Travel

As Governments Withdraw, Private Travel Insurers Tune Up

Ontario’s proposal to stop paying travellers’ out-of-country medical emergency costs is expected to raise private travel insurance premiums by between 7 and 13 per cent, according to industry sources, even though the provincial share of fees paid to foreign health care providers are minimal at best—perhaps 5 per cent. And though such increases will be felt most acutely by snowbirds who spend several months out of Canada each year—primarily in the US—the effects should also awaken cross-border shoppers and weekenders to the reality that accidents and medical emergencies can happen anywhere, at any time, making them just as vulnerable as snowbirds. According to figures just released by the Conference Board of Canada (CBoC), 71.9 per cent of Ontarians surveyed claim they had some form of travel insurance on their last outbound trip. For Canadians as a whole, that was 76 per cent. And of those who were uninsured, 49.6…

Welcome to Canada – A Traveller’s Guide to Staying Safe and Healthy While Visiting Canada

Whether visiting family or friends for a short period, touring the country, or planning to immigrate, visitors to Canada are vulnerable to the costs of the Canadian health care system. According to the Canadian Tourism Commission, Canada receives over 17 million visitors each year, and each one of them should have travel health insurance to protect them against the high costs of health care in Canada. Health Care in Canada is not free! Visitors need to know that foreign insurance plans may not cover Canadian medical costs and most government health insurance plans in countries around the world will not cover accidents or medical emergencies incurred by their residents while travelling in Canada. Canadian provincial health insurance does not cover non-resident visitors, even if they are visiting family – uninsured visitors are expected to pay in full for medical bills incurred in Canada. Also, provincial health care in Canada can…

As Drinking Laws Relax, You Need to Stay Alert when Travelling

To many foreign visitors, Ontario’s drinking laws have long been a source of bemusement, and some frustration. I have often heard from friends and colleagues that, as much as they enjoyed what Canada has to offer, they were somewhat confused—or even embarrassed—when a waiter or hotel worker told them it was too early in the day for a Bloody Mary with their brunch. Or that if they wanted a beer or wine, they could only be served in some dark and enclosed location, not here on a sunlit patio. But with the impending relaxation of alcohol consumption laws, just announced, visitors to Ontario should find it somewhat friendlier and less intimidating to order their favourite beverage in a pleasant outdoor location, open to the sky. Times have certainly changed, and there will still be many people who decry the easing availability of alcohol in daily life. But for travellers leaving…

Super Visa Insurance: FAQ’s

For those visiting Canada long-term (up to 2 years at a time) and are parents or grandparents of permanent or Canadian citizens, Super Visa is the way to go. But don’t forget you will need Super Visa insurance to cover your stay in Canada! Here are answers to the frequently asked questions we get about Super Visa insurance: What is the minimum amount of coverage that I need? You need at least $100,000 of coverage – which all of our plans can provide. Is there an age limit?While some plans have limits, we have plans available that can cover you at any age. How long does my coverage need to be?You must be covered for one year. What happens if my visa is denied?You can get a full refund on your insurance with proof that your visa was denied. (If no proof of denial is provided, you could be charged…

The Changing Tourism Strategies in Cuba and Mexico

Recently, Mexico has undergone a major shift in its official tourism strategy to upgrade (and up-price) mass tourism to that country—Canada’s most favoured vacation destination after the United States. Now we learn that the US administration has reinstated many of the trade and travel restrictions against Cuba that were relaxed during the Obama years and will also allow Americans (including former Cubans) to sue foreign firms (among them Canadian and European) operating on properties seized by the Castro government on or after the 1959 revolution. Cuba attracts some one million Canadian visits annually—Mexico just over two million. Between them, they account for almost half of the robust Caribbean, Mexican, and Central American vacation travel market. In both the Cuban and Mexican markets, residents of Britain rank just behind Canada as the most frequent visitors. The action taken by the Trump administration—intended to punish Cuba for its ongoing support of the…

Tips for Annual-Plan Holders

A client calls to say: “Hi, we are heading across the border next week. Do I have to call you every time I plan a trip?” if they are annual-plan holders, the short answer is “no”. But you can save them (and yourself!) some time by passing along a few tips at the time of the original sale! 1 – Short trips: you need not notify anyone about a short trip any time during the term of your annual plan – provided you have not experienced a change in your health. 2 – Change in health status: call us if your health situation changes. We can then check whether you will be in danger of limiting or eliminating your coverage, and we can discuss other coverage options. 3 – Days per trip: there is a limit to the number of days you may travel per trip and still be able…

