How Long Can Canadians Stay Out of the Country?

One of the questions most frequently asked by Canadian travellers is, “How long can we stay out of the province or country?” There are a few things to consider on this one. For starters, it depends on your destination.

Here are the entry requirements and stay limits for the countries most visited by Canadians:

United States: Six months (about 182 days), whether all at once or over several cumulative trips, during a 12-month period.

Europe: 90 days, with no visa requirement however there are changes slated to take effect in May 2023.

The United Kingdom: Six months, or 180 days, with no visa requirement.

Cuba: Six months, however you must obtain an extension from immigration authorities for a stay beyond 90 days.

Mexico: Six months, or 180 days, however you must complete a Mexican tourist card, known as FMM (Forma Migratoria Múltiple).

Dominican Republic: 30 days, however you must obtain a tourist card for entry.

China: 30 days on a single-entry visa.

Australia: Three months on a mandatory Australian Electronic Travel Authority.

Now here comes the curveball: be sure to check the residency requirement in your home province. This is a set of rules that specifies the number of days that you must be physically present to qualify for provincial health benefits. While most provinces require that residents be present for six months to maintain their health coverage, it’s worth checking before planning a long-term vacation. Your residency requirement doesn’t affect your ability to leave Canada for vacation but it does impact your eligibility for provincial health benefits when you return.

No matter your destination country, it’s recommended that you always maintain at least six months of validity on your passport. Some countries may also require that your passport have a certain number of blank pages so be sure to do your research on entry requirements.

For peace of mind during your travels, take MSH coverage with you. Get a quote today!

Now, get packing!

 


Do you not see the answer to your question in the comments below? Feel free to get in touch with our experts for more assistance.

Getting Worse Before It Gets Better: Why This May Be the Toughest Time of the Pandemic

Here we are at the end of January 2021, and it will soon be a year that we have been living through the pandemic. It’s been a difficult year with ups and downs, but I would consider right now to be the toughest time in the pandemic.

When it all started in March 2020, we were in a state of shock. Suddenly, it became apparent how widespread the infection had penetrated in North America and around the world. We saw a serious situation unfold in Italy and New York City. We quickly shut everything down, hoping to gain some understanding of what exactly was going on and what we needed to do to contain the outbreaks. Then we slowly relaxed the stay-at-home measures and instituted newer ones, like wearing masks and physically distancing. In short, we learned how to be able to move around the world more safely: what to do and what not to do.

Our new “freedom” helped our collective moods. In the summer, camps for children were cancelled and indoor dining in restaurants remained a risk, but at least we could be outside and gather socially with friends in small, physically distanced groups. We could visit an outdoor patio at a restaurant, or swim at a pool or beach. We could play sports like tennis, golf, or baseball. It wasn’t in any way completely normal but at least it was something.

With the arrival of fall, we have seen a gradual restriction of our activities. The virus has surged again. This is understandable given the change in climate which restricts outdoor activities. People are congregating more inside, and viruses really like that, because that makes it easier to spread. Viruses also tend to spread more easily in colder climates as warmer weather makes it harder for them to survive. We knew it was likely for things to unravel again in the fall and winter, and we were right. We have lived through and are now in the midst of the second wave and it isn’t proving to be easy.

But we have a big reason to have hope now. The COVID-19 vaccine is here. It’s the durable solution that we had all hoped for and it came much more quickly than we expected, thanks to the wealth of resources devoted to its development. It has a strong safety profile and most importantly has been shown to be very effective. As a front-line emergency physician, I have had both of my doses. Being vaccinated has allowed me to go to work with some peace of mind, with the ability to better focus on helping the many people in need of assistance at this most difficult time.

Unfortunately, this good news is tempered by the reality of some recent developments. There are new variants of the virus circulating. These new variants are more infectious, meaning that the virus is passed more easily from person to person. It remains unclear, but there are also some concerns that these variants can make you more sick and more likely to have complications.

This development is a bit of a setback. It means that we need to be even more careful now. The public health restrictions need to be intensified. The fact that we are in the thick of winter when this situation has changed doesn’t make it very easy. Most of us are stuck inside our homes all day, working from home, some of us with children doing virtual school, with all the inevitable technological glitches and challenges that complicate our days. Many people are even more isolated than before, as even sitting outside or going for small walks can be hampered by the weather. The impromptu small social interactions are fewer and fewer. At least in the summer we could go and sit on a park bench or on a beach and feel somewhat normal. Most of us are feeling far from normal right now, and that is hard.

But then there is the reality of the vaccine which is the light in the distance. It will be there eventually for all of us, just like the spring and warmer weather… if we can just get there. The vaccine is still effective against the new variants, thankfully. The next few months will be tough, but we must hunker down and get through them and do our part to keep the virus at bay. Especially now with the variants in our midst, we must double down on our efforts to avoid close contact with others outside of our household. No social gatherings. No travel. Keep shopping trips to a minimum, as we know indoor spaces are the riskiest places. We should wear good quality, 3-ply masks whenever we are in those locations and limit our time there.

