Agents

36 Posts Back Home

Agent – Sell Snowbird Insurance & You Could Win!

Until November 30, 2019, every Snowbird policy you sell is a ballot entry for a chance to WIN a $100 Amazon Gift card! Don’t miss out! As the weather cools off in the Great North, Snowbirds get ready to set off to warmer destinations. Whether your Snowbirds are headed to Florida, California, Central America, Europe or Southeast Asia — we have the plans to cover it all. MSH International offers a variety of different plans for Snowbirds.Easily reach out to a member of our Insurance Solutions Team and find the plan that best fits your client’s travelling needs today!We’re here to help you find the best coverage for your clients! Call us now!Toll Free 1 800 360 3234Worldwide 416 730 8488 Log in to your agent portal to find more information, make a quote/sale, and view your commission statements.

More Brits Stranded, Victims of Airline Cancellations

The stunning collapse of UK’s giant tour operator Thomas Cook, which left more than 600,000 holidayers stranded in some 18 countries (150,000 from Britain alone) shows just how vulnerable travellers have become to circumstances beyond their control. That’s almost twice the number of travellers stranded when Monarch airlines went under in 2017, and an additional million more that lost their future bookings. The liquidation of the 178-year old tour company whose logo has become a familiar sight worldwide propelled the UK’s Civil Aviation Authority (CAA) to mobilize its “biggest peacetime repatriation” since the second world war to get its holidayers home—within the next two weeks and free of charge. The repatriation is being funded largely by the government-run Air Travel Organizer’s Licence (ATOL) system which requires travel companies who sell air holiday packages to meet certain licensing requirements and contribute to a trust fund protecting travellers in case one of…

SUNx & Ingle International Announce SDG-17 Climate Resilience Partnership

KATOWICE, Poland and TORONTO, Dec. 11, 2018 /CNW/ – A Climate Resilience partnership, focussed on creating 100,000 Strong Climate Champions by 2030 was announced today at COP 24 in Katowice, Poland. The partnership, which was made in the spirit of SDG-17, is between leading Canadian-based global travel risk management and travel insurance provider Ingle International Inc., and SUNx (Strong Universal Network), which focusses on Climate Friendly Travel. The partnership is founded on a shared commitment to develop the Maurice Strong Legacy Scholarship Program, with Ingle International as its first global sponsor. Speaking from COP 24 – the United Nations Climate Change Conference, Professor Geoffrey Lipman, Co-founder of SUNx, said: “We are honoured to announce our partnership with Ingle International to launch the global rollout of the Maurice Strong Legacy Scholarship Program. This will create 100,000 “Strong Climate Champions” by 2030, in every UN State, to help to drive the behavioural change and influence the fundamental government and industry actions needed to tackle Climate…

“Back to School” Low Season Travels

As “regular hours” resume and it’s back to school for students and families, low season starts where there will be less crowds, still great temperatures, and cheaper travel packages. Here are the best spots to visit in September: Take in the sights of Asia’s third-largest country on the Deccan Odyssey luxury train. This train travels the Maharashtra route through the southern part of the country, stopping at both popular and off-the-beaten path locations such as World Heritage Sites and palaces. Take this luxury train on one of six possible itineraries to different destinations. All meals, snacks, non-alcoholic beverages, and excursions including entrance fees and camera permits are included. Each cabin also provides a private butler, an in-suite bathroom and closet and even HDTV. If you prefer to venture on your own without a set itinerary, stay at the Hilton Shillim Estate Retreat and Spa in India to indulge in an…

Thinking about your Fall and Winter travel plans as Summer closes in? Know your rights!

Don’t forget to pack your travel insurance – and make sure you pack the right one! We have a dedicated team to help you choose the perfect plan fit for your travels. MSH Americas is dedicated to honoring our leading position in the travel insurance industry by providing exceptional service, up-to-date news, and support for our clients. Whether you are going abroad for leisure, to study, or to work, we want you to be able to travel with confidence. As part of our ongoing commitment to you, we promise to adhere to the newly updated THIA Traveler’s Bill of Rights. The Traveler’s Bill of Rights reads: The Travel Insurance Bill of Rights and Responsibilities builds upon the following key elements of travel health insurance: • Understand your travel insurance policy – Insurance providers have staff available to answer any questions related to policies.• Know your health and consult a health…

Hurricane Season is Here. Stay Alert

It’s the peak of hurricane season in Atlantic and Caribbean waters and the first major storm of the season, Dorian, has switched on the alert for residents on the southeast coast of the US, the Maritimes, and Newfoundland, as well as the highly susceptible island countries in the Caribbean and the shores of the Gulf of Mexico. If you have travels planned to any of these areas, you need to carefully read your travel documents, airline travel rules, hotel/resort contracts, and especially your travel insurance trip cancellation and interruption benefits and limitations, and you must monitor the official government travel advisories. Travel Canada has already issued advisories for many of the islands in the Caribbean, warning of the need to either practice extreme caution if you’re already in the path of the storm, or avoid travelling altogether. These warnings will change from day to day, but you need to be…

