Where Will Canadians Go This Winter?
Wheat are the best cities to visit in Canada?
Remember, even if you are leaving your province of residence but staying in
Where Will Canadians Go This Winter?
Wheat are the best cities to visit in Canada?
Remember, even if you are leaving your province of residence but staying in
You wouldn’t think a hernia could cause so much trouble. But that’s just what happened to Monica on her vacation in Hawaii. She and her husband Jonathan wisely purchased TIC’s Emergency Hospital & Medical for Canadians before they left on their trip.
Everything was going great, as vacations tend to do. Then on the forth day a large wave knocked Monica off her feet during her swim. She was hurt so her husband Jonathan took her to the hospital.
Doctors told Monica that she had a hernia. They recommended surgery. Unfortunately, she had just eaten a large lunch and the surgeon wanted to wait eight hours.
During this time TIC went into action, communicating with the hospital, arranging billing and faxing medical authorizations.
Jonathan was worried about his wife’s operation because she had just recently had a caesarian section. We wanted to make sure everything turned out okay so our medical consultant phoned throughout her hospital admission, asking for updates on Monica’s condition.
In the end, Jonathan happily reported that his wife’s surgery was a success. Doctors gave her a prescription for medication and urged her to avoid effort. Both Monica and Jonathan were impressed they had an insurance company that cared.
When they found out how much their bill was, they were ecstatic that they had bought TIC’s travel insurance. The total cost of the surgery and hospital stay was $11,145 Cdn.
We arranged for the hospital to bill us directly so Monica and Jonathan didn’t have to deal with that rather daunting amount of money. The hernia had already caused them enough grief, they didn’t need a financial headache on top
As the weather brightens and the days get longer, many students put away their books and take out their suitcases. The Canadian Federation of Students has over half a million members throughout the country, many of whom travel on school trips, reading week breaks and family visits.
Students can financially protect themselves from medical emergencies with our Emergency Hospital & Medical insurance for Canadians. They are covered for up to $2 million for emergency hospitalization and medical services, and $3,000 toward transportation for a family member or friend, so worried parents can be by their side during recovery when required. Of course students are also covered for emergency dental expenses, the return of a travelling companion and emergency transportation.
International students studying in Canada can receive up to $500,000 coverage for sickness or injury occurring in Canada including ambulance charges, rental of crutches or wheelchairs, and the services of a licensed physiotherapist. They are also covered for the costs of returning home due to an insured sickness or injury, dental emergencies and an annual eye examination.
Young people often think that travel insurance is better for older travelers like their parents. The truth is that insurance is a good idea for anyone travelling outside of where they normally reside. Students already have enough financial pressures in their young lives. They don’t need the stress of exorbitant hospital and medical bills as well.
For more information about travel insurance for students, visit our web site at http://www.biis.ca/e/study.html
It’s our business to help
Imagine a simple vacation turning into a nightmare. That’s what happened to Roy (not his real name) who thought a visit to his sister in sunny Australia would give him plenty of time for surf and sand.
One day at the local beach, Roy dove into shallow water and didn’t come back up. His friends pulled him out of the water and discovered that he couldn’t move his limbs. He was airlifted to a hospital in Perth and diagnosed with a broken neck. Roy was suddenly a quadriplegic.
Roy’s brother-in-law quickly phoned TIC. Our travel assistance department contacted the hospital and received the necessary paperwork so they could guarantee coverage for Roy. Our travel assistance evening staff constantly communicated with the family members here in Canada, updating them on Roy’s condition.
His parents were the most concerned. They booked tickets to Australia to be with their son and our case manager told them that Roy’s admission to hospital was entirely covered. They wouldn’t have to worry about money and could concentrate on helping their son during this difficult time. The case manager told them about the Transportation of Family or Friend benefit and how they could claim out-of-pocket expenses.
Although the hospital in Australia thought Roy would have to stay for six weeks, his parents wanted their son back in Canada as soon as possible.
Our medical consultant remained in constant communication with the treating doctors. After two and a half weeks, our assistance team received the okay from the Australian doctors and began making arrangements to get Roy back to Canada quickly and safely.
But the family faced more problems. Roy didn’t have a family doctor, so it wasn’t easy to find a hospital to take him. Through heard work TIC managed to get him a bed in Vancouver General Hospital’s spinal unit – exactly where his parents wanted him.
