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What to do in case of theft while traveling?

16 December 2016

You are on a trip to Bali with friends to start surfing, sunbathe on paradisiacal beaches and immerse yourself in the Indonesian culture. Returning to your hostel, you realize that the locker in your room, where you left your wallet, your laptop and your camera, was vandalized… The padlock was cut. Your valuables are gone!

How do you react? Where do you start in order to get your stolen items refunded? To avoid panicking unnecessarily, here’s what you need to do step-by-step in the event of a theft:

Procedure in case of theft

1. Stay calm. It is useless to let stress take over. While these are items that have significant monetary or sentimental value, you have to keep your calm and focus on the positive. After all, your life is not in danger, and you did well to have subscribed to a travel insurance.
2. Check that it is theft. Sometimes you move your items from your suitcase to your day bag and you simply forget that you moved them. Before crying wolf, you must take the time to check out what is missing. You can also ask your friends who share your room or your neighbors of the same hostel to check if they were also robbed.
3. Make an inventory of what was stolen. Write a list of items that disappeared while your memory is still fresh. Add as much detail as possible in writing, such as the age and model, in the case of electronic devices.
4. Inform the management of the hostel. Go to the reception of your accommodation and ask to speak to the manager. Explain the situation calmly.
5. Call your insurance agent. Your agent will ask you for more information and it will send you a claim form to complete.
6. Get a police report. You must go into a police station and obtain an official report summarizing the theft. This is a key document for a refund of the missing items. If this is totally impossible, check with your insurance agent for insurance covering the loss of objects.
7. Send the police report to your insurance agent. Once you get the famous police report, you send it immediately to your insurance agent. You can email it by scanning the document, or by fax or mail.
8. Get your refund check. Once the documents are approved by the insurer you will receive a refund check according to the conditions of your travel insurance contract.

Experienced traveler tips:

● Take a picture of your passport, your travel documents and your valuable items in addition to noting the serial numbers of your electronic devices before going on a trip and send the to yourself by email. In case of theft, it will simplify your claim process. Click, click!
● If your passport is stolen, you must immediately inform the nearest passport issuing office. It is possible to get an emergency travel document or a temporary passport in case of urgent need. More information on the Government of Canada’s website.
● If you had your credit card stolen, you must quickly inform the company that issued the card. Your card must be canceled as soon as possible. Your credit card company will guide you in the process of obtaining a new card at home or while traveling.

It is not the end of the world to have items stolen while traveling, but it is certainly not pleasant. You should just know what to do and keep cool. After all, you should congratulate yourself for taking out travel insurance before you went! Well done!

Article by Nomad Junkies team

nomad

5 things to prepare for a ski trip

22 November 2016

Winter is coming fast … Good joke! Winter has already started in many parts of the country. While for some that are in perpetual search of the sun and the heat – it is a curse, others are looking forward to start their favorite sports earlier in the season. The skis are ready, the snow is there, go hop on and hit the slopes!

In recent years, there seems to be a craze for ski trips. Extreme sports on the coast, people are looking for a shot of adrenaline on the biggest mountains such as Mont Saint-Sauveur or even Mont Saint-Anne. The destinations such as Western Canada, the Rockies, the Alps and Japan are ideal places for lovers of skiing and snowboarding.

A ski trip – it’s not like going to an all inclusive holiday. Usually, all you need is your swimsuit and sunscreen and voila. In contrast, for a successful ski trip, there are a few tricks to preparing.

1- Make sure you get in shape

A few weeks (or months) before departure, begin to train your body and the cardiovascular system at the muscular level. The body is generally used to ski days for a weekend and that’s it. During a ski trip, rather it is 4-6 days of sport that the body has to endure. Put the odds on your side by physically preparing.

2- Prepare a list of luggage

It’s rare that I give this advice, but during a ski trip, it is better to bring more than just enough. Some ski resorts in the country require a mandatory helmet so it is always better to bring one. Anyway, it is always advisable to wear a helmet! The ideal is to bring two pairs of glasses in case of breakage. The vast majority of ski centers have shops, but in high season, prices are likely to be exorbitant. Since the temperature can vary from day to day, it is important to provide several layers of clothing, even removing them during the day.

