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No Consensus on Vaccine Passports

Throughout a world still bogged down by border restraints, the idea and processing of travel passes for those lucky enough to have been vaccinated against COVID-19 is raging ahead. Israel’s green passports In Israel, which leads the world in completed vaccinations (55 per cent), “green passports” have become common currency, and in many cases are mandatory for entry to concerts, restaurants, gyms, hotels, synagogues, businesses, stores, and everyday movement. Those that have them are first in line. Many others have to wait. To get a pass, you must first of all have been fully vaccinated for at least one week. Then after downloading a specified health department app to your Apple or Android phone, you must update your personal details, including personal ID number or passport number, phone numbers, and birth date, confirm the information is correct and confirm a code sent to your phone. You will then be sent…

Don’t Give up on Cruising in 2021… Canadians Can Still Hope

Given up hope of taking that late summer or fall cruise? Starved for some Caribbean sun? Hang on. The battle to reopen cruising out of South Florida—the world’s largest cruise market—has moved into high gear. Under intensifying pressure from American political, travel, and cruise industry heavyweights, the US Centers for Disease Control and Prevention (CDC) is being forced to explain and justify the continuation of its ban on cruises out of US ports now that vaccination efforts are far outpacing the spread of COVID transmission and the cruise industry has itself committed to stringent new protocols designed to mitigate future spread onboard its ships. Leading the charge to reopen cruising, Florida Governor Ron DeSantis has threatened to sue the CDC to lift its Conditional Sailing Order (issued almost five months ago) banning cruise vessels with capacities exceeding 250 passengers from sailing in US waters, and to do so this summer.…

Where are the Canadians? America Misses You

Roger Dow, president of the U.S. Travel Association, misses seeing Canadians…a lot. Dow lives in St. Petersburg, Florida, and he says every night he looks out at the condos in his neighbourhood and they’re dark. Because they’re owned by Canadians. Speaking to his trade constituents via Zoom recently, he said, “A billion dollars a day goes across that border…We need to get the Canadian traveller back. It’s the largest country for travel to the US and over 20 million Canadians come here, and it goes back and forth. “We have to get that going,” he said, adding that though the USTA is lobbying to get all markets open for travel to the US, ”the Canadian [market] should be one of the easiest to get open based on protocols both countries are doing and it would make…the most sense to start stepping out in Canada fairly quickly.” Congress concurs Susan Collins,…

Restoring Confidence in International Travel

While we wait patiently for international travel to reopen, there are important things we can do to restore confidence that we can travel safely and be well prepared to meet the challenges of a post-pandemic world. We’ll need to learn some new rules and brush up on some we may have forgotten. For example: when was the last time you reviewed your passport to check out its expiration date? Ten years can fly by more quickly than you realize and increasingly, border control agents are requiring at least six months of remaining passport eligibility before granting you visiting rights. And “granting” is the key word, because you have no inherent right to be allowed into any foreign country. You’re only granted that privilege by your hosts. Some passports have more benefits than others Fortunately, Canadian passports are among the most highly valued* in the world, allowing their holders visa-free or…

Post-COVID: Summer Travel Is Not Impossible

As economies begin to open up—some timorously, others robustly—summer vacation travel is no longer an impossible dream… so long as you stay flexible, able to moderate your plans even up to the last minute if need be, and are prepared to compromise. Many travel insurers as well as suppliers such as air and cruise lines, hotels, and tour operators have modified their rules to allow for late-term cancellations, cash-back rebates in lieu of travel credits, and other pandemic-related disruptions. This bodes well for travel-deprived Canadians who have learned the value of preparing for the unknown, balancing risks and rewards, and daring to make choices. As Forrest Gump wisely said: “You never know what you’re gonna get.” Because of variations in COVID prevalence internationally, it’s unlikely that all borders will open synchronously. Even among European countries there is little harmony about inviting summer tourism. Nonetheless, we may well see more travel…

Can Vaccines Be the Game Changer in Opening up Travel?