Stretcher transport is no longer allowed in North America but our travel assistance team still figured out a way to get him back to Canada. He flew a stretcher trip on an airplane from Australia to Los Angeles. In LA, an air ambulance returned him back to Vancouver.
His mother has MS and she couldn’t fly back with him. Roy’s parents stayed in Australia while their son was being transported to the other side of the world. Our travel assist team stayed in constant communication with his parents, updating them on his progress.
In the end, TIC got Roy home before Christmas, just three weeks after the accident. His parents were extremely happy and grateful. In a life-changing accident like this, it makes an enormous difference when you have professionals working on the hospital details and travel arrangements. Roy and his parents had enough to worry about and we happily did everything we could to relieve some of the burden. Apply online at http://www.biis.ca
Just because you have a pre-existing medical conditions doesn’t mean you have to travel without coverage. TIC’s medical underwriting program offers flexibility because we underwrite each individual based on his or her own set of medical conditions.
Most companies group you into categories. For example, they might put everyone with a heart condition in category A. If something happens while on vacation and you make a claim, the company then checks to see if you can be covered. In other words, you’re not entirely sure what you’re covered for.
Our medical underwriting program is different. We cover each person individually and state explicitly what he or she is covered for. When you travel, you know exactly what you’re getting.
That’s not all we do better. We give travellers the choice of which conditions they want covered. For example, if you have a heart condition and arthritis, we can offer you coverage for both of these conditions, one of these conditions, or neither of these conditions. We think it’s better to work with the customer individually by offering more choice and better prices.
Maybe it’s our reputation for being polite, conscientious travellers. Moreand more countries are targeting Canadians according to a report issued by the Conference Broard of Canada.
The repot showed that outbound travel in Canada is up nealy 10% since 2004, even after scares like 9/11, SARS and wars. Part of the increase in travel could be due to shifting Canadian demographics, as Canadian travellers are getting older. Canadians over 50 make travel a strong priority in their lives and they certainly aren’t afraid to leave the country.
“A decade ago, courtiers like China, Vietnam and South Africa were not actively marketing themselves in Canada as tourist destinations,” states the report. Now more than 100 countries target the Canadian outbound leisure market.
Canada also remains a popular destination for international travellers as well. The World Economic Forum recently ranked Canada as one of the top ten best nations to visit. Their Travel and Tourism Competitiveness Index gave us high scores for transportation infrastructure, health and education.
Who leaves Canada?
Yes, apparently some people do leave our fine country for greener pastures. A Stats Canada report shows that only one person out of every 1000 actually leaves Canada to make a life elsewhere – quite a low number. Of those who leave, most don’t return. But this is changing. Most people who leave are coming back.
For those who return to Canada, TIC’s Global Expatriate Hospital & Medical Plan covers them while they wait for their provincial medical health plan to activeate.
So who leaves Canada?
The typical person is:
・ Living in Canada during a recession or period of economic stagnation.
・ Aged 25- 34
・ Living in a city or urban area
・ Makes over $100,000 a year
The study also noted that Francophone Quebecers had by far the lowest departure rates, while Anglophone Quebecers had the highest.
You need travel insurance anyway.
Take, for example, the case of a 55 year old Travel Underwriters claimant from Lynton, Alberta. While working at his winter home in Mesa, Arizona, he amputated three fingers with a band saw and required immediate emergency medical attention. He was rushed by ambulance to the local Valley Lutheran Hospital, where medical staff performed surgery to reattach his fingers.
His travel insurance plan covered the cost of surgery, his three-day stay in the hospital afterwards, as well as the ambulance service and necessary prescriptions upon release. Not only were the medical expenses covered, his Travel Underwriters insurance policy also covered the $1,600 return of his vehicle by a commercial agency to Canada, since he was unable to drive back. The total claim amount was in excess of $39,000 USD, with only $400 CAD being covered by his government health insurance.
A claim example like this is a perfect way to understand the concrete value and peace of mind that comes with purchasing travel insurance.
If you enjoy activities like biking, snowboarding, sailing or backpacking, you are not alone.