3- Predict if you want to use your own equipment or rent

The majority of ski centers offer equipment rentals on site. In contrast, if one wants to use their own equipment they must be prepared for the transportation costs and the risks it can cause. It would be unfortunate to arrive on site with some equipment damaged in transport, for example. It is also recommended to shop around for a good carry bag. If this is the first time the equipment will be used in the season, make sure to set it up prior to departure or find out where it will be possible to do so once you have reached the destination.

4- Plan ahead to save money

Several resort centers offer discounts when lodging and lift ticket are combined. It is therefore appropriate to plan a few weeks to months in advance to book the whole lot together, especially in high season. Ski centers are recognized for the astronomical prices they charge in their restaurants and snack bars, so it is important to bring snacks to give an energy boost during the day.

5. Do not go without insurance

As with all other types of travel, it is recommended to take out travel insurance before the departure. To cover the risk of accidents and flights cancellations due to several factors, like say an avalanche! It is important to confirm with the consultant certain aspects of the cover, as it is a sport and a riskier type of trip which is obviously more expensive. Here are some points to keep in mind regarding coverage:
– What is the destination and length of travel?
– Does it also cover leased equipment or only for your own equipment coverage?
– Is it the same cover for a skier or snowboarder?
– In an accident on the mountain, does that coverage includes repatriation by helicopter to the nearest hospital (if necessary)?
– Does it cover the smaller objects (such as lost or stolen ski passes)?
– Are the different types of activities like skiing off-piste or terrain parks covered?
– What are the terms for the stolen, lost or damaged equipment coverage?
– Is post-trip care for injuries resulting from an accident, such as physiotherapy, for example, covered?
– Is heli-skiing covered?

Article by Nomad Junkies team

6 essential preparations before moving abroad

17 November 2016

To organize your life in a new country is both exciting and stressful. You become an expatriate. You usually keep all your attention on the life that awaits you. You struggle to make arrangements for your future home or new vehicle for example. For a family, enrolling children in a new school is a crucial topic. Whether you choose to move to an attractive job offer, to be closer to family already settled there, or just a new adventure, there are many things to organize. Preparing for expatriation is often perceived as a new life. But it also means considering important elements in your current life. So six preparations are essential to settle your affairs before leaving:

1. Deciding what to do with your housing

In the case of a person renting an apartment or a house, there are constraints to terminating the lease before maturity. It is often easier to wait until the end of the lease to synchronize departure from the country. In the event of a professional assignment occurring during the rental period, you should make arrangements with the owner upon learning of the departure date. And having informed him well in advance, it is usually easier to find a compromise for early termination of the lease.

If you are a homeowner, you should consider either putting it on sale, or to rent it, or to keep it without a tenant. Multiple factors will incline you to one or the other options. Above all, remote management of a sale after departure, maintaining an empty property or following up with tenants from abroad, are those that represent the biggest challenges. It is essential to surround yourself with friends and family or rely on professional services such as a real estate agent or an agency to manage the leased property.

2. Store your personal belongings

A departure abroad for a short or a long time does not necessarily translate removal of all your possessions. Expatriates may decide to keep the furniture and personal items that they would recover once the period of life abroad is over. Family and friends can not always provide the necessary storage space. Renting a storage space then proves a necessity. The cost is not insignificant and the expatriate needs to balance the monetary and sentimental value of its assets over the monthly fee from the warehouse. The risk is to forget to pay a fee at some point and lose all contents in the storage facility. The distance sometimes makes it difficult to pay costs. If the stay abroad is a defined term, it is better then to pay the amount of the entire period which the person needs.

3. Make arrangements with administrations

Leaving a country of habitual residence, a person may lose their social protection. Depending on the country, the expatriate loses their rights to the public health system as soon as the stay abroad exceeds a certain duration. It is recommended to contact the authority to inform them beforehand. Knowing the conditions to regaining rights upon your return also allows taking of adequate measures calmly.

Compared with your fiscal situation, you must inquire whether or not there is an agreement to avoid double taxation between your country and the country of expatriation. If you receive income (salaries, rents etc.) in both countries, you must know how to comply with the two tax administrations. Depending on whether you are paid for by a local employer or your current employer in the country also has an impact. Whether the salary will be paid into your bank account at home or at a local bank must be taken into account. Consulting an accountant or tax consultant is highly recommended to make arrangements before departure.

