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Florida’s Keys Invite Visitors Back in the Wake of Hurricane Irma

Hardly had the uprooted palms, shattered roofs, overturned mobile homes, and even stranded fishing boats been cleared off the Overseas Highway connecting the Florida Keys to each other and the mainland, and tourism officials were already planning their strategy to bring visitors, foreign and domestic, back to this southern part of Florida—battered by the vicious winds of hurricane Irma in September. For an area where 60 percent of all spending and 54 percent of all jobs are dependent on tourism (a $2.7 billion industry in these parts), bringing visitors back for the 2018 winter season is a challenge that can’t afford to be leisurely or timid. And for Florida’s Canadian visitors, enjoying an 80 cent loonie, this combination of events might mean some truly meaningful bargains for snowbird, Christmas, or spring break visits. Don’t settle for rack rates—they need you back to show they’re still in business. So how do…

Travel Insurance for Snowbird Season, Part 2: What Should You Look For When Shopping For Travel Insurance?

Early bird specials These are plans sold at cheaper summer rates prior to new price increases going into effect. They can allow you some substantial savings, but remember that if your health changes in any way after you buy your plan and before your leave on your trip (e.g., new symptoms, changes in medications, referrals for tests or consultations), you must tell your insurer so your conditions of coverage and/or premium rates can be adjusted. Your coverage contract is based on your health status on the date your coverage comes into effect –not the date you purchased it. Failure to report such changes can invalidate your coverage.   Multi-trip annual plans If your travel plans call for frequent, short-term trips rather than a single extended six-month sojourn, consider an annual multi-trip plan, the fastest growing travel insurance varietal in the marketplace. Multi-trip plans are convenient in that you apply only…

Canadians Will Always Love Las Vegas

It was inevitable that Canadians, who account for almost one million air arrivals annually in Las Vegas, would be among the victims of the horrendous mass shootings this October. Next to Florida and Los Angeles, this city in the desert welcomes more Canadians arriving by air than any other. And the reasons are clear—it is an exciting, well-run, highly attractive location designed for purely one purpose—to attract tourism and make visitors feel welcome. What happened? The same thing that happened in Barcelona in August, in Paris and Nice in 2015, in Manchester and London earlier this year, in Orlando in 2016, and that will undoubtedly happen in other locations in the near future: unhinged zealots taking out their anger on innocent, defenseless people.  Are there lessons to be learned from these tragedies, given that they are so unexpected, random, and irrational? Perhaps the most common element is the presence of…

Travel Insurance for Snowbird Season

To millions of Canadian seniors, Thanksgiving weekend kicks off snowbird season: either they’re packing up for the trek south to Florida, Texas, Arizona, California, or beyond, or they’re well into the planning stage—the purchase of travel insurance being a top priority. If you’re among this fast-growing cohort (the Conference Board of Canada estimates the numbers of Canadians aged 55 to 64 will increase by 8 percent annually between 2015 and 2019; and those over 65 by 15 percent per year) you’re going to have plenty of insurance plan choices, albeit at increased premium prices. CBoC estimates that premium prices were 9 percent higher in 2016 over the previous year, and that trajectory will likely remain unchanged this coming season. The sad reality is that so long as American health care costs continue to escalate, Canadian insurers must anticipate paying increasingly expensive claims in US dollars from premiums collected in lower…

What Now for Mexico—Canada’s Most Favoured Leisure Destination?

