# Monday, March 26, 2018
                 
Travel insurance offers emergency medical coverage in case of unforeseen sickness or accident while traveling. But does it cover everything that could go wrong on your trip? The answer to that is that it doesn't, and once in awhile travelers find this out the hard way. So why take a chance? Why not know for sure what you are covered for? Read on to find out about potential coverage pitfalls to especially look out for.
posted on Monday, March 26, 2018 7:22:06 PM (GMT Daylight Time, UTC+01:00)  #   
# Tuesday, April 18, 2017
                 
We live in an uncertain world these days. Unexpected weather events, natural disasters and terrorist attacks seem to occur on a regular basis. Yet people still travel around the world, going on holidays and looking to recharge the batteries and relax. But what happens if your travel plans are impeded by some unforeseen event? This is where trip cancellation and interruption protection comes to play!
posted on Tuesday, April 18, 2017 8:58:06 PM (GMT Daylight Time, UTC+01:00)  #   
# Thursday, January 21, 2016
                 
When Canadians think of health insurance one thing that usually does not come to mind is travel insurance protection. Yet many Canadian health insurance plans do offer some levels of travel medical benefits, depending on the type of health insurance and the carrier that is offering the plan. Read on for further details.
posted on Thursday, January 21, 2016 8:27:11 PM (GMT Standard Time, UTC+00:00)  #   
# Tuesday, December 9, 2014
                 
Many Canadians love to head south of the border in search of great shopping deals. Many Canadians also cross the border without travel insurance protection, figuring they can get back across the border if illness or an accident occurs. However, it doesn't always happen this way, and an extended stay in an American hospital as a result of a serious medical emergency such as a heart attack is possible. What is also possible is a gargantuan hospital bill!
posted on Tuesday, December 9, 2014 8:03:05 PM (GMT Standard Time, UTC+00:00)  #   
# Thursday, July 24, 2014
                 
We are sometimes asked if travel insurance covers acts of terrorism or war. The short answer to this is both "yes" and "no", depending on the type of travel insurance coverage as well as the insurance carrier that issued the travel policy. For the longer answer please read on!
posted on Thursday, July 24, 2014 7:00:13 PM (GMT Daylight Time, UTC+01:00)  #   
# Friday, December 13, 2013
                 
Snowbirds who travel out of country during the cold Canadian winter months are not covered by their provincial healthcare plan against medical bills due to injury or sudden illness. There are also several important things that Canadians snowbirds should consider when getting travel insurance protection.
posted on Friday, December 13, 2013 8:52:53 PM (GMT Standard Time, UTC+00:00)  #   
# Wednesday, November 6, 2013
                 
Canadians that travel within Canada and outside of their province of residence often assume that their provincial healthcare plan will cover all costs resulting from a medical emergency. Turns out this is not the case! Read on for further details.
posted on Wednesday, November 6, 2013 8:42:28 PM (GMT Standard Time, UTC+00:00)  #   
# Tuesday, August 21, 2012
                 
Use these 5 tips to avoid hassles when it comes to travel health insurance. Too often we hear about stories where people run into difficulties while traveling, many times not understanding what they are actually covered for. Most importantly, get the advice of an experienced travel insurance broker or agent (this article lists important questions that you should ask them).
posted on Tuesday, August 21, 2012 10:14:35 PM (GMT Daylight Time, UTC+01:00)  #   
# Friday, June 15, 2012
                 
When travelling abroad or coming to Canada it is important to know how pregnancy-related issues are covered (or not covered) by travel insurance. It is often assumed that both a pregnant mother and the expectant child can be covered, but often this is not the case.
posted on Friday, June 15, 2012 6:56:01 PM (GMT Daylight Time, UTC+01:00)  #   
# Friday, January 21, 2011
                 
very month or so, the main stream media picks up on a story about a Canadian traveling without proper coverage. Many of these unfortunate situations arise from a misunderstanding on the part of the client. Clients find out too late that their pre-existing condition is not covered by the policy they purchased. This is devastating since the client took the time and had the foresight to purchase coverage for their trip. This prudent move can be compromised quickly if pre-existing conditions apply.
posted on Friday, January 21, 2011 9:44:38 PM (GMT Standard Time, UTC+00:00)  #   
# Wednesday, May 26, 2010
                 