4. Adjust private insurance

To terminate insurance before departure or keep it is an important issue. If the expatriate retains a property in his home country, homeowner’s insurance will be kept but needs to be adapted. It should reflect their new status, that of non resident. If a tenant but the lease is not yet due, even in their absence, the accommodation is under their responsibility. The expatriate will keep their home insurance until the end of the lease. If a temporary occupant lodges in their absence, they will still maintain insurance unless the person who sublets brings them proof of home insurance in their own name.

If the person leaving for expatriation sells their car before departure, it is logical to terminate auto insurance. But if they will bring the vehicle to the country of expatriation, it becomes more complex. Depending on the country of destination and the duration of stay, the insurer can not always offer insurance coverage. There is often a legal aspect which comes in. It is necessary that the insurance company be approved locally. Changing insurer to a local insurance company often proves the only solution. The expatriate could then lose their historic good insurance record and be required to pay a higher car insurance premium.

5. Choose an international moving company

The first step is to solicit bids only from companies certified with International Association of Movers (IAM) or the Fédération Internationale des Déménageurs (FIDI) in French. The age of a member is also an indicator of the sustainability and seriousness of a moving company.

Furthermore, according to the country of destination, some companies do not hire local employees and external resources. This affects the quality of service because these people are not necessarily properly trained nor respect the standards of the company. It is recommended to select a mover that has a staff team of local movers and is not subcontracting. It is the same material that will be employed by a company. Beware of companies that use vehicles not screen-printed to their brand or employ people who do not even dress with a company logo. These small details are not so innocuous when the time comes to rely on an expert of international mobility.

As with any service, reading reviews and ratings made by other customers is a must in the evaluation of a provider. Opinions are a very good indicator of the quality of a moving company in the international service.

6. Subscribe to medical insurance for expatriate

Last preparation, not the least of which, is the purchase of a medical emergency health insurance. For every long stay abroad you need to have adequate medical coverage. The public health system in the country offers only cover for a certain scope and of limited duration. Only an expatriate health insurance will properly protect you and your family during your episode of life in a new country.

As such, Escapade Travel Insurance offers travel insurance solutions for expatriation and properly covers the risks of everyday life and the risks inherent in the geopolitical situation of the country of expatriation. Click here for expatriation insurance.

How to make a travel insurance medical claim?

18 October 2016

The bad press when paying insurance claims

Every insured person has already heard it said that the insurance companies do not always properly repay when an accident occurs. Even if the reimbursement rules are specifically listed but due to the fastidious way of insurance contracts, there may remain an afterthought on the risk of not receiving the coverage to which one would be entitled by paying the premium insurance.

This bias may come from several sources. One of the situations is that the insured person has misinterpreted the cover which he thought he had. The role of a broker or insurance representative is crucial because they are the privileged interlocutor to understand the needs of a traveler and to adequately inform the guarantees but also the restrictions and exclusions. Another situation is that the traveler is exposed to a risk of which he had forgotten that was not under his travel insurance policy. A final situation is sometimes the insured traveler did not correctly assess his condition beforehand from the conditions agreed in the travel insurance policy for emergency medical care abroad.

Complaints are perhaps not always easy to complete, but if the rules were well set out in the sale of insurance and where they were being followed by the insured, there is no reason that an insurer does not pay during a disaster.

The restrictions and common exclusions in travel insurance

Whether with travel insurance or without medical questionnaire, any contract includes provisions regarding the prior state of traveler health before his departure date or the date of entry into force. In addition, any traveler must keep in mind some general exclusions on most products. Many travelers are unaware of them and therefore this opens the door to a dispute at the presentation of a medical claim.

The travel insurance does not usually cover

  1. sports risks;
  2. the activities of paid professional sports;
  3. speed or endurance races;
  4. piloting an aircraft or a flight as a paying passenger in another public transport method;
  5. countries, regions or cities in which Canada’s Foreign Affairs issue a warning not to stay;
  6. and in some cases paid work (some insurance travel products for the Snowbirds do not cover people working against remuneration).

