Travel Insurance Blog
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Media announcements that major insurers are prepared to start covering COVID-related medical emergencies for Canadian out-of-country travelers will clearly put pressure on the federal government to ease its restrictions on international travel.
At present, Travel Canada maintains its “Avoid all non-essential “ warning for all foreign travel, even though European nations have opened up their borders to several countries—among them Canada—which they consider has adequately controlled the spread of COVID. The advisory warns that if travelers choose to defy the advisory “your insurance may not cover your travel or medical expenses.”
That of course, is a decision to be made by individual insurers not by government, and Manulife, Allianz and TUGO, Canada’s largest travel insurers have confirmed that as soon as the feds drop their advisory, they are prepared to offer COVID cover in most of their policies, under the existing limitations in their policies.
And Medipac International, the designated insurer for the Canadian Snowbird Association has gone one step further offering to provide COVID cover effective immediately, whether the government maintains its advisory or not. A spokesman for Medipac was quoted in the media as saying that snowbirds who own residences in the US are able to physically-distance just as effectively abroad as they can in Canada, and they are very “aware of the virus and the preventative measures that should be taken while travelling.”
The move by Canada’s insurers come several months after they announced that as COVID had become a widely-known event, they would not cover it in their medical policies and they gave Canadians out of the country at the time, several days to return to Canada before expiration of their benefits.
Since that time, insurance premium sales (estimated by the Conference Board of Canada as surpassing $990 million in 2018) have been stalled as the federal government maintained its blanket embargo on all out-of-country travel. It has also proven a serious impediment to Canadians making winter warm-weather travel plans as they are very committed to travel insurance. According to the CBoC, 76.6 percent of Canadians surveyed in 2018 had some form of travel insurance on their last trip out of the country.
The move by Canadian insurers follows similar steps by several of the larger American travel insurers to offer COVID cover for both medical and trip cancellation interruption cover for residents of the US.
© Copyright 2020 Milan Korcok. All rights reserved.
As the Canadian/US border shutdown moves towards autumn, snowbirds and short- term winter vacationers are being left with little time to plan their next moves or commit to travel plans that many have considered their God-given right during inconsiderate winter weather.
Though many Caribbean countries and Mexico have sent a hearty welcome to their northern neighbours, (see our previous article on this issue) there are some caveats that go with the invitation—masks, distancing, virus test verifications, stripped-down luxuries, even beach and surf patrols to ensure proper behaviour. Not great, but perhaps tolerable considering the alternative.
Florida at ground level.
Despite these offerings by other warm weather destinations, Florida remains Canada’s pre-eminent winter vacation destination, and given the recent reports of COVID surges throughout the state, many of them somewhat overblown, let’s take a ground level look everyday life in the Sunshine State today and what Canadians might expect to see and experience, should the border be freed of its current restraints.
Normalcy has not returned to Florida, but it has begun and is gaining momentum day by day.
Traffic is heavy and annoying. But that’s normal. Publix, Walmart and Costco are fully-stocked and doing big business—but masks and six-foot distancing are mandatory indoors. Most restaurants are open with spacing limitations. Open air venues are especially popular, and most are allowed to serve alcohol in its various formats. Malls are humming, and barbers, nail salons, gyms are for the most part open and operating quite well with mask and distancing requirements.
Hotels and resorts are open and doing a fair business from local travelers, with all of the health precautions in place—masks and distancing required until further notice. Generally, the rules are set locally, more stringent application in high density areas.
Most public beaches are being regulated and patrolled. The sand and sea is where it used to be, although the scenes of rowdy, alcohol-lubricated 20 and 30 year-old “students” and hangers-on cavorting mask-less throughout the July 4th weekend have precipitated tighter beach access—particularly in urban areas like Miami Beach.
As for the continuing presence of COVID, troublesome surges have generated unwelcome headlines for local businesses although Governor Ron DeSantis has vowed to keep the opening going and to have schools operational on schedule in mid-August.
COVID data as of July 21, 2020.
Florida’s Department of Health, which issues detailed daily reports from all counties and all testing sites
throughout the state has confirmed spiking of COVID transmissions, primarily in metropolitan areas: Miami-Dade, Broward, and Palm Beach counties accounting for about 48 percent of Florida’s new cases—and Miami Dade for more than half of all cases in this three county area. These data refer to individuals newly testing “positive” with the COVID virus, as opposed to those testing “negative.”
Since last weekend ending July 19, when as many as 156 deaths were reported over the previous 24- hour period, the daily death count has dropped to 90. But I note that COVID daily death counts are not necessarily accurate indicators of the spread or severity of infections at any given time as deaths may occur long after the initial diagnosis or infection—weeks or even months.
With well over 100,000 tests being conducted per day throughout Florida it was expected the detection of positives would rise, and it was until July 19. Perhaps a moderation is now setting in.
Hospitalizations have consequently risen, particularly iin Miami Dade, but Florida health authorities claim that statewide, there is sufficient hospital capacity to deal with the current numbers of new cases.
How do these rates compare to Canada’s experience with COVID? According to the Johns Hopkins Coronavirus Resource Center, Florida’s COVID- related death rate is 23 per 100,000 population, which compares very nearly to Canada’s COVID mortality rate of 24 deaths per 100,000 population. And despite the high media profile, Florida’s Covid -related death rate is at the mid-point of all other states, 24th out of 50.
We can all hope that deeper into the fall and certainly into the winter season, these data will be less intimidating and more normal travel conditions (with many fewer imposed restrictions) will prevail.
Regardless, you’ll have to be especially diligent in choosing your health insurance—both for cancellation as well as for medical benefits. Forget about the way you have buying insurance in the past. Looking for “cheap” insurance or waiting until the day before departure to make this important purchase is not healthy. Ask questions, read your policy thoroughly, consult with your doctor if you have the slightest questions about your health status, and demand clear and straightforward answers from your broker or travel advisor. Know what you’re buying.
© Copyright 2020 Milan Korcok. All rights reserved.
Summer is officially in full gear now. Isn’t it great? Warm weather is here! Backyard barbeques, long walks outside, swimming and picnics. But we all know it isn’t completely like old times, there’s still a little something different, right? COVID-19, the pesky little virus we’ve come to know all too well, is still around.
In Canada, we’ve done very well to minimize the spread of this virus. The majority of us have done an excellent job at following the public health guidelines to physically distance, wash our hands, avoid others if we are unwell and to wear a mask when appropriate. We look to our neighbours in the south and can see what occurs when the guidelines aren’t followed, and we don’t want that to happen to us. However, it’s tough to believe that we need to be vigilant when most of us don’t know people who are getting infected and we hear that only around 200 new cases a day are occurring across the entire country.
One of the truths about human nature is that it’s very hard to believe something is real unless we see it.
One of the truths about human nature is that it’s very hard to believe something is real unless we see it. I often think that what is even more powerful than seeing something bad happen, is to feel something bad happen, as experienced when a loved one or even, we, ourselves, endure a health-related crisis. We rarely can look at life in the same manner after that. Emotions are powerful.
As health care workers, we never lose sight of this. We all see and feel the reality of this virus and what it can do. We look at the chest x-rays, review the blood work, monitor the oxygen levels and experience the anxiety and fear of a patient who cannot breathe due to this infection. We place people on life support when they require it. We see the blood clots, strokes and heart attacks that COVID-19 causes. We see the kidney damage. We see the patients who have recovered from the virus but months later, are still unwell, struggling with debilitating fatigue, joint swelling and breathing problems. We also see that the vast majority of patients recover completely and are well again. This makes it easier to deal with because we know it’s certainly not all doom and gloom. But we know bad outcomes still can, and will, happen.
We need to remain vigilant about this highly infectious virus. It hasn’t disappeared and is still very much among us. We must accept some uncomfortable realities here. This virus doesn’t care about us – it just wants to spread. It doesn’t care about our economy or our mental health. As long as we give it the opportunity to jump from one of us to another, that is exactly what it will do. This isn’t “fair”, but whoever said the universe was always a fair place? At this time, it’s extremely important that we focus on what we CAN do to combat the spread of this virus, because we now know plenty on how to do that. And the good news is that much of it is pretty simple.
The simple things are the most powerful right now. Avoid close contact with others, especially indoors. This is one of the most important facts that has come to light recently. The virus seems to spread best indoors where people are in prolonged close contact. It also spreads outdoors where large numbers of people are close to one another, particularly when close talking, shouting or singing is involved, such as sports events or bar patios. Avoid those situations ideally. If you can’t, then wear a face mask, as scientific evidence shows that it reduces the likelihood of spread in those environments. One of the most common situations for all of us is visiting a store. We should all wear a mask when we go inside any building open to the public.
We need to wash our hands repeatedly and avoid touching our face and continue to develop that habit. Stay six feet away from others as much as possible and avoid being around anyone if you feel unwell, even if you just feel tired and have muscle aches, as these could be early or mild COVID-19 symptoms. We are still trying to understand it, but it does appear that the virus can be transmitted from asymptomatic people. At this time, it remains prudent to assume anyone you come into contact with could transmit the virus to you.
Fortunately, the measures we can take to protect ourselves don’t mean we need to be socially isolated. We can get out into the world and interact with family, friends and loved ones. We just need to be cautious about it and do it under the correct conditions. The public health measures we take can actually help us open up society. It’s incorrect to say that these measures keep us locked down, they’re our toolkit for getting out into the world. We’re in a good position in Canada right now. Let’s stay the course.
Now that Canadians have earned a spot on the European Union’s safe travellers list, does that mean you are free and clear to book summer vacations or family visits wherever you like throughout the EU?
The short answer is Maybe, and there are many contingencies to consider before you set your sights on spending part of the summer in Britain, France, Germany, Finland, Italy or any of the other EU member countries.
The UK, for example has taken the biggest step forward in welcoming foreign visitors by dropping the 14-day quarantine requirement for those from “safe” countries (US is not included) as well for returning Brits.
