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COVID-19: STAY SAFE WITH THE FACTS

from the MSH Americas Medical Team WHAT IS COVID-19? COVID-19 is a strain of coronavirus that has not been previously identified in humans. CORONAVIRUSES are a family of viruses causing illness ranging from the common cold to more serious diseases such as Middle East Respiratory Synrdome (MERS-CoV), Severe Acute Respiratory Syndrome (SARS-CoV), and COVID-19 (2019-nCoV). Coronaviruses are transmitted between animals and humans. SARS was first transmitted to humans from civet cats; MERS was transmitted to humans by dromedary camels. WHAT ARE THE SYMPTOMS? Common symptoms are: Fever over 38°CCoughShortness of breath / difficulty breathing In more severe cases, infection can cause pneumonia, kidney failure, and even death. HOW IS IT SPREAD? COVID-19 is transmitted from person to person by respiratory droplets from coughing or sneezing. These droplets can be inhaled if you are in close contact with an infected person. Touching objects or surfaces with respiratory droplets on them and…

Top US Spring Break Destinations for 2020

Whatever the reason for your getaway– tired of the cold, need some family time, or just plain burnt out– here are some tips to help you get the most out of your travels during this upcoming spring break. First up, some places to consider for both relaxation and excitement in the continental USA. 3 places to spend a week off in America: MIAMI, FLORIDA It’s called the Sunshine State for a reason, so be sure to wear lots of sunscreen and drink plenty of water. The Metromover train is a convenient (and free!) way to get around downtown Miami. If you can’t do without your dose of yoga while on vacay, free classes are offered across the city. View local graffiti and street art at Wynwood Walls or take in one of the live music shows at Bayside Marketplace. A trip to Miami isn’t complete without a visit to Miami…

Coronavirus Impacts Travel Insurance Coverage: Stay Protected

With commercial airline traffic to and from China virtually shut down, and with little prospect that control of the coronavirus is imminent, travellers need to do a quick study of what travel insurance can or cannot do in protecting them from unexpected costs of emergency medical care, trip cancellations, disruptions, re-routings or possibly even temporary isolation far from home. To help with that study, we have asked Matt Davies, Senior Product Specialist with MSH International to help us navigate through the finer points of travel insurance benefits and limitations as they are provided to Canadian travellers planning visits to countries impacted by the coronavirus epidemic. One important point to emphasize is that these guidelines or limitations are largely dependent on government assessments of health or other risks in foreign countries and are not just arbitrary rulings set out by insurers. The before or after rule Generally, if you purchase insurance for…

Winter getaway? March Break? A product designed for travelling Canadians!

Travelling outside of your home province? You’ll need travel insurance! Our Canuck Voyage plan is an outbound travel medical insurance plan designed to serve Canadians travelling abroad or outside of their home province within Canada. Canadians, or those with provincial or territorial health coverage, can expect coverage for single trips up to 365 days or multi-trip annual plans up to 100 days per trip. The plan boasts inclusive eligibility criteria, ample options for trip duration and age, as well as competitive pre-existing medical condition coverage that bridges the gap between conventional travel medical policies and snowbird plans. Consumer-friendly or what? Top features of Canuck Voyage include: Inclusivity: Applicants of all ages are eligible for companion discounts when purchasing coverage for two people at a time and a family discount is available for spouses up to age 59 and children age 21 and younger. Pre-existing medical condition coverage: automatic coverage without…

Canadians Are Accustomed to “Free Trade” in Travel

With the US/Mexico/Canada (USMCA) free trade agreement settled, now might be a good time to reassess the non-political dynamics that keep our countries emotionally as well as economically linked through travel. In 2018, Canadians made more than 33 million trips of a least one overnight stay to the US: more than 2 per cent higher than the previous year. That’s getting very close to averaging one trip for every person living in Canada, and almost 25 million of those trips were for leisure purposes—tourism, visits with family, shopping, sunning, beaching, golf, watching sports events, you name it. That’s as close to being “free trade” in travel as you can get. And according to the Conference Board of Canada, there seems to be only one variable influencing that trend: the relative value of the Canadian dollar. But as Canada’s tough, resilient snowbirds have proven over the years, even a droopy loonie…