Family Vacation Destinations

Looking for the perfect family vacation for summer break? Make the most of your yearly trip with these family-friendly destinations – perfect for all ages, with fun activities for everyone in your group! Although Las Vegas may be known as an adult playground, there is a large mix of activities available for families with children as well. Picking a family-friendly hotel will be the make-or-break decision, as some hotels cater to children: For example, Mandalay Bay boasts a giant Shark Reef aquarium and multiple pools with a lazy river and an actual sandy beach. The Circus Circus hotel, true to its name, includes an actual circus with world-class jugglers and a variety of performers—as well as indoor roller coaster rides, a 50 foot waterslide tower with 3 slides, and a Splash Pad with waterfalls. Other must-see attractions you and your children will love include M&M World where they have different…

10 Things I have Learned About Human Trafficking Since Launching Our Task Force

In the run up to 30 July – World Day against Trafficked Persons, which is calling for governments to take more stringent action to fight Human Trafficking, I took the opportunity to reflect on what I have learned about the issue since WTTC launched its Human Trafficking Task Force at the 2019 Global Summit in Seville, April this year. Human Trafficking is a big money ‘business’. According to the International Labour Organization, Human Trafficking is an illicit industry worth more than $150 billion annually, which is equivalent to the entire tourism economy of Brazil ($152.5 billion). 2. Human Trafficking affects everyone, everywhere. Victims of Human Trafficking are men, women and children, and they can be found in every country in the world. An estimated 24.9 million people are trapped in forced labour: 16 million of which are exploited in the private sector, 4.8 million in forced sexual exploitation, and 4…

Best Places to Travel to Escape the Heat!

Can’t stand melting at 40°C? Need an escape from the scorching sun? Travel with us to cooler climates and enjoy a break from the soaring temperatures. 8 great places to visit comfortably this summer! If you want to visit Canada in the summer, Alberta is one of the best provinces to explore. With the most daily sunshine hours of the year and comfortable weather at a high of 24°C, you can trek the mountains, visit historical sites and museums, enjoy restaurants and do shopping. What brings most visitors to Alberta is nature: the jaw-dropping Rocky Mountains and other beautiful national parks are sights to behold. Travel to Dinosaur Provincial Park near Drumheller to see the Alberta Badlands and visit the Tyrell Museum to see real dinosaur skeletons up close. For those who are extremely fit and active, head to the Rockies and hike the challenging Cory Pass – it’s one…

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

MSH International (Americas) 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 and mobile sales/information portals…

Travellers’ Alerts Raised for Measles Outbreaks in Europe and the USA

If you’re heading for Europe this summer, and especially if you’re travelling with children who have not been vaccinated for measles, see your doctor or a travel health clinic immediately and have yourselves and your children properly immunized against this dangerous and potentially deadly disease. Most of us thought measles had been eliminated many years ago. But the epidemic raging across Europe shows just how resilient this highly contagious disease can really be. According to Canada’s Travel Health website, as of the end of May 2019, large measles outbreaks (exceeding 1,000 cases) are currently ongoing in Albania, France, Georgia, Italy, Romania, Russia, Serbia, and Ukraine; and since the beginning of 2019, serious outbreaks have also been reported in virtually all other European nations, including such highly developed countries as Germany, the UK, Spain, and Switzerland. According to the European Centre for Disease Prevention and Control (ECDPC), 35,000 cases of measles…

Tour Canada From Coast to Coast – Part 2

If you haven’t seen Part 1 of our Coast to Coast Tour, click here! Now is the perfect time to visit the Great White North! Ready to dive in and find your next Canadian destination? Home to Toronto, Canada’s largest and most populated city and main economic hub, Ontario not only has a vibrant city life, but many outdoor beauties to see including the world-famous Niagara Falls, a multitude of provincial parks, and the Great Lakes. With popular landmarks like the CN Tower and Canada’s parliament buildings, Ontario is Canada’ most visited province, and offers a panoply of multicultural foods and festivals for your delight. Quebec is where you will find the descendants of French settlers known as French Canadians. Besides the French language, you can find European influences in the local culture, food, and architecture, all of which combine with historic charm. Iconic landmarks like the Chateau Frontenac, Notre…

Tour Canada From Coast to Coast – Part 1

Now is the perfect time to visit the Great White North! It may be heating up everywhere else in the world, but in Canada, the weather is just warming up, offering the most comfortable temperatures for you to explore the jaw-dropping wilderness or bask in the city multicultural city life. Low season lasts until late June and offers great pricing options for travellers. July and August are high season, but if you book at least 3 weeks before your departure, you can still find below-average pricing for your getaway! Dive in and find your next Canadian destination! Armed with miles of picturesque coastlines, British Columbia offers the popular Stanley Park seawall where you can go for a scenic leisure walk or try cycling for a good workout. Challenging hikes up the Rocky Mountains are perfect if you crave adventure. The Capilano Suspension Bridge also offers great photo ops and an…

Ontario Travel Health Cutback Confirmed. Now What?