Ironically, the biggest problem for Canadians planning overseas travel is not their destination country, but Ottawa, which requires (as of this date) that Canadians returning from abroad may still be subject to 14-day self-quarantines. Sort of “Welcome Home. But…”
Specifically, Travel Canada warns: “While some countries are partially opening their borders, we continue to advise against non-essential travel outside of Canada. We also continue to advise that you avoid all cruise ship travel until further notice.
“The governments of those destinations that have opened their borders to tourists could impose strict travel restrictions suddenly, should they experience an increase in cases of COVID-19. International transportation options could be reduced significantly, making it difficult for you to return to Canada. There are no plans to offer additional repatriation flights. Should you decide to travel despite our advisories, know that you might have to remain abroad longer than you expected.”
The government also notes that if you choose to travel despite these advisories: “your travel insurance may not cover your travel or medical expenses,” which is a huge risk factor in these uncertain times.
Travel policies vary: Know what you’re buying
At present, Canadian travel insurers do not have a unified policy re coverage of medical emergencies to countries affected by the pandemic. So if you’re contemplating foreign travel you need to do your due diligence (homework).
Some policies may cover non-COVID-related medical expenses in areas the government has warned against “non-essential” travel if you’re stricken with a sudden medical emergency such as, for example, appendicitis or gallbladder attack. Other policies may exclude coverage for any medical expenses (related or not to COVID) in “non-essential” travel zones. But none, at this point, will cover COVID-related medical services, as the coronavirus pandemic is a known event against which global travel warnings have been issued.
Clearly, you need to have a very clear understanding of what your policy covers or does not cover.
This is not a “fine print” issue. This is fundamental to your understanding of your own health coverage.
Your provincial health care will not bail you out on this point.
Canada’s exposure more modest than most.
What makes this situation so ironic is that Canada’s exposure to COVID-19, when measured by diagnosed positive cases and death rates, has been far more modest than many of the countries now opening up for tourism.
Example: as of July 5, 2020, Belgium has recorded 855 COVID-related deaths per/million inhabitants; UK 666; Spain 607; Italy 578; France 446 per million; while Canada has recorded a modest 236 COVID-related deaths per million inhabitants. Germany has shown the best record among European nations at 108 deaths per million, and the US has recorded 396 per million—considerably less than most European countries.
Again. The Canadian government is not forbidding you to travel abroad—or even to your second home in Florida or Arizona. But know the conditions, and when it comes to travel insurance, don’t rely on your long history of cross-border experiences. The world has changed and you need to discuss your travel insurance options with travel advisors you can trust to be up-to-date and knowledgeable.
© Copyright 2020 Milan Korcok. All rights reserved. Mkorcok@aol.com
As companies around the world organize their employees’ “physical” return to work, questions about the psychological challenges employees experienced during the lockdown should be addressed. Taking into account the mental health impacts of COVID-19 will fortify a safe and successful return to work. This webinar will help to better understand these impacts by reviewing concrete examples and recommending practical measures to implement.
O U R E X P E R T S W I L L D I S C U S S :
The session takes place at 8:00AM – 9:00AM (EDT) on Thursday, June 25, 2020. It is especially relevant for anyone in a leadership or Human Resources role.
OUR SPEAKERS:
Dr. Annie PEYTAVIN
Chief Medical Officer, MSH International
Based in Paris, Dr. Peytavin is Chief Medical Officer of MSH International. She coordinates the activities of all MSH medical teams (including doctors and nurses) across regional head offices in Toronto, Paris, Tunis, Dubai and Shanghai.
Barbara MATTISON
Senior trainer, Psychotherapist, Eutelmed
For over 20 years, Barbara has worked with individuals and teams to develop their strengths in international situations. Born in the United States, and having resided in the US, Canada, the UK and Algeria, she is a psychotherapist and senior trainer based in Paris. Her interventions within organizations generally encompass management and team solutions, intercultural communication or international mobility.
Albane GIACON
Clinical Psychologist, Project Manager, Eutelmed
Albane Giacon is a psychologist, psychosocial risk consultant and project manager at Eutelmed. She has resided and worked in the US, China, India and France. Her expertise includes work changes, stress and conflict management.
Please note that participation in this webinar is limited to the first 1,000 registrants. Full details on how to join will be sent upon registration. A recorded version will be made available after the session for those unable to participate.
The latest versions of Google Chrome, Mozilla Firefox, Microsoft Edge or Opera are the best advisable options for webinar access.
Best regards,
The MSH International and Eutelmed teams
You might hear people say that Canada is turning 153 years old this year. What this really means is that we’re celebrating the 153rd anniversary of the Constitution Act of 1867, which established Canada as a country. In actuality, this place is a whole lot older than 150 years!
Long before European settlers showed up, this land was inhabited by Canada’s First Nations. In fact, they’ve been living in the place we now call Canada for at least 12,000 years. (Learn more about the first peoples of Canada.)
Of course, having lived here for such a long time, our various First Nations groups have their own unique explanations as to how our country came to be. Read some of those creation stories here—and find out why some know North America better as “Turtle Island.”
For the key events in Canadian history since Europeans came to our shores, see this summary of Canada’s history from the Canadian government (also available in French). It has an audio version, too!
Canada is huge! It spans 9.9 million square kilometres—and it’s second in land mass only to Russia. It also has the world’s longest coastline at 243,000 km.
Despite being so big, when it comes to population size, Canada is only number 35 on this list. In other words, we have plenty of open space to discover!
Check out this collection of maps to help you explore Canada further.
Every Canadian who had a television in the ’90s will have many memories of Canadian Heritage Minutes—short films about important moments in Canadian history. Good news for newcomers: You can still get up to speed on your Canadian nostalgia, as all of the Heritage Minutes are available online! (Watch now.)
As America prepares to pare down its recruitment of international students—citing tighter immigration controls, job protection for homegrown graduates, concerns about China’s infiltration of intellectual properties, and the lingering consequences of COVID —Canada’s colleges and universities are polishing the welcome mat, beefing up online alternatives, extending post-graduate work guarantees, and ultimately strengthening Canada’s position as the world’s third most favoured destination for international students.
According to Immigration, Refugees and Citizenship Canada (IRCC), international students to Canada have more than trebled their numbers since 2009, peaking at 642,000 in 2019—behind only the US and Australia. Of these, 48 percent have chosen to study in Ontario, 23 percent in British Columbia, 14 percent in Quebec and the remainder have spread across all of Canada’s other provinces.
Clearly, the onset of COVID will impact those numbers going into 2020/2021. But in May, IRCC announced accommodations to shield international students from major disruptions by expanding their options for distance learning, allowing them to complete up to 50 percent of their programs abroad while waiting for clearances and documentation to fly to Canada, easing other entry requirements for those who have already been approved for study permits, and also allowing them to retain their eligibility for the highly-sought Post-Graduation Work Permit Program (PGWP) even if they were absent from Canada for some of their allotted time.
The PGWP program allows eligible international graduates to work in Canada after their studies for a period of up to three years as part of the government’s efforts to retain them as skilled workers, and ultimately tax-paying citizens.
The following links provide detailed updates from the Canadian government and the Canadian Bureau for International Education for international students already enrolled, as well as those interested in applying to post-secondary educational institutions.
Different provinces, different rules
Navigating the Canadian post-secondary educational landscape can be challenging as the individual provinces have their own rules, admissions requirements, fee structures, and not to be overlooked–health insurance options that can’t be ignored. Though the quality of Canada’s health care is regarded highly, it’s not a single unitary system, but a consortium of individual provincially-administered plans—only some of which are available to foreign students.
In the western provinces–British Columbia, Alberta and Saskatchewan and Yukon territory, as well as Prince Edward island and Newfoundland and Labrador on the east coast, international students may be eligible for or buy into the publicly-funded provincial health insurance available to Canadian residents. These plans provide comprehensive medical and hospital coverage and doctors’ services. But even in some of these provinces, students might need private insurance to cover initial residency requirements—perhaps 90 days—before the provincial coverage kick in. Again, it differs from province to province.
In Quebec, international students are not eligible for publicly-funded provincial insurance unless they normally reside in one of 10 countries* that have reciprocal social security agreements with Quebec. If they do, their health coverage is free. *Belgium, France, Norway, Sweden, Denmark, Greece, Portugal, Finland Luxembourg, Romania. If they don’t, they will have to enroll in the private group health plans offered by their chosen schools.
In the remaining provinces, including Ontario, international students must sign up for private group plans available through their schools of choice and pay the designated fees.
Out of country travel coverage is a priority.
Though the publicly–funded provincial plans are quite comprehensive, many Canadians buy supplementary plans to cover dental, vision, drugs and ancillary services not covered by their basic provincial coverage. The great majority of Canadians in all age groups also buy private travel health insurance for out-of-country trips as provincial plans cover less than five percent of hospital or medical bills generated in other countries, including the United States, where bills of five to ten thousand dollars per day or more are routine. The province of Ontario, in fact, pays zero dollars for any foreign medical bill, so even a short half-day shopping trip across the border needs to be covered.
Fortunately, private travel insurance is widely available from brokers, banks, credit unions, travel agencies, even organizations catering to students—foreign or domestic.
International students have a broad range of choice in selecting health insurance to fit their educational and social needs in Canada. But it takes planning at the earliest stages and possibly with the assistance of Canada’s health insurance vendors to make sure they get it right. The securing of health insurance should not be considered a last-minute item or add-on.
© Copyright 2020. Milan Korcok. All rights reserved.
If ever there was ever a time for Canadians to consider travel insurance mandatory—this is it.
With much of the western world inching toward re-opening leisure (non-essential) travel, the prospects for mandatory temperature checks, health status certificates, quarantine requirements, and unexpected cancellations are expected to last for the remainder of 2020 and perhaps into 2021.