As of Jan. 1, changes to OHIP’s out-of-country health insurance are now in effect

We’ve been warning you since mid-summer that Ontario would be cutting its share of health costs for out-of-country travel to zero. At first, the cutoff date was set for October 1, 2019, then it was moved to January 1, 2020. And that’s where it stands. As of New Year’s Day, the Ontario Health Insurance Plan will no longer cover any part of your out-of-country emergency medical costs. This is the first province in Canada to arbitrarily carve that particular benefit out of the Canada Heath Act, purportedly saving $2.9 million to administer some $9 million in emergency health fees paid to foreign hospitals and doctors. Will other provinces follow Ontario’s lead? Who knows? We’ll tell you if it happens. Though OHIP traditionally paid only about 5 per cent of actual charges billed by foreign hospitals and doctors (the rest being paid by Canada’s private travel insurers, or by the patients…

Travel Remains Robust, But Stay on Your Guard

OK. So you don’t need a calendar to tell you it’s time to head south. Well, if that’s what you’re planning—be assured that you’re going have plenty of company if 2019 travel patterns to date are any guide. Though some of Canada’s TV networks were questioning the dearth of snowbird migrations just a few months ago, the truth is that southbound leisure travel—by all age groups, including snowbirds—is healthy and growing. According to the Conference Board of Canada (CBoC), which tracks inbound and outbound migrations using data from Statistics Canada and its own predictive models, during the first eight months of 2019 Canadians made 14.2 million overnight trips to the US (that means at least one overnight stay—but doesn’t count day trips), 2 per cent more than the comparable period of 2018. And though auto trips during that period declined by an estimated 1 per cent, travel by other modes…

Hurricane Season is Here. Stay Alert

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

Stay Alert: Flesh-Eating Disease Expands through Warming Beach Waters

With the summer vacation season in full swing, news reports of bacterial disease in the warming waters of Florida’s Gulf of Mexico up to the east coast of Chesapeake Bay are becoming too frequent to ignore. We’ll note right off the top: this has nothing to do with the infamous red or green tides that have blemished Florida’s western shores the past couple of years. The disease—necrotizing fasciitis, also known as “flesh-eating disease”—has been claiming increasing  numbers in these areas, and Florida’s Department of Health and the US Centers for Disease Control and Prevention (CDC) have issued advisories warning of risks primarily to the elderly with compromised immune conditions, chronic kidney disease, or cancer; people of any age with cuts, scrapes, burns, insect bites, skin punctures or surgical wounds; and—most sadly—perfectly healthy kids with scraped or bruised toes or knees just playing in the ocean. Vicious and virulent In Florida,…

New Season for Travel Insurance Products Coming Up—Stay Alert

With travel insurance premiums expected to rise significantly this fall—partly due to the Ontario government’s decision to eliminate all payments for out-of-country medical fees—it’s understandable that travellers, particularly longer-term snowbirds, will be looking for ways to economize. Comparing prices between several insurance providers has always been the first option for making sure you get the best price available—but that only works if you’re comparing similar products. And that’s hard, given the differences in benefits, exclusion requirements, medical underwriting, age limitations, and a score of other factors offered in the travel insurance marketplace. One stratagem that seems to have caught on is using a free credit card or employer/retiree group plan to cover the first 15, 30, or 60 days of a trip, then “topping up” with an individual single-trip plan for the bulk of it. Sometimes that can work to save you a lot of money. But there are also…

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

MSH International (Americas) is accelerating its international expansion and services to meet the growing demand for its comprehensive, global health insurance products. Adding to the company’s great products and services a new suite of offerings addresses up-to-the-minute needs of leisure and business travelers alike and includes: LivExpat, a new generation of flexible and cost-efficient international health insurance plans MSH Navigator, a mobile application, with geo-tracking capabilities, security warnings, travel and city guides, two-way communication and single-touch access to emergency and provider networks MSH ASSISTANCE, a comprehensive product offering with round-the-clock multilingual medical assistance, emergency evacuation, repatriation and risk management to travellers, worldwide. Born of a 2017 merger between MSH International and Ingle International, a supplier of international insurance solutions for travellers, students and expatriates since 1946, MSH International continues to experience rapid international growth. Together with its continuous product innovation, tailored facilities, global capabilities, customized web and mobile sales/information portals…