Exclusions that can be felt more by all travelers:

  1. an optional treatment (medical care that can wait for the return trip);
  2. a trip undertaken for the purpose of receiving medical treatment;
  3. concealment or deliberate misrepresentation regarding insurance or the presentation of a claim;
  4. drug use, abuse of drugs or alcohol that directly or indirectly leads to a claim;
  5. attempted suicide or self-harm;
  6. mental or emotional disorders, anxiety, stress or depression unless you need to be hospitalized. Here it should be noted that some travel insurance products never cover mental or psychological problems because they are not considered a medical emergency.

Of these exclusions, the one that causes problems most often is the abuse of alcohol.

If you go to the emergency room following a banal accident from a fall causing a blow to the head, a cut above one eye or a sprained ankle, and if they think you exceed the permitted alcohol limit and after a blood test result are above the legal limit, the insurance company has the right not to pay your medical expenses related.

The importance of calling the emergency phone number before any medical consultation

Failure to call the assistance center before consulting (unless a serious medical condition or admission to hospital in extreme emergency) can create unpleasant surprises for you, such as non-payment of the claim. By contacting the support center, the speakers will tell you immediately how to proceed, so you do not make a mistake. The emergency numbers to call are listed on your insurance certificate and your insurance policy detailing the exact scope of coverage purchased.

The importance of having a valid health insurance card

Whatever your province or territory of residence, you will normally have a registration for a public insurance plan. This gives you a health insurance card. It must always be in place, because during a claim when traveling abroad, the insurer verifies if you are in good standing. If unfortunately, your card is no longer valid, your medical claim is likely to be refused or the level of reimbursement of benefits may be drastically reduced.

The best way to avoid problems in medical travel claims is to read your insurance policy before departure and ask all relevant questions to your broker or your insurance representative.

7 keys to understanding international driving permits

2 October 2016

1. What is an international driving permit?

The international driving permit or IDP has information from the usual driving license translated into ten languages. The languages are English, French, Spanish, Russian, Chinese, German, Arabic, Italian, Swedish and Portuguese. The holder thus has a new photo ID in addition to his other identity documents. In addition, most car rental companies will ask for an IDP, although it is not required to drive in the country visited. The international driving permit is not valid in the state or province where the holder has established his main residence. This should cover the formalities for obtaining regulatory permits for the state or province of residence. The international driving permit or IDP is a title of conduct where one is qualified as non-resident.

2. Does a Canadian motorist need a IDP in North America?

The international driving permit was created as part of a UN convention on road traffic in 1949. This document is recognized in all the signatories to this agreement. Even though some have not signed it, IDP is often accepted in their territory.
For Canadians, the IDP is usually required outside of North America. Normally, the Canadian driver’s licenses are sufficient to circulate in the United States or Mexico. Unfortunately, without explicitly requiring this famous international driving permit, some US states have adopted legislation that did not accept licenses not in English. This has a direct impact for residents of Quebec.

The US state of Georgia is almost a must for those traveling by car to Florida. Many Canadian retirees, commonly called snowbirds, were likely to be confronted with local laws regarding driving licenses. Indeed, any motorist driving in this state should have a driving license in English. This led de facto impossible for Quebecers to ride locally with their driving license denominated in French. The Georgian authorities seemed rarely fined motorists holding only allowed Quebec. Getting suspended since this law will be repealed end 2016, which will allow Quebec drivers to present their passport and driving license of Quebec when needed. From January 1, 2017, Georgia will no longer require that its agents present international driving permit if the lead held permit is written in a language other than English. The presentation of the Canadian passport with the Quebec driver’s license written in French is only admissible for local authorities. There will be no need for Quebeckers to have an international driving permit in Georgia.

3. How to get information about permits for the countries visited?

In addition to the travel advisory, the Department of Canadian Foreign Affairs informs about whether or not to obtain a prior international driving permit. The information is specified in the “Laws and Customs” tab of each country profile. To view the information by country, please follow the following link: https://travel.gc.ca/travelling/advisories.

4. Where to get an international driving permit?

For Canadian residents, the CAA is the only Canadian jurisdiction authorized to issue and to deliver international driving permit.

An international driving permit is valid for a period of one year from the date of issue. Motorists must reapply each time another IDP is required.