10 Ways to Save on Travel Insurance

Are you or your clients concerned about the costs of travel insurance? What’s better than saving money and spending it elsewhere on your travels? Here’s 10 ways to save on travel insurance while getting comprehensive coverage! 1 – The more often you travel, the better the deal. Consider a multi-trip annual plan! They end up being significantly cheaper (and more convenient) than single-trip plans if you travel more than once a year. 2 – Travel in twos? Make sure to take advantage of your companion discounts! Your travelling companion does not need to be a family member – as long as your travel arrangements and trip dates are the same, you can save a few bucks. 3 – Travelling with family? Get family rates! They are cheaper than individual rates for families of 3 or more. Typically, rates are only 2 times the price of the oldest family member’s policy…

Ontario Terminate All Out-of-Country Medical Payments

The Ontario government’s announced intention to terminate all coverage of unexpected medical emergencies for residents travelling out of the country as of October 1, 2019 appears to be a clear violation of the Canada Health Act. But that has not prevented the Ontario government, and all other provinces and territories, from short changing their own travellers for years by paying foreign hospitals absurdly low reimbursements for taking care of them when they travel out of the country. Ontario has been paying up to $200 CAD per day per patient in a standard room, $400 in intensive care, and $50 CAD for an outpatient visit—leaving it to private travel insurers to pay the great bulk of remaining costs (usually well north of 90 percent). And though the Ministry of Health and Long Term Care (MHLTC) contends that the termination of the OOC program will have no impact on 99.5 percent of…

Hungry for Food Travels?

Among the best reasons to travel is indulging in all sorts of traditional, cultural and exotic foods available around the world. Let us take you on this food journey—we guarantee you’ll want to book your next flight! Home to many Michelin starred restaurants and “Jiro Dreams of Sushi”, you will find that food in Japan is an art form. Authentic handmade udon and ramen will change your perspective on noodle soup forever, and carefully crafted Japanese sushi is an experience unto itself. Even shopping at the grocery store is fun in Japan, with unique packaging and creatively designed food making each trip a novelty. Tokyo is the eating capital of Japan, with over 160,000 restaurants to choose from—but since restaurants don’t open until 11am, it’s better to space your meals out during the day. Don’t forget to check out the fish markets early in the morning for a new food…

Important Updates To Our Policies & Extended Hours

IMPORTANT: UPDATES TO OUR POLICIES We have made changes to our policies in order to continue providing clients with comprehensive, responsible coverage.  Download a copy of our coverage summary or policy wording to get the full details of the updated changes. We at MSH Americas ensure that your clients can travel with confidence, whether they are global travellers, expatriates, or international students. With a wide range of products and an unrivaled customer service experience, you can trust that we will find the perfect solution for you and your clients’ travel needs. We offer personalized one-on-one service to fulfill your insurance needs at every point of contact. Don’t forget: We’re only a phone call away, whenever you need our assistance. MSH/Ingle Agents Login to your agent portal to view and download the latest policy details under MSH/Ingle-specific products. https://www.ingleinternational.com/login/en Canadian Travellers Travel freely, travel blissfully. We cover Canadian Travellers with travel…

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

MSH International (Americas) announced today that it 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…

Who Pays When Airlines Ground Your Flight?

Disruptions caused by the grounding of 737 Max fleets worldwide have caused many thousands of travellers to dig into their travel insurance policies to see who pays for their delays, re-routings, unanticipated airport meals, extra nights in vacation locations, taxis back and forth between airports and hotels, rebooking airline fees, and on and on. These unexpected costs can add up, especially if you’re travelling in family groups. Already, one large US travel insurance aggregator has noted that simply “fear” of flying on a 737 isn’t enough for an insurer to pay for any rebooking fees, and most airlines are not obligated to do so. National regulations on such payments vary a lot from country to country. What is clear, though, is that if an airline does agree to pay for rebooking, or other out-of-pocket personal charges caused by the disruption, or if the airline offers vouchers for future flights, your…

