Visitor to Canada

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COVID-19 Visitors to Canada FAQ’s

Effective Date: March 26, 2020Please note: This FAQ document replaces any and all previous versions. Currently Available in English Only. Can I receive COVID-19 testing even if I have no symptoms? Since medical benefits are largely limited to expenses related to unforeseen emergencies requiring immediate attention, elective testing for COVID-19 is unfortunately not covered. If you are in Canada, please check with your province’s Ministry of Health for COVID-19 testing details. For example, in Ontario, COVID-19 testing is covered at no charge, regardless of your eligibility under the Ontario Health Insurance Plan. Where do I go for COVID-19 testing? If you are in Canada, please visit the website for your province’s Ministry of Health to view a list of assessment centres in your area. Are over-the-counter COVID-19 screening kits (such as those available in pharmacies) covered? Unfortunately, over-the-counter medications, including screening kits, are not covered. Does my policy cover medical…

Stay in Place. Follow Official Guidance. This will End.

By Milan Korcok By now, all Canadians who have been abroad should either be at home or in the final process of getting there. The coronavirus COVID-19 has changed our lives, and perhaps, when we come out at the other end of this trial, we’ll all be better off for it. We’ll be better prepared to deal with any such disruption in future, more cognizant of how vulnerable we really are when we travel to environments not our own. For now, travel is not in our immediate future. For Canadians, some of the most inveterate travellers on earth, that may seem like a forbidding challenge. But this too will pass and when it does we may view travel as more of a privilege than a human right and we’ll be more careful about our choices, our preparations, our own untidiness when it comes to making plans, our own consideration for…

Cruise Lines Roll Out Deep Bargains During Virus Threats… Interested?

By Milan Korcok Cruise lines are now offering deals you wouldn’t have believed possible even a couple of weeks ago—obviously not to China or other western Pacific regions, but anywhere else—to the Caribbean (which normally attracts 32 percent of the world’s cruise traffic), to Mediterranean waters (forget Italy), Alaska and the rest of the world. They have suffered severe business losses since the COVID epidemic spread, and they intend to stay afloat during the current tempest. It’s a buyers’ market, for either short or long term bookings. Should You buy? That’s your personal decision and your willingness to take on risk. Dr. Anthony Fauci, head of the US National Institute of Allergy and Infections Diseases, and consultant to the White House COVID response team, has advised that anybody with a serious underlying condition, and especially persons over 60 with serious conditions “should not get near a cruise ship.” Canada’s PHAC…

5 Inspiring Women Travellers You Need to Know

Today we celebrate International Women’s Day—and in the spirit of trailblazing women, we want to honour the experiences of some of the most inspiring female travellers from around the world. From a world-record holder, to a decorated Paralympian, to the creator of a supportive community for adventurous travellers of colour, there is no limit to the heights these intrepid travellers can reach. Let’s jump into their amazing life stories to celebrate these women’s courage and love of travel! Lhakpa Sherpa In spring 2000, Lhakpa became the first Nepalese woman to summit Everest and descend alive, and she has continued to make history since: she holds the world record for women climbers of Mount Everest after reaching the summit nine times. Raising her three children by herself after ending years of abuse in her marriage, Lhakpa has let no obstacle keep her from her adventures; she frequently works many jobs to…

Coronavirus Advisory for Italy and Neighbouring Countries

February 25, 2020: Travellers planning trips anywhere to Europe in the near future need to stay tuned  to government and media alerts now that COVID-19 has seriously impacted Italy and begun its spread to neighbouring countries. As of this date, more than 200 Italians have been confirmed positive for the virus and seven have died—the heaviest toll of any country in Europe. Though most of the cases reported to date have been clustered in northern Italy, a late report has just been received of a positive confirmation of coronavirus in Sicily, southernmost Italy. And according to Germany’s DW (Deutsche Welle) News service, Austria has confirmed its first two cases of the coronavirus—detected in two Italians living in the Tyrol region who were likely infected on a recent trip to Lombardy (encompassing Milan) in northern Italy. Croatia has also reported its first confirmed case in a young man who returned from…

StudyInsured to Sponsor Former NHL Star Theo Fleury as Keynote Speaker at Conference of Canadian Association of Public Schools – International (CAPS-I)

