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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…

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…

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…

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…

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…

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…

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.

Canada Has Eased the Visa Requirements for Mexican Travellers

Planning to visit Canada from Mexico? Good news! The Canadian government has lifted some of the visa requirements that were previously in place, making it easier for Mexican travellers to take trips up north. Here’s what you need to know about the new rules: As of December 1, 2016, Mexican travellers no longer require a visa for visits to Canada of up to six months. That said, Mexicans planning to travel to or transit through Canada will need an Electronic Travel Authorization (or eTA). Fortunately, this process can be completed in just a few minutes online for a cost of $7 CAD. You can take care of your eTA right here. Coming to study in Canada? If your study program will be shorter than six months, you’re good to go. For programs longer than that, however, you will still need to apply for a student visa. As well, work permits…

Ingle International Welcomes Agents, Long-standing and New

This conference season, the executive student team is pleased to meet with the agents they know, as well as build new relationships with the agents they have not met yet. If you are an agent visiting this blog post, welcome! You are in the right place. In international markets, Ingle International insures anyone going anywhere, with custom designed plans for larger opportunities including, but not limited to: study abroad and exchange programs, business and leisure travel, volunteer and tourism, high-risk, sports, and adventure. In Canada, we serve: inbound international students and outbound Canadian students, teachers, chaperones, visitors to Canada, super visa applicants and groups. For more information, download our brief on the Ingle difference, various plans on offer, as well as a pricing breakdown. Also, sneak a peek at the resources, team, and online portal available to you after signing up. Fill out an International Student Agent Application and Agreement…

Product Spotlight! Ingle Discover Canada Plan

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

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

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

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

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

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

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

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

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

An Agent’s Guide to Travel Insurance Basics

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

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

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

Ingle International is Bringing Travel Insurance–Focused Education to Our Partners

Ingle International/Imagine Financial Ltd. is now an approved Continuing Education (CE) Provider with the Registered Insurance Broker of Ontario (RIBO), the Financial Planning Standards Council (FPSC), and Advocis, The Financial Advisors Association of Canada. What does this mean for our partners? Partners within our network can now register for our regular information sessions and earn CE credits for free! Not a partner? Learn more here. Be informed Ingle is committed to providing our partners with the information and education they need. Our informative, continuing-education-accredited sessions will help brokers and agents to grow and develop their travel insurance knowledge so that they can help travellers understand the insurance products in the marketplace and find the product that best fits their needs. Stay current As our valued partners know, having a professional designation or carrying on business as a licensed broker/agent in Canada requires that your knowledge and expertise remain…

Insurance Agents: The Red Flags of Travel Insurance

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

How Will President Obama’s Announcement on Cuba Affect Insurance Agents?

How does President Barack Obama’s recent announcement regarding the significant changes to travel and financial transactions with Cuba affect your clients? Canadians, Latin Americans, and Europeans have been visiting Cuba as a travel destination for decades, In fact, Canadians are the top travellers to Cuba, making over one million trips to the country each year. However, the Cuban-USA foreign affairs embassy has been closed since 1961, which has meant that borders between the US and Cuba have not been open to US citizens for over 50 years. While President Obama’s recent announcement on loosening restrictions between the two countries means significant changes for Cuban-USA relations, it will also have the following effects for Canadians, Latin Americans, and Europeans travelling to Cuba: Improvement to the country’s infrastructure—more money pouring into the country means improvements to building, roads, and public facilities. Difficulties booking accommodations like hotels and resorts—with potentially millions of additional visitors…

An Agent’s Guide to Selling Visitors to Canada Insurance

Canada is fondly referred to as a cultural mosaic. And with a nation as multicultural as ours, it’s no surprise! With residents from around the world come family and friends visiting from abroad. If your clients are expecting overseas visitors, they will contact you to find the right insurance! Give our Agent’s Guide to Selling Visitors to Canada Insurance a read to assist you in selling this type of insurance.

