know the Territory

Whether some form of Brexit occurs or not, Canadian business travellers and expatriates heading abroad will need to monitor changes to visa rules and health insurance requirements when planning trips to the UK or the remaining countries of the European Union. Unlike Canada’s single-payer healthcare system, by which provincial governments mandate the services to be provided, set the fees for those services, pay the providers, and forbid private entities from competing, most European systems allow—even encourage—a variable blending of public and privately funded health insurance. The UK, for example, offers access to its highly respected National Health Service to expatriates who meet certain residency requirements, but many prefer to “upgrade” to private plans that fill in coverage gaps, shorten wait times for referrals and certain services, and allow access to private hospitals and specialist networks. (As members of the EU, UK residents have access to the European Health Insurance Card…

Canadian Snowbirds in Texas: Persistent, But Still at Risk

Canadians make more than two million leisure trips to Mexico annually, more than to any other country after the United States, even though the governments of Canada, the US, Britain, and other nations continue to issue travel warnings regarding certain sectors of the country. For Canada’s travel industry, especially insurers, this presents something of a quandary because travellers who encounter unexpected health problems or other disruptions to their travel plans while in certain areas of Mexico under travel warnings may find severe limitations on their coverage benefits. And sometimes it doesn’t take much to wander into such areas—as happens often to Canadians who winter in Texas’ Rio Grande Valley and walk over a footbridge into the state of Tamaulipas—an “Avoid Non-essential Travel” zone. Fortunately, the small, circumscribed tourist zone that Canada’s “Winter Texans” frequent daily is well fortified, and relatively free of crime or other disturbances. But wander beyond, and…

Relocation Series – Moving to Shanghai, China

Welcome to our Relocation Series! Looking for better opportunities? Want to make a big life change? Finally found the dream destination you want to move to? Our Relocation Series consists of the most popular destination choices for expatriates to relocate to. We will include all the details you need to know on each country and factors to determine if it would be the perfect fit for you! Let us make your life easier for this next big step you are taking. A comprehensive guide for moving to and living in Shanghai Languages The language most widely spoken in China is Mandarin. In Shanghai, residents also have their own dialect called Wu Chinese. English is not widely spoken or understood in this area. Money The Chinese Yuan Renminbi (CNY) is used here. There are ATMs in big cities and towns but China is still largely a cash culture so do…

Dark Tourism – Do You Dare?

What Is Dark Tourism? Travel to places historically associated with death and tragedy. Morbid right? But here’s the reasons tourists visit Dark Tourism sites 1 – Curiosity 2 – Step back into history & feel the impact of the events 3 – Understand what happened first-hand 4 – Pay respects & visit memorials 5 – Experience the creation of reflective memories 6 – Remember what it is to be human People go for many reasons, but ultimately, it just means you are interested in learning about life and history. If you dare to go…here are some of the top Dark Tourism destinations & most Haunted places in the world Bran Castle, Romania The home of Bram Stoker’s “Dracula” seems to be based on this Romanian castle on the border between Transylvania and Wallachia. The former seat of the infamous Vlad the Impaler, Bran Castle is now a museum for…

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.

Relocation Series—Moving to Paris, France

Welcome to our Relocation Series! Looking for better opportunities? Want to make a big life change? Finally found the dream destination you want to move to? Our Relocation Series consists of the most popular destination choices for expatriates to relocate to. We will include all the details on what you need to know on each country and factors to determine if it would be the perfect fit for you! Let us make your life easier for this next big step you are taking. A comprehensive guide for moving to and living in Paris Languages The official language is French. English and Spanish are the next most common languages spoken in Paris. Money The Euro (EUR) is used and credit cards are accepted in a large number of shops, hotels, and restaurants. Safety Paris has an overall medium risk to safety: while generally not dangerous, it is…