How to Prepare for Emergency Situations at Home or Abroad

In April 2018, Toronto was shaken after an attack with a rented van in the North York area has left 10 dead and 15 others wounded. In a city that is generally known to be safe, this tragic event feels particularly jarring. It’s difficult to predict senseless attacks such as this. And while Toronto is in mourning today, one horrific act of violence will not alter the character of the city: at large, Toronto is still a safe place. For travellers heading to Toronto or anywhere else around the globe, it’s important not to let events like this deter you from getting out there and exploring the world. Rather than avoid making plans, the best thing that you can do is be prepared in the event you encounter an emergency at home or abroad. Measures for keeping safe Be prepared: If you are heading abroad, make sure to remain…

Ontario Travel Health Cutback Confirmed. Now What?

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

As Governments Withdraw, Private Travel Insurers Tune Up

Ontario’s proposal to stop paying travellers’ out-of-country medical emergency costs is expected to raise private travel insurance premiums by between 7 and 13 per cent, according to industry sources, even though the provincial share of fees paid to foreign health care providers are minimal at best—perhaps 5 per cent. And though such increases will be felt most acutely by snowbirds who spend several months out of Canada each year—primarily in the US—the effects should also awaken cross-border shoppers and weekenders to the reality that accidents and medical emergencies can happen anywhere, at any time, making them just as vulnerable as snowbirds. According to figures just released by the Conference Board of Canada (CBoC), 71.9 per cent of Ontarians surveyed claim they had some form of travel insurance on their last outbound trip. For Canadians as a whole, that was 76 per cent. And of those who were uninsured, 49.6…

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…

Snowbird Guide to Medical Marijuana

Since 2015, when Prime Minister Trudeau committed Canada to full legalization of marijuana, the number of registered users of medical cannabis products soared from an estimated 24,000 to more than 330,000. And, for a nation of committed cannabis users (according to Statista—an international marketing research firm—41 per cent of Canadian adults confirm having used marijuana at some point in their lives), that appears to be just the beginning. In the United States, the approach to legalization is more ambivalent. Though the federal government prohibits the use of cannabis in any form (recreational or medical), 30 states and D.C. have so far legalized its use to some extent (26 allowing limited use medicinally, nine allowing both recreational and medicinal use). But those numbers change from month to month as the trend toward outright legalization creeps along. What does this mean for Canadians, particularly snowbirds, who rely on marijuana products and derivatives…

Canadians Continue to Embrace Cruise Vacations, But Need to Consider Travel Insurance Pitfalls

In 2018, close to 960,000 Canadians will have embarked on a cruise—almost 39 per cent more than in 2010, according to estimates reported by the Conference Board of Canada (CBOC). Citing data provided by the Cruise Lines International Association (CLIA), the CBOC projected that it was cruisers from Canada’s Atlantic region who posted the largest average annual rate of growth in embarkations since 2010—11.6 per cent from then to the end of 2017. The report also indicates that while the average age of Canadian ocean and river cruisers in 2017 was 51, there was a discernable distinction in age cohorts between those taking longer itineraries such as trans-Atlantic or exploration cruises (which tend to attract older travellers), and shorter Caribbean cruises which are more popular among younger travellers. For example, the average age of Canadian passengers on cruises to the Panama Canal/South America, Antarctica, Galapagos, or the Arctic is 66;…

Canadian Snowbirds in Texas: Persistent, But Still at Risk

Canadians make more than two million leisure trips to Mexico annually, more than to any other country after the United States, even though the governments of Canada, the US, Britain, and other nations continue to issue travel warnings regarding certain sectors of the country. For Canada’s travel industry, especially insurers, this presents something of a quandary because travellers who encounter unexpected health problems or other disruptions to their travel plans while in certain areas of Mexico under travel warnings may find severe limitations on their coverage benefits. And sometimes it doesn’t take much to wander into such areas—as happens often to Canadians who winter in Texas’ Rio Grande Valley and walk over a footbridge into the state of Tamaulipas—an “Avoid Non-essential Travel” zone. Fortunately, the small, circumscribed tourist zone that Canada’s “Winter Texans” frequent daily is well fortified, and relatively free of crime or other disturbances. But wander beyond, and…