An Agent’s Guide to Snowbird Insurance

After the first snow falls, snowbirds will soon be jumping on a plane to escape another cold Canadian winter. Before heading south, many of them will be looking for insurance to protect them during their time away. Planning to dive into the snowbird market this season? Give our Agent’s Guide to Snowbird Insurance a read first! Who can sell snowbird insurance? Insurance Companies Insurance Agents Associations & Groups Travel Agents Banks What to look out for when making a sale Age. Those over the age of 75 (and especially those 80 and over) have fewer choices in the marketplace. (Keep in mind, Ingle offers insurance for any age group—so give us a call if you’re stuck!) Pre-Existing Conditions. Those with high-risk conditions might be faced with limitations and exclusions on their coverage. It is important to ask your clients if they are being treated (e.g., taking medications or receiving care)…

Your Customers Need to Know: Travel Insurance Is a Serious Purchase

Canadians are expected to take close to 30 million out-of-country leisure trips over the next 12 months. Most will buy travel insurance to cover the costs of unforeseen medical emergencies and they will expect insurers and agents to provide the right plan, at the best possible price, but with the absolute assurance that they will be covered “for everything”…

Rationing Your Time: Let Ingle Help

Your compensation for helping loyal clients find travel insurance will vary widely. So do yourself a favour and develop a triage or priority system to keep your work in line with your pay. Small sales to healthy, young travellers should be handled quickly and efficiently. That will leave more time for clients who are more at risk, spend long periods away from home, cross the Canada-US border frequently, or book expensive trips to exotic places. Yet, even the cheapest travel policy and puniest sales commission could result in disappointment, resentment, or worse: An accusation of professional negligence. So proceed with caution. “Sometimes it’s better to inform the client that a condition may not be covered rather than to say that it might be,” warns Patrick Chiasson, Broker Services Manager, Ingle International. “You can put yourself at risk if you promise more than you deliver.” Ask clients to commit to…

These Tips for Annual-Plan Holders Could Save You Time

A client calls to say: “Hi, we are heading across the border next week.” You forget they already have an annual travel plan and jump into your sales routine. “Where will you be going? How long will you be travelling? What sorts of crazy things will you be doing while away?” The interrogation continues. The caller answers all of your questions politely, then mentions their existing coverage. D’oh! Patrick Chiasson, Broker Services Manager at Ingle International, says he has had several such calls over the years, particularly from those who regularly drive across the US border. Eventually the novice annual-plan holders will pop the key question: “Do I have to call you every time I plan a trip?” 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. Short trips: You need not…

Travel Insurance: Extras and Exclusions that Will Affect Your Clients

Additional types of coverage available on top of travel medical insurance can double the cost of coverage, and boost your sales revenue. But it may also add potential pitfalls as you strive to satisfy clients. Each type of optional coverage could have its own list of policy exclusions, beyond the obvious exclusion that follows a government advisory to ‘avoid all travel’ to a particular part of the world. So it’s important to ask clients how much they will be spending while away, where they will be going, where they will be staying, and what they will be doing and packing. All of these details matter when it comes to choosing extra coverage. Trip cancellation and interruption insurance, for example, is generally designed to reimburse a traveller for prepaid expenses for commercial transportation, accommodation, and activities. While all insurance plans have a long list of insurable reasons for recovering those prepaid…

Quiz Insurers about Stability Clauses. Quiz Clients about Their Health

A standard travel insurance policy will include coverage for pre-existing medical conditions, provided the policyholder meets the insurer’s stability requirements. Unfortunately, each insurer defines stability in its own way—years after the Travel Health Insurance Association of Canada first tried to promote standard wordings. So we have compiled a list of the words insurers tend to use. Defining ‘stable’ During a specified period, these health-related developments could void coverage for a pre-existing condition when travelling outside of Canada: Symptoms or signs of illness, whether new, more frequent, or severe New diagnoses or tests pointing to a deterioration in health New treatments, medical care, medications, dosages, or admissions to hospital Referral to a specialist, or a recommendation for treatments or tests A failure to act on the recommendation or referral, or a refusal to wait for test results before travelling As a broker, you should expect your clients to question you…

Travel Insurance: Gather the Right Information to Make the Right Sale

A customer planning a trip may have unique insurance needs. So it is vital to ask key questions to guide your recommendations. No client will want to duplicate coverage they already own. Employer-sponsored benefit plans and extended health care insurance may already pay for air and land ambulance expenses within Canada. Some employers’ plans and credit cards pay for emergency medical care outside of Canada. And basic homeowner policies insure clothes, luggage, and other possessions anywhere in the world. Clients may be unaware of policy limitations, among them lifetime dollar limits, limits on the value of transportation covered, days covered per trip, policy deductible amounts, and the number of travellers covered. So ask questions to better understand your client’s situation and existing coverage. This will help you supply a useful service—and make a sale. Any indication that the client will be leaving the country or province more than once a…