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Canada’s Dual Citizens: Many “Pros,” But a Few Cautions

As Canada becomes more culturally diversified (almost one million Canadian citizens are also citizens of other countries), international travel requires increasing care and attention to detail. For example, in 2016, the Canadian government imposed a rule requiring all Canadian citizens who were also citizens of other countries to have Canadian passports when entering by air. (Canadian/US “duals” were exempted). The rule ruffled a few feathers, particularly among Canadians who had been living abroad for many years and had to scurry about trying to get passports just so they could visit family and friends “back home.” In addition, Canada is one of the most welcoming nations for citizens of other countries who wish to be permanent residents—which means, if they are successful in obtaining PR status, they have virtually all of the rights and responsibilities of citizens, except the right to vote, or run for elected office. But they are also…

Partner with Your Doctor when Applying for Travel Insurance

Among the most frequent stories I hear from Canadians who have had their travel insurance claim denied are: “My doctor never told me I had a heart murmur” or “he didn’t say that heart pill was for atrial fibrillation” or “my CT scan didn’t show anything abnormal”—so why would they have reported any of this on their application? Why? Because it’s up to you to know what’s in your medical record when filling out an insurance application—and if your claim is denied for non-disclosure or because you had a pre-existing condition that wasn’t “stable,” you are the one who will have to pay the bill. And no matter how strongly your family doctor protests your denial in a letter after the fact, you are still responsible for providing accurate and up-to-date information to the insurer. The decision to pay your claim or deny it will be made on the basis…

Know Who Pays When Your Flight Doesn’t Go Up

This past summer, two of the UK’s biggest airlines stranded hundreds of thousands of travellers in distant locations by cancelling flights at the last minute and invalidating reservations for future flights already planned: Ryanair because of pilot scheduling problems, and Monarch Airlines because it suddenly went out of business—virtually overnight. What about all of those passengers left stranded overseas? Thanks to some quick action by Britain’s Civil Aviation Authority, and a special consumer protection program in which most vacationers book their trips with specially licensed and bonded travel organizers, most were returned home relatively quickly on aircraft chartered by the CAA at no cost to themselves. But at first glance it was not quite so clear as angered passengers were told by airline staff to call their travel insurers for assistance home and recompense for the costs of making and paying for alternate arrangements. At which point the Association of…

Travel Insurance Claim Denial? Demand Answers

If you’ve ever had a travel insurance claim denied, you know how frustrating it can be to get an answer in plain language that tells you why an insurer won’t pay. First of all, let’s get one fable taken care of: Insurers do not routinely deny claims and pay only those for clients who fight back. 95 percent of all travel insurance claims submitted are paid. But if you are among the unfortunate few to receive a claim denial letter and you don’t understand why, you should ask for clarity.  It’s your right. What to do Get right back to the insurer, or the party that sent you the denial letter (it could be the insurer’s assistance company), and ask for a detailed, written report that you can study at your leisure, or take to your doctor. Ask to have key words—such as “pre-existing condition,” “stable,” “condition,” “exclusion,” “eligibility,”…

Do Travel Insurers Cover Pre-existing Conditions?

Given that most people have some health imperfections, it would be unreasonable—and bad business—if travel insurers precluded all pre-existing conditions from coverage. High blood pressure, high cholesterol, irregular heartbeat, circulatory issues, and many other symptoms and conditions that can be controlled and stabilized by medications and periodic physician assessments. These types of things are routinely covered in travel insurance policies—if the insurers are made aware of them before issuing the policy, and if the insured customers understand the limitations placed on that benefit and coverage. In covering pre-existing conditions, the most important thing insurers need to know is whether or not they are stable, how long have they been stable and what medications and treatments they have required to keep them stable. Essentially, what risk are insurers undertaking in covering them? This leads to the biggest question of all: what is “Stable,” anyway? Many Canadians, before leaving on longer trips,…

Questions about Studying Abroad? We’re Here to Help

International students! Studying abroad is a great adventure—but heading far away from home can also be intimidating. Before you take an exciting leap, read our recommendations to prepare. Also, if you have questions about studying abroad, we are here to help. International Student Blog Prepare yourself for an adventure overseas. Our blog contains everything from practical travel tips to inspiration for your next adventure. Start with these tips for international students heading into a new school year, then browse the rest of our articles. Intrepid 24/7 The phone number located on your insurance wallet card connects you to a team of coordinators that are ready to answer questions about the insurance you carry. If you are sick or injured and need to see a doctor, this team will arrange the care you need. They can help in every situation—any time of the day or night. This includes a…