US Lifts Ban on Pot Workers, But Travel Rules Remain—For Now

The announcement by the US Customs and Border Protection agency that it will not impede Canadians who work in the rapidly growing cannabis industry from entering the United States for routine leisure or non-business travel suggests an easing of the federal government’s long-standing prohibition of marijuana use and commerce. The CBP statement, published on its website, reads: “A Canadian citizen working or facilitating the proliferation of the legal marijuana industry in Canada, coming to the U.S. for reasons unrelated to the marijuana industry will generally be admissible to the U.S., however if a traveler is found to be coming to the U.S. for a reason related to the marijuana industry, they may be deemed inadmissible.” The CBP clarification followed several weeks of speculation about how stringently CBP officers would enforce border restrictions on not only Canadian cannabis workers, but all other Canadian travellers whose own government has permitted them to…

Goodbye NAFTA. Hello USMCA. Hold on to Your Health Insurance

Canada’s new trade agreement with the United States and Mexico (replacing NAFTA) has gone through a tortuous negotiation, but finally has been completed. And according to the new rules built into USMCA (US, Mexico, Canada Agreement) there are no changes to visa requirements for workers and professionals affected by the new accord. The old NAFTA rules remain for business visitors, professionals, intra-company transferees, and traders and investors. (For details or updates on those rules, you can visit the Government of Canada’s website.) In short, the agreement doesn’t change a member country’s general immigration regulations governing public health, safety, and national security; and, significantly for workers and professionals posted abroad for long periods, it still doesn’t make provisions for any kind of reciprocity for health care coverage as has been a staple for individuals and companies operating within European Union countries. USMCA (like its forerunner NAFTA) is tied to trade, and…

Travelling Abroad? You Can’t Take Canada’s Cannabis with You

Canada’s marijuana legalization has attracted international media headlines the way few other Canadian actions have in recent memory—much more newsworthy than its freeing up of marijuana for medical purposes several years ago. And, as might be expected, the October 17 enactment of the new pot laws has spawned hugely speculative and grossly sensational alarms about what Canadians (including snowbirds) might expect when crossing over into the US this coming winter season. Let’s first establish one point above all: Canada’s legalization of cannabis is a domestic issue. It is applicable in Canada only. It has no impact on any other country’s laws or rules. In time it may certainly influence what other countries do—but not yet. The Canadian government is quite clear when it warns that “carrying any cannabis or cannabis product (legal or illegal) across Canada’s border will remain a serious criminal offence, with individuals convicted of engaging in such…

Visiting the US This Winter? Let’s Review the Rules—Part 1

It’s that time of year again: time to review the rules that govern how long you can stay out of the country without risking loss of your provincial health insurance benefits, how long you may stay in the US as a visitor, and if there are any changes in the rules you need to pay particular attention to. And this year, we’re going to do our review in two parts—the second dealing with new and vital information you need to know about Canada’s cannabis laws (for recreational or prescribed medical use) before leaving the country or approaching any other international border. You don’t need to be a marijuana user to be affected by these laws—so stay tuned. But first: the rules for visiting the US—Canada’s favourite vacation location There are no major changes in the B2 (non-immigrant tourist) visa rules for Canadian citizens wishing to visit the United States.…

Canadians Show Growing Satisfaction with Travel Insurance

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

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 Eight-Month US Visa for Canadian Retirees: A Myth That Keeps on Coming

It happens every couple of years: broadcast and print media announce in bold headlines that Canadian retirees 55 years or older who can afford a second home in the US (owned or leased) will soon be allowed to live there for up to eight full months per year instead of the 182 days they are currently allowed under the B2 visitor visa. Sounds like great news for snowbirds who prefer slathering on sunscreen to shovelling snow. Just this month, an opinion piece in Canada’s Financial Post warned that tax increases on Canada’s middle classes were fuelling a brain drain of doctors, nurses, tech workers, and entrepreneurs to the US and elsewhere, adding, “Just watch the enormous economic damage done when Congress extends its permission for snowbirds by two months—to eight months a year—to stay in the U.S. without becoming taxable.” Well, let’s just hang on here As I said,…

