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Do Your International Students Have COVID-19 Coverage?

This fall, StudyInsured™ will welcome new and returning international students, with full medical coverage from the day they arrive in Canada. As with all StudyInsured™ health insurance plans, this includes illnesses and expenses related to COVID-19, during and after quarantine. If you want to know more or have questions about your international student insurance coverage, contact any of our Student Team members listed below. We are always here for you and your students. CLICK HERE TO LEARN ABOUT THE CANADA TRAVEL EXEMPTION FOR INTERNATIONAL STUDENTS

We support the fight for Freedom and Justice

Dear colleagues, The past few weeks have served as a stark reminder of the horrific impact of anti-Black racism across North America. We have also seen diverse demonstrations of people around the world, banding together in a collective call for change. We, at StudyInsured™, support the fight against racism, prejudice and bigotry in all its forms. As one of the largest and longest-serving providers of international student insurance, we believe that the study abroad experience is transformational, helping to expand our world views and teach tolerance and respect for each other. While Canada outwardly celebrates diversity, international students within our borders have sadly, been subjected to acts of bullying, racism and discrimination. In the spirit of actions speaking louder than words, we want to empower our partner schools with useful tools in the fight against social injustice through the following initiatives: A cyberbullying toolkit, outlining strategies to help educators identify…

Travel Insurance is Not “Optional” in Navigating the Pandemic

If ever there was ever a time for Canadians to consider travel insurance mandatory—this is it. With much of the western world inching toward re-opening leisure (non-essential) travel, the prospects for mandatory temperature checks, health status certificates, quarantine requirements, and unexpected cancellations are expected to last for the remainder of 2020 and perhaps into 2021. And if an illness, or even a high temperature reading, can force you into a 14-day quarantine (imposed either by your host country or your own government) consider the cost. To date, most governments (Canada’s included) have strongly urged travellers leaving their country to get the best medical and trip cancellation/interruption insurance possible. Their travel advisory websites have gone to great lengths describing the types of insurance available and the situations that can trigger the need for cover. The need for this was clearly illustrated when the Canadian government sent chartered airliners across the Pacific…

From StudyInsured: A Message of Commitment COVID-19 COVERAGE

I hope this message finds you, your families, friends and colleagues safe and healthy during this difficult time. From the onset of this crisis, we, at StudyInsured, responded quickly. Since last December, we have provided assistance and support to clients around the world, including China, India, the United Kingdom and Europe, as they experienced the effects of COVID-19. Knowing full well that our partner schools would need more than medical coverage, we mobilized tools, information and support resources. Even with these new developments, our services, coverage and above all, our commitment to you remains unchanged. This commitment includes coverage for illnesses and/or expenses related to COVID-19. To be clear: advocating for international travel and education, supporting schools with scholarships and grants and providing international students with peace of mind is more than just a business for us – it’s been our pledge since 1946. We continue to work hard, even…

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

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

Battling COVID-19 Episode 7: Being Patient in a Challenging Time by Dr. Michael Szabo

Remember back in early to mid-March when the reality of COVID-19 was sinking in? Before that point, we knew it was an issue of concern, but we didn’t think it was much to stress over. However, we slowly began to realize that the virus was spreading in the community in North America. We heard horror stories from hospitals in Italy, where health care staff were overwhelmed. We began to see the same thing happening in New York City. All of a sudden, it changed, and our lives were altered dramatically. We immediately went into lockdown. We didn’t leave the house unless absolutely necessary. March Break vacations were cancelled. Restaurants and stores were shut down. Schools were closed. We started working from home. We carefully wiped down our groceries and washed our hands obsessively. I listened to a podcast recently where one of the speakers likened it to what happens when someone…