Now that the Ontario government has confirmed its decision to terminate all emergency medical costs for its residents travelling out of the country—effective October 1, 2019—we must ask what’s next for the millions of Ontarians who are accustomed to cross-border day trips for shopping, sporting events, regular family reunions, or in some cases even work. (Ontario’s action does not affect health coverage while visiting other provinces.) Recent surveys confirm that over 76 per cent of Canadians surveyed in 2018 said they had some form of travel insurance on their last trip out of the country—with older groups (boomers and snowbirds) having the highest rates of coverage. They know, they have the experience. They have heard the horror stories about what can happen without it. Younger groups, not so much: there’s still a reasonable amount of “invincibility” thinking out there. Multi-trip policies come into their own But there’s also some good…

超级签证保险:常见问题

如果您的父母或祖父母希望长期(每次最长 2 年时间)留加,而您是加拿大永久居民或加拿大公民,超级签证是最好的选择。但是别忘了您需要为您的父母或祖父母购买超级签证保险来为他们在加拿大停留期间提供保障。 以下是关于超级签证保险的常见问题解答: 我需要的最低保额是多少? 您至少需要 10 万加元的保额 — 我们所有的保险计划都可以提供。 是否有年龄限制? 一些保险计划有限制,但是我们有适合任何年龄的保险计划。 我需要投保多长时间? 您必须投保一年。 如果我的签证被拒该怎么办? 提供拒签证明即可获得全额退款。(如果没有提供拒签证明,您可能会被收取最高 250 加元的手续费用) 如果我的签证通过了,但旅行日期变了该怎么办? 您可以在保险生效前联系您的代理来更改您的投保日期。 如果我只在加拿大停留 1 个月,我可以只购买一个月的超级签证保险吗? 您必须购买一年的保险才有资格申请超级签证逗留加拿大。回国后您可以申请部分退款(需提供您提前回国的证明和无保险索赔申请)。大多数保险公司会收取小额费用,通常为 25 加元。 如果我在一年期满前离开加拿大,我能获得退款吗? 回国后您可以申请部分退款(需提供您提前回国的证明和无保险索赔申请)。大多数保险公司会收取小额费用,通常为 25 加元。 如果我打算在加拿大逗留两年,我可以购买两年的保险吗? 不可以,保单一年一签。但是,在您临近第一年结束时我们可以为您更新保险计划。 如果我顺路去其他国家旅行,我的超级签证保险能提供保障吗? 加拿大访客保险计划允许顺路游,前提是至少 51% 的投保日期是在加拿大度过的。旅行的起止地点都必须在加拿大。 是否覆盖投保前已存在的疾病? 是的,只要符合一定的稳定性要求,年龄在 79 岁以下的游客的大多数已存在疾病都可以得到保障。对于 80 岁及以上的游客,经详细的医疗问卷调查和保险公司批准后,可带病投保。 如何付款? 信用卡或借记卡。 我可以按月付款吗? 不行,必须提前支付全部保费。 有没有办法降低我的保费? 有!您可以利用免赔额来降低您的保费。欢迎随时联系我们了解此选项的更多信息。 加拿大访客 加拿大是世界上面积第二大的国家。您可以无忧无虑地探索这个多元文化国家。无论是徒步探索阿尔伯塔省的落基山脉,还是在多伦多的加拿大国家电视塔体验世界上最高的免手扶边缘漫步,我们都可为您提供保障。 了解更多信息,请访问 https://www.ingleinternational.com/en/travel-insurance/visitors-to-canada,或致电 1-800-360-3234 或发送电邮至 helpline@ingleinternational.com.agent@ingleinternational.com

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…

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…

New Product Launch: LivExpat. Customizable Benefits That Will Save Your Clients Money.