5. What are the conditions for an IDP?

A Canadian traveler wishing to use a road vehicle in a country requiring an international driving license must be at least 18 years. He must also hold a valid and unrestricted Canadian driving license. The Canadian drivers who can not get an IDP are those who hold only a temporary permit (or learning) and those who were stripped of their license because of violations of the code of the road.

The international driving permit does not apply to the category of vehicles which the Canadian license held by the motorist does not authorize driving.

6. What is the cost of this license?

The Canadian motorist can report to their local CAA Club with the required documents (two-sided photocopy of the driving license in good standing issued by the province of residence, two passport photographs and the IDP application form for the CAA).

The cost is currently $ 25 (subject to change without notice from CAA).

You can also apply by mail. A request sent by mail must include the payment of fees by credit card or by bank draft, money order or check in Canadian currency from a Canadian financial institution payable to your local CAA Club.

Note that IDP will not be issued earlier than a month before the departure date. The IDP is valid for one year from its date of issue. No need to be a member of the CAA to apply!

7. What will happen if you stay abroad for over a year?

If the stay abroad exceeds one year and your IDP expires, you can request a new one, provided that your Canadian driving license is still valid. Your new international driving permit will be posted abroad, at your expense.

The RAMQ and travel outside Québec

15 September 2016

Travelling outside Québec involves many rules with its provincial health plan. The Régie de l’assurance maladie (board of Québec Medicare) provides support for the majority of medical costs in case of accident or illness occurring in the territory of the province. However, Quebecers enrolled in the RAMQ are often unaware that when they leave the territory of Québec to travel to another Canadian province or a country other than Canada, the standards for reimbursement following a medical problem will vary.

Reimbursement of medical expenses elsewhere in Canada

Travelers who are holders of a valid RAMQ health insurance card can claim reimbursement for health services received in another Canadian province. However, refunds may be partial. Some services are not covered by the health insurance plan.

The board of health insurance reimburses medical services provided by a doctor, dentist or optometrist up to the rates in effect in Québec. So if travelers do not have travel insurance taken out with an insurer, the fee not reimbursed by RAMQ will be dependent on them.

The Pan-Canadian Public Health Network

Canada has a national health system. Thus, hospital services are fully covered. These services include services associated with a hospital stay or services from hospital to outpatient (nursing, diagnostic, ward accommodation and drugs administered during hospitalization).

By cons, you should know that medical procedures such as surgery, doctor visits, etc., are paid to the pricing of Québec. If a traveler is to undergo any operation, you will probably pay surpluses since the Québec service fees are often lower than in some other provinces in Canada.

We must also think about repatriation to the province of Québec. If the traveler is hospitalized for a long time, they will probably wish to be back close to home. Back in Québec, costs can be quite expensive. In light of this information, travel insurance, even in Canada, is very useful.

Reimbursement of medical expenses for a trip outside of Canada

Following the points made above, it is obvious that for a beneficiary of the RAMQ bound for anywhere in the world, a travel insurance plan becomes even more important because medical costs are generally even higher abroad to non-residents. The amounts paid by Québec are minimal when the amounts can be astronomical in some countries. The Régie de l’assurance maladie (board of Québec Medicare) reimburses hospital services following a sudden illness or accident according to established amounts:
● Up to CA $ 100 per day of hospitalization
● Up of CA $ 50 per day for care received at the outpatient hospital.
La Régie also pays up to CA $ 220 for hemodialysis treatment and drugs attached to it, whether the person is hospitalized or not.

The reciprocal agreements on social security with other countries

Social security reciprocity agreements have been signed between the Government of Québec and Belgium, Denmark, Finland, France, Greece, Luxembourg, Norway, Portugal, Romania and Sweden. They benefit Quebecers who are travelers for longer stays in those countries to be covered by the health insurance plan offered in these countries, while avoiding a waiting period before being entitled to the protection offered. Steps are undertaken to advance this with the RAMQ.

The impact of travel time with the RAMQ

Anyone traveling outside of Québec and wishing to benefit from a private travel insurance to cover all emergency medical expenses must ensure to maintain their valid RAMQ card for the duration of the trip. Indeed, every traveler must follow certain rules:
● Québec authorizes to travel outside the province for 182 days per calendar year, from January 1 to December 31;
● Travel for 21 days or less are not accounted for example:
1st example:
a) in January, you go 120 days to Florida
b) in July, you will spend 15 days in Old Orchard.
c) Total of the year: 120 days

2nd example: You want to go back to Florida in late October. If you were in Florida at the beginning of the year, make sure you calculate your days used since 1st January so as not to exceed your 182 days of the calendar year.