FREE Webinar on Re-engineering Readiness

Tues, May 26th, 2020 | 10:30 – 19:30 BST We are thrilled to announce that MSH Americas will be part of The Global Travel and Tourism Resilience Council full-day Virtual Summit, with more than 60 speakers representing travel and hospitality, national governments and NGOs and associated industries such as finance, communications, technology and healthcare. Key takeaways from this summit include how to: Assess the state of play for the industryIdentify new trends in travelEstablish trust in a post-lockdown worldBuild credibility and reduce fear through communication and action Speakers: Greg Land, Global Industry Leader, Hospitality & Travel, IBM Robin Ingle, CEO, Ingle International / MSH AmericasAkemi Tsunagawa, CEO, Bespoke Tony Smyth, SVP, iFree Group Carlos Cendra, CMO, Mabrian Technologies Moderated by: Lee Hayhurst, Editor, Travolution Click here for full conference agenda Join us for the FREE Re-engineering Readiness Summit that will take place from 10:30 – 19:30 BST on Tuesday, May 26. Sign-up Today!

Working Out at Home Like a Pro during COVID-19

As the world adjusts to life during the coronavirus pandemic, many of us are spending much more time at home than we usually would. Whatever routines we may have had just a few short months ago have had to adapt and change. And current social distancing guidelines meaning that in-person fitness classes are not likely to come back any time soon. The good news is that there are plenty of exercises you can complete in the comfort of your own home, right now—no fancy equipment required. Here are a few tips to help you make the most of your at-home workout. Start with bodyweight exercises Bodyweight exercises are just what they sound like: rather than relying on equipment or weights, they use the weight of your body—like push-ups and sit-ups, for example. This makes them easy to complete pretty much anywhere. (Just don’t forget to stretch first!) Here are some…

Are Snowbirds Ready to Plan for Life After Covid?

Any other year, Canadian snowbirds would be anticipating the release of early-bird travel insurance deals for the coming winter season in the US sunbelt or other warm subtropical location. June, July, August—that’s when insurers normally begin rolling out their products for the coming season. But this is not just any other year. The attack of Covid-19 coronavirus has seen to that. As we know, many of you got back north of the border by the skin of your teeth in late March and April before the border shut down. A few others didn’t quite make it and had to pay the price of quarantine. And now the quandary: what to do about winter 20/21? A lot of questions to deal with. When will the US/Canada border restrictions end? Will you feel safe travelling to your winter home? Will you have to wear a face mask all winter? How do you…

Time to Think About Travel Strategies—After Covid-19

That Air Canada expects the pandemic hangover to last at least three years, exposing the airline industry to endure its “darkest period ever,” portends deep instability for all aspiring travellers for the foreseeable future. Canadians and Americans have a lot of places to go and activities to enjoy within a day’s drive—anticipating that the border shutdown between our countries doesn’t last indefinitely. But without the sustenance of air travellers, the tourism infrastructure—hotels, entertainment venues, theme parks, all-inclusive resorts, and mom and pop roadside operations, can’t operate at full capacity and with complete menus for long. A winnowing of destination choices and services becomes inevitable. As Air Canada Chief Executive Calin Rovinescu said in a statement dated May 4, “We expect that both the overall industry and our airlines will be considerably smaller for some time, which will unfortunately result in significant reductions in both fleet and employee levels.” What you…

Battling COVID-19 Episode 6: Wearing masks properly by Dr. Michael Szabo

The decision by public health authorities on whether or not to recommend the use of face masks was a difficult one. One of the biggest reasons was that educating the public on how to safely wear a face mask is challenging, because of the many details involved. During my recent forays into the public, here are the top 5 issues I have seen with people wearing masks:  Pulling the face mask down over your chin.  This is probably the number one mistake.  After wearing a mask while outside for a walk or going to the grocery store, you may need to talk to someone more clearly, eat or just “want a break” from it – so you pull it down over your chin. By doing this, you effectively contaminate yourself with any virus particles that were on your mask prior to that. The rule is once you put your mask…

“Every Kid Needs a Champion”: Five Must-Watch Videos for Teacher Appreciation Week During Covid-19