In the wake of Hurricanes Irma and Maria which ravaged much of the Caribbean basin and Florida, and two massive earthquakes in Mexico, Canadian leisure travel options in North America’s hot countries have taken a huge hit. Though the 7.1 magnitude quake centred in Puebla State just south east of Mexico City (followed by a 6.1 magnitude aftershock) got most of the media attention, an earlier, and even bigger 8.2. quake that epicentred 120 km off shore in the Pacific, attacking the coastal southwestern states of Oaxaca, Chiapas and Tabasco, killed more than 100 residents and virtually shut down a normally bustling tourism industry. The combination of the two quakes and a high-magnitude aftershock, barely a week apart, covering huge areas of central Mexico to its southern border with Guatemala, have put a huge question mark over the ability of these areas to rebuild, and the availability of an infrastructure…

Travel Planning Lessons for Canadians from Hurricane Irma

Hurricane Irma has left a long-lasting legacy on many island countries of the Caribbean as well as the US southeast, especially Florida—a legacy that Canadians must factor into any short- or long-term travel plans for these regions. Full recovery in many of these areas—even those not prominently covered in the media– may take a long time. The full extent of damage is yet to be tallied, so be patient when trying to get more precise information about friends, family, or properties you may have in the affected areas. In the Caribbean, Turks and Caicos, Antigua, Anguilla, St. Barts, Bahamas, Cuba, and Saint Martin/Sint Maarten are all under Canadian government “Avoid All Travel” or “Avoid All Non-Essential Travel” warnings. In the face of hurricane Maria, Leeward Islands and Puerto Rico are also under advisement. These warning levels may change from day to day. To stay current, view the advisories online. Take…

Hurricane Irma Update

There is no part of Florida that has escaped the damage from Hurricane Irma and the demanding task of recovery and reconstruction that will take many months to come. For Canadians, particularly snowbirds that have property in Florida, the full impact may not yet be known. Communities remain isolated as power remains sporadic and transportation continues to be hampered by lack of fuel. Fort Lauderdale, a heavily commercial urban area, has few traffic lights in operation, supermarkets are powered by generators with shelves that are bare of staples, and ice (a crucially important product when power and refrigeration is out) is almost impossible to get. It is common to see drivers sitting in their cars idling while recharging their cellphones. Despite politicians’ promises that fuel is on its way, none appears to be showing up at a majority of service stations in this area. If you have property in any…

Travel Warning: Canadian Winter Texans Avoid Harvey

Global Canada has issued a stern “avoid all travel” warning to Canadians planning to visit flood-stricken Texas. Warnings extend from Port Mansfield—just north of the city of Brownsville (well-known to many winter Texan snowbirds), along the Gulf Coast, and inland areas including Houston. With tropical storm Harvey moving eastward into Louisiana, restricted travel warnings are likely to be extended well past the time Harvey calms down and the flood waters recede. We urge all Canadians anticipating travel to any part of Texas south of Dallas, especially Winter Texans concerned about their homes or properties in the Rio Grande Valley north of Brownsville (in the MacAllen/Harlingen area), to monitor the Global Canada website for current travel advisories and warnings. Travel Canada defines an “avoid all travel” warning level as, “an extreme risk to your personal safety and security. You should not travel to this country, territory, or region. If you are…

Nobody Benefits by Travel Insurance Claim Denials

Though travel insurance claim denials are rare events, they are sure to capture headlines when they do happen. In fact, according to a recent survey conducted for the Travel Health Insurance Association of Canada (THIA), 95 percent of all travel claims submitted in Canada are paid. But the consequences of even one claim denial can be frightening and financially devastating. Nobody benefits by a claim denial: obviously not the client, and certainly not the insurer who must absorb the bad publicity and ill feelings such a negative event causes. If It Happens to You Any claim denial should explain in clear, plain language the specific exclusion being applied. For example, if the exclusion precludes payment for an unstable pre-existing condition, you should be shown the evidence in your doctor’s medical records that a condition truly was pre-existing, or unstable, or warranted reporting on a medical underwriting questionnaire. The citation…