As two of Canada’s closest neighbours (UK and US) lead the world in vaccinating their citizens against COVID, we’re seeing clear indications that getting those jabs might be the game changer in getting confinement-weary citizens back on the road again. For the record, among the 92 countries being tracked by the Bloomberg (news service) Vaccine Tracker, the UK and the US are among the world’s top four vaccine jabbers: (1) Israel, with over 82 vaccinated per 100 population; (2) United Arab Emirates, 52 per 100; (3) UK, 27 per 100; (4) US, 19 per 100. These figures are mostly based on vaccine recipients having received at least one jab—although many have received both. (These figures were effective as of Feb. 22, 2021.) According to the Guardian newspaper, since Prime Minister Boris Johnson announced his plans for a May 17 easing of lockdown rules, three of Britain’s top charter carriers reported…

Pulling Back the Curtain on Lesser-Known Black Trailblazers

“When we’re talking about diversity, it’s not a box to check. It is a reality that should be deeply felt and held and valued by all of us.”—Ava DuVernay At MSH, we take pride in doing our part to help you travel and live with confidence. For Black History Month, we honour some of the more unheralded Black trailblazers who did just that, and as a result, shaped history. Their contributions transcended limits and norms, representing the best of all of us. Anton Wilhelm Amo (c. 1703–c. 1759) As the first African to earn a doctorate degree at a European university and the first to practice philosophy in Europe since Roman times, Anton Wilhelm Amo was an academic pioneer. His pride in his African heritage formed the basis of his philosophical work, challenging the legal basis of European slavery and contesting social norms. Mathieu da Costa (1589–1619) While the exact…

There May Be a Cruise in Your Future. Be Patient

If you feel the need to lift your spirits, plan ahead, “break free,” you could do worse than start scouring the Internet for deeply discounted cruise packages now being offered by the world’s leading cruise lines in anticipation of a post-COVID pent-up demand for leisure travel. You may have to wait until late 2021 to board—that appears to be the most realistic projection anticipated by cruise professionals at this point—but there aren’t that many travel options in the meantime. And cruise companies have loaded up their packages with plenty of safeguards to protect your investment should it be delayed further or should your plans change, for whatever reason—and you may not even have to give a reason. Full cash refunds on-demand are now standard throughout the industry. If not, 125 or 150 per cent credits for changes, cruise delays, or cancellations remain an option. It’s a buyers’ market as it’s…

The Snowbird Conundrum: Paying to Go Home?

Feeling stranded? Confused? Uncertain if and when you can return to Canada and what you’ll have to do to get back to the northern side of the border? It hasn’t been made any easier by Ottawa’s new plan to require Canadians flying home to quarantine in selected hotels for up to three days (at an estimated cost of $2000) while their PCR COVID tests are assessed, then complete the remainder of the 14-day quarantine period at home. At this point the hotel quarantine option is still being developed so it may be some weeks before it is operational, but it does not presage an easing of border rules any time soon. How long can you stay? You can stay out of Canada indefinitely and still retain your citizenship. But US law allows Canadian passport holders to remain in the country only up to 182 days per every rolling 12-month period—so…

Getting Worse Before It Gets Better: Why This May Be the Toughest Time of the Pandemic

Here we are at the end of January 2021, and it will soon be a year that we have been living through the pandemic. It’s been a difficult year with ups and downs, but I would consider right now to be the toughest time in the pandemic. When it all started in March 2020, we were in a state of shock. Suddenly, it became apparent how widespread the infection had penetrated in North America and around the world. We saw a serious situation unfold in Italy and New York City. We quickly shut everything down, hoping to gain some understanding of what exactly was going on and what we needed to do to contain the outbreaks. Then we slowly relaxed the stay-at-home measures and instituted newer ones, like wearing masks and physically distancing. In short, we learned how to be able to move around the world more safely: what to…

StudyInsured™ kicks off 2021 with newly streamlined, student-focused phone line, StudyInsured™ Assistance