TORONTO, FEBRUARY 25, 2020 – StudyInsured is pleased to announce its sponsorship of former NHL star Theo Fleury as keynote speaker at the Canadian Association of Public Schools – International (CAPS-I) annual conference in Vancouver, British Columbia this April. The conference provides school administrators, homestay families and other support agents of international students in Canada with the opportunity to exchange information about pressing issues in international education. This year’s theme is “Responsibility and Sustainability in International Education”. Best-known as a former NHL All-Star, Stanley Cup winner and Olympic gold medallist, Fleury’s off-ice contributions as a motivational speaker are even more inspiring. In sharing his own visceral story about overcoming trauma and addiction, he hopes to empower others to face their demons and foster healing through open conversation. Fleury’s message of hope comes amid a growing awareness of the need to support mental health initiatives for international students in Canadian…

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…

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…

Protect Your International Visitors: Canada’s “Free” Health Care Isn’t Free

If you’re one of the many Canadians who considers your health care “free,” it is so only in that you don’t have to pay for medical or hospital services at the time when you are treated. But pay for it you certainly do, every time you buy a car or a pair of socks, go to a ballgame, or pay for virtually any transaction that is taxable. In fact, about 40 per cent of most provincial budgets are eaten up by health costs, and according to the most recent data available from the Canadian Institute for Healthcare Information, total health costs in Canada are expected to reach $7,068 per person in 2019 once all the data are tallied. That’s one of the highest costs for health care in the world—except for the US. And that is something to consider, seriously, when inviting relatives or friends from other nations to visit…

5 Reasons Travelling With MSH Navigator Keeps You Safe

What is MSH Navigator? You can find everything you need in one place with MSH Navigator! MSH Navigator is a mobile app that saves time and gives travellers quick access to their most needed medical and emergency resources while travelling abroad! MSH Navigator allows travellers to feel safe and travel with confidence wherever they are in the world. Top 5 Reasons To Travel With MSH Navigator 1 – One-touch quick access to our emergency assistance number in case of medical and security emergencies. 2 – Find a nearby medical facility. Some of our providers can direct bill for you so you don’t have to pay out of pocket. 3 – Submit a claim on your phone quickly. 4 – Access to wallet card with policy information 5 – Real-time geo-targeted notifications for travel warnings and alerts How To Get MSH Navigator Any MSH policy you purchase from us will give…

Guillaume Deybach Joins MSH International (Americas) As Chief Operating Officer

MSH International (Americas) has appointed Guillaume Deybach as Chief Operating Officer (COO) of its North America division and General Manager for the United States market. With extensive management experience spanning over 20 years, Deybach brings valuable leadership to the MSH executive team during a crucial period of growth. As COO, Deybach will lead the company’s operations as well as its expansion into the United States. Having served most recently as President and CEO of GeoBlue, he transformed the company’s strategic growth and increased customer satisfaction and profitability. Prior to his role with GeoBlue, he served as President and CEO of Europ Assistance North America for 14 years, transforming its assistance offerings and client portfolio, and growing revenue through organic growth and acquisitions. “Deybach will oversee the operations team as well as the distribution process and development life cycles for MSH International (Americas) products,” said Robin Ingle, CEO of MSH International…

10 Things I have Learned About Human Trafficking Since Launching Our Task Force

In the run up to 30 July – World Day against Trafficked Persons, which is calling for governments to take more stringent action to fight Human Trafficking, I took the opportunity to reflect on what I have learned about the issue since WTTC launched its Human Trafficking Task Force at the 2019 Global Summit in Seville, April this year. Human Trafficking is a big money ‘business’. According to the International Labour Organization, Human Trafficking is an illicit industry worth more than $150 billion annually, which is equivalent to the entire tourism economy of Brazil ($152.5 billion). 2. Human Trafficking affects everyone, everywhere. Victims of Human Trafficking are men, women and children, and they can be found in every country in the world. An estimated 24.9 million people are trapped in forced labour: 16 million of which are exploited in the private sector, 4.8 million in forced sexual exploitation, and 4…

Ingle & MSH join task force to halt human trafficking

We are proud to team up with the WTTC (World Travel & Tourism Council) to bring awareness and work towards halting the spread of human trafficking around the globe. Our industry has a unique opportunity to educate our partners and clients on activities that can make a real difference. For immediate release… To mark World Day Against Trafficking in Persons (July 30th), the World Travel & Tourism Council (WTTC) today calls on governments across the globe to adopt more stringent measures in the fight against human trafficking, and specifically to support Travel & Tourism initiatives that aim to curb this illicit activity. Human trafficking generates an estimated $150 billion in illegal profits annually. In comparative terms, that’s the equivalent of the entire tourism economy of Brazil ($152.5bn). Trafficking relies on the travel industry to operate – not only across borders, but also within – using legitimate operations to illegally move…