And if an illness, or even a high temperature reading, can force you into a 14-day quarantine (imposed either by your host country or your own government) consider the cost.
To date, most governments (Canada’s included) have strongly urged travellers leaving their country to get the best medical and trip cancellation/interruption insurance possible. Their travel advisory websites have gone to great lengths describing the types of insurance available and the situations that can trigger the need for cover. The need for this was clearly illustrated when the Canadian government sent chartered airliners across the Pacific to rescue hundreds of its citizens “stranded” on COVID–infected cruise ships.
Do the math yourself—three or four days in a foreign hospital at several thousand dollars per day, then add the possibility of an air ambulance repatriation at say $25,000 from Florida; $35,000 from deep into the Caribbean, or $70,000 from central Europe. And supplement this with the prospect of a mandatory quarantine at your host destination while air ambulance operators work to get government-required health clearances to allow you to leave your island destination and another round of clearances to allow you back into Canada. Sound like drummed up horror stories?
Here’s a real scenario for one of the Caribbean’s most highly favoured locations, St. Lucia, which expects to open for tourism this summer or fall, but with the following conditions:
This is just a sample. Many other Caribbean governments are using similar tactics to protect their citizens. Go to http://www.caribbeanhotelandtourism.com/ and click on Travel Advisories for individual Caribbean locations as they are updated.
Europe too is proceeding with caution.
Many countries in the European Union (still including the UK) are opening up to tourism from other EU partners, but on a selective basis. US President Trump has also signalled a willingness to begin allowing travellers from certain EU countries (starting with the lower risk nations) to enter the US subject to the restrictions imposed by the states and counties they are visiting.
This easing would apply to Canadian travellers as well, pending changes to the current lockdown of the Canadian/US border for non-essential travel. Certainly many of Canada’s snowbirds would challenge the “non-essential” characterization of their winter sojourn in a more equitable climate. But then, snowbirds don’t have to be sold on the “mandatory” nature of their travel insurance. They don’t need a ruling from Ottawa telling them how essential their coverage is: younger groups—not so much.
Canadian travel insurers are working to update policies to account for the new restrictions, so when purchasing your travel insurance, make sure you are thoroughly updated about any changes, new health disclosure requirements, and understand the limitations of trip cancellation clauses. Trip cancellation coverage has not been as high a priority as medical coverage in the Canadian travel insurance marketplace. That must change and you need to become much more conversant about what cancellation policies cover, to what extent, and what they don’t cover. Read your policy. Every page.
© Copyright 2020 Milan Korcok. All rights reserved.
Remember back in early to mid-March when the reality of COVID-19 was sinking in? Before that point, we knew it was an issue of concern, but we didn’t think it was much to stress over. However, we slowly began to realize that the virus was spreading in the community in North America. We heard horror stories from hospitals in Italy, where health care staff were overwhelmed. We began to see the same thing happening in New York City. All of a sudden, it changed, and our lives were altered dramatically.
We immediately went into lockdown. We didn’t leave the house unless absolutely necessary. March Break vacations were cancelled. Restaurants and stores were shut down. Schools were closed. We started working from home. We carefully wiped down our groceries and washed our hands obsessively.
I listened to a podcast recently where one of the speakers likened it to what happens when someone drops a glass on the floor of a crowded house party. I really like that analogy. The glass shatters everywhere, all among everyone’s feet on the floor. The first instinct in these situations is for someone to shout, “Nobody move!” We say this because everyone knows that the shards of glass can go everywhere in these situations, in places you would least predict; places so far away that you are dumbfounded at how they got there. It’s also amazing how so many tiny pieces of glass are produced from such a smash, some so small you can barely even see them. But those small ones can often prove to be the most damaging as they can become embedded in the bottom of your feet and be almost impossible to get out later. With everyone standing still, someone then gets a dustbin and a brush and tries like the dickens to clean up all the pieces of glass, looking in all possible places they think they may be hiding. Then, people slowly and carefully start moving around again, realizing that surprises can still happen, and they may end up standing on a piece of glass. So, we take our time. Eventually, people start moving around normally with more confidence. But we all know what can happen: a few hours, days or even weeks later, another small piece of glass is discovered in the strangest of places. We can never be truly confident that we are out of the woods for quite some time. However, at the same time, we cannot be paralyzed forever. Life and the party must go on.
We are coming out of that initial phase right now. We are much more aware of what is happening. We have a better grasp of where the virus is in the community and how it spreads. We know how to prevent ourselves from being exposed, with face masks and hand washing now a part of everyday life. Staying six feet away from others is common practice whenever we walk down a sidewalk or take a trip to the grocery store.
The challenge right now is deciding how confident we feel in resuming our regular lives. Should we start having friends over who we feel are “safe”? Should we allow our kids to play with the neighborhood kids in small groups? Should we send our kids to day camps this summer? Can we visit our elderly parents? These are some of the questions many of us have.
I think what is required from us is patience. Patience with an imperfect process that must take time and be dictated by science, data and expert opinion. We need to trust our expert decision makers, who are tasked with the impossible job of devising a plan to optimally protect us. The process cannot be rushed because we are in the midst of a complex and new situation. As we all have noticed, experts haven’t always gotten it right. First, they said no face masks, then they reversed their opinion. First, they said not to worry about asymptomatic spread, then they said to be concerned about it. First, they said not to worry about children because they are only rarely adversely affected. Now we are discovering that may not be true. These things happened because we learned more. The virus has affected more and more people, so with that increase in the number of infections comes more and more understanding. We are so early in the process of comprehending every nuance about this new virus. In three months, we have come a long way, but at the end of the day, it is still just three months. Our ability to be confident in making big decisions like allowing all children to go to overnight camp for the summer has to be tempered with the humility of what we actually know to be true right now. We may overcall some things in this process but understand that we may undercall some things and live to regret them dearly. It’s a tough position to be in. When do we walk around freely after a glass has been shattered on the ground? When do we risk getting pierced by a wayward tiny shard of glass? No one has all the answers. Let’s not be paralyzed by fear, but let’s not be overconfident. A tough line to walk, but here we are. Let’s be patient, trust the process and we will overcome this.
Any other year, Canadian snowbirds would be anticipating the release of early-bird travel insurance deals for the coming winter season in the US sunbelt or other warm subtropical location. June, July, August—that’s when insurers normally begin rolling out their products for the coming season.
But this is not just any other year. The attack of Covid-19 coronavirus has seen to that.
As we know, many of you got back north of the border by the skin of your teeth in late March and April before the border shut down. A few others didn’t quite make it and had to pay the price of quarantine.
And now the quandary: what to do about winter 20/21? A lot of questions to deal with.
When will the US/Canada border restrictions end? Will you feel safe travelling to your winter home? Will you have to wear a face mask all winter? How do you know who to believe? Is it time to look beyond the fear?
Let’s start with some facts–as provided by John Hopkins University Coronavirus Resource Centre, official data monitor for coronavirus Infections and deaths worldwide.
The US, which is the winter home to most of Canada’s snowbirds, has attracted much attention for its COVID-related death toll—now exceeding 80,000. That amounts to 242 deaths per one million inhabitants. (The US has a population of 330 million). Actually, that’s quite modest when compared to other major developed nations: 757 deaths per million inhabitants of Belgium; 569 per million for Spain, 505 for Italy; 479 for UK, and 393 for France. As for Canada, Covid-related deaths stand at 134 per million population, and for Germany, only 92 per million. These figures are current for May 11.
But in looking more closely at the US figures, we note that the states of New York and adjacent New Jersey account for almost one half of US COVID-related deaths while there remain huge swaths of America where the infection and death rates vary dramatically. Of special interest to snowbirds,
their home-away-from home states generally record considerably lower COVID death rates than many less populated ones. California, Texas and Florida are the top three most populous of US states, in that order. Arizona has a far smaller population but is second only to Florida in hosting Canadian snowbirds.
Florida, with a population of about 22 million, has recorded 1771 COVID-related deaths as of May 11. That’s slightly better than Ontario, which with a population of just over 15 million has recorded 1669 deaths. (The population figures are rounded to 2020 estimates).
California, with a population of close to 40 million has recorded 2717 COVID-related deaths; Texas, with a population of about 29 million has recorded 1088 COVID-related deaths, and Arizona, with a population of about 7 million has recorded 536 such deaths.
A personal note from MK. Recording numbers of deaths is a grim business. No death from COVID or any other such plague is acceptable. But if we are to deal with our fears, we must take a step beyond, and deal with the facts that underlie those fears.
The re-opening—so far, gradual and measured.
All of these states are now gradually reopening small businesses such as restaurants, small retail outlets, and generally inhabitants are adhering to physical distancing and face mask rules. Florida has opened up most of its beaches to small groups, properly spaced. The spring break outbursts that made headlines around the world in March and April were quickly quashed by Florida’s governor. The exception to Florida’s beach re-opening so far are the highly-populated southeast counties of Palm Beach, Broward and Miami-Dade. But central Florida, the Gulf coast, northeastern Florida and the panhandle are well into re-opening.
In Arizona too, the lights are being turned back on. To quote a report from the Washington Examiner:
“At OSO Brewery in Gilbert, customers lined up at the bar Monday afternoon (May 11) and sat in every other dining room table. In North Scottsdale, Cien Agaves had new clear plastic dividers between booths as mask-clad staff offered digital menus to customers.”
In Texas, restaurants and retail stores have been allowed to re-open (with 25 percent occupancy), so have some malls and golf courses (one person per cart and a four-player maximum groups). In the Rio Grande Valley, ground zero for Canadian snowbirds, barbershops and nail salons have also opened up—six feet minimum between stations and all other social distancing rules in effect.
In California, the “stay at home order” was lifted for most of the state on May 8, and hardly a week later was reinstated for Los Angeles county for a projected three months. Nonetheless, businesses in less- populated areas were allowed to move into phase two of four phase statewide re-opening.