Know Your Insurance. Know Your Doctor Too

If you have any chronic conditions such as hypertension, diabetes, osteoporosis or COPD, applying for travel insurance can be somewhat intimidating. After all, you’re not a doctor and the terminology in some of those medical questionnaires is not written in common everyday language. It is a legal contract. Still, if you’re asking to be covered for a foreign trip—short or long—you need to give the insurer a clear, accurate picture of your health status: have you had any new diagnosis or recurrent symptoms over the past 3, 6, or 12 months; have you been treated by a physician, been referred to a specialist, undergone  tests, are awaiting tests or test results, been prescribed new medication, or had your dosage changed, during that time period? Have you talked to your doctor? In preparing for a trip, have you discussed the status of any chronic conditions with your family doctor? Has…

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,…

Enhanced Electronic Device Screening at U.S. Airports

Travellers to U.S. airports will now be required to remove all electronic equipment bigger than their cell phone from carry-on luggage, and have it inspected when going through TSA security before proceeding to their departure gate. The new requirement will cover tablets, e-readers, handheld game consoles, and laptops, all of which will be put in a bin and passed through an X-ray scanner. Previously, only laptops were subject to these enhanced inspection techniques. The new rules will apply only in standard security lanes. They will not affect travellers in preclearance systems such as Nexus. TSA advises travellers to keep their electronics organized and have all devices ready for inspection so as to keep security lines moving. Acting administrator of the Transportation and Safety Administration Huban Gowadia says, “It is critical for TSA to constantly enhance and adjust security screening procedures to stay ahead of evolving threats and keep passengers safe.…

Canadian Travel to Mexico Breaks Records

Despite lingering concerns about drug cartel violence and occasional reports about Canadian expatriates being burglarized or worse, Mexico continues to be Canada’s most favoured travel leisure destination outside of the United States. According to data released by the Conference Board of Canada (CBoC) and the Secretaría de Turismo de México (STP), Canadians made a record 1.6 million leisure trips to Mexico in 2016, and projections are that the trajectory will continue on the upswing. The data show that Canadians are also spending more of their travel dollars on trips to Latin America—particularly Belize, Costa Rica, Guatemala, and Panama, which together accounted for over 300,000 Canadian arrivals in 2016. Cuba slips At the same time, Canadian arrivals to Cuba slipped in 2016 to 1.25 million, down from a record 1.3 million in 2015. The reduction is attributed largely to hotel room price increases of 15 to 20 per cent, which…

Thailand Expected to Require Travel Insurance

If you’re planning a trip to Thailand, an increasingly popular tourist destination for Canadians, be aware that the Thai government is considering making proof of travel insurance mandatory for foreign visitors. The reason: state hospitals are losing at least $88 million USD a year treating visitors. Data from the Conference Board of Canada indicates that 244,000 Canadians visited Thailand in 2016, 7.3 percent more than the year previous. Current figures show that numbers are growing at a rate of 5 percent. According to published reports, officials at the Thai Ministry of Tourism and Sports consider travel insurance an urgent necessity and are working to get legislation enacted as quickly as possible. Officials at the ministry have stated that as soon as the rule is put into effect, all visitors will be required to show proof of travel health insurance along with their other entry documentation upon arrival in the country.…

Buying a Retirement Property in Florida

If you’ve been thinking of cashing in on your home in Toronto, Vancouver, or other Canadian real estate hot spots to buy a retirement property in Florida, now may be the time. Though prices for individual homes or condos in Florida have rebounded substantially since the real estate recession and are now selling briskly, there is still a big window of opportunity for closing a single home,  townhouse, or condo at prices close to what they were just before the housing recession hit in 2006. According to official Florida Realtor figures, the average sale price of a single family home this spring was $324,839 USD, 8.3 percent higher than last year.  And the average sale price of a townhouse or condo in this spring was up $261,635 USD, up 8 percent over the comparable month last year. That’s a statewide average, which includes high price areas such as Miami-Dade, Naples,…