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…

Tour Canada From Coast to Coast – Part 2

If you haven’t seen Part 1 of our Coast to Coast Tour, click here! Now is the perfect time to visit the Great White North! Ready to dive in and find your next Canadian destination? Home to Toronto, Canada’s largest and most populated city and main economic hub, Ontario not only has a vibrant city life, but many outdoor beauties to see including the world-famous Niagara Falls, a multitude of provincial parks, and the Great Lakes. With popular landmarks like the CN Tower and Canada’s parliament buildings, Ontario is Canada’ most visited province, and offers a panoply of multicultural foods and festivals for your delight. Quebec is where you will find the descendants of French settlers known as French Canadians. Besides the French language, you can find European influences in the local culture, food, and architecture, all of which combine with historic charm. Iconic landmarks like the Chateau Frontenac, Notre…

Tour Canada From Coast to Coast – Part 1

Now is the perfect time to visit the Great White North! It may be heating up everywhere else in the world, but in Canada, the weather is just warming up, offering the most comfortable temperatures for you to explore the jaw-dropping wilderness or bask in the city multicultural city life. Low season lasts until late June and offers great pricing options for travellers. July and August are high season, but if you book at least 3 weeks before your departure, you can still find below-average pricing for your getaway! Dive in and find your next Canadian destination! Armed with miles of picturesque coastlines, British Columbia offers the popular Stanley Park seawall where you can go for a scenic leisure walk or try cycling for a good workout. Challenging hikes up the Rocky Mountains are perfect if you crave adventure. The Capilano Suspension Bridge also offers great photo ops and an…

超级签证保险:常见问题

如果您的父母或祖父母希望长期(每次最长 2 年时间)留加,而您是加拿大永久居民或加拿大公民,超级签证是最好的选择。但是别忘了您需要为您的父母或祖父母购买超级签证保险来为他们在加拿大停留期间提供保障。 以下是关于超级签证保险的常见问题解答: 我需要的最低保额是多少? 您至少需要 10 万加元的保额 — 我们所有的保险计划都可以提供。 是否有年龄限制? 一些保险计划有限制,但是我们有适合任何年龄的保险计划。 我需要投保多长时间? 您必须投保一年。 如果我的签证被拒该怎么办? 提供拒签证明即可获得全额退款。(如果没有提供拒签证明,您可能会被收取最高 250 加元的手续费用) 如果我的签证通过了,但旅行日期变了该怎么办? 您可以在保险生效前联系您的代理来更改您的投保日期。 如果我只在加拿大停留 1 个月,我可以只购买一个月的超级签证保险吗? 您必须购买一年的保险才有资格申请超级签证逗留加拿大。回国后您可以申请部分退款(需提供您提前回国的证明和无保险索赔申请)。大多数保险公司会收取小额费用,通常为 25 加元。 如果我在一年期满前离开加拿大,我能获得退款吗? 回国后您可以申请部分退款(需提供您提前回国的证明和无保险索赔申请)。大多数保险公司会收取小额费用,通常为 25 加元。 如果我打算在加拿大逗留两年,我可以购买两年的保险吗? 不可以,保单一年一签。但是,在您临近第一年结束时我们可以为您更新保险计划。 如果我顺路去其他国家旅行,我的超级签证保险能提供保障吗? 加拿大访客保险计划允许顺路游,前提是至少 51% 的投保日期是在加拿大度过的。旅行的起止地点都必须在加拿大。 是否覆盖投保前已存在的疾病? 是的,只要符合一定的稳定性要求,年龄在 79 岁以下的游客的大多数已存在疾病都可以得到保障。对于 80 岁及以上的游客,经详细的医疗问卷调查和保险公司批准后,可带病投保。 如何付款? 信用卡或借记卡。 我可以按月付款吗? 不行,必须提前支付全部保费。 有没有办法降低我的保费? 有!您可以利用免赔额来降低您的保费。欢迎随时联系我们了解此选项的更多信息。 加拿大访客 加拿大是世界上面积第二大的国家。您可以无忧无虑地探索这个多元文化国家。无论是徒步探索阿尔伯塔省的落基山脉,还是在多伦多的加拿大国家电视塔体验世界上最高的免手扶边缘漫步,我们都可为您提供保障。 了解更多信息,请访问 https://www.ingleinternational.com/en/travel-insurance/visitors-to-canada,或致电 1-800-360-3234 或发送电邮至 helpline@ingleinternational.com.agent@ingleinternational.com

Welcome to Canada – A Traveller’s Guide to Staying Safe and Healthy While Visiting Canada