Insurance and Consumer Resources: Why Ingle Believes in the Power of Content

The Travel Health Insurance Association of Canada has released a “Bill of Rights” for consumers of travel insurance. This document essentially outlines the basics of what consumers can expect from travel insurers, as well as their own responsibilities when they apply for coverage. This is the kind of clear content we believe consumers of travel insurance need to have. And that’s why we’ve been dedicated to producing such content from the very beginning. Here at Ingle, we strongly believe in the importance of consumer education—and that starts with providing clear, accessible information. We strive to be open and authentic, to empower consumers to ask questions about the insurance products they buy. We want consumers to understand their coverage, to know their own responsibilities when it comes to purchasing insurance, and to know what they have a right to expect back from their insurer. That’s why Ingle has a dedicated content…

Spending the Summer in Canada? Get Moving with These Activities

Canada is a beautiful, vast country with a wealth of natural wonders—and an abundance of fun activities through which to discover them. And, contrary to the stereotypical image of Canadians constantly being buried in 10 feet of snow, summer in Canada is a great time to get outdoors and enjoy the sun! If this is the first summer you will be passing in Canada—or even if you’ve just got some well-earned vacation time to spend inside our country’s borders—here are some of the best ways to take advantage of the summer weather, Canadian-style. Camping With so many scenic forests and sprawling national parks stretching across the country, camping is one of the quintessential ways to enjoy a Canadian summer. Grab a tent and some sleeping bags, locate your ideal campsite, and get your journey started! Best of all, spending your days directly in nature will put you in easy…

We the North: Exploring Canada’s National Parks

Akami-Uapishku-KakKasuak-Mealy Mountains, Aulavik, Auyuittuq, Banff, Bruce Peninsula, Cape Breton Highlands, Elk Island, Forillon, Fundy, Georgian Bay Islands, Glacier, Grasslands, Gros Morne, Gulf Islands, Gwaii Haanas , Ivvavik, Jasper, Kejimkujik, Kluane, Kootenay, Kouchibouguac, La Mauricie, Mingan Archiepelago, Mount Revelstoke, Nááts’ihch’oh, Nahanni, Pacific Rim, Point Pelee, Prince Albert, Prince Edward Island, Pukaskwa, Qausuittuq, Quttinirpaaq, Riding Mountain, Rouge, Sable Island, Sirmilik, Terra Nova, Thousand Islands, Torngat Mountains, Tuktat Nogait, Ukkusiksalik, Vuntut, Wapusk, Waterton Lakes, Wood Buffalo, and Yoho. Phew. What a list. That totals 46 National Parks across Canada. (You can find out more about each park here.) For over 100 years, these natural spaces have been federally protected for environmental conservation and public enjoyment. And in honour of Canada 150, you have unrestricted access until the end of the year. Order your free Canada Discovery Park Pass today. This also includes boat and canal travel in National Marine Conservation Areas like Fathom…

Studying in Canada? Everything You Need to Know About Your Medical Coverage!

As you prepare to go back to school, watch this video to get comfortable with your insurance coverage. Let Ingle International guide you through a day in the life of insurance. Subtitled videos in multiple languages are also available further below. In these videos you will find: A break-down of your insurance package An introduction to the multilingual team that is looking after you Information on how to identify the level of your medical need (emergency room versus walk-in clinic) An overview of your toolbox, which includes, but is not limited to your website, Intrepid 24/7, the find a doctor tool and how to submit a claim. And more! Hot tip: Be a smart consumer, always read your policy wording. Watch this video with English, French, Spanish, Chinese or Vietnamese subtitles. For tips on how to prepare for the changing travel seasons, read articles here.

It Is Necessary to Protect your Visitors While They Are in Canada

If you’re expecting friends or family to be visiting you in Canada this summer, one of your top priorities should be to ensure they have appropriate travel insurance to cover them for any accident or illness they may encounter while in the country—and that means from the time they set foot on Canadian soil. Most Canadian travel insurance companies that cover you when you journey abroad or to the US have Visitor to Canada policies that can protect your visitors, but you need to understand how to assist them in applying for and choosing the policy that best meets their individual needs. The first thing they need to understand is that buying a plan before they exit their country is essential if they want to be covered from the moment they arrive in Canada.  If they purchase a policy after they arrive, there will be waiting period—usually 48 hours—before their…

