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Are Canadian Doctors Really Pillaging Health Care Coffers?

The current tension between the Government of Ontario and its doctors over what is or isn’t a fair “wage” is yet another chapter in a long saga documenting the political truth that when government is the paymaster, it has the right to call the tune. But the melody is wearing thin. To refresh myself on this long narrative, I revisited my own files to stories I wrote in the ’70s, ’80s, and ’90s, for the Canadian Medical Association Journal and The Medical Post on the protracted fee schedule negotiation between not only the Ontario Ministry of Health and the Ontario Medical Association but also similar combatants in most other provinces. And the story line then, as it is now, was that the more money the province (that’s you) paid doctors, the less it had to pay for other key health care services—new hospitals, more beds, newer technology, more technicians, and…

Is the Loonie on a Rebound? Plan Ahead…

Now that the loonie has begun its resurgence (let’s hope there’s plenty of bounce left in it), you may want to start planning for next season’s snowbird trip south. Understand, please, that I am no financial planner, nor am I particularly financially literate. So don’t put your savings on the line on the basis of my musings. However, consider that if the loonie keeps climbing to a more respectable level, you would be wise to gradually replenish your Canadian U.S.-dollar bank account so that next fall when you head south you’ll have a more substantial nest egg. According to our friends at the Canadian Snowbird Association, the puny loonie had a negative effect on snowbird travel to the U.S. during the 2015–2016 season. Fewer trips were taken, and many were shortened. The biggest impact was felt in south Texas—a particularly dollar-sensitive area. As tough and stubborn as snowbirds are about…

Product Spotlight! IMG Global Medical Insurance

Who wouldn’t like to travel or live abroad for an extended period of time? Imagine the beautiful views, unique landmarks, and adventures around every corner. But don’t let the unexpected interrupt your travel dreams… IMG Global Medical Insurance is a powerhouse. It’s an annually renewable policy that provides worldwide coverage, regardless of citizenship, and is meant for employees working abroad, seniors with dual residencies, as well as individuals and families. The plan boasts five levels of coverage along with various wellness benefits and manages rising health care expenses—all at a reasonable cost to the consumer. It makes for a great long-term option for savvy international travellers shopping the market. Key benefits of the IMG Global Medical plan include the following: Lifetime maximum limit up to USD $8,000,000 Ability to choose your level of coverage, worldwide Deductible options to assist with financial situations A variety of wellness benefits, including regular check-ups,…

Product Spotlight! Manulife Global All Inclusive Plan

Drum roll please . . . April’s Product Spotlight is pleased to showcase the Rolls Royce of insurance policies: the Manulife Global All Inclusive plan. This plan provides Canadian individuals and families with complete travel coverage, including benefits for emergency medical expenses, trip cancellation, trip interruption, baggage (loss, damage, or delay), and accidental death and dismemberment. Key features include: Trip cancellation up to $20,000 (this includes a cancel-for-any-reason benefit, for example, the hospitalization of a loved one. Be sure to check your policy wording for limitations) A voucher (receive up to $750 dollars towards your next vacation for a cancelled or interrupted trip) Unlimited trip interruption coverage (get a reimbursement for the scuba diving excursion you missed out on. Again, check your policy wording for limitations) No medical questionnaire Trip duration of 183 days for travellers under age 60 and up to 60 days for travellers aged 60–74 All the…

On Holiday? Remember to Look After Yourself

Travel can be an opportunity to broaden the mind and see the world. At the very least, it gives us a chance to unwind and break free of our daily routine—and who doesn’t enjoy that? It’s good to get free . . . but you may want to think twice before you get wild. Although a big part of your holiday may be trying new things, remember that a little common sense goes a long way towards keeping your trip safe, healthy, and enjoyable. Use common sense when engaging in new activities. There may be all kinds of new activities available to you while on vacation, such as parasailing, waterskiing, zip-lining, driving vehicles like dune buggies or scooters, scuba diving, and snorkelling. Some things to keep in mind: Are the operators licensed? Do they have a good reputation online and/or on the resort? Are they knowledgeable, properly trained, and…