Most importantly, we all need a specific strategy to address our mental health. If we are able, trying to get outside daily and go for a walk for at least half an hour is a great simple rule to institute for ourselves. Even seeing other neighbours at a distance and saying “hi” can do wonders. Other safe activities include hiking, skating, or tobogganing. We must be mindful, however, that getting too close to others, even while outside, can be a risk. With the new variants, transmission occurs more easily. We must distance ourselves when outside and even wear masks when needed. This is not the time to take chances. We are so close to the end of this pandemic and I can just feel it. Better days are within our grasp.

MSH Americas and StudyInsured™ are proud to announce the launch of the International Student Wellness Hub

Our mission at MSH Americas will always be the same: to respond to the needs of today’s globally-mobile individuals and organizations with innovated products and industry leading duty of care solutions.

We have been protecting international students and supporting schools to improve the study aboard experience in Canada and around the world. Being able to anticipate the changing landscape of the international education industry and responding to the needs of students and schools is what sets StudyInsured™ apart from the competition.

To continue this legacy, we are proud to bring the International Student Wellness Hub to our students, schools, and partners here at home and around the world.

The Hub is the ultimate resources for international students and schools, to find useful and practical information during this uncertain time due to COVID-19. The Hub includes information on:

1. Mental Health Tip Sheets for students: Information and tips for your mental health, and learning From the Front Lines with our Medical Director, Dr. Michael Szabo

2. COVID-19 Useful Links for students: To guide our students regarding Government updates

3. Provincial Resources for students: International Student programs and COVID-19 information by province

4. Finance & Job Opportunities for students: How students can manage their finances, plus job searching tips

5. Information & Resources for Schools: Tips for educators and administrators to assist students with well-being

We hope the Hub helps international students, schools and administrators through this difficult time! We would love to hear from you, feel free to share your feedback and suggestions to marketing@americas.msh-intl.com

Battling COVID-19 Episode 7: Being Patient in a Challenging Time by Dr. Michael Szabo

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.

Are Snowbirds Ready to Plan for Life After Covid?

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.

Time to Think About Travel Strategies—After Covid-19

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.

Battling COVID-19 Episode 6: Wearing masks properly by Dr. Michael Szabo

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:

  1.  Pulling the face mask down over your chin.  This is probably the number one mistake.  After wearing a mask while outside for a walk or going to the grocery store, you may need to talk to someone more clearly, eat or just “want a break” from it – so you pull it down over your chin. By doing this, you effectively contaminate yourself with any virus particles that were on your mask prior to that. The rule is once you put your mask on, don’t pull it down.  It’s either on or it’s off and there is no in between.  Minor adjustments to its position can be made but only if done safely (see below).
  2. Not covering your nose.  We breathe through our mouths and our noses.  Many people cover only their mouth with their face mask, which means they can easily breathe in the virus through their nose. They can also transmit the virus to others through their nose.  Always cover both your nose and your mouth.
  3. Touching the mask.  Never touch the mask once it’s on your face. You can transmit the virus that was on your hands onto your mask that way. Before putting on your mask, wash or sanitize your hands.  After putting the mask on, you will need to wash or sanitize your hands again.  Do not touch the mask again, unless you just need to make a minor adjustment to its position.  If an adjustment is needed, wash or sanitize your hands, adjust your mask slightly, and then wash or sanitize your hands once more. 
  4. Wearing the mask upside down.  If you are wearing a medical grade mask, the metal piece on the mask is to be worn around the bridge of your nose and adjusted to fit. The folded edge of the pleats on the mask itself should be on the bottom. 
  5. Wearing a moist mask. Once a mask is worn for a period of time, it can become moist.  A moist mask no longer acts as a protective barrier and is dangerous to wear. While running the other day, I observed a lady doing heavy gardening and lawn work with a face mask on, which had obviously become sweaty and moist. For the same reason, jogging with a mask can be problematic. It would be best to practice physical distancing measures when participating in such activities rather than wear an essentially ineffective mask. 

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!

[Battling COVID-19 Episode 5] A Vaccine for Coronavirus: Are We There Yet? By Dr. Michael Szabo

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.

Five Self-Isolating Tips From A Nuclear Submarine Captain

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.

Cruise Bargains Sound Tempting. Can You Afford to Bite?

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.

Battling COVID-19 Episode 4: Why we need to keep physical distancing By Dr Michael Szabo

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!

Battling COVID-19 Episode 1: From the Front Lines with Dr. Michael Szabo

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

Coronavirus Impacts Travel Insurance Coverage: Stay Protected

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

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