Buying Travel Insurance Online? No Time for Haste

Misunderstanding or minimizing the content of travel insurance policies is one of the most frequent causes of claim denials—more so since online applications are gradually eliminating the advisory role of trained sales agents. Quick and easy online applications that can be completed in 5-10 minutes may fit conveniently into our busy schedules, but if they encourage carelessness or lack of attention, they can invite catastrophic consequences. Let’s look at the case reported recently in the British newspaper The Telegraph—of an English family that took a leisure trip to Berlin and on the way home found that their return flight had been cancelled for the day. Because the husband and son had urgent reasons to return to London, they took alternate and circuitous flights to get home as quickly as possible, encountering several hundred GBP in additional airfares. Bought in haste? That’s trouble The husband told the newspaper reporter that…

Your Guide to Travel Awareness

During the terrorist attack on London UK, casualties and injuries resulted in 4 dead and 40 injured. Though residents and travellers appear more rattled than days prior, London Mayor Sadiq Khan resolves, “Londoners will never be cowed by terrorism.” In that breath, it is important to continue travelling and review terrorism preparedness procedures. Over 70 years, Ingle International has developed a wealth of resources about specific events of terror, as well as risk response best practices. Take advantage of these hand-picked articles below, and keep travelling. Common Sense Tourism Protection Lessons From Orlando, Stay Vigilant Terrorism is Changing the Face and Price of Travel Europe Tightens Border Rules, Prepare but Still Enjoy Trip Cancellation Interruption Insurance in Times of Terror How to Respond to Active Shooter Situations A Helpful Guide to Plan for Travel Emergencies Have a look at our travel insurance options.

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…

Product Spotlight: HCC Student Secure

Ingle International has a special place in its heart for international students. Foreign exchange programs are the foundation that the Ingle name is built on! That is why our 19th travel insurance spotlight is shining on the HCC Student Secure plan. The HCC Student Secure plan covers international students and scholars worldwide, regardless of your home country or destination. As a plan purchaser, you can expect coverage for physician and hospital visits, up to 80% coverage for prescriptions, and $50 towards paramedical visits such as a chiropractor and physiotherapist. Key features include: Daily rates as low as $1.45 Ambulance by ground or air from $300, up to $50, 000 Up to 80% coverage for mental health disorders Coverage for acute onset of pre-existing conditions (speak with your student insurance representative or check policy documents for an understanding on waiting periods and limitations) Browse more features Are you or your…

How to Stay Safe in Airports

The lethal shooting at Fort Lauderdale-Hollywood International Airport on January 6, was as horrific as it was unpredictable: innocent people, thinking only of their vacations and a break from frigid weather at home. Instead, 5 shot dead, 6 others seriously wounded. Could this have been you? It’s not a question you should ponder too long. You can’t live your life afraid of all the things that could happen to you. And don’t delude yourself that Fort Lauderdale airport is a particularly “soft” target as US airports go. It is the 21st busiest airport in the US (just one spot behind LaGuardia), it boards over 13 million passengers per year, its security procedures are as tight as any in the country, and its 4 terminals and adjacent parking pavilions require maps to navigate. But its safety record remains admirable. With the help of professional safety and security advisories we can suggest…

Product Spotlight! The IMG Patriot Group Plan

Are you planning a resort wedding, or a family reunion far from home? The IMG Patriot Group Plan might be right for you. The IMG Patriot Group Plan is available to groups of 5 and up who are temporarily travelling outside of their home country. This plan sticks out from other group plans because travellers can come depart from different places and arrive different times, as long as their destination point is the same. It provides coverage for medical expenses, evacuation, and repatriation, as well as non-medical benefits including trip cancellation, baggage, and accidental death. This plan offers a wide range of options for the deductible and for the overall maximum amount of coverage, up to $2,000,000 (USD). Some other key features of the plan include: Pre-existing medical condition coverage (join your loved ones without hesitation) Basic sports coverage or optional rider available for adventure sports (it is time to…

Four Things to Know about Walking the Camino de Santiago in Spain

The Camino de Santiago is one of the most important Christian pilgrimages of medieval times. Legend has it that the bones of St. James, Jesus’s first disciple, are buried at the site of what is now the city of Santiago de Compostela. Today, pilgrims of all faiths come from around the world to walk The Way for religious, spiritual, health, or personal reasons. If you’re contemplating taking on this challenging pilgrimage here are a few things to keep in mind before you go. 1. Earning a compostela  Every pilgrim will carry a passport, or credencial—a document that identifies them as a pilgrim. If you plan to start your walk in the popular launching-off city of St-Jean-Pied-de-Port you will be given a passport when you register as a pilgrim at the pilgrim’s office. Otherwise, you can obtain a passport at almost any church or albergue (pilgrim’s hostel) in Spain. Each…