It’s a beginning. How long will it take? Will it be successful or turn out to be a mistake? It’s only May. But Canadian snowbirds like to do their planning well ahead of time. To be a successful snowbird, planning is the rule.
We’ll be following up on the re-opening efforts, not only in areas of interest to snowbirds, but for other leisure travellers as well. Stay with us.
© Copyright 2020 Milan Korcok. All rights reserved.
That Air Canada expects the pandemic hangover to last at least three years, exposing the airline industry to endure its “darkest period ever,” portends deep instability for all aspiring travellers for the foreseeable future.
Canadians and Americans have a lot of places to go and activities to enjoy within a day’s drive—anticipating that the border shutdown between our countries doesn’t last indefinitely.
But without the sustenance of air travellers, the tourism infrastructure—hotels, entertainment venues, theme parks, all-inclusive resorts, and mom and pop roadside operations, can’t operate at full capacity and with complete menus for long. A winnowing of destination choices and services becomes inevitable.
As Air Canada Chief Executive Calin Rovinescu said in a statement dated May 4, “We expect that both the overall industry and our airlines will be considerably smaller for some time, which will unfortunately result in significant reductions in both fleet and employee levels.”
What you can extrapolate from that prediction is that other smaller airlines will suffer the same fate, perhaps even more acutely. And what this represents for your summer, fall and perhaps even winter 2021 travel plans, is that you prioritize your choices, get the most you can for your dollar, perhaps stay with what you know, scrutinize those “too good to be true” deals carefully and above all make sure you are protected should your plans change through no fault of your own.
Hold on to your money
Don’t commit to large deposits unless you have an assurance you can get all or most of your money back if you cancel. In these days of uncertainty there are plenty of hotels or resorts that are willing to cancel at the last minute (or at least within 48 hours of your scheduled arrival). But make sure you have those terms in writing and you can get your deposit or full prepayment back in cash. A refund in the form of a voucher or credit for future travel is no good to you unless you’re prepared to be an interest-free lender to your venue of choice for an unspecified amount of time.
This is particularly true if your choice of vacation is a cruise, as cruise lines don’t normally offer cash refunds—except when really pressed—as they are now that their ships are empty and idle. Today it is possible to get some guarantees of cash-back refunds from some lines, but that won’t last once the worldwide embargoes on cruise travel are lifted. And even if you have private travel insurance from an independent broker, unless you have a Cancel for any reason upgrade, don’t expect the insurer to provide a cash refund if your cruise line offers you a voucher or credit for future travel. That’s seen as payment in kind, and your insurer looks askance at double dipping.
The same is true for many airlines that continue to refuse cash refunds –even despite federal government orders that they do so. Both Canadian and US airlines are still resisting paying cash refunds for trips canceled due to Covid—despite government orders and class action court suits. In Europe, the governments of 12 countries are challenging the European Union to revoke a law requiring air carriers to offer cancelled-out passenger cash refunds instead of credits.
You don’t want to be stuck in the middle of these disputes. Read your travel documents carefully—every word. Don’t get locked into a situation where your money is tied up indefinitely even if the deal you’re offered “is too good to be true.”
And if you’re using a travel advisor—travel agent or travel insurance broker– make sure you understand the deal you’re making. And as a bottom line-put out as little cash as possible, and only at at the last possible minute.
© Copyright 2020 Milan Korcok. All rights reserved.
The decision by public health authorities on whether or not to recommend the use of face masks was a difficult one. One of the biggest reasons was that educating the public on how to safely wear a face mask is challenging, because of the many details involved.
During my recent forays into the public, here are the top 5 issues I have seen with people wearing masks:
Wearing a face mask is a public health measure that is likely to be helpful at this time of the pandemic. However, doing so requires a careful understanding of how to wear one properly. Remember, once you arrive home, wash or sanitize your hands, then remove your face mask. Immediately place it in the wash or dispose of it, and wash or sanitize your hands again right after. Please stay safe, everyone!
Being a teacher isn’t easy, especially in a COVID-19 world with virtual classrooms and technological challenges. This Teacher Appreciation Week, we pay tribute to all teachers by sharing five heartfelt videos to show our solidarity with their efforts and appreciation for all they do:
Source: Ted Talks Education
Source: Edutopia
Source: NowThis
Source: TheNews&Observer
Source: Wane.com
– The StudyInsured Team
The current COVID-19 pandemic has led to an unprecedented effort by scientists around the world to develop a vaccine. Vaccines are important to protect us where the risks of natural infection are significant.
COVID-19 is a more deadly and dangerous virus than the flu. While we still do not have definitive data on the true risks of infection with COVID-19, one can safely say that places like New York City or Italy have never seen a flu season similar to what they are currently going through. Since mid-March, more than 60,000 people have lost their lives in the United States due to COVID-19.
It is important to note that this has happened despite the institution of public health measures like physical distancing, quarantines and self-isolation. If not for these, thousands more would have died.
Is Allowing Natural Infection a Good Option?
One way to protect the population is to allow the infection to spread so that most of us successfully fight it off and become immune. Once that happens in a significant percentage, the virus has a reduced ability to spread and we can better contain it. Scientists currently estimate that around 60% of the population needs to be immune to COVID-19 in order to considerably reduce its ability to spread. We call this herd immunity.
The problem is that if we allow COVID-19 to infect that many of us, the loss of life and the impact on the health of many individuals would be too great, even if we allow only “low risk” individuals to become infected.
Experts have estimated that the COVID-19 infection fatality rate (the ratio of deaths divided by the number of actual infections) is approximately 0.5%. That’s lower than the case fatality rate (the ratio of the number of deaths divided by the number of confirmed cases) of 5 to 8%. Why is this? Because it considers all infections, including those that are asymptomatic or with minimal symptoms where individuals did not see a doctor to get tested.
If we allow 60% of the population to get infected, the estimated deaths could run as high as 1 million in the United States and 111,000 in Canada.
That’s unacceptable. We must find another way.
The Safest Route
Vaccination is a way for most of us to become immune, while not placing our lives and health at risk.
But developing a vaccine is not easy. We must be able to prove that we can create a significant immune response with it. That immune response then needs to be shown to be protective when exposed to the virus.
We must also demonstrate that the immune response lasts for a considerable length of time; it wouldn’t be useful to have a response that only lasts for a few months. It should last for at least a year, and longer, to be helpful. More importantly, it must also be shown to be safe.
Patience is the Key
Vaccine development requires following a very careful and sound scientific process that takes time. It is estimated that it will be at least 12 to 18 months before we can develop a vaccine that is acceptable for use in the mass population.
The World Health Organization (WHO) currently reports that there are five candidate vaccines being studied in 71 preclinical studies. From here, there will be clinical studies where they will be tested in small groups and then larger groups of patients.
We must be patient with this process. The last thing we need is for it to be rushed. A good example is what happened in 1976 when a vaccine for swine flu was fast-tracked for development. When rolled out to the mass population, it was found to cause a significant number of cases of a serious neurological outcome called Guillain-Barré syndrome.
What to Do While We Wait
In the meantime, public health measures like physical distancing can lessen the spread of infection. Many clinical trials are also looking at the use of different medications to improve outcomes in those who have been infected. It goes without saying that optimizing our health with good diet, exercise and sleep as well as reducing stress likely helps the ability of our own immune system to fight off an infection.
All these interventions act as a bridge until we are able to develop a safe and effective vaccine that will hopefully protect all of us and allow us to return to a more normal life.
The evolution of the brain is the most obvious example of how we evolve to adapt.
Rick Potts, Director of the Human Origins program at the Smithsonian Institution National Museum of Natural History
We’re all living in a new world, and the self-isolation that comes with it. As social beings, we’re used to living our lives by connecting and empathizing with others. Read on for some survival tips on how to cope with our new reality, as told by a nuclear submarine captain about his experience on a U-boat.
1. Ask questions: “How are you feeling today?” has become our new greeting – and that’s fine. We need to reach out to friends and family and check in every day. It instills empathy and reminds us to feel that we’re not alone.
2. Think first, act later: When living through stressful situations, we tend to act on instinct. Let’s slow down the decision-making process and implement a ‘think, then do’ action plan.
3. Focus on one thing: As with days, it’s important to take one task at a time. Multi-tasking during this time may compromise the quality of what you’re trying to do.
4. Discipline: Create a ‘downtime routine’ in a quiet space. By this point, you know what routine works best for you, so stick with it, at your own pace.
5. Maintain a clean environment: Your external world reflects your inner world. Keeping everything in order helps to maintain levels of calm and boost your creativity
The most important thing is to focus on what you can control, one day at a time. No matter how challenging our new world may be, we have the capacity to think creatively to get us through it.
Despite the lingering images of cruise ships stranded at sea with passengers begging to be freed, the world’s cruise lines continue to drum up business for 2021 and even 2022. And bookings are said to be brisk–thanks to deep price-cuts and on-board cash value incentives.
When US Centers for Disease Control and Prevention (CDC) lifts its “No Sail” order depends on when it considers the COVID-19 plague under control. And though cruising is a worldwide industry extending far beyond US ports, the world’s three biggest lines*are headquartered in Florida, and their vessels at some time or other sail in US-controlled waters patrolled by the US Coast Guard. Thus, CDC jurisdiction is quite clear. (*Carnival Cruises, Royal Caribbean, and Norwegian Cruise Holdings account for 60 percent of all cruise traffic).
However, none of these lines, and very few others, are flagged in the US, thus they have not been included in US congressional economic stimulus programs and while sitting idle and empty they’re generating no revenue. Fortunately, according to cruise ship analysts, all of the big three have sufficient liquid and credit reserves to take them into 2021 and so cruise fanatics have a bountiful choice of bargains to choose, even though they may have to wait six, twelve, even 18 months to get the goods.
Is cruising in your future? Here are some things to consider.