Lessons from Nepal: Advice for Travellers

The scope of the tragedy in Nepal is still being measured. The number of dead is well past 5,000 and rising, and the 7.8-magnitude earthquake that tore apart this remote nation of 27 million people continues to exacerbate their sense of helplessness by spinning off rounds of lethal aftershocks. For the Nepalese, the recollection of this tragedy will linger for a lifetime, not only on a personal level, but for the nation collectively. Nepal has always been a low-income country and only recently has gained a measure of economic growth, thanks largely to tourism. According to government figures, in 2013 almost 800,000 visitors travelled to Nepal, on average staying about 13 days. Of that number, about 52 per cent said they went largely for a holiday and pleasure, 13 per cent for trekking and/or mountaineering. Tourism was Nepal’s route to stability. But will Nepal be able to rebuild that industry?…

The Latest on the Zika Virus

(Written by Dr. Michael Szabo, Medical Director, Ingle International) The Zika virus is still a hot topic in infectious disease circles. Here are three recent developments in our understanding of this important virus. Zika causes microcephaly The CDC has recently reached the definitive conclusion that the Zika virus causes microcephaly. Its evidence has been published in The New England Journal of Medicine[1]. Until now, the Zika–microcephaly connection had merely been suspected, given the lack of data showing that Zika was the direct cause. That has now changed. Zika is now being linked to other problems in the offspring of affected pregnant mothers, including hearing and vision problems and cognitive deficits The data are still being investigated, and the association is not definitive at this point. This development is certainly worrying, since until now microcephaly was the only concern. Sexual transmission of the virus is now more of a concern than…

Earthquake Preparation and Recovery

The United States Geological Survey (USGS) estimates that several million earthquakes occur worldwide every year, although the majority are of minimal magnitude or affect remote locations. However, certain areas of the world are prone to high-magnitude earthquakes. With the number of casualties still rising from the recent earthquakes in Ecuador and Japan, and international aid pouring in, we would like to remind you how to prepare for and recover from a major earthquake. What is an earthquake? Earthquakes are a sudden rolling and/or shaking of the earth’s surface. They typically last for less than a minute, although aftershocks can persist for days and even weeks after the initial earthquake. Earthquakes happen when the ground beneath the surface of the earth breaks or shifts, typically occurring along fault lines, and they can be felt over extremely large areas. Earthquakes can also lead to other disasters, like tsunamis. How to…

The Aedes Mosquito: Carrier of More Than Just Zika

Short read: Zika Virus: What You Need to Know Introduction As Zika continues to spread, doctors and scientists have officially concluded that a causal relationship exists between pregnant women infected with Zika and microcephaly appearing in newborns (in addition to other brain anomalies).[1] Belize, Saint Lucia, and Vietnam are the latest countries to experience their first locally acquired cases. Meanwhile, Panama has recently announced its first case of microcephaly potentially linked to Zika, and Brazil is continuing to experience large-scale transmission of the virus, with a significant increase in cases of newborns suffering from microcephaly. And Colombia is experiencing an uptick in Zika cases, with the rainy season (i.e., more mosquitoes) just around the corner. Spread of Zika Image source: WHO But Zika is not the only mosquito-borne virus of global concern. In this article, we trace the epidemiology (spread) of two similar arboviruses—dengue, and chikungunya—and…

Zika and Your Vacation: What to Do?

Worried about the Zika virus spoiling your summer vacation in the South? Now that the U.S. Centers for Disease Control and Prevention (CDC) has officially branded the mosquito-borne Zika virus as a cause of microcephaly, the threat level of this cycle of infection has returned to the front pages. And it’s likely to stay there over the summer. So what should you do? Cancel your family vacation to Myrtle Beach, the Florida Panhandle, or the Bahamas? Or do you just load up on mosquito repellent and soldier on? Start with some facts You will not be infected by Zika from mosquitoes flying in Canada. The breed that carries the virus, Aedes aegypti, does not like Canada’s climate and prefers to stay in the southern half of the U.S., the Caribbean, Central America, and much of South America. So far, some 40 countries are known to be hosts to this…

Travel in the Age of Social Media

It seems like yesterday that Facebook was just a fledging network for college students—and Twitter was a shorter version of Facebook that no one quite understood yet. Now, these and other social networks seem to have become inseparable parts of our everyday lives. If anything of note is happening in the world, social media is probably the first place you’re going to hear about it. But news isn’t the only thing that’s travelling differently in the age of social media. In fact, social media is reshaping the world of travel for savvy jet-setters everywhere. Research and preparation The most obvious benefit of social media is the way it connects you to the thoughts of so many people around the globe. As you’re making your vacation plans, you have endless reviews, ratings, and opinions to consider, and it’s all right at your fingertips. How’s that hotel you’re eyeing? If any…