Canadian Students Urged to Go Abroad and Experience the World

With Canada as multicultural as it is, one might think that Canadian post-secondary students would be among the world’s leaders in expanding their educational horizons and doing all or part of their undergraduate studies abroad. But, in fact, only 2.3 per cent of Canadian undergraduates studied abroad in the school year from 2014 to 2015—far less than the 10 per cent of American or 13 per cent of Australian undergraduates who pursue some or all of their studies in foreign countries. And even when they go abroad, Canadian students confine their studies to American, UK or Australian schools (according to data from the Canadian Bureau for International Education, or CBIE). And that—according to a report from the Munk School of Global Affairs at the University of Toronto and the Centre for International Policy Studies at the University of Ottawa—is a lost opportunity for the students as well as for Canada.…

International Students Give High Marks to Canadian Schools

Though Canadian post-secondary students remain reticent to do any or all of their studies abroad (only two per cent do so during their undergraduate years), the inbound flow of international students far exceeds any of the most optimistic projections for this intellectual migration. According to data from the Canadian Bureau for International Education (CBIE), there were 494,525 international students in Canada at all grade levels (elementary to post-graduate) in 2017—75 per cent of them in universities, colleges, and CEGEPs. Why has Canada become such a magnet for international students? Certainly the prospect of high-quality education in a safe, secure, and welcoming country has a lot to do with it. But it is also enhanced by federal and provincial government incentives to allow easier routes to permanent residency after graduation, work permits during undergraduate years, broad availability of affordable health insurance options (provincial government-sponsored or private programs), and a welcoming…

Got your Passport, but Confused about Brexit?

If you’ve never heard the word “Brexit”—be grateful. But if you are a traveller with a Canadian or US passport, and you’re heading to the UK or anywhere in Europe, you may want to review a few ground rules. Regardless what happens in the cage-fight between Britain and the EU, in the short run it will have no effect on you as a traveller. What happens in the long run is anybody’s guess, but for the next few months at least you need make no alterations to your plans. As the holder of a valid passport (preferably with at least six months left before it expires) you will still be able to travel freely to any part of Britain (or Ireland) and most countries of Europe. If you go to Britain and continue on to Europe, you will need your passport for each entry. What is Schengen? Even the…

無論您是在國外工作還是留學,都要在春節期間保持傳統過新年!- Whether You Are Working Or Studying Abroad, Keep The Tradition Alive During Chinese New Year!

新年快樂 – Happy Chinese New Year! Or in Hong Kong and other Cantonese regions, 恭喜發財 – it means congratulations on the fortune. A Little History Chinese New Year, also known as Spring Festival, has taken prominence and is celebrated all over the world. This New Year celebration is actually the longest Chinese holiday of the year (lasting 15-16 days) and is celebrated on a different day every year. Why? Because it follows the lunar calendar – the movement of the moon. This tradition has been around for almost 4000 years since the Han Dynasty in 202 BC-220 AD.  The Emperor commanded the use of the lunar calendar and it has been put into practice ever since. 2019, Year of the Pig Every year is represented by a different Chinese zodiac sign. 2019 is the year of the pig – a year of fortune and luck! A pig represents wealth, honesty,…

Join Our World Wanderer Club! Experience the World in a Whole New Way.

World Wanderer Club  We are excited to introduce the new and exclusive “World Wanderer Club” to you travel lovers! If you’re looking for new places to go, travel secrets and tips, the right products to assist your trips, helpful travel blog posts on current events, and special travel perks, discounts, and contests – this is a travellers’ wonderland for you! We hope to inspire you to travel and see the world just like we do and to discover places you never knew about.  You can gain a new perspective and educate yourself by travelling abroad as well as learning how to protect yourself when you’re away from home. You can always have fun, but you’ll have the most fun when you’re prepared! Our World Wanderer Club is your resource for: International travellers Canadian travellers and Visitors to Canada Special risks and adventure travellers Group travellers International student travellers Snowbirds Expatriates…

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…

New Canadian Biometric Requirements in Place for International Students and Other Visa Holders

As of July 31, 2018, international students applying for Canadian student visas from Europe, the Middle East, and Africa are required to provide biometric facial photos and fingerprint data to Immigration, Refugees and Citizenship Canada (IRCC) officers when entering the country. The requirements will also apply to applicants for visitor, work, permanent residency, or refugee asylum visas. Applicants already in Canada are temporarily exempt from the requirements pending the establishment of biometric application processing centres in Canada starting in 2019. Canada’s Biometric Initiative program, which is designed to ease legitimate travel to Canada while protecting national security and preventing identify fraud, will be extended to applicants from Asia, Asia- Pacific, and the Americas starting December 31, 2018. Canada already collects biometric data from refugee applicants from 30 countries. Tourists from visa-exempt countries with valid Electronic Travel Authorizations (eTA) are exempt from the requirement, as are: Canadian citizens US nationals Citizenship…