Other details relating to the count of days:
● As soon you leave Québec, the days add up even if you live in Canada.
● You should also know that Québec allows registrants to the RAMQ to leave the province more than 182 days once every 7 years (seven-year) without losing their rights to the health insurance card. A request must be made with the RAMQ.

6 disregarded realities of travel insurance

2 September 2016

Multi-trip insurance cannot be interrupted

If a traveler subscribes to an annual travel insurance plan, also called multi-trip insurance, this type of plan is not refundable as soon as it comes into force. It provides insurance coverage for unlimited travel for a certain period, in the course of 365 consecutive days. If the insured has availed of that once or several times during the annual period, the insurance premium does not vary. The argument of non-payment is that the insured can use it later as the contract is valid for one year from the start date of their first insured trip. Obviously age of the insured traveler, certain medical conditions may not be covered if it does not respect the stability period required at each new start. Usually, anyone planning to travel outside their province of residence repeatedly should consider the option of an annual plan of travel insurance. It will prove more economical than several unique travel insurance.

 

A deductible can be applied several times a trip

Some travel insurance for all and travel insurance for travelers 55+ offer the possibility to choose the application of a deductible in order to lower the insurance premium. The exact application of the deductible depends on each insurer. It is important to refer to the section of the insurance policy that details the conditions of application of the deductible. In general, the medical deductible applies to each new event (accident or illness). For example, if a traveler consults for early bronchitis, they shall pay the amount of the deductible in their travel insurance policy. If they then consult for a broken ankle, the deductible applies again because they are two separate events.

 

But increasingly, the deductible also applies per visit to an emergency room or hospitalization even if connected to the same medical condition. If the insured returns for a follow up planned by the treating physician, the deductible will not apply. But if he returns to an emergency room due to a sudden relapse of his condition, some contracts apply the deductible again.

 

When purchasing travel insurance, you must check the General Conditions carefully.

 

The number of prescribed medications can influence the insurance premium

The number of drugs prescribed at the pharmacy regularly are subject to a medical question on contracts for travelers wishing to cover their pre-existing conditions. This criterion is found in either the admissibility or the medical questionnaire. The answer is involved in determining the premium. It is strongly advisable to check with your doctor if certain medications taken as needed or nonessential could not be replaced by OTC drugs. Thus, the number of drugs decreases. This can give access to more insurance products or avoid elongated medical questionnaires which must be approved by the medical team of insurance companies. This process is more difficult because the traveler must provide exam results, so for him it involves costs, waiting time and therefore stress.

 

The partial reimbursement of the insurance premium for shortened travel is subject to conditions

Any traveler making a hasty return to his country or province of residence can claim a refund for unused days. This possibility is not offered on annual insurance nor if insurance includes cancellation coverage or trip interruption.

 

When the travel insurance policy so authorizes, reimbursement for early return is subject to certain conditions. No refund is possible if the insured traveler consulted in order to obtain medical services during their stay abroad. This restriction is always described in the conditions of the travel insurance policy wording. If the traveler has made any medical claims and has no medical claim form to be submitted to the insurer, it can claim a refund of the unused insurance days. Administrative charges are applicable. They are usually specified in the insurance certificate originally issued. These fees vary slightly between insurers. It is also asked to provide proof of valid return to his country or province of residence.

A group plan to cover the beginning of your journey brings some disadvantages

It may be advantageous to cover the beginning of your journey through a group insurance or a credit card that gives the holder travel insurance coverage. It is the responsibility of the traveler to check out the number of days covered and the required stability. If the trip undertaken exceeds the coverage offered in duration through group insurance or credit card, it should be complemented by a unique travel insurance. Should the latter be purchased prior to the date of departure in trip and the two insurance periods must follow each other without interruption.

 

If the traveler extends the coverage offered through group insurance or card credit, it is essential to check that the first insurer authorizes to extend its plan with another insurer. The standards are sometimes quite different. For example, some require group plans to use the predetermined number of days of insurance, without possibility of extension. Or some credit cards must be extended by the same insurer unless with special permission.