Taking Food into the U.S.? Declare It

With summer vacations looming, you need to make sure your checklist of dos and don’ts for cross-border travel is up to date. This include passports (for each and every traveller), parental documentation if you’re travelling with kids who are not yours (we’ll cover that in another post), travel insurance for your whole family, and, of course, your food checklist. Food checklist Food checklist? Yup. Especially if you’re packing food to keep your kids from starving until they get to the first U.S. rest stop or you’re carrying a full pantry of comestibles to your condo in South Carolina. Every year we hear complaints from Canadian vacationers nonplussed because a U.S. border agent not only forbade them from bringing in a cooler chest full of sandwiches, oranges, pineapples, and apples, but also chastised them for not declaring what they were transporting. Luckily, they were only browbeaten. They could have been…

Post-Brussels Travel: Protect your Investment

First Paris, then Brussels. What now for your travel plans to Europe this summer? It’s only reasonable you should be nervous about laying down thousands of dollars in deposits and other advance fees if by June, July, or August you change your mind and decide you no longer want to go. I’m not suggesting you should or shouldn’t travel—only you can make that decision, in consultation with your family and your travel partners. But I am suggesting, as strongly as I can, that you take the time now to protect your investment by buying trip cancellation/interruption travel insurance that allows you to “change your mind” later. Such products are available, but you need to talk to a travel insurance professional to ensure you understand (1) how these plans work and (2) what you need to do to make sure you are covered. Basic trip cancellation insurance covers you for incidents…

The Risks of Travel

An interview with Alan Bell, President of Globe Risk International, about the risks of travel, the dangers travellers can potentially face, and the services available to protect travellers in risk areas. Planning a trip? Check out your travel insurance options.

Trip Cancellation/Interruption Insurance in Times of Terror

Terrorism has once again reared its head in Europe, this time bringing Brussels to its knees and putting the city on lockdown. The threat level for the city had been high for some time, and the terrorists once again made good on their threats to wreak destruction and havoc. These attacks have undoubtedly thrown a wrench into innumerable travel plans, and insurance companies and travellers alike will be dealing with thousands of claims for cancelled and interrupted trips. In light of the many travel disruptions people are no doubt experiencing in the wake of the Brussels attacks, we have produced an article outlining trip cancellation and interruption coverage. Below are a few points to keep in mind about these insurance products. Sold together, separate coverage Trip cancellation and trip interruption coverage is sold together and can be purchased as a stand-alone plan or as part of a non-medical or…

A Helpful Guide to Plan for Travel Emergencies

Travellers need to stay informed and have a plan for emergencies in today’s world of increased security risks. Before you travel, make sure that you have a plan in place for your safety and security, as well as peace of mind for you and your loved ones. Step #1: Well before leaving home, make sure to keep a record of all of your travel documentation—flight numbers, destination details and arrival times, transit locations, hotels, passport number and photo—and don’t forget to record and copy the country and city codes of your destinations and transit points and make them immediately accessible to your people at home. And designate one responsible person to be the coordinator of the documents and any contacts should you run into problems. Remember also that if your itinerary changes in any way, your home base coordinator will not know about it as soon as you do.…

Brussels Attacks: A Security Perspective

Terrorist attacks are often perceived as unpredictable and random events, which increases societal levels of fear. Despite their randomness, however, there is often a logic behind the attacks that draws from underlying geopolitical, sociological, and security conditions. For instance, prior to today’s attacks in Brussels, the national terror threat level in Belgium was 3 out of 4. The general security environment in the region had been drastically altered following the November 2015 terror attacks in Paris, particularly in light of the attackers’ potential links to areas of Belgium (specifically, the Molenbeek municipality within the Brussels-Capital Region). Salah Abdeslam, one of the suspected Paris attackers, was arrested just four days ago in Brussels. Stopping one terrorist cell, or apprehending its members, can push other cells into action. Some have wondered whether Abdeslam, speaking through his lawyer, could have used coded language to trigger members of the cell to carry out attacks.…

Save on Family Plans for Summer Travel Insurance

It’s never too early to save money.  And booking travel insurance that will cover the entire family during your summer vacation is a good way to do it. Don’t overlook this option when comparing plans.  The savings can be substantial. But make sure you know what you’re buying. Ask questions.  And for a special purchase like this, deal with a broker that specializes in travel insurance.  A lot of agents sell travel-related products but not all are experts in travel coverage. Some family plan premiums are pegged to the age of the oldest traveller: multiply by two, and that covers your children as well. Other plans will  provide a separate rate table for families, so make sure you ask to see one and compare that to paying individual rates for each traveller—you’ll see quite a difference. Also make sure that all the children you want covered are named on the…

Zika Update: So Far, Not Bad. But Summer’s Coming.