Being a teacher isn’t easy, especially in a COVID-19 world with virtual classrooms and technological challenges. This Teacher Appreciation Week, we pay tribute to all teachers by sharing five heartfelt videos to show our solidarity with their efforts and appreciation for all they do: 1. Every Kid Needs A Champion | Rita Pierson Source: Ted Talks Education 2. A Teacher Appreciation Week for the Ages Source: Edutopia 3. Barack Obama Surprises Teachers for National Teacher Appreciation Week Source: NowThis 4. ‘This Will Be A Teacher Appreciation Week to Remember’: WCPSS Superintendent Cathy Moore Source: TheNews&Observer 5. Student Parade for Teachers Source: Wane.com To all teachers and school administrators, thank you for going above and beyond in your efforts to instruct, inspire and challenge students to believe in themselves🍎 – The StudyInsured Team

[Battling COVID-19 Episode 5] A Vaccine for Coronavirus: Are We There Yet? By Dr. Michael Szabo

The current COVID-19 pandemic has led to an unprecedented effort by scientists around the world to develop a vaccine. Vaccines are important to protect us where the risks of natural infection are significant. COVID-19 is a more deadly and dangerous virus than the flu. While we still do not have definitive data on the true risks of infection with COVID-19, one can safely say that places like New York City or Italy have never seen a flu season similar to what they are currently going through. Since mid-March, more than 60,000 people have lost their lives in the United States due to COVID-19. It is important to note that this has happened despite the institution of public health measures like physical distancing, quarantines and self-isolation. If not for these, thousands more would have died. Is Allowing Natural Infection a Good Option? One way to protect the population is to allow…

Five Self-Isolating Tips From A Nuclear Submarine Captain

The evolution of the brain is the most obvious example of how we evolve to adapt.Rick Potts, Director of the Human Origins program at the Smithsonian Institution National Museum of Natural History We’re all living in a new world, and the self-isolation that comes with it. As social beings, we’re used to living our lives by connecting and empathizing with others. Read on for some survival tips on how to cope with our new reality, as told by a nuclear submarine captain about his experience on a U-boat. 1. Ask questions: “How are you feeling today?” has become our new greeting – and that’s fine. We need to reach out to friends and family and check in every day. It instills empathy and reminds us to feel that we’re not alone. 2. Think first, act later: When living through stressful situations, we tend to act on instinct. Let’s slow down…

Cruise Bargains Sound Tempting. Can You Afford to Bite?

Despite the lingering images of cruise ships stranded at sea with passengers begging to be freed, the world’s cruise lines continue to drum up business for 2021 and even 2022. And bookings are said to be brisk–thanks to deep price-cuts and on-board cash value incentives. When US Centers for Disease Control and Prevention (CDC) lifts its “No Sail” order depends on when it considers the COVID-19 plague under control. And though cruising is a worldwide industry extending far beyond US ports, the world’s three biggest lines*are headquartered in Florida, and their vessels at some time or other sail in US-controlled waters patrolled by the US Coast Guard. Thus, CDC jurisdiction is quite clear. (*Carnival Cruises, Royal Caribbean, and Norwegian Cruise Holdings account for 60 percent of all cruise traffic). However, none of these lines, and very few others, are flagged in the US, thus they have not been included in…

Battling COVID-19 Episode 4: Why we need to keep physical distancing By Dr Michael Szabo

In Canada, our efforts to flatten the curve are going well. Thankfully, we haven’t seen the same surge of cases that hit New York City, Italy and Spain. Don’t get me wrong, those of us on the front lines here have seen a lot of cases, but so far, our health care system hasn’t been overwhelmed. While our good fortune has much to do with our heeding of public health guidelines, collective uptake of physical distancing rules and staying home as much as possible, I’m still a little worried. There is something about our human nature that concerns me. At times, public health strategies can become the victims of their own success. Vaccines are a great example. The incidence of diseases that were once part and parcel of everyday life has been greatly reduced, and in some cases, eradicated completely with the advent of vaccination. As we don’t see these…

Is Coming Back to Normal, Good Enough?