PRESS RELEASE, TORONTO, February 1, 2021 – StudyInsured™ announced today the launch of StudyInsured™ Assistance, a single phone line providing all-encompassing medical assistance and mental health support for its students. The in-house line features centralized resources for students, via a single phone number, for all their assistance needs, including: • A crisis line for mental health support via the Stay Healthy at School program • Medical assistance and health care guidance • Insurance coverage queries and claim support. “It’s all about making sure the resources we provide to students are easily identifiable – the simpler, the better,” said Susanne Hendrickson, Director, Sales. With in-house assistance previously named Intrepid 24/7, the new branding of StudyInsured™ Assistance reflects the company’s commitment to simplifying and streamlining student products and support. Intrepid 24/7 will remain the company’s assistance line for white label services and various non-student clientele. StudyInsured™ has provided student insurance services for…

New US Rules Require COVID Test Results—Even if You Have Been Vaccinated

Effective January 26, 2021, all international travellers (including Canadians) flying to the US are required to show proof of a negative COVID-19 test taken within three days of departure, or validation from their physician that they have sufficiently recovered from infection by the coronavirus. The rule, issued by the US Centers for Disease Control and Prevention, in effect reciprocates a similar one effective January 7, issued by the Canadian government for international travellers flying into Canada. But an important adjunct to the CDC rule that is causing some confusion among seniors already vaccinated against the coronavirus insists that their vaccination doesn’t exempt them from the negative test requirement. It’s a head-scratcher, but it’s true. Even though you may have recently received your two jabs—either of the Pfizer/ BioNTech or the Moderna vaccine—you will still have to show proof of a negative test taken within three days of boarding your flight. Says…

Confused by Post-Brexit European Travel? No Sweat

Now that Brexit is a done deal, you might wonder how it will affect your summer or fall travel plans to Europe—assuming and hoping that COVID is by then brought under enough control that flying around the globe is safe again. Until that clearance is sounded, you should keep abreast of any changes to entry requirements for all countries to which you’ll be travelling and/or transiting through. Though entry to any country in the Schengen area (which covers 26 nations—most of them in the EU) normally allows Canadian and American citizens to travel without visas or further passport inspections, individual nations within this union have the right to impose temporary border inspections if certain emergencies (such as illicit migration surges or terrorist threats) emerge. Also, proof of health insurance coverage up to EU standards (at least €40,000) may be required at any stop along the way. Individual countries are increasingly…

Vaccine Arrival Sparks Traveller Hopes, But Canadians Remain Cautious

Though arrivals of COVID-19 vaccines may give us hope that travel restrictions might soon be relaxed, Canadians remain cautious about planning international—or even, to some extent, domestic—trips any time soon. According to a new survey by the Conference Board of Canada, while 87 per cent of Canadians say they miss travelling, three quarters insist they won’t travel out of the country until a vaccine is available, and 53 per cent say the same about domestic travel. Meanwhile, one quarter of respondents to the survey do not plan to get vaccinated. Furthermore, if and when airline travellers decide to pack up and go, 66 per cent want mandatory face masks used by all ground and in-air staff and 57 per cent want distancing space retained—to some degree. Survey respondents also revealed that their fears about exposure to COVID were most pronounced about the modes of transportation—more than half were “extremely or…

Update on European Travel Authorizations: Deferred to 2022

Early in 2019 we alerted you to the European Union’s forthcoming travel authorization scheme requiring Canadians and Americans (as well as citizens of 60 other nations who do not normally require visas for European travel) to file for pre-authorization to visit any of its member countries as of January 2021.  The scheme, the European Travel Information and Authorization System (ETIAS), has been deferred to late 2022 to allow all member countries to better coordinate and come into compliance with each other. Nothing comes easily or without glitches in the EU’s multinational operations. That start date is also tentative as there is likely to be an official launch toward the end of 2022 but it will not be mandatory until 2023. Additionally, a 6-month grace period is planned to allow eligible travellers to become familiarized with the new regulations. So all we can say today is “for now you can relax,” but “stay…