Whether visiting family or friends for a short period, touring the country, or planning to immigrate, visitors to Canada are vulnerable to the costs of the Canadian health care system. According to the Canadian Tourism Commission, Canada receives over 17 million visitors each year, and each one of them should have travel health insurance to protect them against the high costs of health care in Canada. Health Care in Canada is not free! Visitors need to know that foreign insurance plans may not cover Canadian medical costs and most government health insurance plans in countries around the world will not cover accidents or medical emergencies incurred by their residents while travelling in Canada. Canadian provincial health insurance does not cover non-resident visitors, even if they are visiting family – uninsured visitors are expected to pay in full for medical bills incurred in Canada. Also, provincial health care in Canada can…

As Drinking Laws Relax, You Need to Stay Alert when Travelling

To many foreign visitors, Ontario’s drinking laws have long been a source of bemusement, and some frustration. I have often heard from friends and colleagues that, as much as they enjoyed what Canada has to offer, they were somewhat confused—or even embarrassed—when a waiter or hotel worker told them it was too early in the day for a Bloody Mary with their brunch. Or that if they wanted a beer or wine, they could only be served in some dark and enclosed location, not here on a sunlit patio. But with the impending relaxation of alcohol consumption laws, just announced, visitors to Ontario should find it somewhat friendlier and less intimidating to order their favourite beverage in a pleasant outdoor location, open to the sky. Times have certainly changed, and there will still be many people who decry the easing availability of alcohol in daily life. But for travellers leaving…

Super Visa Insurance: FAQ’s

For those visiting Canada long-term (up to 2 years at a time) and are parents or grandparents of permanent or Canadian citizens, Super Visa is the way to go. But don’t forget you will need Super Visa insurance to cover your stay in Canada! Here are answers to the frequently asked questions we get about Super Visa insurance: What is the minimum amount of coverage that I need? You need at least $100,000 of coverage – which all of our plans can provide. Is there an age limit?While some plans have limits, we have plans available that can cover you at any age. How long does my coverage need to be?You must be covered for one year. What happens if my visa is denied?You can get a full refund on your insurance with proof that your visa was denied. (If no proof of denial is provided, you could be charged…

10 Ways to Save on Travel Insurance

Are you or your clients concerned about the costs of travel insurance? What’s better than saving money and spending it elsewhere on your travels? Here’s 10 ways to save on travel insurance while getting comprehensive coverage! 1 – The more often you travel, the better the deal. Consider a multi-trip annual plan! They end up being significantly cheaper (and more convenient) than single-trip plans if you travel more than once a year. 2 – Travel in twos? Make sure to take advantage of your companion discounts! Your travelling companion does not need to be a family member – as long as your travel arrangements and trip dates are the same, you can save a few bucks. 3 – Travelling with family? Get family rates! They are cheaper than individual rates for families of 3 or more. Typically, rates are only 2 times the price of the oldest family member’s policy…

Ontario Terminate All Out-of-Country Medical Payments

The Ontario government’s announced intention to terminate all coverage of unexpected medical emergencies for residents travelling out of the country as of October 1, 2019 appears to be a clear violation of the Canada Health Act. But that has not prevented the Ontario government, and all other provinces and territories, from short changing their own travellers for years by paying foreign hospitals absurdly low reimbursements for taking care of them when they travel out of the country. Ontario has been paying up to $200 CAD per day per patient in a standard room, $400 in intensive care, and $50 CAD for an outpatient visit—leaving it to private travel insurers to pay the great bulk of remaining costs (usually well north of 90 percent). And though the Ministry of Health and Long Term Care (MHLTC) contends that the termination of the OOC program will have no impact on 99.5 percent of…

Hungry for Food Travels?

Among the best reasons to travel is indulging in all sorts of traditional, cultural and exotic foods available around the world. Let us take you on this food journey—we guarantee you’ll want to book your next flight! Home to many Michelin starred restaurants and “Jiro Dreams of Sushi”, you will find that food in Japan is an art form. Authentic handmade udon and ramen will change your perspective on noodle soup forever, and carefully crafted Japanese sushi is an experience unto itself. Even shopping at the grocery store is fun in Japan, with unique packaging and creatively designed food making each trip a novelty. Tokyo is the eating capital of Japan, with over 160,000 restaurants to choose from—but since restaurants don’t open until 11am, it’s better to space your meals out during the day. Don’t forget to check out the fish markets early in the morning for a new food…