A recent Canadian Tourism Commission report called almost five and a half million Canadians’soft outdoor adventure enthusiasts’. Activities that rated high withCanadians included wilderness hiking, wildlife viewing, fishing,cycling and kayaking.
During spring break many students and younger Canadians find themselves drawn to these kinds of activities in the United States and other destinations.
Of course, outdoor adventure always carries risk. Provincial medical plans cover only a fraction of medical expenses, and most foreign hospitals and doctors routinely charge thousands of dollars a day. ~We~re finding that these costs add up very quickly for travellers unfortunate enough to end up ina hospital, said Cecile Langlois, national director of claims and travel assistance for TIC Travel Insurance Coordinators Ltd.
Canadian travellers should always carry emergencyhospital and medical travel insurance. ~We cover recreational activities like skiing, hiking, camping and rock climbing, so students and travellers seeking adventure in other countries don~t have to worry about unexpected medical bills,~said Natalie Dupuis, TIC~s vice~president of product.
Students travelling witha group of three or more people and participating inamateur sport tournaments or activities can get coverage under TIC~s Group Sports Plan.
Finally, for those adventure~seekers under the age of 30 who are thinking about that big back packing trip across Europe or Asia, the YouthAdventure Package Plan makes perfect sense. Youthtravellers receive $5 million hospital and medical coverage as well as benefits covering lost or stolen baggage or trip interruption.
To learn more about travel insurance or for a complete list of products, visit Bridges International Insurance Services
Survey results from pollsters Ipsos Reid and on-line travel community TripAdvisor published earlier this summer have found that Canadian leisure travelers are not protecting themselves while away from home. Moreover, Canadians are lagging behind travelers in other parts of the world.
Is this due to a lack of understanding of the benefits of proper travel insurance coverage, or is there more to this disturbing trend that is placing Canadians at greater risk of financial and medical hazard? It would appear that for many, Canada’s long-standing faith in the country’s healthcare system may be to blame.
Ipsos Reid polled more than 2,200 Canadians in the spring of 2008 and found that 50.1 per cent of them who travel to the US ‘always of usually’ buy travel insurance. In contrast, results from a worldwide survey of some 3,700 TripAdvisor members found that 75 per cent of worldwide respondents, and 60 per cent of US respondents, purchased travel insurance in the last year. Why such a disparity on coverage?
In part, it’s due to our mistaken belief that our existing provincial medical coverage will protect us should we need it abroad, or anywhere else in the country. Yet the reality is that our universal healthcare system only covers a fraction of any medical emergency outside of a traveler’s home province, not to mention it’s also very different from one region of the country to the next.
For example, some of the highest coverage rates for medical expenses come from the Maritime provinces, whereas some of the lowest can be found in British Columbia where residents rarely receiver more than $75 a day for emergency medical costs.
Due to these regional differences, the Ipsos Reid survey found that as many as 60 per cent of all British Columbians polled purchased travel insurance for travel to the US, whereas only 40.7 per cent of Maritimes do. As for inter-provincial travel, only 38.2 per cent of Canadian respondents said they protected themselves with additional travel coverage.
The reality is the most Canadians are not positioned to pay out thousands of dollars in hospital bills or expect to have to deal with the disappointing loss of their hard-earned vacation due to cancellations or interruptions. It’s true that some travelers feel that their employment or credit card insurance plans adequately cover them; however the truth is that most won’t cover up-front payments for things as basic as ambulance fees.
It’s important to learn the benefits of a property-protected vacation. In doing so, travelers will not only continue to turn them as their insurance experts, but they will also benefit from the peace of mind and protection that is so important when away from home.
Uncontrolled setbacks shouldn’t cost your money!
That’s why Trip Cancellation/Trip Interruption protection is so essential. This insurance reimburses travel costs if your travel plans are cancelled prior to departure, or if you are disrupted after the trip has begun. After all, sometimes life takes over and travel plans go out the window.
Nobody can predict the future. Unexpected family or medical reasons can force you to call off, change, or even interrupt well–planned trips. Plus, there are other factors that can impact travel plans. In today’s unpredictable economy, you may suddenly find yourself out of work. After losing a job, you might not be able to afford the vacation anymore. Fortunately, job loss is a covered risk under Trip Cancellation/Trip Interruption insurance(TU depends on insurance company). So you should add this important travel insurance.