It’s Your Policy. Take Responsibility. Take Your Time

More than ever, travel insurance products are giving customers in less-than-perfect health opportunities to leave home, visit friends and relatives in distant countries, and even indulge themselves in leisure activities that would have been unthinkable a decade or two ago. Even for the elderly, given their normal range of chronic conditions (e.g., high blood pressure, heart flutters, diabetes, artery or vein disorders), coverage may be available so long as their health has remained stable for specified periods (three months, perhaps six) and they have completed their medical questionnaires accurately and haven’t “shaded” the truth to gain a slight reduction in premiums. Such attempts at “savings” can turn into financial catastrophes if the insurer is forced to deny a claim for emergency medical services because you failed to fully or accurately disclose that you had been “checked out” for a respiratory condition within the past three months, or that your medication…

Simple Tools for Avoiding US Taxes for Canadian Snowbirds

Canadians spending long periods in the US on B2 visitor’s visas (see our previous article) often ask at what point their presence becomes taxable to Uncle Sam. It’s a good question because paying taxes at home is irritating enough. You don’t want to get tangled up with tax demands from two governments. And the good news is that the great majority of snowbirds won’t have to pay US taxes. But they need to follow some not-too-complicated rules. Let’s take it from the top The demands of the IRS, which governs tax collection, and the requirements of Homeland Security’s Customs and Border Protection agency, which controls who enters the country and for how long, are separate. CBP agents are not tax collectors. The IRS, however, is. And it wants to know if you spend enough time in the US to be considered a resident for tax purposes. Don’t read that as…

Winter is Coming: How to Best Protect Ourselves from COVID-19

We are still learning about transmission of the virus, SARS-CoV-2, that causes COVID-19. We have come to learn that the way this virus spreads is a bit more complicated than what we initially understood. Thankfully, the main mode of transmission is still felt to be through direct exposure to respiratory droplets that carry the infectious virus. These types of respiratory droplets are larger and heavier in size and rarely travel farther than six feet. They fall quickly to the ground or land on surfaces. If you are around someone who is infectious, your highest likelihood of catching the virus is if you inhale respiratory droplets that they have exhaled while you are in close contact with them. Hence the importance of masks, particularly in situations when you cannot adequately physically distance. The comfort in knowing that this is the main mode of transmission is that it offers us a mode of control.…

How Long Canadians Can Visit the US: A Review

Every now and then, the question of how long or how often Canadians can visit or tour the United States each year comes up from someone who has heard a horror story about a border-crossing mishap. And though I have written many thousands of words on this subject over more than 25 years, there always seems to be room for an update—especially as travel regulations constantly seem to be changing and new requirements for international travel keep being announced. Since hundreds of thousands of Canadians spend entire winters in the US, it’s worth setting the record straight. And that’s easy. It’s not complicated. Thanks to the special relationship that exists between Canada and the US, there is a preferential arrangement between our countries that allows Canadians to visit the US for up to six months per each rolling 12-month period. That is an allowance deemed under the B2 visa which covers…

Will Canadians Return to Cuba after COVID-19?

Now that vacation flights have resumed to Cuba, albeit on a limited scale, can we expect Canadians to maintain their position as that Caribbean country’s most favoured source of tourism? It seems so: with Canadians accounting for one-fourth of all tourists to Cuba (1.1 million of 4.4 million in 2019), that lead is likely untouchable, for now at least. The runner-up USA, which provided 650,000 tourists (mostly on special group and family-connection programs) in 2019, will continue to lessen its numbers as the long-standing trade embargo is strengthened. But there is no shortage of tourists from Europe and Asia applying for Cuban tourist visas, and high among them are Russian tourists, who have already started chartered flights into Cuba this month (along with German tourists). In 2019, approximately 178,000 Russians visited Cuba—up 30 per cent from the previous year. According to Cuban authorities, Russians have submitted the fourth-highest number of…

Still Hope for the 240-Day Visa? Patience is a Virtue

For more than a decade, Canadian snowbirds hoping for permission to spend more time in warm-weather states south of the border have pegged their hopes on passage of US federal legislation amending the Immigration and Nationality Act to authorize their admission for up to 240 days—eight months per year. That’s two months more than is currently available through the standard B2 tourist visa, which is what Canadians use when hopping the border for a one-day sports event—or for a 183-day winter vacation in Florida or Arizona. Known generically as the “Snowbird Visa,” the amended visa would allow Canadian citizens aged 50 or older to reside in the US for up to eight months per year contingent on their retaining homes in Canada, owning or leasing long-term residences in the US, waiving all rights to welfare or public assistance funding, and refraining from any employment or other work for hire. In effect: tourism…