Cruise patrons whose trips scheduled into early summer 2020 have already been cancelled are being offered some generous future cruise credits (FCCs)—some exceeding the initial cruise value (i.e, 125 percent). A few are even offering cash rebates of fees already paid to those whose enthusiasm for cruising may have waned. Cash rebates are a rarity in the cruise industry. But for future cruises, the cash rebates may well disappear, leaving FCCs the only means of recouping your travel investment should you wish to cancel.
All cruise lines offer trip cancellation policies and promote them heavily, but cancellations must be based on specified circumstances such as job loss, illness, family death, call too jury duty, etc. You can’t just change your mind, although virtually all lines now also offer Cancel for any Reason (CFAR) policies which cost about 40 percent more than basic plans and which expand the range of cancellation options. However, even these are not without restrictions and need to be thoroughly examined before purchase.
Most decrease the cancellation payout the closer you are to departure.
And even the CFAR cancellation plans offered by cruise lines, for the most part provide only for future cruise credits, not cashbacks to you or your credit card.
For Canadian cruise enthusiasts, out-of-country emergency medical plans (most of which provide some limited cancellation/interruption benefits), or stand-alone trip cancellation plans allow cancellation for specified situations already explained. But they too will pay cash rebates only for non-refundable costs, so if a cruise line offers vouchers for future travel, that obviates your chances of getting your money back (or some portion of it).
And most important, if there should be a resurgence of COVID later on, that will disqualify any claims for cancellation rebates as it is a known event and you will have been warned about its possible consequences and also warned that its effects would not be covered by travel insurance.
What does this boil down to? Trip cancellation/interruption coverage has a lot of contingencies attached. You need to discuss it well with your travel advisor and you need to read the policy—all of it.
If planning and pre-paying a cruise six months or more in advance sounds attractive because of the 25 percent reduction in fare, weigh all of the possibilities. The belief that “We can always cancel” is not necessarily so. Know your policy.
© Copyright 2020 Milan Korcok. All rights reserved.
In Canada, our efforts to flatten the curve are going well. Thankfully, we haven’t seen the same surge of cases that hit New York City, Italy and Spain. Don’t get me wrong, those of us on the front lines here have seen a lot of cases, but so far, our health care system hasn’t been overwhelmed. While our good fortune has much to do with our heeding of public health guidelines, collective uptake of physical distancing rules and staying home as much as possible, I’m still a little worried. There is something about our human nature that concerns me.
At times, public health strategies can become the victims of their own success. Vaccines are a great example. The incidence of diseases that were once part and parcel of everyday life has been greatly reduced, and in some cases, eradicated completely with the advent of vaccination. As we don’t see these diseases much anymore, we don’t learn to fully appreciate their potential severity. With time, we begin to think that the diseases are nothing to worry about. Some may begin to think that it would be acceptable, and perhaps even beneficial, to get these diseases naturally in order to build “natural immunity”, which can sometimes be more robust and lifelong. With time, some people begin to fear vaccinations themselves, focusing on the associated tiny risks, rather than the risks of contracting the diseases they prevent. This loss of perspective plays a large part of the anti-vaccine movement.
We must stay the course right now. Physical distancing has reduced the impact of the infection we are seeing in Canada, but this does not mean that we can breathe a sigh of relief and head back to a normal life anytime soon. Our success with public health measures should only harden our resolve to keep it up even more. We need to look at hugely impacted areas of the world for a harsh reminder of the truth as to what this virus can do – a good place to start is hearing stories from front line emergency doctors and nurses in New York City.
There is a good reason why doctors and nurses who treat critical illnesses on the front lines believe whole-heartedly in public health measures like vaccines and physical distancing. It’s because we are immersed in the reality of what can happen in life and we never lose that perspective.
Committing ourselves to continue physical distancing is even more important than ever. We have seen success and that should spur us all on to continue. Our success should not lead us to think that it was unnecessary to institute preventive measures in the first place, or that we don’t need to follow them anymore. The outcome we have seen is a result of the actions we have taken thus far – let’s not forget that. If a house were on fire, and the fire department was called to extinguish it, would we then argue that the fire department wasn’t needed after the fire was put out? Or similarly, if someone with a serious blood infection were admitted to intensive care and put on intravenous antibiotics, would we look back and declare that the antibiotics weren’t needed because the patient recovered?
Physical distancing is working. We should all be proud of our collective efforts that have saved thousands of lives and eased the burden on our health care system. Success should breed more of the same, and not be used to deny the seriousness of the situation. With time and a better understanding of this virus, we will be able to slowly and safely return to a more normal life. One thing is for sure: we will get through this together!
Do you know the difference between a travel insurance solution and iPMI (International Private Medical Insurance)? Do you want to learn how to successfully overcome global mobility challenges? Get the right global mobility strategy to embrace these changing times in a free CE Credit Webinar on Wednesday, April 29 or Wednesday, May 6, sponsored by MSH International (Americas).
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It may be too early to think about getting back to “normal” once the threat, and the carnage, of COVID recedes. It could be that what was once normal just isn’t realistic anymore.
In Europe, border-free travel between neighbouring states is no longer a given. We have seen how quickly self-preservation can overrule an ideological imperative.
In North America, the unthinkable action of shutting down the “world’s longest undefended border” has actually happened—even though commerce continued and most “trapped” travellers eventually found their way home. But just the fact that it could be shut down came as a stunning shock of millions on either side of the so called 49th parallel who had come think that “crossing over” for a few days or half a year was a basic human “right.”
It isn’t. It never has been. It’s a privilege. And it can be withdrawn if push comes to shove…quickly. Reality can be stark.
How are these new “realities” going to colour our perspectives as we go about rebuilding our travel plans, our instinctive sense of freedom to move about and to enjoy the riches of globalization (while enduring its hazards).
As we will see in a Conference Board of Canada report soon to be released, the Canadian consumer confidence index (the level of confidence consumers have about making major purchases of goods and services—such as travel) fell to its lowest level “ever” in March. In effect, respondents were extremely negative about their household finances, future job prospects and plans to make any big purchases. As the CBoC report concludes, given that Canada is in the midst of major job losses and is facing a Q2 economic contraction of 25 percent, this recession will be very bad.
For the travel industry, air carriers, tour promoters, travel agents, cruise lines, and travel insurers this is not good news—although travel insurers might regain a little bounce given the public’s growing recognition that major travel purchases can be insured against sudden, unexpected trip or tour cancellations or interruptions. Canadians have been so focused on covering medical emergencies abroad that they have largely neglected to possibility of non-medical contingencies ruining their travel hopes and financial investments. Maybe COVID has shaken Canadians out of that inertia.
So far, the 21st century has visited SARS, MERS, the SWINE FLU and now COVID on us all. We didn’t seem to have learned too much from the first three of these plagues. But maybe the last of these, affecting virtually every country on earth, has awakened us to the need to be prepared for anything and everything.
Maybe now we won’t think of getting on a plane for a week on Italy, Cuba, or Fiji; or a cruise to Cambodia; or a weekend in Las Vegas of New York as just another right of passage—requiring nothing more than a credit card and a jar of suntan oil.
It may be some time before tourism gets back to normal, but one thing the COVID pandemic should have taught Canadians is that they should be paying just as much attention to trip cancellation/interruption insurance as they do to out-of-country medical emergency coverage.
The recent example of cruise ships being forced to cancel or divert trips for which their passengers have already prepaid several thousand dollars emphasizes that travelers could be at significant financial risk very quickly through no fault of their own. And though cruise companies have responded with pledges of refunds for interrupted or aborted voyages, those refunds usually take the form of credits for future cruises—not cash. Such credits don’t always confirm vacationers’ schedules or their changing attitudes about the cruise experience.
A 2019 survey by travel insurance vendor Kanetix revealed that 65 percent of prospective Canadian travelers do not buy travel insurance or even know if they have cancellation or interruption benefits in their policies—which in Canada are heavily skewed to medical emergency coverage. By contrast, over 80 percent of American travel insurance policies are purchased primarily for trip cancellation/ interruption coverage, and fewer than 10 percent for major medical benefits.
The survey also indicated that 36 percent of Canadian travelers who choose not to buy trip cancellation policies believe them to be too expensive, while 28 percent assume they are covered by their credit cards. That’s a risky assumption as credit card coverage is primarily designed for short-term travel and is not as inclusive as a stand-alone policy designed for an individual traveler’s specific medical needs.
Generally, Canadians have come to see travel insurance as a medical necessity largely because provincial health plans pay so little (Ontario nothing) of the hospital and medical costs charged by out-of-country providers. It has become tangential to medicare so much so that over 70 percent of Canadians wouldn’t think of leaving the country without it.
But that same concern has not extended to protection of the substantial investment Canadian travelers make in planning their annual vacations, which some surveys show cost more than $6000 per couple on average. Perhaps the current pre-occupation with global travel shut-downs may change some of that thinking.
As we have explained in previous articles, trip cancellation/interruption insurance is designed to protect money that has been prepaid and is non-refundable. If you haven’t paid for it, you’re not covered for it.
And because what you’re buying in trip cancellation insurance is protection of your investment over time—that means any reimbursement you are due from your insurer diminishes as you get closer to the date of your departure.
Understand too that the reason for which you can cancel matters. Unless you have a Cancel for Any Reason policy (which costs more) you can only cancel and expect recompense for specified reasons, such as a new illness, death in the family, call to jury duty, interruption of employment, house fire, etc. etc. But those qualifying conditions must be listed in your policy. Read and understand them.
And as we have explained before, when you buy your policy matters. For example, if you bought trip cancellation coverage before there was any warning issued about the coronavirus threat, you would have been eligible for benefits if your cruise ship or land tour to China had been cancelled, or your government had warned you not to travel to that location. But your policy also would have warned you to leave the restricted area if possible, and as soon as possible, in order to keep your benefits intact. That’s not a new wrinkle. It’s been part of travel policies for a long time.