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…

Visitors to Thailand Could Soon Require Proof of Travel Insurance

Thailand’s Tourism and Sports Ministry has put forth a proposal that would require all visitors to present proof of travel insurance coverage upon entering the country. With tourism on the rise in Thailand, the ministry says these measures will protect hospitals from being on the hook for the cost of medical care provided to travellers with no way to pay. Thailand would not be the first country to enact rules like this. A number of European countries already require proof of adequate travel insurance coverage before you enter their borders. And it’s not only the country’s hospitals that would be protected under this plan. For travellers headed abroad, travel insurance coverage is vitally important, as the cost of medical care outside one’s home country can be frighteningly expensive. And should you require transportation back home for continuing medical care, an air evacuation can cost tens of thousands of dollars—which is…

Need Travel Insurance? Report Your Pre-existing Conditions

Are you hesitant about applying for travel insurance because you have a pre-existing medical condition? Don’t be. If insurers turned away all applicants who have some medical imperfection or take certain medications, or who are required to visit their physicians periodically, they would go out of business. Travel insurers understand that very few people are in perfect health, many take medications for common ailments, and as people age they are expected to become more proactive in maintaining their good health. As a result, most individual travel policies today will cover many with pre-existing conditions, so long as the conditions are reported and insurers have a clear understanding of the conditions in question, and how they are being treated and maintained. But you must reveal them when applying. Most policies will, in fact, allow coverage of certain pre-existing conditions if they have been stable and controlled over certain periods of time…

Prepare for Storm Season, Snowbirds!

Canadian snowbirds with property in the southern states should heed the wake-up call left by Cindy, a tropical storm that flooded many parts of the Gulf of Mexico states from Texas to the Florida Panhandle. It’s hurricane season, and if you haven’t fully secured your property, you’d best do it now—whether you have a condo, individual family home, mobile or manufactured home. You need to make sure you’re protected against what weather experts predict may be an above-average storm-activity summer and fall. What do you need to do? Make sure you understand your homeowner’s insurance policy. Do not assume that you’re covered for wind, storm or flood damage under that policy. Most homeowner policies require additional supplements for damages caused by wind or floods—and not everything that looks like rising water is considered a flood. If you’re unsure about your coverage, call your agent and make adjustments while there…

US Returns Restrictions on Cuba Tourism. No Problem for Canadians

In a visit to Little Havana in Miami, US President Donald Trump announced a re-imposition of the ban on tourism by individual Americans, as well as tighter controls on commerce with the government of Raul Castro. The restrictions reverse many, but not all, of the embargo sanctions lifted by President Obama in early 2016. The restrictions on individual travel (which under the Obama deal allowed travel by individuals for educational or people-to-people pre-arrangements) will impact the surge of American tourism and US-based airline travel that in 2016 allowed more than 600,000 Americans to visit the island nation as visitors and tourists. Canadians still far outpace that number of visitors, making well over one million trips to Cuba each year. What will this mean for Canadians visiting Cuba? It should mean less congestion when looking for hotel and resort room space—which was getting cramped by increasing numbers of new tourists from…

Travel Insurers Issue a Consumers’ Bill of Rights

Recently we reported on provincial and federal regulators’ recommendations to reform the travel insurance marketplace and make it more user-friendly—more transparent, less complicated, easier for customers to apply and be sure they are getting the coverage they need. Fortunately, the Travel Health Insurance Association of Canada (THIA) has over the past two years been developing a consumer Bill of Rights designed to empower purchasers in their dealings with sellers of insurance and—just as important—with administrators and claims managers who service their products right through their full life cycle. The intention of the Bill of Rights is to give you a voice, leverage, a clear declaration of what you have a right to expect from the insurers you choose to deal with—as well as what your own obligations are in making the coverage contract work for you. Here is a full reproduction of the Bill of Rights which THIA has just rolled…

Travel Insurance & Food Allergies: Make Sure You’re Protected During Your Travels