COMPLAINT EXAMINATION AND DISPUTE RESOLUTION POLICY

This policy is in compliance with the provisions set out in the Act Respecting the Distribution of Financial Products and Services (Quebec) pertaining to complaint examination and dispute resolution. 1. Purpose of the policy 1.1 The purpose of this policy is to set up a free and fair procedure for examining all complaints received by us (the “firm”). It is intended, in particular, to govern the receipt of complaints, the delivery of the acknowledgement of receipt to the complainant, the creation of the complaint file, the transfer of the file to the Autorité des marchés financiers (the “AMF”) and the compilation of complaints for the purpose of preparing and filing a semi-annual report with the AMF. 2. Person in charge 2.1 The person in charge of the application of the policy for the Province of Quebec is Ghada Darwish. 2.2 As the person in charge of the application of the…

Can’t Wait to Get Back to Cruising? Expect Changes

In 2019, Canadians took almost one million cruises, sailing oceans, lakes, and rivers around the world. And a large majority of them say they would do it again. Cruisers are a committed lot—all surveys confirm it. Then came COVID, and though it took some time, cruisers returned home, wondering when or if they would get another chance to sail. Now, almost nine months later, the question remains. When will cruising resume? And how will the experience be changed? Since the US Centers for Disease Control (CDC) first issued its “no sail” order for ships in US waters (March 14, 2020), there have been a few isolated attempts at cruise resumptions—primarily in the Mediterranean and other parts of Europe. But outbreaks of COVID on some of these voyages have cut them short as well. Since then, extensions of the “no sail” order have been continued through to the end of October.…

Why it’s best to avoid getting COVID-19

“Why are we forcing everyone in society to abide by public health measures like masking, physical distancing and limiting their social contacts?” “Isn’t it better for all low risk people to get infected so we can achieve herd immunity?” “High risk people, or those who are concerned, should stay home but we should let all others get back to their normal lives to keep the economy going.” “Facts, not fear” These are some of the many statements I have read on social media and in my own social circles. We are living in a very difficult time. Yes, that’s the understatement of the year. Many of us are frustrated by having to adhere to the public health measures of hand washing, avoiding indoor spaces, avoiding social gatherings, wearing a face mask and physical distancing. It is not easy to live our lives this way. It all happened so suddenly. We…

You’ve Covered “Medical” Insurance—Now What About “Cancellation”?

If there is anything positive to be said about how travellers have been impacted by COVID, it’s that trip cancellation insurance has become a “top of the mind” issue. For Canadians that’s critical, because though more than 70 per cent of travellers normally buy emergency out-of-country medical coverage, fewer than a third have, up to now, considered trip cancellation/interruption insurance a necessity. No longer. With millions of the world’s travellers now lining up for refunds or rebates for cancelled air travel, cruises, or tour packages due to COVID, the focus has shifted to gaining some assurance that family finances are also protected in case of unexpected disruption. Fortunately, there is no shortage of trip cancellation/interruption products in the travel insurance marketplace, but understanding the conditions of coverage, the limitations and exclusions, and how and when one goes about getting a “refund” when travel plans go awry is part of the…

Things to Know Before Your Pandemic Road Trip

The year 2020 is one for the books – though not in a positive light. After months of imposed staycation, Canadians are looking for relief from the COVID-19 dystopia in which we now live. Here’s where the reality check comes in. The Canada-US border is still closed to non-essential travel (and likely will be until the end of the year). Air travel is mostly grounded and even then, a bit iffy. Luckily, Canada offers a vast backyard with ten provinces and three territories to discover. So, if you’re thinking about hitting the road before winter – or the next lockdown – sets in, here are some things to consider: Play it safe. Choose someone from within your bubble as your travel partner(s). If that’s not possible, you and your roadie(s) should self-quarantine for two weeks before you leave to ensure you’re not carriers.Plan ahead. Consider a destination that isn’t a…

