Canadians Show Growing Satisfaction with Travel Insurance

Travel insurers have long been criticized for the complexity of their policies, heavy-handed use of medical and legal language in their applications, and their alleged tendency to deny, deny, deny claims. But according to a new public opinion research poll, commissioned by the Canadian Association of Financial Institutions in Insurance (CAFII), a non-governmental, non-profit watchdog association advocating a more transparent insurance marketplace, more than 8 out of 10 Canadians who have purchased travel insurance are satisfied with the value they receive from the products they buy. Furthermore, according to a press release issued by CAFII, 98 per cent of people who made travel medical insurance claims in the past year said they were fully or partially paid, with only 2 per cent of claims being rejected. In addition, 91 per cent of claimants said they were satisfied with their claim experience from initial contact to final outcome. According to the…

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…

When Hurricanes Threaten, Here’s What Travel Insurance Can and Cannot Do for Your Clients

With the peak of hurricane season in the Atlantic basin approaching, travel insurance vendors need to reinforce not only the value of cancellation/interruption policies to clients planning trips to storm-prone areas, but make sure clients understand these plans’ limitations and exclusions as well. Travellers need to understand that trip cancellation insurance is designed to cover only prepaid monetary losses that are not refundable by the travel supplier—reservation deposits, payments for tour packages, cruise ship tickets. It’s not meant to compensate for the disappointment of a lost “dream trip.” If your client’s Caribbean cruise is shortened by two or three days due to a mechanical failure or an unscheduled rerouting to a safer port and the cruise line offers a make-up voucher for future travel, that’s considered a refund and disqualifies the need for a claim. Same story if an airline leaves the client stranded and then offers a voucher for…

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…

Tips for Travel Insurance Agents: Assist Your Customer, But Protect Your Trust

When travel insurance claims are denied based on non-disclosure or failure to provide accurate medical information, it can easily generate tension or mistrust between the customer and the agent who sold and “processed” the policy. This is especially so if the medical questionnaire is done verbally over the phone (or online) and the customer is unfamiliar with the medical terms used, or is unfamiliar with his or her own medical records, or simply unaware of the consequences of non-disclosure. A claim denial comes as a shock to any insured person and the first reaction will often be to deflect the blame—to the doctor for not sharing pertinent medical information, to the wife for not properly completing her husband’s medical questionnaire, or to the agent who didn’t “take the time” to explain the medical terms or didn’t emphasize that any change in health status prior to the effective date of coverage…

Let’s Talk About It: Chinese International Students and Their Mental Health

The Enticing Opportunities Abroad As the global village becomes more and more tight-knit, students are eager to study abroad for opportunities at foreign institutions and programs of study that are renowned for academic excellence. We found that a very large amount of Chinese students, from primary to post secondary, are choosing to enter the western educational system for better opportunities. In the past few years, there have been over 350,000 Chinese students studying annually in North America. Chinese students are the single largest international student population on most American campuses. But have we ever wondered why the population of Chinese students studying abroad is growing larger every year and if this transition is difficult for them? Or what it’s like for these students to leave their home country and immerse themselves into a new culture, language, and environment—alone? We have found that Chinese parents choose to send their children abroad…

Tips for Canadian Students Taking their Medical Marijuana on Vacation

With Canada on the verge of legalizing marijuana for recreational use (it has been approved for medical purposes since 2001), Canadians studying in the US or abroad, and the half million international students enrolled in Canadian colleges and universities, need to understand the rules about what is or is not legal usage, and how a little carelessness in their travel habits can ruin or seriously disrupt their academic careers. Because the bulk of Canada’s population is clustered close to the United States from the Atlantic to the Pacific, weekend or short vacation trips across the border (such as student spring breaks) are an integral part of college life—for international as well as domestic students. We must caution that international students who are not natives of visa waiver countries may need special documentation to visit the US—but all students, Canadian citizens or foreign passport holders, are urged by the Canadian government…

Premier Expatriate Insurance Now Available!

As an Ingle agent, you are now able to offer your clients the world’s leading expatriate insurance through our partnership with MSH International. Discover the benefits of First’Expat+ and Start’Expat, like inclusive coverage, flexible formulas, easy claims and 24/7 support. Call us today at 1-800-292-9460 and start earning on select policies. Want more details? Send us an email to agent@imagineinsurance.com. —About MSH International— For more than 40 years, MSH International has been designing and managing international health insurance solutions for globally-mobile individuals: expatriate employees and freelancers, young adults living abroad (internships, studies or working holiday visas), active seniors, etc. The mission is to provide solutions for all expatriates worldwide by offering coverage of healthcare, life & income protection, medical assistance/repatriation and third party liability. As specialists in international health insurance, MSH International strives to be your true local healthcare partner abroad. —Solutions— Medical / Life & Disability / Assistance Repatriation / Third-Party…

Canada’s Travel Insurers, Be Warned: Privacy Breaches Will Cost You Big Time

For travel insurance producers, vendors, brokers, and in fact any professional gathering or storing personal information about a client, the rules for maintaining strict privacy are intensifying, as are the penalties attached to them. And we’re not talking about slaps on the wrist. On May 25, 2018, the European Union’s General Data Protection Regulation (GDPR, termed by the experts as the strictest data-protection law in the world) came into effect to harmonize data protection laws of all EU member states. The law is intended to ensure that all personal data from individuals in the EU are protected; that gatherers of that data deal in a fully transparent fashion; and that customers have new and greater privacy rights and control over how their information is used by those who collect it and pass it on to others. How serious is the EU about its GDPR? Maximum penalty for non-compliance is four…

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…