When my baby boy was first diagnosed with a number of severe food allergies, I was devastated. All I could think about was all the delicious food he—and we—would miss out on. Peanut butter, once a staple in our home, was now banned. Much-loved bakeries were now off limits. If my husband and I wanted Asian takeout, we’d do so guiltily, after the baby was in bed, and then disinfect our table, countertops and anything else our food may have come into contact with. As time passed, I realized that his food allergies would make it challenging, if not impossible, to take part in other much-loved experiences, like travel. Not only would we need to contend with eye rolls and exasperated sighs on airplanes (not to mention seating areas covered in crumbs that could kill from previous passengers), we’d need to research where it is safe to eat out, and…

Regulators Weigh-in on Travel Insurance Transparency

If applying for travel insurance sometimes leaves you confused and has you reaching for a medical dictionary, you’re not alone.  Providers of insurance policies, at the urging of provincial and federal regulators, are working to make their products more user-friendly. Just last week, the Canadian Council of Insurance regulators released its latest in a series of study papers outlining what needs to be done to ensure fair treatment of travel insurance consumers when purchasing protection for out-of-country and interprovincial travel. The release noted that travel insurers have been cooperating with the council to educate consumers about the limitations and exclusions, as well as the benefits, of their products. But it noted that they would be monitoring their progress in making the purchase of travel insurance fairer and more transparent for the customer. That’s a positive move because travel insurance is an important purchase, and it should not be handled casually…

Tips for Hurricane Season

June marks the beginning of hurricane season in Florida and the Southeast and Gulf States, so if you’re planning a vacation in any of these areas over the summer or fall, take a few simple steps to protect your investment. First, let’s establish that hurricanes touch down in the US rarely, appearing only once or twice a year. But the biggest threat is their unpredictability: how powerful will they be, when and where will they land?  They may give us three weeks’ notice, or only two days. And as anyone who has ever been through a real hurricane knows, they are frightening, life-threatening, and should not to be taken lightly. So what must you do?  Though June through November is traditionally known as hurricane season, the peak months of storm activity are August, September and October—with Labour Day weekend being the expected finale. Generally, that coincides with high ocean…

Cuba Loves Canadians

Though US airlines are cutting back flights to Cuba due to weaker-than-expected demand, hotel and resort facilities remain jammed, prices are soaring, and government tourism authorities are claiming record numbers of visitors (close to 4 million in 2016)—Canadians leading the pack by far, accounting for more than 1 million visitors last year. Less than a year ago, almost a dozen US airlines filed for US government permission to fly to 10 Cuban locations on a daily basis, hoping to open up the entire island to a broader-based tourism. Their enthusiasm was pumped up by an agreement between the Obama administration and the Cuban government to ease trade relations between the two countries following a 50-year embargo placed by the US. But demand to most locations—other than Havana—did not keep up with expectations and within six months after launching the new airlift in August, the airlines realized their hopes in the…

Keep Track of Your Border Crossings

One of the most frequent questions Canadians who live close to the border shared with the United States ask is how often they can cross over to do some shopping, visit friends, play golf, have dinner, and watch a ball game. Really, it’s not complicated. But that doesn’t mean you can afford to be unprepared, or uninformed about what you are allowed to do and what your responsibilities are. You do have to keep track of your comings and goings. You need to keep your documentation (passport, travel insurance card, etc.) up to date and in order, and you want to keep in constant touch with your government’s border-crossing updates, especially now that the summer vacation season is near. . First be aware that border crossing data is shared by both governments so you must assume all of your crossings are being recorded. Keep your own record so you don’t…

Be Prepared While Borders Return to Europe

If you’re travelling to Europe this summer, be prepared for more border crossing restrictions than you may have been accustomed to in past years, ensure that your documentation is up to date, and make sure you have proof of private supplemental travel health insurance that meets EU standards (€30,000 to €40,000 in coverage). Because of the continuing threat of terrorist activity, many EU countries have reintroduced border inspections and so you need to be prepared to show passports, any relevant visas that apply, and whatever documents border agents ask for. For example, if travelling to Russia to visit family or relatives for more than 3 months you may have to show evidence of recent negative HIV or TB testing. The same is true of Egypt if you’re planning a stay of 30 days or more. If you’re travelling to the Czech Republic, Slovakia, Bulgaria, Ukraine, Lithuania, Latvia, Estonia, Belarus, or…