Insurance for Travel in Canada: Don’t Leave Home Without It

It’s a common misconception among Canadians that provincial health insurance will provide complete coverage while they’re travelling in Canada. Unfortunately, they’re misinformed. While provincial health plans do cover a wide variety of health and emergency services in your home province, it does not always extend to other Canadian provinces. Depending on your province of residence, your provincial plan may cover only a portion, or none of the costs associated with: Emergency room and hospital feesAmbulance services and air evacuationDoctor visitsPrescriptionsRadiology and lab workMedical equipment rentalsDental servicesTransportation of vehicle to primary residence for travellers unable to safely drive homeTransportation of loved ones to your bedside, including meals and accommodation The good news is that many emergency travel insurance policies cover these costs and more. As an additional bonus, plans for travel within Canada are often more affordably priced than those for travel abroad, forgoing medical questionnaires, even for individuals over 60…

Travel Demands Determination—Don’t Give Up

Though the Canadian government continues to warn against all international travel because of ongoing COVID-19 prevalence, the US State Department has begun easing its warnings for most countries down to Level 3 (Reconsider travel) from the highest Level 4 (Do not travel). Canada is now listed in the Level 3 range even though the border with the US remains shut to non-essential travel. Still on the US “Do Not Travel” list are such major destinations as Mexico, Russia, China, Brazil, India, Egypt, and several countries in the Middle East, Africa, and Asia. However, despite the warning level easing for outbound travel, there are still some European countries that do not allow Americans entry for leisure purposes, or that at least demand certain health checks or other clearance conditions. Canadians, however, are welcome in more countries—even though your government would prefer you to stay home. How do you plan ahead? So…

MSH Americas and StudyInsured™ are proud to announce the launch of the International Student Wellness Hub

Our mission at MSH Americas will always be the same: to respond to the needs of today’s globally-mobile individuals and organizations with innovated products and industry leading duty of care solutions. Since 1946, we have been protecting international students and supporting schools to improve the study aboard experience in Canada and around the world. Being able to anticipate the changing landscape of the international education industry and responding to the needs of students and schools is what sets StudyInsured™ apart from the competition. To continue this legacy, we are proud to bring the International Student Wellness Hub to our students, schools, and partners here at home and around the world. The Hub is the ultimate resources for international students and schools, to find useful and practical information during this uncertain time due to COVID-19. The Hub includes information on: 1. Mental Health Tip Sheets for students: Information and tips for your mental health, and…

Canadian Travel Insurers Prepared to Offer COVID Coverage

Media announcements that major insurers are prepared to start covering COVID-related medical emergencies for Canadian out-of-country travelers will clearly put pressure on the federal government to ease its restrictions on international travel. At present, Travel Canada maintains its “Avoid all non-essential “ warning for all foreign travel, even though European nations have opened up their borders to several countries—among them Canada—which they consider has adequately controlled the spread of COVID. The advisory warns that if travelers choose to defy the advisory “your insurance may not cover your travel or medical expenses.” That of course, is a decision to be made by individual insurers not by government, and Manulife, Allianz and TUGO, Canada’s largest travel insurers have confirmed that as soon as the feds drop their advisory, they are prepared to offer COVID cover in most of their policies, under the existing limitations in their policies. And Medipac International, the designated…

Is Florida In Your Sights This Winter? A Ground Level Report.