So far, news about the spread of Zika is encouraging, since no locally acquired cases of the disease have been reported in the U.S. However, 258 cases have been reported to date among travellers returning from Zika-prone areas. Of these cases, eighteen involve pregnant women and six include sexual transmission of the virus after infected travellers returned home. But so far there have been no validated reports of Zika having been transmitted directly between two people by a mosquito in the U.S. (or in Canada)—though we should note that the mosquito season is just beginning as the warm, even hot, weather moves in. So, although the Zika update is encouraging, we warn that you cannot let your guard down for a minute when planning travel to any part of the U.S.—particularly the hot and humid Southeast—from now through the onset of autumn. To date, Florida has diagnosed 54 people with…

America Is Safe—Just Steer Clear of the Politics

If the media portrayal about political craziness and disruption in the United States has you worrying about vacationing in America this summer, try to keep a level head, look beyond some of the bizarre headlines, and proceed with your plans. But be flexible. Not since the summer of 1968, when anti–Vietnam War protestors clashed with hardline government supporters and police and turned the Democratic nominating convention in Chicago into a firestorm, has an election year evoked such brutality and fear. Not ours to comment on why this is happening, though there are enough pundits blowing smoke at you to feed any position you may choose. But one thing is clear: based on the amazing number of people coming out to vote in primaries, caucuses, town hall meetings, and debates, the people are angry. They are demanding to be heard, and they have had enough with business as usual. What does…

Product Spotlight! Ingle Discover Canada Plan

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

Introducing: Allianz Global Assistance

In January 2015, Travel Insurance Coordinators (TIC) and Allianz announced they were merging into one of the world’s largest providers of travel insurance and assistance. The union, which was formalized on November 16, 2015, boasted a rebrand: Allianz Global Assistance. According to Canadian CEO Daniel Wichels, the positive impacts of the unification will be felt across the board. Partners, their customers, and future business will fully benefit from this complementary growth landmark. In the CNW press release on the merger, Wichels also noted that “this combined entity will leverage the strengths of two of Canada’s leading travel insurance companies to enhance their product and service offerings.” The history of Allianz Allianz stands tall on the backbone of 125 years of industry experience, and its presence is felt across the world in many different spheres. It has financial institutions based in Europe and Asia and provides sponsorship opportunities across Europe, South…

Protect Your Travel Investment in Times of Terror

Ongoing travel reservations to most parts of Europe have taken an unexpected nosedive in the wake of the Paris attacks and Brussels terror threats. France, perennially the top tourism destination in the world (84 million visits in 2014—far ahead of second-place U.S., which had about 70 million) has seen advance reservations and sales to museums, hotels, restaurants, and the Eiffel Tower plunge by a half or a third since mid-November. Will tourism rebound? Barring any new or recurrent catastrophe, it probably will. But to normal levels? And will there be a new normal? We can only wait and see… What does this mean for your plans for the upcoming holiday season and into 2016? We suspect that most of you who had planned to travel will follow through with your plans. And so you should, albeit with some new or added protections built in. One thing is for sure: you’ll need…

Caribbean Alternatives to Cuba

The Caribbean, in summer as in winter, does not end at Cuba, or at the Dominican Republic, for that matter. And if you’re looking for alternatives to a soon-to-be-congested Cuba, you have plenty of choices. The governments and tourism officials of all Caribbean countries have been watching the U.S. détente with Cuba with intense interest. They know that the opening up of Cuba to America tourists will seize large amounts of business that could be going to them—and they need to defend their own economies. So look for deals coming out of alternative island nations, and consider them carefully. The Caribbean—even outside of Cuba—is a wondrously beautiful part of the world. Don’t neglect it. World tensions and delicate economies (not to mention Canada’s feeble dollar) have encouraged that neglect. Last year, Canadian leisure arrivals to Grand Cayman dropped by 1.9%; St. Lucia, 3.9%; Grenada (one of the most beautiful of…