Trip cancellation policies need to be read thoroughly and preferably discussed with the agents selling them. You need to understand your own responsibilities in adhering to the terms of coverage. And that may not be easy as travel insurers still have a way to go in writing policies that are user friendly and more easily comprehensible than they are right now.
But until then, it’s up to you to take all steps to protect your travel investment. Your broker, or the agent selling you your policy can help, but you can’t avoid your own responsibility in insisting on learning the details of your coverage and paying attention to them. It’s your money.
© Copyright 2020 Milan Korcok. All rights reserved.
Should we wear a face mask when out in public right now? It’s a question many people have since the Centers for Disease Control and Prevention (CDC) issued its new recommendation that people wear face masks when leaving their homes. Canada’s chief public health officer has echoed the recommendation.
There is confusion because the CDC and the Public Health Agency of Canada had initially suggested that face masks not be worn in public. The flip-flop in recommendations has triggered many questions.
It’s important to understand that, in a complex and evolving situation as this, it can be quite difficult to set a firm policy. As the situation changes, the risks and benefits of recommendations are constantly re-evaluated. In a way, it’s reassuring that agencies aren’t being rigid and are revising their guidelines based on the best available information, with the goal of keeping us all safe.
However, the reason behind much of the change in face mask recommendations is the increase in community spread of the virus. We now believe that there is indeed some community transmission from people with no symptoms (asymptomatic), or minimal symptoms (pre-symptomatic), before they realize that they are sick. This occurs when these individuals are breathing, sneezing or coughing in close proximity to others (within 6 feet). At first, transmission of the virus in these circumstances was thought to be unlikely but we’re now reconsidering that possibility. The CDC wants to err on the side of keeping people safe, particularly in areas of the world that have seen high levels of community transmission and where physical distancing measures can’t always be optimally practiced.
While wearing a face mask does have some risks – it must be worn properly or it can increase the risk of infection, for example – experts believe that the benefits likely outweigh the risks at the present time.
We should consider wearing a face mask when venturing out into the community where it may be difficult to maintain social distancing measures. In other words, if you’re likely to get within 6 feet of others despite your best efforts, wear one. This includes visits to a grocery store or pharmacy where groupings of people are common. However, individual interactions such as going for a jog or a walk don’t necessarily require one.
In addition, you don’t need a medical grade face mask (surgical or N95, for example). In fact, you can make your own cloth mask at home. The CDC provides useful information on how to do just that: https://www.cdc.gov/coronavirus/2019-ncov/prevent-getting-sick/diy-cloth-face-coverings.html
Wearing a face mask safely is of the utmost importance. The cardinal rule is to treat it as if it’s covered with the virus. Remember to wash your hands before putting the mask on, making sure it covers your mouth and nose. Never touch the mask itself while wearing it. Be very careful to not let the mask touch your face when removing it. Wash your hands immediately upon removing it. It should not be reworn until it has been fully cleaned in hot water in a washing machine.
Lastly and perhaps most importantly, don’t fall victim to the false sense of security that a mask can provide. No mask can provide 100% protection. Continue to practice physical distancing while wearing it.
With the increasing number of COVID patients presenting themselves to hospital emergency departments across Toronto, it’s a regular occurrence for me to come across several suspected cases while I’m working. Most are well enough to go home, but some are so sick that they need to be admitted. I find myself checking in on the test results of patients I have sent home, breathing a sigh of relief with each negative and feeling a knot in my stomach with each positive. The challenge with being an emergency doctor is that we see a lot of the bad outcomes. They are our reality. During a pandemic, it begins to feel to us like “everyone is dying” – but not everyone is. In fact, the majority of people recover from the virus. The increase in positive results will not only usher in a new reality but hopefully will reduce my own anxiety about a positive test result and its implications. A positive result is not a reason to panic and most of the patients I discharge won’t ever come back to the emergency department. I will likely stop checking their results after a while.
One of the things that is true about life is our ability to adapt. Once the new ‘normal’ takes hold, we adjust. Life just keeps moving. We’re living amid a pandemic and simply put, we can’t will it away. To accept this harsh reality, or modern-day Twilight Zone, is a process we’re all going through, in our own time and in our own way.
Some of us may need a bit more help and time to acclimate to this new ‘normal’. Getting help is not a sign of personal weakness but rather an expression of our own humanity. Reaching out shows self-awareness and strength of character. Sometimes we need help to talk through our concerns. Sharing our deepest fears with others is powerful, particularly with those trained to help navigate the complexities of human emotion. Using technology, it’s now easier than ever to
connect with a mental health provider, or family doctor, to discuss our emotions and secure advice to get the help we need.
This is a difficult time that poses a tremendous challenge for all of us. Let’s remember to do the little things to boost our mental health as much as possible. This means eating well, getting fresh air, exercising, connecting virtually with others and getting a good night’s sleep. Over time, we will adjust to our new circumstances. And if you need a little help along that journey, then please reach out for mental health support and at the same time, pat yourself on the back for having the strength to do so at such an arduous time.
Recently, I’ve been working quite a bit in the emergency room of the hospital where I’ve served as a staff physician for the past 20 years in downtown Toronto. There are many positive things happening at the hospital: Everyone is working together to prepare for all the challenges that lie ahead. We’re all connecting with co-workers in ways that are meaningful and inspirational. The strength of the human spirit is alive and well. And we know that we will get through this difficult time and be better for it.
We’re starting to see a number of cases of very sick patients with COVID-19 at the hospital. Yes, most of them are older folks over 70, often with chronic health problems. But I’m going to be real with you. We’re seeing some young and otherwise healthy people becoming very sick – sometimes, critically. It’s important to realize that these cases are rare when compared to all the people likely infected – much less than 1%, but we are still figuring that out. The overwhelming likelihood for those of us who get this virus, and are under 60 with no chronic health problems, is that we will be able to fight it off and recover. But one thing that we’ve always known about infectious disease is that a very small number of otherwise healthy people can become quite sick. While it’s true for the flu, this is much worse. We don’t fully understand why and we’re unable to predict to whom it could happen. A nerve-wracking tidbit of information, I know.
This won’t be easy. It’s okay to say it aloud because it’s good to be honest. Being honest can diffuse the tension we may feel inside by getting our feelings out into the open. The most important thing is to remember what we CAN do to help get us through this time. We have the power to lessen the impact of this virus and reduce the chances of becoming infected. We’re not powerless here.
For example, we’re all doing an EXCELLENT job with physical distancing. So, let’s keep that up. Remember to stay home as much as possible. Avoid any close contact with anyone other than immediate family. By all means, go out for walks, breathe some fresh air and get some exercise – but stay at least 6 feet away from others. That’s about the size of a pair of skis!
We must remember to wash our hands and not touch our faces. If we’re sick with any kind of cough, runny nose or sore throat, self-isolate at home and avoid close contact with anyone.
These are all simple things but sometimes the most powerful things are the simplest. We’ve got this. If we all do the right thing, we can greatly lessen the impact of this virus. The power is in our hands.
Dr. Michael Szabo
For the 642,000 international students currently in Canada, COVID-19 presents a challenging situation, leaving them isolated and financially vulnerable with few options available. Studies have shown that loneliness can damage mental and physical health, leading to depression. Some students may face problems processing information, and have difficulties with memory retention, recall and decision-making.
Our minds can serve as our best friend or worst enemy during such times. As guardians for and carers of international students, we want to share these 10 tips to help them survive the COVID-19 crisis:
Effective Date: March 26, 2020
Please 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 expenses related to COVID-19?
All policies with effective dates before the Government of Canada’s global travel advisory issued on March 13, 2020 will cover emergency COVID-19 treatment not covered by government insurance, provided the trip destination was not under a travel advisory at the time of departure. It must be noted, however, that governments normally cover pandemic-related treatment costs.
Will my policy provide repatriation coverage if I get COVID-19 and need to be returned to my home country?
Unfortunately, our Assistance service excludes coverage for repatriation that requires transportation in a biohazard isolation unit.
Am I covered by trip cancellation or trip interruption insurance?
Canadian travel insurers determine this on an individual policy basis. Policies purchased after the Government of Canada’s global advisory against non-essential travel issued on March 13, 2020 may not provide coverage for trip cancellations related to COVID-19.
What do I do if I get sick while I am travelling?
If you begin to feel symptoms related to COVID-19, contact Assistance at 1-866-883-9787, toll-free from Canada or the United States, or at 1-416-640-7865 from anywhere in the world.
Assistance will help to assess your symptoms and direct you, as needed, to a hospital or clinic for the appropriate care. Depending on your specific situation, Assistance is also available to:
When consulting with a doctor, be sure to disclose if you visited any high-risk areas or have been in contact with anyone who has shown COVID-19 symptoms.
Will I be covered for self-isolation or quarantine—for example, if I need a hotel room?
Precautionary quarantines imposed on travellers due to government restrictions, including upon arrival at a destination or upon return to their home country, are not covered under our Discover Canada policy. However, if your return to your home country is delayed due to a precautionary quarantine, your coverage can be extended provided you remain eligible. Coverage is automatically extended for up to five days under certain circumstances (ex: delayed return due to flight disruption or hospitalization).
Provided their policy took effect before March 13, 2020, insured individuals hospitalized due to COVID-19 infections will be covered the same as with any illness. However, this does not include self-isolation outside of a hospital, as our policies do not cover additional living expenses.
Will my policy limit or end coverage if an official advisory is issued by the Government of Canada?
Most policies exclude expenses incurred in locations for which an advisory was issued before departure. As the Government of Canada advisory against all non-essential travel was issued on March 13, 2020, policies for trips taken after this date would not cover COVID-19 related expenses.
Policies with an effective date up to March 13, 2020 will continue to provide coverage for unforeseen emergency expenses related to COVID-19, as per policy terms. New Canadian government advisories will not affect COVID-19
coverage in these policies. However, expenses related to COVID-19 will not be covered for any travel to, from, or through a country for which the Government of Canada had issued a travel advisory prior to the effective policy date.