4 Home Security Tips for Holiday Travellers

You have enough to worry about over the holidays that you should not have to worry about leaving your home while you travel for vacation or a visit with friends and family. Yet, each year, homes fall prey to intruders who wait for homeowners to go away for the holidays. If you will be travelling over the holidays this year, give yourself some peace of mind. Our home security tips will help you protect your home and alleviate some of the stress associated with holiday travelling. 1. Give the Appearance That You Are Home Even though you’ve probably seen Home Alone, not all thieves plan or organize their home invasions that thoroughly. In most cases, intruders drive into a dark neighbourhood and look for homes that appear empty or unprotected. To prevent thieves from thinking your home is vulnerable, you need to give the appearance that you are home.…

8 Myths about the Full-Time Travel Lifestyle

When I sold everything to travel, I couldn’t imagine a time when I’d say I’ve been on the road for 10 years. But here we are, 10 years later. I’ve travelled through and/or lived in over 50 countries in that time. And I’ve learned a lot about what “full-time travel” really means. Here are eight myths about the full-time travel lifestyle that I’ve learned along the way (often the hard way!). Myth: Full-Time Travel Is an Extended Vacation Full-time travel is a lifestyle rather than a trip or vacation. When travelling full-time, there’s no “regular life” or “home” to return to, like there is if you are travelling for a limited time. This creates a different mindset around foundational ideas like what home is, and ultimately, how to create that sense of home abroad. Myth: Full-Time Travel Is for Rich People Most full-time travellers work in some way…

Spotlight City: Dublin, Ireland

Dublin is the capital and largest city in Ireland with over 1.2 million residents. The city is characterised as a centre for national education, culture, industry, and economy in the country. Around seven million tourists visit Ireland each year, and the number is growing especially after it was ranked as one of the top cities to visit in 2016. The tourism sector is an important and well-developed industry in Dublin, and providing a safe and memorable visit for tourists is one of its top priorities. Before departing for a trip to Dublin, be sure to understand the security situation to have a safe and enjoyable time. Threats and Risks to travellers in Dublin:  Dublin is generally a safe city, and it is a progressive and accepting society. Millions of visits are made each year, and almost all are trouble free. Violent crime is rare; however organised crime and gang…

The Best Canadian Winter Adventures According to Travel Bloggers

Nobody does winter like Canadians. When it’s twenty below and school has been cancelled for snow, most people put a kettle on the stove, turn up the thermostat, and curl up in a blanket. Canadians, on the other hand, bundle up the kids, pull on a toque, and head for the sledding hill. Yes, Canadians have made an art of enjoying the cold. (How else could you explain our passion for curling?)  But even we forget how many awesome winter activities we’ve developed over the years. To help remind us of all the rad things there are to do this winter, I asked 12 travel bloggers to share their favourite Canadian winter adventures. Here’s what they told me. Take a Snow Bath at the Quebec Winter Carnival Quebec City’s Winter Carnival is a 62-year-old tradition that brings the city to life during some of the coldest weeks of winter.…

Travel Fatigue and How to Avoid It

I’ve been proverbially homeless for 10 years, travelling through and living in over 50 countries. Over the years, I’ve experimented with many different styles—and paces—of travel. In 2010, embracing a “backpacker” moniker, I breezed through a dizzying number of countries. In that entire year, the longest I spent in one place was three weeks; on average I “moved house” every five nights. After this fevered travel pace, I spent the first six months of 2011 in a near-comatose state of recovery. Something wasn’t right. I couldn’t quite define what was wrong, but I had an unsettled feeling. I was fundamentally tired, like I hadn’t slept well in months. On reflection, this was true; too many late nights, early mornings, unfamiliar beds, and communal living quarters had taken a toll. I was dizzyingly confused; the whirlwind of travel in the previous year left me feeling like the world was spinning around…

4 Reasons Your Insurance Claim Might Be Denied

When you buy travel insurance, the hope is that you are purchasing some peace of mind for your trip. However, every once in a while, a high-profile case hits the news about a claim that was denied, leaving the claimants with huge medical bills. This understandably has some travellers concerned about how much they can actually rely on their insurance policy. The good news is: as long as you fully understand the workings of your insurance policy, there’s no need to fear an unexpected surprise from your insurer. To help you gain that confidence, let us explain the four main reasons why someone’s insurance claim might be denied. Why could my claim be denied?  1. Because your claim was related to a pre-existing condition. This is a term one hears often when it comes to travel medical insurance, and there can be some confusion around what it really means.…