Relocation Series—Moving to Toronto, Canada

Welcome to our Relocation Series Launch! 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 Toronto Languages The official languages spoken are English and French. Chinese and Punjabi are the next most commonly spoken languages. Money The Canadian dollar (CAD) is used and credit and debit cards are accepted countrywide. It is recommended to use one of the most prominent banks that have ATMS scattered across the city. Safety Toronto…

Canadian Universities Get High Marks for Education, But a Bum Rap for the Weather

No generation is more susceptible to being influenced by the blogosphere and social media rants than applicants to colleges and universities—especially those anticipating studies in distant foreign countries. It’s challenging enough sorting through the academic choices, admission standards, visa requirements, and financial commitments that are critical to making choices about where to apply without also factoring in language barriers, social customs, and basic living issues like weather. Weather? To judge by the narratives floated in various forms of media directed at aspiring international students, discussions about weather appear to be a priority. Universities in Florida, Arizona, and Southern California use weather as a big recruiting plus—for obvious reasons. It seems to work. Bundle up? But when describing college choices in Canada, once the narrators get past the great cost advantages and international esteem given Canadian universities—the second or third paragraph of the blog or article tends to focus on…

Relocation Series—Moving to New York City, USA

Welcome to our Relocation Series Launch! 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 New York City  Languages The main languages spoken are English and Spanish. There are as many as 800 languages spoken in NYC, and nowhere in the world has more languages than Queens, New York—so there should be little to no language barrier problems! Money The American Dollar (USD) is used and credit and…

International Students Love Montreal

Once again, Montreal has been ranked as the top North American city for international students in the highly prestigious QS University Rankings for 2018, the only Canadian city to make it to the top 10 most favoured slots. Noted by QS as Canada’s “cultural capital,” Montreal is applauded for its “multicultural makeup and inclusive ethos” as well as its laidback yet lively lifestyle, attractive boulevards, thriving creative industries, café culture, eclectic range of arts venues and nightlife—not to forget its internationally ranked universities. (McGill is currently ranked as 32nd in the world, and both the University of Montreal and Concordia University have also achieved respectable rankings.) To put matters in a tighter perspective, Montreal has slipped out of last year’s first-place ranking to be replaced in the #1 spot by London, then Tokyo, then Melbourne, in that order—but it remains ahead of all other Canadian cities and any or all…

The Eight-Month US Visa for Canadian Retirees: A Myth That Keeps on Coming

It happens every couple of years: broadcast and print media announce in bold headlines that Canadian retirees 55 years or older who can afford a second home in the US (owned or leased) will soon be allowed to live there for up to eight full months per year instead of the 182 days they are currently allowed under the B2 visitor visa. Sounds like great news for snowbirds who prefer slathering on sunscreen to shovelling snow. Just this month, an opinion piece in Canada’s Financial Post warned that tax increases on Canada’s middle classes were fuelling a brain drain of doctors, nurses, tech workers, and entrepreneurs to the US and elsewhere, adding, “Just watch the enormous economic damage done when Congress extends its permission for snowbirds by two months—to eight months a year—to stay in the U.S. without becoming taxable.” Well, let’s just hang on here As I said,…

Why Are Canadians Hesitant About Studying Abroad?

Canadians are among the most inveterate travellers in the world: over 23 million leisure trips abroad every year—not bad for a total population of 36 million. That covers all age groups—including the very old and the very young. And the world is reciprocating, with international tourist numbers hitting new peaks year after year and with foreign students flocking to Canadian colleges and universities to take advantage of world-class educational opportunities at tuition rates far below those in the United States. At top colleges across the nation, foreign students comprise 20 to 30 per cent of undergraduate enrollees—ditto for graduate programs. But there is one area of internationalization that is clearly lagging, to the concern of Canadian educators and business leaders: that is the reluctance of well-qualified Canadian students taking up the challenge (and denying themselves the rewards) of studying abroad—full-term or short-term. According to the Canadian Bureau for International Education…