It may be too early to think about getting back to “normal” once the threat, and the carnage, of COVID recedes. It could be that what was once normal just isn’t realistic anymore. In Europe, border-free travel between neighbouring states is no longer a given. We have seen how quickly self-preservation can overrule an ideological imperative. In North America, the unthinkable action of shutting down the “world’s longest undefended border” has actually happened—even though commerce continued and most “trapped” travellers eventually found their way home. But just the fact that it could be shut down came as a stunning shock of millions on either side of the so called 49th parallel who had come think that “crossing over” for a few days or half a year was a basic human “right.” It isn’t. It never has been. It’s a privilege. And it can be withdrawn if push comes to shove…quickly. Reality can be stark. How are these new “realities” going to colour our perspectives as…

[Battling COVID-19 Episode 3] Face Masks in a COVID-19 World: To Wear or Not to Wear? By Dr. Michael Szabo

Should we wear a face mask when out in public right now? It’s a question many people have since the Centers for Disease Control and Prevention (CDC) issued its new recommendation that people wear face masks when leaving their homes. Canada’s chief public health officer has echoed the recommendation. There is confusion because the CDC and the Public Health Agency of Canada had initially suggested that face masks not be worn in public. The flip-flop in recommendations has triggered many questions. It’s important to understand that, in a complex and evolving situation as this, it can be quite difficult to set a firm policy. As the situation changes, the risks and benefits of recommendations are constantly re-evaluated. In a way, it’s reassuring that agencies aren’t being rigid and are revising their guidelines based on the best available information, with the goal of keeping us all safe. However, the reason behind…

Battling COVID-19 Episode 2: From the Front Lines with Dr. Michael Szabo

With the increasing number of COVID patients presenting themselves to hospital emergency departments across Toronto, it’s a regular occurrence for me to come across several suspected cases while I’m working. Most are well enough to go home, but some are so sick that they need to be admitted. I find myself checking in on the test results of patients I have sent home, breathing a sigh of relief with each negative and feeling a knot in my stomach with each positive. The challenge with being an emergency doctor is that we see a lot of the bad outcomes. They are our reality. During a pandemic, it begins to feel to us like “everyone is dying” – but not everyone is. In fact, the majority of people recover from the virus. The increase in positive results will not only usher in a new reality but hopefully will reduce my own anxiety…

Spring Break Part Two: The Caribbean & South America

Feel like wandering a little farther afield than your typical Spring Break jaunt? Try venturing to one of these destinations closer to the equator for a tropical getaway. The Caribbean Mexico, Cuba, the Dominican Republic, and Costa Rica are Caribbean hotspots this time of year. It’s worth planning any excursions and activities well in advance. When it comes to dining, made-to-order food stations guarantee fresher and better-quality options. Seafood is a wise, and likelier cheaper choice, given the proximity of these locales to the ocean. Staying at an all-inclusive resort? Check the activity calendar for fun things to do—just be sure to verify what’s included in your stay. Brazil The Carnival of Brazil is a feast for the senses. Considered to be one of the world’s biggest parties, the five-day festival features parades with elaborate floats and thousands of dancers and drummers in the streets. Samba with the locals at…

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…

Companion Discount was made for Canadians!

Canadians love to travel, particularly when it involves jetting off with a family member or friend. In fact, the latest outbound data for travelling Canadians saw a new record set for the number of trips to overseas countries this past fall. Increased foreign travel has coincided with a greater need for travel insurance, particularly when considering some countries now request that travellers show proof of medical coverage before entering their borders. Travel insurance is important for a plethora of reasons (providing coverage for cancellations, health care, lost baggage, etc.), but did you know there’s a way to save your clients money on their insurance plan while still delivering them the best possible coverage to suit their needs? There’s something most travellers are missing out on when booking their travel insurance: the companion discount. What is a companion discount? A companion discount is a saving passed on to a client by…

Mental Health and International Students: What Educators Need to Know

Mental health issues are prevalent globally, and are one of the leading causes of disability at the workplace and even at school. While not adequately researched, it is well accepted by health care professionals that early intervention could be the key to reducing the burden of psychiatric disorders across an individual’s lifespan. However, there are considerable limitations to implementing early strategies for care. Limitations can be related to individual or societal beliefs about mental health and treatment seeking, diagnostic uncertainty, or systemic issues that result in a lack of resources. On the individual level, you as educators are in a unique position to have a positive impact on the mental health outcomes of your students. Why? For the very basic reason that a student or parent may not be ready to acknowledge the problem or may not be aware that there is a problem. Below are some key behaviours to…