Travelling Abroad? You Can’t Take Canada’s Cannabis with You

Canada’s marijuana legalization has attracted international media headlines the way few other Canadian actions have in recent memory—much more newsworthy than its freeing up of marijuana for medical purposes several years ago. And, as might be expected, the October 17 enactment of the new pot laws has spawned hugely speculative and grossly sensational alarms about what Canadians (including snowbirds) might expect when crossing over into the US this coming winter season. Let’s first establish one point above all: Canada’s legalization of cannabis is a domestic issue. It is applicable in Canada only. It has no impact on any other country’s laws or rules. In time it may certainly influence what other countries do—but not yet. The Canadian government is quite clear when it warns that “carrying any cannabis or cannabis product (legal or illegal) across Canada’s border will remain a serious criminal offence, with individuals convicted of engaging in such…

Visiting the US This Winter? Let’s Review the Rules—Part 1

It’s that time of year again: time to review the rules that govern how long you can stay out of the country without risking loss of your provincial health insurance benefits, how long you may stay in the US as a visitor, and if there are any changes in the rules you need to pay particular attention to. And this year, we’re going to do our review in two parts—the second dealing with new and vital information you need to know about Canada’s cannabis laws (for recreational or prescribed medical use) before leaving the country or approaching any other international border. You don’t need to be a marijuana user to be affected by these laws—so stay tuned. But first: the rules for visiting the US—Canada’s favourite vacation location There are no major changes in the B2 (non-immigrant tourist) visa rules for Canadian citizens wishing to visit the United States.…

Is Relief in Sight for Medical Student Debt?

For many of Canada’s best and brightest, the prospect of a career in medicine is dampened by the reality of mounting student debt, into the six figures in many cases. And it’s not just obtaining the MD that’s challenging: it’s the years beyond, working toward the specialty accreditation that generates the fees needed to pay off that debt—a need that often diverts graduates away from lesser-paying fields like family medicine. It’s a vicious cycle. But a recent announcement from New York University School of Medicine that it will begin offering free tuition to all current and future students—regardless of need—sparks some hope that new ways of funding medical education may be taking root. NYU, one of America’s top 10 medical schools (where the average annual cost is $55,018 USD), is taking the step thanks to an endowment from private sources that is currently valued at $450 million and is aiming…

Relocation Series—Moving to Mexico City, Mexico

Welcome to our Relocation Series! Looking for better opportunities? Want to make a big life change? Finally found the dream destination you want to move to? Our Relocation Series consists of the most popular destination choices for expatriates to relocate to. We will include all the details on what you need to know on each country and factors to determine if it would be the perfect fit for you! Let us make your life easier for this next big step you are taking. A comprehensive guide for moving to and living in Mexico City Languages The common languages are Spanish, Nahuatl, Maya, and Mixtec. English is also becoming more widely spoken. Money The Mexican Peso (MXN) is used. Credit cards are widely accepted and the country has an extensive network of ATMs. Safety Mexico has an overall medium risk regarding safety. Stay in the tourist zones to…

Warnings on Virtual Kidnapping Targeting Chinese Students

A warning to international students, brought to you by StudyInsured. A new (but old) scam is underway, specifically targeting Chinese international students: virtual kidnapping. It sounds bizarre when you first hear the words—how do you kidnap someone virtually? Doesn’t kidnapping require a person to be… physically there? Apparently not. Scam artists have had to up their game and get more creative with their schemes over the years as security measures have been tightening up and the general population has become more aware of when someone is trying to defraud them. In comes virtual kidnapping. While Canada is overall a safe destination for international students, travelling such a long distance away can naturally cause anxiety for students’ parents and loved ones left back home. This scam seeks to play on those fears by inventing a danger to the student that isn’t actually there. The history It started as a…

Foreign College Studies for Canadians—Right Next Door

Given that their parents are such zealous travellers, the reticence of Canadian post-secondary school students to study abroad even for short periods or exchanges is somewhat mystifying. As we see in the story linked above, concerns about transferability of credits and the prospect of “a lot of hard work” tend to keep most Canadian students homebound—unexposed to foreign cultures, mores, climates, and temptations. And then there are the costs. But one of the lesser-known channels to foreign studies—perhaps even for short-term trial periods—may lie in the discounted tuition programs offered by US colleges and universities (some established by state legislation) specifically for Canadian students. How about the Sunshine State? For example, in 1987, the Florida legislature set up a Florida-Canada linkage program offering Canadian students admissions to some 40 state-funded colleges and universities at the same subsidized tuition levels offered to state residents—all in the interests of developing stronger…