As of May 1, 2010, the Government of Cuba has declared that all travellers must be insured by a valid medical insurance policy prior to entering the country. This requirement applies to foreigners, Cubans living abroad, and foreign citizens who temporarily or occasionally reside in Cuba.

The Travel Health Insurance Association of Canada (THIA) has confirmed that Cuban authorities will accept either a Provincial Health Insurance card or proof of private travel insurance coverage to meet this requirement. Lacking either of these documents, visitors will be obliged to purchase insurance from a Cuban carrier upon arrival.

Travellers should carry the following documentation in compliance with the new requirements:
  • Valid Canadian passport
  • Cuban Tourist Card or Visa
  • Provincial Health Insurance card
    • Each family member should have their own
    • Should not be relied upon as the only form of medical coverage, as provincial health insurance is extremely limited in terms of out of country coverage and does not pay up front as required by Cuban authorities (Note: you will not be allowed to exit the country with outstanding medical expenses)
  • Certificate of travel insurance coverage
    • Must include visible policy number and insurer name
    • It is recommended that this notice lists all covered dependents as well
  • Copy of covered expenses
Travellers are urged to contact their insurance carriers to confirm that their benefit plan is recognized by ASISTUR, the official insurance and assistance entity in Cuba. Those who are covered through their employers should do the same.

HealthQuotes.ca has received confirmation that two of Canada’s leading insurers – Standard Life and Sun Life Financial – have made the necessary arrangements with Cuban authorities. Both Europ Assistance (the travel provider of Sun Life Financial) and AXA Assistance (the travel provider of Standard Life) are recognized by ASISTUR.

We are confident that all other major insurers will follow.

For more information, please visit:
Note that travel insurance can be obtained through the HealthQuotes.ca website, or by calling a licensed advisor at 1-800-474-4474.

posted on Wednesday, May 26, 2010 1:21:39 PM (GMT Daylight Time, UTC+01:00)  #   
# Wednesday, April 22, 2009
                 
Canada has now been in the news twice in the past week due to Canadian travelers experiencing difficulties. One incident was the hijacking of a Canadian commercial flight in Montego Bay, Jamaica, that was ultimately destined for Cuba. The other incident relates to Conquest Vacations not paying their bills, leaving Canadian tourists stranded as many were forced to come up with money for their hotel bills, which were included in their travel package.

Stephen Fray, a 20 year old Jamaican resident who has been described as being 'mentally challenged' stormed a CanJet Airlines flight, armed with a loaded gun. Fray forced his way past airport security, barging onto the jetliner and took the crew hostage. He fired a shot that grazed the co-pilot's face and then demanded to be flown off the island. The situation was ultimately resolved when a unit from the Jamaica Defence Force Counter Terrorism Operations Group stormed the aircraft and arrested the disturbed young man after 8 hours of negotiations did not resolve the crisis.

This incident however, is raising questions about airport security around the globe. In a post 911 world, where airport security has been dramatically increased, it's disturbing that an armed man with mental health issues could reach an aircraft with relative ease. Security personnel at Sangster International Airport are not armed. A former senior immigration officer at Pearson International Airport who is also an expert in terrorism and national security, said that this hijacking could have happened anywhere. He raises the question of airport security personnel being armed, being sufficiently trained to deal with this type of situation, as well the distance between the security check and the aircraft, where ideally there would be enough time and distance to intercept someone before they had the opportunity to approach a waiting plane.