Travel to Canada Surges, So Does the Need for Medical Protection

Canada remains an increasingly attractive country to visit. Recent data from Statistics Canada verifies that in the first 8 months of 2016, the number of visitors from Europe, Asia Pacific, Central and South America, and to a lesser degree the United States ( due to a poorly performing loonie) have been breaking records. According to Statistics Canada’s August 2016 Tourism Snapshot: Canada welcomed 12.4 million overnight visits from international travelers from its 11 most popular overseas destinations in the first 8 months of 2016. That is up 10.4 percent over the comparable period in 2015—14.4 percent if travel from the US is discounted. And where are all of these visitors coming from? China is comes in first with 428,000 visitors, followed by Europe’s 3 main markets (UK, France, Germany), Japan, South Korea, Australia, India and increasingly from South America as well. Analysis of the numbers indicate that many come to…

Zika Warnings for Canadians Travelling South, Winter 2017

It’s the time of year that Canadians start planning their winter vacations in warmer climates. But this year, due to the massive spread of the mosquito-borne Zika virus throughout the Western Hemisphere (except for Canada), planning a vacation should involve some additional research. Warnings to avoid travel to  Zika affected countries or regions are primarily directed towards women who are pregnant, anticipating become pregnant, and their partners (see the US government’s Centers for Disease Control and Prevention (CDC) advisory at the end of this article). For others, Zika is not a serious threat: 80 percent of people infected with the virus suffer no symptoms, and those who do may notice only mild fever, rash, fatigue, lasting a few days—not usually requiring medical care beyond the use of aspirin of acetaminophen. Where is Zika active according to CDC current reporting? This does not include areas where residents have contracted the…

Spotlight City: Cairo, Egypt

Cairo is a bustling and culturally rich city that attracts millions of foreign travellers each year, and the majority of visits are trouble-free. However, in recent years, large-scale demonstrations, civil unrest, and security threats have battered the tourism sector. Before embarking on a holiday or routine business trip to Cairo, there are a few crucial factors you should keep in mind. Understand the threats and risks to travellers in Cairo, even if the occurrences are unlikely Being prepared and understanding the security situation should give you more confidence than fear. It is commonplace throughout Cairo to go through metal detectors and have bags searched before entering some sites, which may cause delays. The crime rate is moderate, although the risk of violent crime is low due to the high police presence. Tourists tend to be the most susceptible target for petty theft, so be sure to take precautions. You…

A Zen Guide to Heartbreak while Travelling

A heart-wrenching breakup is agonizing under any circumstances. But doing it while travelling adds a whole new set of complications. I’ve had a few cracks at breaking up while travelling. The first was three years into my full-time travel lifestyle; my boyfriend and I had been together for a year when we sold everything to travel. I learned some key lessons about travelling with a partner during our three years on the road: Travelling accelerates the natural progression of a relationship. Travel’s inherent stressors create interpersonal tension. It’s imperative to claim your space, since you’re together 24/7. You might stay together longer than you should. This last point was the most difficult for me: our relationship was over long before we broke up. But we were in Australia, my boyfriend had run out of money, and he was working to replenish it. I couldn’t just leave him on the other…

Take the Stress Out of Packing

The number one thing I realized, after years of stressing out and over-packing, was that I really didn’t need as much as I thought I did. I didn’t need to bring my favourite outfits along with all their matching accessories. I was going on a vacation, not a photo shoot.  Who cares if I am wearing the same thing in every photo? It’s not about what I am wearing. It is about where I am. The experience. The scenery. The people. My packing epiphany came to me as I stood in Pearson International Airport in Toronto, Canada, and watched in horror as my suitcase came down the conveyor belt. Actually, I saw my clothes first, as they tumbled out of my busted, exposed, and overstuffed suitcase. Twelve hours earlier, sweaty and tearful, I had been sitting collapsed on top of my suitcase. I’d finally managed to close it when I…

Riding Alone across the Continent: Therapy on Horseback

On July 8, 2012, when I jumped into the saddle to ride horseback from Canada to Brazil, I had no idea the journey of solitude I was about to undertake. There were times during the 803 days I spent on the road when family and friends met me, but for the majority of the trip, it was just my horses and me. Some nights I met generous people who kindly hosted me in their homes, while other nights were spent camping in the wilderness. But every day, while I rode, I spent eight to ten hours alone. Without saying a word. Or hearing one. Some days my voice hardly came out in the afternoon. And on some stretches I went days without seeing or conversing with another human being. Being left alone with your thoughts for such long periods of time, away from your family and loved ones, is not…