 

Finally, if a medical event occurs during the first period of insurance (one in the group coverage or that of the credit card), it causes a change in medical stability with regard to the insurer completing the second period of coverage. Accordingly, an accident or illness during the first period of insurance becomes an exclusion for pre-existing conditions for the second period of insurance.

 

The return date of an insurance contract is based on the time of arrival of the flight

When a passenger makes a request to provide a package holiday, it is important to know the dates and times of departure and return. Time to return to the country or province of residence is crucial. Often return flights will be quite late in the evening. For travel insurance it is very valid, it must be taken out until the date of the next day if the flight ends after midnight.

Understanding medical stability

12 August 2016

What is medical stability?

A well-informed traveller should carefully consider their needs when reviewing different possibilities of travel health insurance. The verification of conditions, restrictions and requirements of insurance policies must constitute the central elements of their approach. In fact, the limitations on pre-existing medical conditions vary from one insurer to another. The terms of medical examinations and treatments received are also defined differently.

In the end, whether a pre-existing medical condition is covered by travel insurance or not, any traveller must understand the concept of medical stability.

Understanding medical stability

In a travel insurance policy, it is the time required by the insurer during which the traveller’s state of health must remain exactly the same, without any change, in terms of medication, treatments and consultations. The stability period is expressed in days or months depending on the travel insurance companies.

Medication

Any increase or decrease in the dosage of a medication is considered instability and more so, the beginning of taking or discontinuation of medication. It is mainly the discontinuance of taking a medication that raises the most arguments. The reason is simple. Most people believe if they no longer take the drug, they will consequently declare themselves cured. One should know that in the beginning of a medication being taken, as it is judged, may have side effects. Taking a new drug prescribed by their doctor or stopping the prescription of a drug leads in both cases to a change in the patient’s health. As such, the history of their medication is an integral part of the concept of medical stability.

Treatments

The term “treatment” is any health problem or symptom for which a physician has a diagnosis and has recommended a medical response. All treatment received to control a medical condition (medication, chemotherapy, surgery, hospitalization etc.) is also subject to a period of stability which varies according to age, duration of the trip or the type of treatment itself.

Medical consultations

The term “consultation” is defined as any visit where you ask them to see you for a health problem that creates discomfort and worries you, even to the point of presenting to the emergency department of a hospital.

In contrast, the annual medical examination with your family doctor does not fit into the category of medical consultations affecting medical stability. Instead, insurers see travellers who had a health check within 24 to 36 months before the travel departure date favourably. The medical situation of the traveller is therefore known and possibly better controlled. Consequently, a surcharge applies on some travel contracts for travellers aged 55 and over who have not had a health check for more than two or three years. They are considered higher risk by travel insurance companies.

Term stability

As mentioned previously, the age of the traveller is an important point for the criterion of a period of stability. Depending on their age, the clauses in the contract require stability times ranging from 7 to 365 days. The insured person must refer to the required stability time for their age group at the date of departure for their trip.

Particularities

Some medications, such as insulin and coumadin, are considered stable even if the dosage varies. With this type of medication, we consider only the starting or stopping of taking the drug for stability.

The category of minor ailments includes any illness, injury or health problem that does not require the use of medication for more than 15 days and not more than one follow-up visit to the doctor. For a condition to be considered minor, the insured person should not be hospitalized or undergo surgery, or be referred to a specialist (the definition is always described in the insurance policy). The health status must remain stable up to 30 days before departure date. However, a chronic condition, or any complication related to a chronic condition, is not considered a minor ailment.

The features may be slightly different from one travel insurance product to another, so it is important to read the policy. If in doubt, the best way to know if your stability has been acquired before departure is to check w

Clarifying 4 myths on baggage insurance

5 July 2016

1. My luggage is covered only during the trip to my destination

The term baggage is used by airline companies, rail or road carriers to designate the personal belongings which accompany you during your journey. Throughout your entire trip, your baggage can indeed be delayed, damaged or even lost. Baggage insurance therefore covers in case of loss, theft, damage or delay. Nevertheless, baggage insurance will remain in place throughout your stay at destination. Your personal belongings are insured against a number of risks which could occur, such as a break-in the hotel room or a mugging. For example, the loss or theft of important documents such as passport, driver’s licence, birth certificate or travel visa entitled you to financial compensation for expenses incurred to replace them.