Zika Virus: What You Need to Know

Everyone is talking about the Zika virus right now. Not since rubella have we seen an infectious disease with the ability to cause widespread fetal malformations. The situation has all the makings of a public health emergency, and we need to understand more about this virus. But let’s keep in mind the following five facts as we understand them right now: We do not know for sure that the Zika virus causes microcephaly in fetuses—other co-agents or other factors may be involved. According to the WHO, it will take between 6 and 9 months before we will know with more certainty. The same holds true for the potential relationship between Zika and Guillain–Barré syndrome, a neurological disorder that can cause paralysis. According to Dr. Isaac Bogoch, an infectious disease specialist at University Health Network in Toronto, the primary mode of transmission is mosquitoes—by far. Dr. Bogoch further states that…

Skipping Canada’s Medical Wait List? Here’s the Costs.

One of the most daunting challenges facing Canadians distressed by unreasonably long waiting lists for medical care at home is the cost of seeking it abroad, without any help from the government health insurance they have been paying into their whole working lives. True, in some cases provincial governments will pay for, or perhaps subsidize, pre-authorized medically necessary services in the United States that are not available at home in a “reasonable” time. But who can tell what is reasonable to someone struggling physically and emotionally with cancer or an unresolved cardiovascular or musculoskeletal condition? As we have reported in previous articles, roughly 900,000 Canadians are waitlisted, with their average waiting time just to see a specialist at over 18 weeks. Most will simply have to endure, since going abroad for medical care is expensive. There is no way to sugar coat that fact. But is it always an insurmountable…

Unleash Your Travel Beast

Jumping. Hiking. Biking. Surfing. Dancing. Bestriding. Chasing. Diving. Racing. A mosaic of movement against a backdrop of longed-for places like Hawaii, Thailand, Morocco, Chile, South Africa, and Iceland. Take a peek into the imagination of the Ingle crowd. How do you imagine? For more information on travel insurance, visit the Ingle International product page.

New Year, New Flu

Though a bit later than usual, the cold and flu season is back! And since freezing temperatures mean we are more likely to stay indoors, the flu virus gets a chance to spread quickly. Sure, the flu can be a nuisance, but it can also be very serious and should not be underestimated. Each year in Canada, influenza causes 12,200 hospitalizations and 3,500 deaths. Luckily there is a vaccine to protect us from this disease, and it’s not too late to get it. In addition to the flu vaccine, the Government of Canada also recommends you take the following measures to protect yourself and those around you against the flu: Wash your hands frequently. (If soap and water are not available, use hand sanitizer and keep a small bottle handy for easy access. And don’t be shy—use as often as needed.) Cough and sneeze into the bend of your arm,…

Gong Xi Fa Cai!

Chinese New Year, also known as Spring Festival, is a seven-day celebration of good fortune, happiness, and prosperity. Preparation includes freeing homes of misfortune through thorough cleaning and sweeping and also extends to personal grooming practices, with many folks getting their hair cut until the eleventh hour. Chinese New Year begins with a reunion dinner and ends with the Lantern Festival. During the reunion dinner, whole families get together at home or a restaurant to eat dumplings and noodles, among other fine foods. In anticipation, we hit the streets of Toronto’s Chinatown to get the skinny. After stopping in to a few places, we can definitely say that family and food are the focal point of this holiday of luck. Henry of Henry’s Salon was quick to point out the differences between Chinese New Year in China and Chinese New Year in Canada, as well as their contrast to Canadian…

Mosquito Power: Don’t Test It

Travellers, particularly pregnant women, heading to Zika-prone areas need to stay alert. We’ll help you with that as warmer, wetter weather approaches and mosquitos come out of hiding to feast on bare skin. To date, the Zika virus has been carried primarily (as far the experts know) by the Aedes aegypti species of mosquito. But there is growing suspicion that Aedes albopictus is a potential carrier. If this turns out to be the case, the risk area for Zika virus transmission will explode. The highest risk identified to date is throughout the entire subtropical and tropical area of North America: the Caribbean, Mexico, Central America, most of South American (except Chile), and the southern U.S.—mostly Florida, the Gulf States, including Texas, the southern Atlantic coast region, and southern Arizona. If Aedes albopictus, which is common well beyond A. aegypti’s range, becomes a co-conspirator and joins the latter transmitting the Zika virus, then the entire area south of…

Zika “Emergency” in Florida—What Does It Mean for Canadians?