Canadian Travellers to Cancun: Be Vigilant

With more than two million Canadians visiting Mexico annually, travel insurers and other travel professionals need to warn their clients of increasing violence (due mostly to drug cartel activity) in the highly popular tourist area in and surrounding Cancun. More than half of all Canadian visits to Mexico are made to Cancun, and Mexico is Canadians’ second-most-visited country, next to the US. So far this year, 113 people have been killed in the Cancun area. The most recent spate of violence occurred in early April, when 14 murders (all considered drug-trade-related) occurred within 36 hours—generating headlines in newspapers around the world. Though Mexican authorities have explained that most of these deaths were confined to individuals involved in the growing drug cartel wars, there have been some innocent bystanders killed or wounded; and armed military guards have since been stationed at key points throughout the area to safeguard tourist resorts and…

Travel Insurance Sellers and Customers Need to Get on the Same Page

As Canadian insurance regulators intensify their efforts to enhance consumer protections and confidence in travel insurance, brokers and agents are faced with a dilemma: on the one hand, simplifying the purchase of products; on the other hand, ensuring they are appropriate for the specific health and travel needs of their customers. It’s a balancing act that often pits the imperatives of medical underwriters against those of marketers. And it doesn’t get any easier when clients in less-than-perfect heath are confronted by the need to complete—often by telephone, or via the Internet—health questionnaires replete with medical (and legal) terminology that requires searching out definitions further down the page or in another part of the policy. Interviewing applicants is no easy job For agents assisting customers in completing applications by phone, navigating through multilayered questions and recording their responses accurately is no easy job. Without actually recording the interviews, there is…

Mexico Travel Warning for Parents of Student Spring Breakers

Recent Canadian and US government warnings cautioning travellers about potential terrorist activity in Mexico’s Western Caribbean resort area of Quintana Roo state (including Cancun, Cozumel, and Playa Carmen) have once again emphasized the need for travel insurance for all ages, especially teenage students who are “breaking loose” for spring and Easter vacations. The warnings, issued by both governments on March 7 and 8, came in the wake of an explosion on one tourist ferry travelling from Playa Carmen to Cozumel, and the discovery of an unexploded bomb on another. These events have firmed up evidence of new drug cartel activity reaching into these areas, which thus far had been relatively free of the violence wracking much of the northern and western (Pacific) states in recent years. The government warnings, based on unidentified “ongoing security threats,” have subsequently been narrowed down, but the US State Department continues to restrict its own…

Buying a Cruise? Choose Carefully—It’s Not Always Paradise

Over the next 12 months, Canadians will take more than 750,000 ocean cruises, most of them heading out of ports in the Southern US, mostly from Florida, Texas, or California. Cruising is the fastest-growing vacation activity for Canadians of almost all age groups, and that’s not likely to change given the number of new vessels. There is no shortage of choice, either in itinerary or price point. But that does not mean you should make your cruise choice casually, without doing some homework. Along with the romantic appeal and imagery that cruise lines use in selling their products, there are some darker stories about ships being stranded due to mechanical problems, intrusions of Norovirus, the occasional “man or woman overboard” horror story, and every once in a while a story like one published recently in the Miami Herald concerning ships failing to meet government-established sanitary standards, with spot inspectors finding…

Five Tips to Speed up Your Travel Insurance Claim

When purchasing travel insurance, holiday-goers are buying into the promise that they will have peace of mind for their vacation. That doesn’t just involve accident or non-accident protection. It extends to the turnaround time of the insurance company once a claim has been made, and the speed in which the insured gets paid. Travellers are often worried about receiving payment from their insurance company after making a claim. What they don’t realize, however, is that insurance claim turnarounds are often held up due to a lack of healthorganization from the insured. Submitting your travel insurance claim correctly will help expedite the claims process. Read on to find out our top tips for submitting your travel insurance claim correctly. Choose wisely It’s important to choose the right travel insurance policy for you. The policy should cover your individual medical needs, should prepare you for non-medical assistance if needed, and should…

Chinese New Year 2018: Why is it year of the dog and what does it mean?

