As brokers we often have referrals from our clients for people moving to Canada. Many of the insurance companies we deal with have operations internationally. However, one of the things that is not always obvious when moving to Canada is that even though the insurance company may be the same, or the coverages may be
Exclusion: Pre-existing condition The pre-existing condition exclusion is one of the most important details of your insurance policy but is rarely fully understood. Definition: For the purposes of an insurance policy, a pre-existing condition is a personal illness or medical condition that exists prior to the effective date of your insurance coverage. This definition
How does my Canadian car insurance policy cover me when I'm driving internationally? In the rest of Canada or USA Outside of Canada and the USA Car accidents are settled according to the laws in the jurisdiction where the accident occurs. For this reason, it is important to understand how your Canadian car insurance
Of course if everything goes according to plan, buying insurance is an unnecessary expense. The main problem is that if your crystal ball isn’t fully powered, you may have difficulty predicting the future, making the purchase of insurance a necessity. An injury or illness can be even more difficult, when trying to deal with an
A lost Passport, particularly when you are traveling, can be a serious inconvenience. The degree of the problem will be influenced by your itinerary and the country you are in at the time you recognize your passport is missing. Regardless if it is simply lost, stolen or damaged to the point that it is no
Imagine this: You’re deep in the jungles of Malaysia, when you’re suddenly gripped by nausea. You start sweating profusely and it’s not from the heat. Horrified, you slip into unconsciousness...just as the local “witch doctor” arrives. Some time ago, this happened to our client, Clara. The outcome could have been far worse had she not
Are you traveling with children during the holidays? Passport Canada has a section for Children and travel filled with important information and tips to make your trip easier. Here are some more tips when travelling with children.
Have you ever crossed the border for a week-end of shopping? Or for a day of sun and fun at the beach? You absolutely need travel insurance! Don’t take any chances and make sure you always have a valid travel insurance policy in case you get sick or have an accident.
You’re pregnant and would like to travel? Will you be able to find travel insurance that will cover you? Let your broker do the research for you and inform you of any exclusions. If your doctor has asked you not to travel, there is no insurance company that will accept to cover you. Generally speaking,
Travelling During Pregnancy Several of our clients have contacted us regarding the recent article that was released “Baby’s Unexpected Birth In U.S. Leaves Australian Family Facing $1,000,000.00 in medical Bills” ( http://ow.ly/alqas ) We’d like to compare this story with a Torontonian woman’s story, Mrs. Parandian, who shared a similar ordeal. (http://ow.ly/alq8y ) Both women