As the Canadian/US border shutdown moves towards autumn, snowbirds and short- term winter vacationers are being left with little time to plan their next moves or commit to travel plans that many have considered their God-given right during inconsiderate winter weather. Though many Caribbean countries and Mexico have sent a hearty welcome to their northern neighbours, (see our previous article on this issue) there are some caveats that go with the invitation—masks, distancing, virus test verifications, stripped-down luxuries, even beach and surf patrols to ensure proper behaviour. Not great, but perhaps tolerable considering the alternative. Florida at ground level. Despite these offerings by other warm weather destinations, Florida remains Canada’s pre-eminent winter vacation destination, and given the recent reports of COVID surges throughout the state, many of them somewhat overblown, let’s take a ground level look everyday life in the Sunshine State today and what Canadians might expect to see…

Battling COVID-19 Episode 8: Staying The Course by Dr. Michael Szabo

Summer is officially in full gear now. Isn’t it great? Warm weather is here! Backyard barbeques, long walks outside, swimming and picnics. But we all know it isn’t completely like old times, there’s still a little something different, right? COVID-19, the pesky little virus we’ve come to know all too well, is still around. In Canada, we’ve done very well to minimize the spread of this virus. The majority of us have done an excellent job at following the public health guidelines to physically distance, wash our hands, avoid others if we are unwell and to wear a mask when appropriate. We look to our neighbours in the south and can see what occurs when the guidelines aren’t followed, and we don’t want that to happen to us. However, it’s tough to believe that we need to be vigilant when most of us don’t know people who are getting infected and we hear…

EU Welcomes “Safe” Canadian Travellers. But Are You Ready?

Now that Canadians have earned a spot on the European Union’s safe travellers list, does that mean you are free and clear to book summer vacations or family visits wherever you like throughout the EU? The short answer is Maybe, and there are many contingencies to consider before you set your sights on spending part of the summer in Britain, France, Germany, Finland, Italy or any of the other EU member countries. The UK, for example has taken the biggest step forward in welcoming foreign visitors by dropping the 14-day quarantine requirement for those from “safe” countries (US is not included) as well for returning Brits. Ironically, the biggest problem for Canadians planning overseas travel is not their destination country, but Ottawa, which requires (as of this date) that Canadians returning from abroad may still be subject to 14-day self-quarantines. Sort of “Welcome Home. But…” Specifically, Travel Canada warns: “While…

Travelling within Canada: Your Out-of-Province Health Coverage

If you get sick while travelling within Canada, it’s generally pretty easy to receive immediate medical attention without having to foot the bill. The reason is that all of the provinces and territories, except Quebec, signed an Interprovincial Billing Agreement under which the host province agrees to cover the cost of any medically necessary service provided and subsequently bill the home province for reimbursement. That being said, there are certain differences to your coverage when you travel outside of your home province. Understanding these differences can help you avoid having to pay unnecessary expenses. What is and isn’t covered out of province? In accordance with the Canada Health Act, medically necessary health care services are typically covered when travelling within Canada. In other words, if you become ill or have an accident in another province, your hospital and physician services will likely be covered. However, additional services, such as an…

Be Cautious of “Opening Day” Specials at Caribbean Resorts

Though vacation resorts throughout the Caribbean and Mexico are promoting re-opening dates throughout July and August. Canadians need to be careful about committing to firm reservations and deposits. You may be in for a culture shock. Let’s take Jamaica as an example because its tourism ministry has provided a detailed protocol (in 120 pages) that all hotels and resorts must follow in protecting their international visitors and their own citizens from the effects of COVID-19. It is expected to guide other Caribbean nations as they open up, which many have already done or will do in the next few weeks. Before you even board your flight to Norman Manley International Airport in Kingston or Sangster International in Montego Bay, you’ll need to have some form of certification that you have tested negative for COVID. If not, expect be swab-tested on arrival, and to undergo a temperature check. Then when you…

Happy Birthday, Canada! How Old Are You Now?

You might hear people say that Canada is turning 153 years old this year. What this really means is that we’re celebrating the 153rd anniversary of the Constitution Act of 1867, which established Canada as a country. In actuality, this place is a whole lot older than 150 years! Long before European settlers showed up, this land was inhabited by Canada’s First Nations. In fact, they’ve been living in the place we now call Canada for at least 12,000 years. (Learn more about the first peoples of Canada.) Of course, having lived here for such a long time, our various First Nations groups have their own unique explanations as to how our country came to be. Read some of those creation stories here—and find out why some know North America better as “Turtle Island.” For the key events in Canadian history since Europeans came to our shores, see this summary…