Though Legal in Canada, Marijuana Remains Banned in the US

Despite Prime Minister Justin Trudeau’s efforts to legalize marijuana, Canadian travellers must be warned that carrying it into the US is hazardous business. The US border is a federal jurisdiction, controlled by the State Department, and the importation of marijuana—whether commercially or in small amounts for personal use—is illegal and can get you turned back at the border. Moreover, if, under questioning by the customs and border protection agent, you admit or even give the suspicion that you have ever used pot, even for medical purposes, you can be barred from entering the US forever. If that sounds extreme, understand that it has happened. Leave your “legalize marijuana” t-shirts at home as wearing them would be quite enough for an agent to turn you away. He or she doesn’t need to justify the action. Border agents have the authority to bar your entry for a multitude of reasons they don’t…

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…

South Florida Prepares for Zika 2017

Thanks to a particularly dry winter season, the Aedes aegypti mosquito species has been relatively dormant in South Florida and no new cases of locally acquired Zika virus have been reported by the Florida Department of Health as of the end of March 2017. The last of the warnings for active ongoing transmission of Zika in Miami Dade County were lifted in early December 2016. But with the return of temperatures to the mid to upper 80s, and the impending approach of the rainy season, the threat of mosquito regeneration and risk of Zika transmission returns. To date, the FDOH reports 25 cases of travel-related Zika infection being monitored in South Florida; these are cases involving travelers who have returned from areas where the virus is being transmitted. In addition, 2 cases of locally acquired virus are being monitored, but they are thought to be in residents who were infected…

Can US Border Agents Look at My Phone?

Would you hand your cellphone over to a friend and let them scroll through your messages, photos, and social media accounts? If that doesn’t sound ideal—then what about handing it over to a stranger at the US border? Recent reports of travellers being asked to unlock their phones for inspection when crossing into the US are raising fears about invasions of privacy at the border—and bringing up questions for Canadians who are planning to travel south. If there’s a trip to America in your future, what do you need to know about the potential for your phone or your laptop to be examined by border agents? And if you are asked to hand over your devices and your passwords, do you have to comply? Is it actually legal for border agents to search my phone? The short answer is yes. US border agents are legally allowed to request access…

Should Canadians Be Concerned about Crossing the US Border?

Recent media reports focusing on incidents in which US Customs and Border Protection (CBP) agents have turned back seemingly innocent Canadians—some legal permanent residents, others fully documented citizens—tend to stroke a growing unease about heading south for leisure and business travel. These reports include Canadian school groups forfeiting field trips in the US for fear they might run into visa problems. And there was also a recent report in the US trade journal Travelmarket Report citing the case of a Montreal woman born in Canada who was stopped by CBP officials at a border-crossing point in Vermont and told she would need a visa to enter the US—even though she was a Canadian citizen. Now if this sounds unfair, dictatorial or authoritarian, please remember that this is not new, it has been standard procedure at international borders forever. Entry is a privilege, not a right You can be armed…

Travel to Canada

I have lived half my life in Canada, half in the US, and it has always amazed me that most Canadians I know personally, know more about travel in the US and abroad, than they do about Canada. It’s time to remedy that. But as with travel anywhere else, travel throughout Canada needs some foreknowledge—especially in respect to management of a medical emergency while out of your province. According to several recent surveys, about three quarters of Canadian frequent travelers buy some form of travel insurance when journeying out of the country. They know the financial risks they run by traveling uninsured. But they’re not so sure about the need for travel insurance to cover medical emergencies when traveling to other provinces even though all insurers strongly advise purchase of insurance for coverage within Canada. Do you need it? Portability of medical and hospital services for interprovincial travelers has…

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.