2. Personal belongings are always poorly refunded

Reimbursement levels on baggage insurance varies significantly from one insurance company to another. The perception of poor coverage often comes from baggage insurance which refund limits are below the value of the items that accompany us when traveling. It is important to understand the sub-limits inherent to baggage insurance. In fact, behind the maximum amount of coverage, other provisions can significantly reduce the range of guarantees. This may be the presence of a deductible, a maximum amount per article or even an overall limit for a category of personal items. Usually, jewelry and electronic devices are personal items that have most restrictions in the baggage insurance.

3. The insurer compensates only in monetary form

Baggage insurance provides financial compensation for losses in accordance to the terms and conditions outlined in the contract. It is also necessary to be aware that the insurer reserves the right to repair or replace damaged or lost property with another of the same quality and value. The insurer’s guarantee is limited to the actual value of the goods. However, if it is the baggage registered with a carrier or for missing luggage left under the responsibility of a hotel, the insurer reimburses eligible expenses only in excess of those reimbursable from other sources, such as the hotel’s civil liability.

4. Making an insurance claim for my luggage is complicated

As with medical claim, the insurer will request proof of the damage sustained to the baggage and personal belongings. It is this step that seems unacceptable for the traveler who wishes to assert his right to compensation under the baggage insurance.

If the damage occurs while travelling, the carriers offer a service counter for travelers who are experiencing delays, lost or damage of their property and personal belongings. The transport agents will then give the traveler a receipt stating the damage. It simply is the responsibility of the insured to contact the assistance center for procedure to follow to declare its claim and attach the receipt.

In the event of burglary, theft or wrongdoing, you must notify the police as soon as possible, ideally within 24 hours after the fact and obtain written proof to support the loss incurred. If you do not report to the police the incident, you could lose all rights to the insurance coverage.

For more information on baggage insurance

It is very important to understand the guarantees and specific exclusions of your contract. Check with an Accident and Sickness Insurance Representative about the general conditions of baggage insurance.

Health insurance in Canada

5 July 2016

So that all Canadian residents can have reasonable access to hospital services and medical care, the government has established a national system composed of thirteen distinct provincial and territorial health regimes. Discover the rules of eligibility for health insurance in Canada.

How to have access to health insurance

Each province and territory sets eligibility rules to its own health insurance plan. Depending on your country of origin and province of residence chosen, the registration deadline to the provincial health care system may vary. Here are the links to the eligibility requirements and waiting periods from each province and territory of Canada:

Quebec Health Insurance Plan
Ontario OHIP
New-Brunswick Medicare Coverage
Nova Scotia MSI
Alberta AHCIP
British Columbia MSP
Manitoba Health Care Coverage
Prince-Edward-Island Health Card
Saskatchewan eHealth
Nunavut Health Care Card
Newfoundland Labrador MCP
Northwest Territories Health Care Coverage
Yukon Health Care Card

Generally, permanent residents of British Columbia, Ontario and New Brunswick must wait a period of three months before being eligible. However, make sure to ask for your provincial health insurance card as soon as you arrive in the country as the three months’ delay period starts the day your request is received.

The Québec government has entered into reciprocal social security agreements, which include a health component, with some countries. Among other things, they save persons arriving from outside Canada from having to wait for up to 3 months before becoming eligible for the Health Insurance Plan.

The Importance of travel Insurance for visitors to Canada

The daily cost of hospitalization can easily reach $ 4,000, hence the importance of purchasing emergency medical health insurance. You will be covered for injuries and illnesses requiring hospitalization or clinical treatment.

Benefits

Insurance for visitors to Canada protects you for short and long term stays and also includes a guarantee for repatriation to your home country, an important requirement for visitors to Canada. Escapade Travel Insurance offers flexible levels of coverage, suited to your needs and budget. The insurance can be purchased even after your arrival in Canada and can cover, under certain conditions, your pre-existing health conditions.

For traveling outside your country with peace of mind, choose the right insurance with Escapade Travel Insurance.

For more information, please visit the Health care in Canada web site.