Can I still mail information, such as original documents regarding claims, to MSH International?
While our offices are still open and mail continues to be delivered, we kindly ask that claims and supporting information be submitted online or via email.
What if I get sick returning to Canada from abroad?
If you have travelled, or have been in contact with someone who has travelled:
Closely monitor your health. If you develop fever, cough, or difficulty breathing over the 14 days after your return:
If you are sick and need medical attention in Canada:
– Notify the medical clinic or hospital in advance. Disclose your symptoms and/or your travel abroad. DO NOT take public transit, an Uber, or a taxi!
– Wear a mask while waiting for or receiving treatment to prevent spreading the illness
If you feel sick before your departure for Canada:
– Do not use any form of public transportation
– Seek medical attention immediately
If you feel sick during travel to or upon your arrival in Canada:
– Inform the flight attendant, cruise staff, or a border services agent. They will decide whether medical assessment by a quarantine officer is needed
My expatriate plan covers 100% of my medical costs. Does this include care related to COVID-19? Are there reimbursement limits?
All existing MSH International expatriate policies will cover COVID-19 the same as any other illness, based on each policy’s terms and conditions. Any specific exclusions would be listed in the policy exclusions.
My doctor postponed my medical appointment because of COVID-19 and my insurance has since expired. As the postponement wasn’t my fault, will this appointment still be covered?
Unfortunately, since the policy has expired, the appointment will not be covered.
Are there specific hospitals where I can be treated for COVID-19?
Most hospitals are equipped to handle patients with COVID-19 illness. The MSH Provider Tool can provide you with more details on nearby hospitals in our network. If you are seeking COVID-19 treatment, it’s crucial that you call ahead and notify the hospital of your symptoms before visiting.
Who do I contact if I am showing COVID-19 symptoms?
Contact your primary care physician or your province/state’s local public health department for medical guidance and protocols. It’s important to maintain a distance of 2 metres (6 feet) from others at all times.
I’ve called the health department in my area but can’t reach anyone. What do I do?
If your COVID-19 symptoms are minor to moderate, isolate yourself at home. If you live with others, stay in a separate room, or keep a 2 metre (6 foot) distance away. Continue trying to reach your local health department or primary care physician. If your symptoms worsen (for example, difficulty breathing), call 911, the emergency room of your local hospital, or your urgent care centre. It is crucial to notify them of your condition before you arrive so that the medical team can take the proper precautions.
Contact your account manager if you have any questions about your coverage.
Effective Date: March 26, 2020
Please 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 expenses related to COVID-19?
Visitors to Canada medical insurance policies can cover emergency COVID-19 treatment in Canada, but policy exclusions may apply, such as exclusions related to pre-existing medical conditions. Governments may also cover pandemic-related treatment costs. Expenses related to COVID-19 that occur on side trips outside of Canada would not be covered if the trip destination is under a Canadian travel advisory at the time of departure.
Will my policy provide repatriation coverage if I get COVID-19 and need to be returned to my home country?
Unfortunately, our Assistance service excludes coverage for repatriation that requires transportation in a biohazard isolation unit.
Am I covered by trip cancellation or trip interruption insurance?
Canadian travel insurers determine this on an individual policy basis. Policies purchased after the Government of Canada’s global advisory against non-essential travel issued on March 13, 2020 may not provide coverage for trip cancellations related to COVID-19.
What do I do if I get sick while I am travelling?
If you begin to feel symptoms related to COVID-19, contact Assistance at 1-866-883-9787, toll-free from Canada or the United States, or at 1-416-640-7865 from anywhere in the world.
Assistance will help to assess your symptoms and direct you, as needed, to a hospital or clinic for the appropriate care. Depending on your specific situation, Assistance is also available to:
When consulting with a doctor, be sure to disclose if you visited any high-risk areas or have been in contact with anyone who has shown COVID-19 symptoms.
Will I be covered for self-isolation or quarantine—for example, if I need a hotel room?
Precautionary quarantines imposed on travellers due to government restrictions, including upon arrival at a destination or upon return to their home country, are not covered under our Discover Canada policy. However, if your return to your home country is delayed due to a precautionary quarantine, your coverage can be extended provided you remain eligible. Coverage is automatically extended for up to five days under certain circumstances (ex: delayed return due to flight disruption or hospitalization).
Provided their policy took effect before March 13, 2020, insured individuals hospitalized due to COVID-19 infections will be covered the same as with any illness. However, this does not include self-isolation outside of a hospital, as our policies do not cover additional living expenses.
Can I still mail information, such as original documents regarding claims, to MSH International?
While our offices are still open and mail continues to be delivered, we kindly ask that claims and supporting information be submitted online or via email.
What if I get sick returning to Canada from abroad?
If you have travelled, or have been in contact with someone who has travelled:
Closely monitor your health. If you develop fever, cough, or difficulty breathing over the 14 days after your return:
If you are sick and need medical attention in Canada:
– Notify the medical clinic or hospital in advance. Disclose your symptoms and/or your travel abroad. DO NOT take public transit, an Uber, or a taxi!
– Wear a mask while waiting for or receiving treatment to prevent spreading the illness
If you feel sick before your departure for Canada:
– Do not use any form of public transportation
– Seek medical attention immediately
If you feel sick during travel to or upon your arrival in Canada:
– Inform the flight attendant, cruise staff, or a border services agent. They will decide whether medical assessment by a quarantine officer is needed
Am I covered for emergency medical treatment in Canada for COVID-19?
Policies for travel purchased will continue to cover new and unforeseen medical expenses related to COVID-19 infection; however, it’s best to consult your policy wording for specific details. Alternatively, you may contact us for help in determining the impact of COVID-19 on your coverage.
Am I covered if I am from a country with a known outbreak of COVID-19?
Coverage for COVID-19 treatment in this instance will be determined on an individual case basis, taking into account traveller health for the stability period before the policy start date.
Will I be covered if I contract COVID-19 during travel outside of Canada, or on a visit to my home country?
The Discover Canada policy allows for side trips outside of Canada, provided that certain criteria are met (see your policy wording for details). Side trips outside of Canada that took place before the Government of Canada’s global travel advisory issued on March 13, 2020 are covered for emergency COVID-19 related expenses, provided the trip was not made to a country for which an advisory was issued at the time of departure. Side trips after March 13, 2020 are not covered for COVID-19 related expenses.
The Discover Canada policy does not cover expenses incurred during trips to your home country.
You can also call us at 416-730-8488 (or toll-free at 1-800-360-3234) to speak with a customer service representative or email us at helpline@americas.msh-intl.com
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 the others we impact when we do travel: like when we recline our aircraft seat into somebody else’s knees, or carelessly sneeze into the space of five or six of our travelling neighbours.
New warnings, old advice
We have seen and heard in recent days that some travel insurers have warned that newly purchased trip cancellation plans can no longer cover you for coronavirus-related illness if you have travelled where your government has warned you not to travel. And if you have done so, our government has warned you to move out and try to get home. There’s nothing new about this. Trip cancellation policies have had such exclusions in place for a long time.
As we have explained in earlier blogs, once your government has raised its warning level to “Avoid non essential travel” or “Avoid All Travel”, the restrictions are in and your benefits are seriously limited.
There are also many questions being asked by travellers who had to cancel trips or interrupt them to get home. If you bought your policy before the warnings went up you are covered, but only until you can get out of harm’s way, and your insurer is available to help you. Don’t expect to stay on indefinitely.
And even if you bought trip insurance prior to such warnings, don’t expect limitless coverage. All policies have limits on what they will pay if you are stranded and delayed getting home. So don’t try to take advantage. And understand that trip cancelation insurance covers only non-reimbursable money you have already paid. It does not pay for the emotional loss of your trip of a lifetime dream.
We’ll continue to update and advise you about what types of insurance you should consider when planning trips into the future. This is important, because recent survey has shown us that though about 70 percent of Canadians (of age groups) buy medical emergency coverage for out of country travel, only one third think about covering trip cancellations and interruptions. Perhaps COVID-19 will change that equation.
But for now, we can only urge you to stay close to home. Follow the advice provided by your federal and local governments and health authorities, and be patient.
© Copyright 2020 Milan Korcok. All rights reserved.
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 has gone one step further than the CDC in advising against all travel on cruise vessels.
Certainly that is the safest route, but shutting down an industry as massive as this one is bound to have enormous economic effect as well as an effect on million of jobs globally, and that too has to be a consideration for any government to make.
However the final decision to cruise or not is yours. Whatever your choice, if you do choose to book a cruise for future travel and you want to buy travel insurance from a Canadian vendor, talk to your travel advisor to make sure your policy will cover you. It may be the PHAC advisory may invalidate your coverage just as it would if you chose to travel to a country for which it has raised an “Avoid all travel” warning.
And it you’re young and in good health and can’t resist the temptation to cruise at bargain prices, here’s what you need to know.
Cash is not an option
In addition to rock bottom fares, cruise lines are offering waivers of cancellation penalties (those are the charges they levy if you cancel a cruise) or if you change your itinerary or the date of your trip. Sounds good, but understand that they’re not going to give you your money back. The most you get will be a cruise credit for a future trip.
All cruise lines offer their own in-house trip insurance–some covering only trip cancellation/interruption benefits, others a combination of TC/P and medical coverage—though the medical benefits they offer are very skimpy compared to the private travel insurance Canadians can buy from their own brokers, banks or TI insurers. But even those in-house polices will only cover up to 75 percent of any prepaid, non recoverable costs. So read that policy—every word. And understand that no standard travel insurance policy will cover virus outbreaks or trips you decide to cancel because you fear what might happen while travelling.
Fear Isn’t covered
Fear is not a coverable benefit under most policies except “Cancel For any Reason” policies or upgrades to existing policies. They’re also known as “Change of mind” policies or upgrades.