Approximately 1,600 Canadian travelers were recently stranded when Conquest Vacations suddenly went out of business on April 15, 2009, citing the current economic downturn for their business failure. Other reasons that they stated for their now defunct operations includes price wars with other major tour operators, overcapacity and unrealistic and unreasonable demands by credit cards companies. When Conquest suddenly and unexpectedly (at least to Canadian consumers) shut their doors, they claimed that current vacationers would not be affected; however that statement has proved to be false. Canadians who were on vacations that had been booked through Conquest were suddenly faced with demands for their hotel payments, which they had already paid through their booking. Some Canadians who were stranded in Mexico reported that hotel security demanded payment immediately; if not paid they threatened to call Mexican police. Some were suddenly locked out of their hotel rooms until payment was made; there is a report stating that one traveler was denied their medication that was in their hotel room, and became quite ill as a result of this delay. As well, some vacationers who assumed they had a paid airline ticket back to Canada were faced with the realization that this was possibly no longer the case. With banks being closed on the weekend, some travelers had difficulties getting money wired to them in order to fulfill these unexpected financial demands. The hotels were demanding payment that Conquest had not honored, and had not informed anyone who had booked through them that this was a possibility.

Because Conquest has shut down business as opposed to filing for bankruptcy, Canadians who have booked through them and have paid in full will have to wait up to 6 weeks to get a refund on their credit card, as there is an investigation pending. For those who have already booked vacation time from work and booked their vacation, and do not have the financial resources to pay again while waiting for their refund, this effectively means that they're out of luck. All future bookings made through Conquest will not be honored; these vacations need to be rebooked through another tour operator. They will have to seek refunds through their travel agent, credit card company, and/or through Conquest itself.

There has been a lot of criticism regarding the Travel Industry Council of Ontario (TICO) and their responsibility regarding whether or not they adequately protected consumers. Ontario Premier Dalton McGuinty says that the government owes it to Canadian travelers to examine whether or not TICO should warn the public when a tour operator is in financial difficulty. However TICO responds to this suggestion by saying that by warning the public of possible financial distress, tour operators could find themselves failing due to the publicity. Currently, there are no rules in place in order to prevent this situation happening again.

For Canadians who are planning a vacation abroad, it appears that the responsibility regarding this issue lies with the traveler. Although provincial travel watchdog agencies are trying to help stranded tourists, and are offering to refund their out-of-pocket expenses, this still does not totally alleviate the problems that these travelers faced. And with the economy still in a downturn, this could potentially happen again if other operators suddenly close their doors without any warning.

All inclusive travel insurance does offer some protection for stranded travelers. Depending on the plan, it can cover costs that are non-refundable when it comes to the sudden disruption of all inclusive trips, as well as covering unexpected medical costs. Canadians who are planning to leave the country for a vacation should be aware of what their travel insurance coverage includes, and adjust this if necessary. Every trip is different, depending on the destination country, tour operator, etc. It is highly recommended that all Canadians research and understand what their travel insurance covers. While all inclusive coverage may not be necessary for every trip, it may be a wise choice for some locations, as well as the type of trip planned.  For more information regarding the different types of travel coverage that are available, please visit our Travel Insurance page.

posted on Wednesday, April 22, 2009 5:40:59 PM (GMT Daylight Time, UTC+01:00)  #   
# Friday, February 23, 2007
                 

Travel Insurance: Married Outside Of Canada

Traveling to exotic locations to get married can be a fun option for some couples. The concept of combining a vacation with your wedding is a great way to reunite with family and friends to celebrate. With families and friends sometimes scattered across the country, or even continent, a vacation wedding offers a fun location for everyone to meet at.

Whether you are running off to Las Vegas to get married in the Little White Chapel, or are dreaming of a sunset wedding on an isolated beach, certain factors must be considered when choosing to get married abroad. Ensure that once you have selected the location of the wedding, you understand their requirements in order to apply for a marriage license. It is a good idea to send the traveling requirements list (i.e. documentation, passports) with your invitations so your guests know well in advance what they need to bring with them.