How to “Vet” Your Travel Insurance Policy

Critics of travel insurance often argue that claim denials are too frequent, unfair to the customer, and might be avoided if issuers vetted policy applications at the time of distribution instead of when a claim is made. The rationale for that argument is that applicants could then be certain that their policy would pay off in case of medical emergency abroad. Sounds reasonable, as a principle—except that it’s impractical given the millions of policies issued to Canadian travelers each year. At present, most policies are issued on the understanding that customers provide complete and accurate information about their medical histories when applying for insurance. Some are asked a few questions about recent treatment interventions, medication use, or hospitalizations; others, usually elderly travelers, are required to complete detailed medical questionnaires designed to give underwriters a more precise assessment of their health status. And there are other policies—usually attached to credit cards—that…

Travelling with Pets on a Plane

In our last post on this topic, we shared some tips for travelling long distances with your pets in the car. But what about when you’re making the trip by air? Flying with your pets is, of course, a quicker solution than taking the car, but you also have less control over the situation from start to finish. If you’re trying to decide between flying or driving, try to weigh the overall stress it will place on your pet. Is yours the kind of pet who would easily sleep through a few hours in a cargo hold? Or would they rather stick close to you, but be stuck in a car for a longer period? If you and your pet are going airborne, here are a few things to note. You’ll need to get in touch with the airline well in advance, as your booking won’t be as flexible as usual.…

Outside of Your Comfort Zone and into a Camry 

I never thought I’d be the type of traveller that would get in a car with a stranger. Paranoia and mistrust of most things is a pretty prevalent character trait in my family. Yet for some unknown reason, I stepped out of my comfort zone and into a 1996 red Camry, watching certainty disappear into the rolling hills of Tuscany. What does it mean to travel outside of your comfort zone? For some people it could mean not booking their hotels ahead of time, eating something that doesn’t look edible, or even just getting on a plane to begin with. How do we know where our line of comfort begins and where it ends—or whether we even need to have one? My friend and I were starving. We had just arrived to this strange resort 20 kilometres outside of Florence and none of the on-site restaurants were open. We struck…

Product Spotlight! Sporting Coverage with TuGo

Are you travelling abroad for a sporting adventure? You will need to make sure you have travel insurance to match—as your average plan often does not include coverage for injuries sustained while taking part in sports. Luckily, we have TuGo’s Traveller Emergency Medical plan on hand, which automatically includes coverage for most amateur and professional sports. Here’s a quick rundown of some of the plan’s highlights: In addition to coverage for amateur sports, for those who like push the envelope, you have the choice of add-ons for contact sports, adventure sports, and extreme sports. In other words, you can tailor the plan to fit just the types of adventures you like to have. The plan includes emergency transport: either air ambulance or economy airfare back to your home province or territory. Some common sports injuries (like a broken leg) can make travelling difficult, and an air ambulance back to your home…

What Did We Learn From Hurricane Matthew?

The passage of Hurricane Matthew up the East Coast of Florida, Georgia, and the Carolinas last week provides a perfect example of what to do, and what not to do, prior to the onset of a potentially lethal storm. I say ’prior to’ because once it arrives there’s not a lot your can do but keep your head down and stay sheltered.  And once it passes all you can do is fix what has been broken and try to remember what to do next time. In South Florida, from Palm Beach County to the Keys, Matthew passed by closely—the eye only about 60 miles out from shore—but left residents relatively unscathed, as it did the West Coast and inland areas south of Orlando. But Central Florida’s East Coast, from St. Lucie up through St. Augustine and north through Georgia and the Carolinas was a different and devastating story that the…

What Is “Home” to a Lifestyle Traveller?

Lily and I had a great chat during our podcast recording. Despite our lifestyle differences, I think we found a lot of common ground with regards to the way we think, feel, and approach our lives. One of the lessons I’ve learned through my 10 years of travelling and living around the world is that, for the most part, we’re all programmed similarly. It may not appear so at first glance, but I’ll use the idea of “home” as an example. I am “The Professional Hobo”; by definition, I’m homeless. But ask any lifestyle traveller, and even though they may staunchly defend their homeless moniker, talk to them long enough and you may hear the word “home” creep into the conversation. “Home” could be the place you grew up, or where your parents live. Many lifestyle travellers also love to say “home is where I lay my head for the…