Even cruise companies now offer Cancel for Any Reason benefits, but you’ll pay 40 percent more for them, and they will usually allow you a reimbursement of up to 75 percent of the costs any prepaid non-
refundable costs you have already committed. And, you guessed it, they’ll pay only in future cruise credits, not cash.
Private third party insurers in the US also provide CFAR policies or enhancements and they are increasingly popular (at about 40 percent more than regular fees). But the advantage they have over cruise policies is that they will pay out in cash. Some Canadian insurers also provide CFAR upgrades, but their payout levels are usually lower than 75 percent.
The bottom line
If you have any serious underlying health conditions—no matter what your age, or especially if you’re over 60 and have serious underlying conditions—check with your doctor about the advisability of cruising. Only your doctor can be trusted to judge if the condition you have is of the type that should preclude you from cruising.
Read your policy—every bit of it. And if you’re thinking of taking advantage of those cruise bargains—caveat emptor.
© Copyright 2020 Milan Korcok. All rights reserved
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 any of the free live concerts and blocos de rue (neighborhood block parties). These are all-day (and all-night) events so be sure to bring your phone charger but leave your valuables at home.
Colombia
Colombia may be synonymous with coffee, but it’s an ideal destination for nature lovers. Horseback riding tours are popular and available for every riding level. With trails winding through lush forests and pristine beaches, these tours offer a memorable way to experience the diverse scenery. From accommodation to local attractions, Colombia is an inexpensive destination. You’d be hard pressed to find tastier street food—think arepas, tamales, empanadas. For a truly authentic Colombian experience, visit the farmers’ markets for unique arts, crafts, fresh produce, and the best food trucks available.
Peru
Peru offers so much more than Machu Picchu. Its capital, Lima, known as the city of kings, boasts an exciting nightlife, colonial-style architecture, world-class food, and adrenaline-inducing activities such as surfing, paragliding, sandboarding, and ziplining. Numerous museums in the city, and throughout Peru, offer free admission on the first Sunday of every month. Popular attractions such as Plaza Mayor, Casa De La Literatura and Parque del Amor are also free. The Free Walking Tour Peru group, operated by licensed Indigenous guides, run highly-recommended tours in Lima, Cusco, Arequipa, Barranco and Miraflores—and yes, the tours really are free.
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:
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 then touching your mouth, nose, or eyes can also spread the virus.
The time between exposure to the virus and the onset of symptoms is between 5 and 14 days, so the appropriate quarantine period for an individual exposed to COVID-19 is 14 days.
HOW IS IT TREATED?
There is currently no vaccine for COVID-19. Medical care is focused on managing symptoms, by getting lots of rest, drinking plenty of fluids, and treating the fever.
PREVENTION IS KEY
If you are travelling to an area known to have cases of COVID-19, avoid:
If you have or may have COVID-19, please refer to this link for more guidelines on preventing the spread of infection.
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 Beach, but steer clear of hotel restaurants along Ocean Drive and their 2-for-1 drink offers—they typically include conditions, hidden gratuities, and extra charges, with an astronomically expensive bill as a result.
ORLANDO, FLORIDA
For many families, going to Disney World is a rite of passage but a costly one. Buying bottled water on Disney grounds will seriously hurt your wallet (not to mention the planet!) so do as the locals do and tout your own reusable (non-glass) water bottles. You’ll be able to refill them at water fountains and quick service restaurants around the park. Consider insulated, stainless steel bottles to ensure water stays cold for as long as possible. Bringing snacks for the kids can also be a big money saver, unless you don’t mind paying $7 (US) for a Mickey Mouse pretzel. Be sure to pack the daily essentials—sunscreen, sunglasses, hats, umbrella—as these items are outrageously overpriced. Ditto for the Mickey Mouse ears and other Disney souvenirs—they’re considerably cheaper at stores outside the park. The My Disney Experience app can help maximize family fun by bundling every aspect of your trip, from booking your hotel to researching wait times at attractions to looking for the nearest bathroom and other amenities.
LAS VEGAS, NEVADA
Check out the spectacular Fountains of Bellagio for a beautifully choreographed performance of music, water, and light. The free 15-minute show runs daily and draws huge crowds, so consider getting there early. Tour the hotels along the strip—with their various themes, they’re attractions in their own right, even if you’re not an actual guest. But there’s more to Vegas than just the strip. Sample some tasty brews (try the coffee beer!) at Banger Brewing, learn about some less-than-upstanding historical figures at the Mob Museum, marvel at the views and engineering of the Hoover Dam, or take a short day trip to one of the many nearby natural attractions like the Valley of Fire State Park, the Grand Canyon, or Red Rock Canyon.
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 travel to any nation for which the government of Canada has issued “avoid non-essential travel” or “avoid all travel” warnings, certain benefits normally provided may be limited or excluded.
In the case of China, where there is a Canadian government warning extant against non-essential travel to the country as a whole, and all travel to the specific province of Hubei (the immediate site of the coronavirus outbreak), any medical expenses you incur related to that disease would not be coverable if you bought your insurance after those warnings were raised. Once the warnings are lifted, coverage returns to normal.
But if you purchased travel insurance for a trip to China before the government issued its warnings, and you either cancelled your trip or decided to return home early due to concerns about the coronavirus, your trip cancellation and interruption benefits would remain intact.
What would those benefits be?
Again: for trip cancellation and interruption benefits to be applicable, you must have purchased your insurance before the government raised its travel warnings.
Any money you prepaid for your trip that is not recoverable from airlines or hotels or other tour services
may be covered by your travel insurance. But if your airline or tour operator offers refunds or vouchers for future travel, that will reduce your insurer’s obligations. No double-dipping. And though we say your costs would be covered, we must add that all such costs are subject to certain daily specified in your policy. Know those when you sign your contract.
If you choose to interrupt your trip due to the travel warning raised by your government, your trip interruption benefit will pay the cost of your economy airfare home if your return ticket is not changeable or refundable by your airline. And if you’re returned home by a government-arranged charter (as some have been during this recent coronavirus crisis) and the government charges you a fee, your travel insurance may reimburse you up to the cost of an economy airfare.
Your trip interruption benefits may also cover any out- of- pocket costs of unexpected layovers that are beyond your control, such as for meals, hotels, taxis, telephone charges. But these expenses will be subject to daily limits and you need to check them out in your policy. Don’t expect free nights at the Ritz Carlton if your original tour had you booked in a Holiday Inn.
Remember that covered benefits for trip interruption are designed to keep you safe and comfortable and get you home as conveniently as possible. And again, that only works if your insurance was purchased before your government raised its warning to “avoid non-essential travel” or “avoid all travel.”
So know your policy. Know the reimbursement limits. And always stay tuned in to the government travel advisories that often change from day to day–https://travel.gc.ca/destinations/china
© Copyright 2020 Milan Korcok. All rights reserved.
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.
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:
Human Trafficking disproportionately affects females who make up 99% of commercial sexual exploitation cases and 58% in other sectors.
3. You don’t have to be physically moved to be ‘trafficked’.
A common misconception when it comes to Human Trafficking is the idea that a person is ‘trafficked’ from one country to another. In reality, a person need not be physically transported from one location to another in order to be considered a victim of Human Trafficking. In fact, UNODC estimates that the number of people being trafficked within their own country has doubled in recent years to 58% of all detected victims. Human Trafficking is therefore about coercion; forcing someone to do something against their will, and exploiting them.
4. Travel & Tourism is often an unwitting facilitator of Human Trafficking.
Travel & Tourism is responsible for the movement, accommodation and employment of millions of people around the world. These systems and platforms are often used by traffickers to exploit vulnerable people and children.
5. Trying to understand where Human Trafficking is taking place is really complicated.
Human Trafficking is a criminal activity that is hidden in plain sight. The biggest global Travel & Tourism brands have multifaceted organisational structures and operate in numerous and diverse destinations around the world where laws, customs and practices may vary. Value chains can be complex, including contractors, suppliers and other business partners – which could potentially heighten the risk of trafficked persons being hidden within their operations.
6. Travel & Tourism has a big role to play in the fight against Human Trafficking.
With 1.4 billion international tourist arrivals and 4 billion air passengers in 2018 alone, the Travel & Tourism sector interacts with billions of customers at all stages of the travel process. This provides an enormous opportunity for companies to raise awareness of the severity and prevalence of Human Trafficking, to encourage responsible tourist behaviour, and to inform travellers how to spot and report suspected cases.
7. Travel & Tourism employees are the eyes and ears on the ground (and in the air).
Travel & Tourism supports 1 in 10 jobs around the world – a total of 313 million people. Aware that their employees interact with millions of different people daily, many Travel & Tourism companies provide training to customer facing employees so that they know how to spot signs of Human Trafficking, how to report suspected cases, and have policies in place to protect whistle-blowers.
8. There is a role to play in supporting survivors, too.
As one of the largest employers in the world, and in addition to providing advocacy and awareness raising and employee training programmes, some Travel & Tourism companies, namely within the hotel industry are providing much-needed support to survivors including training and employment opportunities.
9. Global Action is required to tackle a problem of this magnitude.
WTTC launched its Human Trafficking Task Force at the 2019 Global Summit in Seville. Bringing together nearly 20 of the largest global Travel & Tourism brands, the Task Force facilitates information exchange and coordinates efforts across the private sector, while strengthening cooperation with the public sector and civil society.
10. Governments need to wake up and step up – it’s time for action!
While prevention and protection are crucial pillars in the fight against Human Trafficking, we need government support and leadership to take us beyond awareness-raising. Specifically, governments should strengthen the integration with local authorities to ensure perpetrators are duly processed and punished. The weakness in this ‘system’ is the lack of coordination for how to ensure reduction of the crime through the justice system.
Is your Government doing enough to fight Human Trafficking in your country?