MSH AMERICAS announces the launch of LivExpat – A flexible, affordable international health insurance plan for 1 – 150 lives. LivExpat is the beginning of a new generation of flexible, cost efficient and innovative international health insurance plans. Designed to meet the needs of the ever-changing global traveler and SME’s. LivExpat fully insured plans give you choice; Emergency medical only coverage or Comprehensive medical coverage with optional Disability, Life and AD&D. These plans provide insurance protection with several duration options and mix and match benefits to best suit you and or your employees. Medical including hospitalization, routine and vision care, and prescription drugs, and optional dental care; Evacuation including transportation, hospitalization and repatriation; Employee Assistance Program Life & Disability, including Life, Long-Term Disability, Temporary & Permanent Total Disability, and Accidental Death & Dismemberment benefits. LiveExpat includes access to MSH‘s exclusive Provider Network of more than a million healthcare professionals around…

The Real Value of Travel Insurance: Staying in Touch

It’s just a little over three years since Paris was stunned by a terrorist attack in the heart of the city, with 130 people shot dead—mostly young people having fun at a concert. It made those of us who have come to know Paris stop in our tracks. And now we have again witnessed scenes of protesters in yellow vests disrupting this city of lights with anti-government demonstrations: cars being burned, fires set, graffiti marring the Arc de Triomphe, tourists and visitors running from those sites they have come so far to see. And this is Paris, one of the world’s most visited cities. Is any place safe anymore? Is London safe, or Barcelona, or Brussels, or Nice, or Las Vegas? For travel insurers, whose predominant mission is to safeguard their customers when they leave home, there is increasing need, and opportunity, to bring value to their clients beyond helping…

Put the “Serious” Back in Travel Insurance

Where is the logic? Some people will take two or three trips to an appliance store before deciding on a new flat-screen TV costing them over $1,000; they will grill the salesperson about the pros and cons of this set or that; and they’ll scour the fine print details to make sure their purchase meets their specific needs. Yet when purchasing a long-term travel insurance policy, without which they might lose their life savings, they’re OK to do the purchase over the phone or online in three minutes, and don’t think twice about throwing the policy in a drawer unread after receiving it from their agent. According to a recent survey of Canadian travellers done by a trade group representing travel insurers, less than half (48 per cent) of respondents said they normally check their travel insurance coverage before taking their trips; 35 per cent admitted being unsure what their…

New Surveys Show Canadian Travel to the US Is Up—and So Is Insurance Coverage

Despite a plethora of news stories asserting deteriorating relationships between Canada and the US over trade and political differences, it appears Canadians have not pared back their leisure travel plans south of the border to their most favoured vacation destinations. In fact, according to new data reported by the Conference Board of Canada (CBoC) and Statistics Canada, Canadian leisure trips to the US lasting at least one night increased in 2017 by almost 4.5 per cent from 2016’s number, rising to 15.5 million—the first annual increase since 2013. Overall, Canadians made over 25.5 million leisure trips out of the country (to both the US and abroad) in 2017, more than in the previous two years.   More than three-quarters maintain travel coverage The CBoC survey also commissioned a poll of Canadians to determine their travel insurance buying habits. It found that 78 per cent of those who had travelled out…

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…

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…

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…

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…

Canadian Travel Trade Trends Remain Strong for 2018/2019

Despite persistently negative media coverage of US political affairs (including volatile NAFTA negotiations), Canadian leisure travel to the US increased for the first time in four years in 2017—up 4.5 per cent over 2016—indicating that vendors of travel insurance may continue to enjoy robust market growth south of the border. According to a recent report from the Conference Board of Canada (CBoC), when asked about those factors that influenced their travel decisions, the “vast majority” of (Canadian) outbound travellers reported that disease/outbreaks (64.9 per cent), political uncertainty (60.2 per cent), terrorism/security concerns (59.4 per cent), and extreme weather events (54.6 per cent) had no impact on their trip planning. On the other hand, the ups and downs of the loonie vis-à-vis the US dollar did have some effect on travel decisions. Fortunately, the relative strength of the loonie throughout much of 2017 did have a salutary effect on travel to…

What Is a Companion Discount and How Can it Save Money for Canadian Travellers?

Canadians love to travel, particularly when it involves jetting off with a family member or friend. In fact, the latest outbound data for travelling Canadians saw a new record set for the number of trips to overseas countries this past fall. Some 1.1 million Canadian residents returned from overseas countries in November 2017, a rise of 6.8 per cent when compared with the same period a year earlier. These statistics don’t even include trips to the US, which also increased 5.6 per cent in the same period. With travel numbers continuing to rise across 2017, it’s fair to assume Canadians could be hitting the sky in record numbers this year. Increased foreign travel has coincided with a greater need for travel insurance, particularly when considering some countries now request that travellers show proof of medical coverage before entering their borders. Travel insurance is important for a plethora of reasons (providing…

Industry Insights: How to Talk to Millennials about Travel Insurance

Today, every travel insurer and distributor has the same problem: How do I talk to millennials? In this video, our CEO Robin Ingle looks at how best to communicate with this key demographic. Watch now to find out what matters to millennials when it comes to travel safety and how you can help them relate to the importance of travel insurance. https://vimeo.com/238784002 Learn more about your travel insurance options here.