Happy Chinese New Year 2018! The annual event marks one of the most colourful and lively celebrations, with festivals held in most major cities across the world. Chinese New Year brings with it vibrant parades and colourful celebrations, but what is Chinese New Year? When is it celebrated and what does it mean? Chinese New Year has become a global celebration. Not only is it celebrated by the country of China and those with Chinese ancestry, it’s celebrated by people from across the world, of all different cultures and religions. Some 3 billion trips are expected to be taken during the Chinese New Year, so travellers should be prepared for delays and security risks no matter where they’re heading. Here is everything you need to know about the Chinese holiday known as Spring Festival. How is Chinese New Year celebrated?  Chinese New Year, also known as Spring Festival, is…

For Canadian Travellers: US Travel Future is Upbeat, But Do Your Homework

With the US economy booming, thanks to a surging stock market, record low unemployment, rising wages, and sharply lowered personal and corporate taxes, consumers are showing a growing confidence about spending more of their family budgets on travel. According to the most recent report by international business consulting firm Deloitte: of the six major segments that comprise the US travel industry (airlines, lodging, car rentals, cruises, rail, and travel packaging), a strong five per cent growth is forecast for 2018, setting the USA travel industry on course to hit a record-breaking $370 billion by year’s end. For Canadian travellers, who make about 25 million overnight trips to the US annually (that doesn’t count day trippers crossing over for a few hours), that means an expanding choice of locations and activity interests at all price levels; competitive (cheaper) airline fares; more hospitality and dining options—in short, more bang for your buck.…

Travel Insurance and Drinking: Read Your Policy

Last fall, the CBC brought widespread public attention to the case of a Canadian who, while visiting relatives in the US, fell down a flight of stairs after drinking alcohol, required treatment in hospital for a brain injury, and ultimately had his travel insurance claim denied, purportedly, because he had too much to drink. The response from some in the media was mainly critical of the insurer for not having “warned” the traveller ahead of time that an accident caused by alcohol impairment could invalidate his coverage That should not have come as a surprise to anyone as every travel insurance policy issued in Canada excludes coverage for medical emergencies caused or contributed to by alcohol—or other intoxicants—just as it excludes coverage for known unstable pre-existing conditions, terminal diagnoses, and failure by those insured to disclose their true medical conditions when applying for products. Travel insurance was never designed to…

Rules for Canadian Leisure Travel to the US in 2018

If you’re planning some travel to the US in 2018 (an estimated 24 million did so in 2016), you might want to review the rules of entry, how long you can stay, what documents you need to carry, and what changes have been made to those rules since your last trip. Fortunately, there were no major changes for casual visitors, leisure travellers or snowbirds last year, but you still need to be vigilant about your crossings as the cooperation between US and Canadian border agencies continues to be more refined and precise. Don’t assume you may have slipped through once or twice without notice. For short-term visitors or snowbirds who are Canadian citizens, the key rule remains—you are allowed to be in the US for up to six months (usually interpreted by border agents as between 180 and 182 days) over any rolling 12-month period. The best way to determine…

Canadian Outbound Travel Forecasts and Safety Advice for 2018

With consumer confidence the highest it’s been in four years, and with overall travel numbers for the first eight months of 2017 up 5.3 percent over the same period in 2016 (23.1 million trips—not counting single-day, cross-border travel), it appears that Canadians will be taking to the roads, skies, and seas in near-record numbers in 2018.1 That’s a good thing. But with increasing options to visit farther-flung locations coming available, you will also have to become astute navigators and travel planners. What may be a prime vacation or tour destination one day can generate warning signals overnight that need to be spotted, heeded, and avoided. Fortunately, with phone and online access to government travel advisories instantly available, there is no reason for you to be short of current information when either planning or embarking on any trip to any location—and you should take no location’s safety for granted. For example,…

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…