Florida Governor Rick Scott has declared a Zika-related public health emergency in five counties—Miami-Dade, Broward (Fort Lauderdale area), Hillsborough (Tampa area), Lee (Fort Myers area), and Santa Rosa (western Panhandle), citing confirmation of at least 12 cases of the virus. All of the cases are travel-related, i.e., the virus was contracted outside of the state, and the number is expected to rise over the next few days. The emergency order directs health and agricultural authorities to implement stringent mosquito control activities (spraying, removal of standing water, etc.) in all residential areas in those counties and to use any other measures deemed necessary to limit mosquito habitats. Said the governor: “[…] we have to ensure Florida is prepared and stays ahead of the Zika virus in our state.” His announcement is expected to be followed by similar actions in other states where Aedes aegypti (the mosquito species known to transmit the…

The Zika Virus Advances: Part 2

Since early January, when we first alerted you to the emergence of the Zika virus throughout the Americas, the impact of this mosquito-borne disease has been dynamic—even inducing several governments to advise pregnant women to avoid travel to a growing number of Zika-prone countries. The reason for singling out pregnant women (or those who might become pregnant) is that the Zika virus has been linked to an extraordinary surge of microcephaly—a fetal deformity resulting in unusually small heads and brains in newborns. The epicenter of this surge, and the region where it has been aggressively researched and documented, is Brazil, where almost 4,000 suspected cases were identified in 2015—30 times more than in any one-year period since 2010. Were it not for this link to newborn microcephaly, we likely wouldn’t be talking about Zika today, since its other manifestations are relatively mild (fever, rash, headaches, joint paint, and conjunctivitis) and…

Travel Warning: Zika Virus Invades The Americas

If you or someone you know is planning to travel to the Caribbean, Mexico, or Central or South America, you need to be aware that a locally transmitted case of a newly detected mosquito-borne virus has recently been reported in Puerto Rico and Mexico, raising concerns that it could soon make its way to South Florida and South Texas. Outbreaks of the Zika virus had been previously reported in Africa, Asia, and the Oceania–Pacific regions. However, in December 2015, the Pan American Health Organization (PAHO) reported confirmed cases of Zika infections in Brazil, Colombia, El Salvador, French Guiana, Honduras, Martinique, Mexico, Panama, Puerto Rico, Paraguay, Suriname, and Venezuela. Locally transmitted means mosquitos in these areas have been infected with the virus and are spreading it to humans. Now let’s make one thing clear: the Zika virus is no Ebola or SARS. So far, the virus has not been linked to…

Product Spotlight! Silver International Student Plan

This month’s Product Spotlight highlights Ingle’s Silver International Student Plan. This cost-effective plan provides coverage to International Students visiting Canada and is also applicable to their teachers, parents, guardians, spouses, and dependents.   It grants dental services, prescription drugs, transportation costs, and allows for travel outside of Canada. With numerous advantages, it is a practical option that International Students are encouraged to take advantage of.  Purchase your plan before you arrive in Canada. Key benefits of the Silver International Student Plan include but are not limited to: Daily rate $1.45 Annual rate $495 Inclusive physician and hospital fees Maternity$5,000 (for emergency expenses only) Minimum Policy Premium $40.00 Maximum Sum Insured$2,000,000 Dental Services up to $2,500 Ambulance Ground $10,000 Taxi $100 Air $250,000 Don’t wait to buy this student effective plan. Enjoy studying abroad in Canada, while receiving assistance at the same time! For more Information please click here

Canadians Looking Abroad for Health Care: Part 2

Last week we reported on the Fraser Institute’s 2015 survey showing that increasing numbers of Canadians, fed up waiting for medically necessary, non-emergency health care services at home, were looking to foreign hospitals—primarily in the US—for quicker solutions. If you are one of the more than 900,000 Canadians wait-listed for a medical procedure (or if you haven’t yet even made the list), you might want to explore the international option. But we caution you, this is not a game for amateurs. You should seek help. You’re not shopping at a U.S. BestBuy for a 72-inch 4K television… Your first step to seeking health care abroad should be your own physician—your family doctor, or your specialist, if you have already endured that wait. Canadian physicians have good contacts with their U.S. peers; many have gone to school together, done internships or residencies in the same hospitals, or perhaps have already made…