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…

Warnings on Virtual Kidnapping Targeting Chinese Students

A warning to international students, brought to you by StudyInsured. A new (but old) scam is underway, specifically targeting Chinese international students: virtual kidnapping. It sounds bizarre when you first hear the words—how do you kidnap someone virtually? Doesn’t kidnapping require a person to be… physically there? Apparently not. Scam artists have had to up their game and get more creative with their schemes over the years as security measures have been tightening up and the general population has become more aware of when someone is trying to defraud them. In comes virtual kidnapping. While Canada is overall a safe destination for international students, travelling such a long distance away can naturally cause anxiety for students’ parents and loved ones left back home. This scam seeks to play on those fears by inventing a danger to the student that isn’t actually there. The history It started as a…

New Canadian Biometric Requirements in Place for International Students and Other Visa Holders

As of July 31, 2018, international students applying for Canadian student visas from Europe, the Middle East, and Africa are required to provide biometric facial photos and fingerprint data to Immigration, Refugees and Citizenship Canada (IRCC) officers when entering the country. The requirements will also apply to applicants for visitor, work, permanent residency, or refugee asylum visas. Applicants already in Canada are temporarily exempt from the requirements pending the establishment of biometric application processing centres in Canada starting in 2019. Canada’s Biometric Initiative program, which is designed to ease legitimate travel to Canada while protecting national security and preventing identify fraud, will be extended to applicants from Asia, Asia- Pacific, and the Americas starting December 31, 2018. Canada already collects biometric data from refugee applicants from 30 countries. Tourists from visa-exempt countries with valid Electronic Travel Authorizations (eTA) are exempt from the requirement, as are: Canadian citizens US nationals Citizenship…

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…

International Students Love Montreal

Once again, Montreal has been ranked as the top North American city for international students in the highly prestigious QS University Rankings for 2018, the only Canadian city to make it to the top 10 most favoured slots. Noted by QS as Canada’s “cultural capital,” Montreal is applauded for its “multicultural makeup and inclusive ethos” as well as its laidback yet lively lifestyle, attractive boulevards, thriving creative industries, café culture, eclectic range of arts venues and nightlife—not to forget its internationally ranked universities. (McGill is currently ranked as 32nd in the world, and both the University of Montreal and Concordia University have also achieved respectable rankings.) To put matters in a tighter perspective, Montreal has slipped out of last year’s first-place ranking to be replaced in the #1 spot by London, then Tokyo, then Melbourne, in that order—but it remains ahead of all other Canadian cities and any or all…

Applying to a Canadian University? Join the Throng, But Plan Your Health Insurance Well

As Canadian universities step up recruitment of foreign students—whose tuition may range up to two or three times that of domestic students, depending on the province—some questions are being raised about the perception that domestic applicants may be losing out, even when they have higher grade point averages. In a contentious research report, University of British Columbia economist and associate professor Peter Wylie observes that some BC high school graduates are being denied entry to campuses of their choice or even forced to go out of province, while international students with the same or lesser grade point averages are being accepted. In response to Professor Wylie’s comments, UBC Vice-Provost Pamela Ratner, who oversees enrollments, charges that “it is a myth that international students displaced domestic students.” She adds that “international and domestic students do not compete with each other when UBC is reviewing student applications; they are adjudicated in separate…

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…

E-cigarettes: The Rise of Vaping and its Effects on International Students

Are you an international student? Do you smoke e-cigarettes? If you answered yes to both, then it may be time you double-checked the small print on your insurance policy. Many insurance plans do not cover injuries incurred while under the influence of illicit substances, something that is becoming increasingly common to add to e-cigarette devices. E-cigarettes (otherwise known as vapes) became hugely popular in the North American and European markets in 2009, with sales experiencing exponential growth ever since. It’s estimated that Canada has between 308,000 and 946,000 vape users, with numbers steadily climbing each year. Despite many governments around the world—including the US and the European Union—introducing new regulations to govern vaping, there has been a surge in children and young adults who are up the habit. It is believed that today more high school children and college students use e-cigarettes than those who smoke. While some scientists believe…

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…

Mental Health: What it Means for International Students and How You Can Help

Travel blogs and the Instagram community have set a narrative, from the outside at least, that those who live abroad for an extended period of time are extroverts, with a healthy state of mind. This simply isn’t true, and I’m sure many of those bloggers will be the first to admit it. Travelling and studying abroad changes every aspect of a person’s life, and this, whether for better or worse (or both), has an impact on their mental health. Studying abroad takes courage. It requires a young person to jump into the unknown. The reality of studying abroad is that a young adult is taken out of their comfort zone; they are away from their childhood friends, in a different country to their family, and, in many cases, delving into an entirely new way of living and perceiving the world. This adjustment takes time. Those extra pressures are adding to…