It is also advisable that you inform your guests of the need for travel insurance coverage. You can inquire if they have current coverage through their employer, and whether or not they will be covered for this trip. HealthQuotes.ca offers trip insurance that covers families and groups, which may be beneficial for this particular circumstance.

With proper planning, a vacation wedding will be the most memorable experience of your lifetime. Along with ensuring that you have the proper travel documents, ensure that you and your guests have the proper travel coverage in order to avoid any problems in your perfect day.
 

posted on Friday, February 23, 2007 4:18:41 PM (GMT Standard Time, UTC+00:00)  #   
# Tuesday, November 7, 2006
                 

Canadian Snowbirds and Travel Insurance

For some Canadians, spending the winter months in a warmer climate like Florida or Arizona is a much more pleasant idea than facing yet another cold Canadian winter. This living arrangement is especially attractive to retirees, who do not have to remain in Canada for the winter months due to employment obligations.

Due to recent American policies, all Canadians must have a valid passport in order to enter the United States effective January 2007 when arriving by air or sea. A second rule is also currently being proposed that will require a passport in order to enter the United States via land border crossings by January 2008. It is recommended that Canadians planning to spend the upcoming winter months in an American state this winter obtain a valid passport, and carry it with them at all times.

It is important to remember that your provincial health coverage will not cover your medical expenses in the United States. We strongly recommend that every Canadian who is planning to spend the winter outside of Canada purchase travel medical benefits in order to safeguard them from incurring costly medical bills. Even one trip to the emergency room for accident or illness can cost Canadians without coverage thousands of dollars in unexpected medical bills.

Check your employee benefits (if applicable) to see if you currently have travel medical coverage. It is important to remember to closely examine this policy to determine if your coverage through your benefits will be adequate for your needs. If you require additional coverage you can purchase top up insurance.

For those with no employee benefit coverage, determine what kind of coverage you will need. Travel medical plans can be purchased to accommodate single trip and multi trip coverage, depending on how much traveling you expect to do. There are a variety of plans offering coverage for:

  • Emergency Medical.
  • Trip Cancellation And Interruption.
  • Baggage Loss, Delay And Damage.
  • Flight And Travel Accidents.

Consult with an insurance broker to properly determine your travel insurance needs. When planning your trip, remember to talk with a broker to ensure that you have the proper coverage, and leave the worrying behind along with the snow.

You can visit the World Health Organization website, useful for checking international travel advisories before leaving Canada.

posted on Tuesday, November 7, 2006 8:27:34 PM (GMT Standard Time, UTC+00:00)  #   
# Friday, January 13, 2006
                 

Buying Travel Medical Insurance

Travel medical insurance is an essential thing to have when traveling abroad. However, there are certain things that should be taken into account before purchasing your insurance.

The first thing to determine is whether or not you already have travel insurance. Some people are not aware that their group insurance (i.e. employee benefits) has travel coverage. If you do have travel coverage through your group benefits then a good thing to determine is the length of coverage it offers. Make sure that your entire trip is covered, and if it isn't then you may want to consider top-up insurance.

Travel benefits are also sometimes offered through credit cards. However, this is often accident-only, and may not offer protection from sudden and unexpected illness. Know what your coverage is, along with all limitations and exclusions.

Finally, if in doubt consult a broker!

posted on Friday, January 13, 2006 5:28:52 PM (GMT Standard Time, UTC+00:00)  #   
# Thursday, December 8, 2005
                 

HealthQuotes.ca is happy to announce the launch of our health and travel insurance blog.

We will be posting insurance related topics that we feel will be of use to the Canadian public.

We encourage feedback, and would like to establish a flow of information and dialog between us as brokers and the public.

All postings are stored so that people can search for topics of particular interest.

Enjoy!
The HealthQuotes.ca Team

posted on Thursday, December 8, 2005 6:45:50 PM (GMT Standard Time, UTC+00:00)  #   
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