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Question of The Week
Question:
Am I covered for anything if countries reopen their borders but Canada maintains the high level advisories?
Answer:
The short answer is it depends on which insurer you select but COVID would definitely be excluded. To answer your question, some insurers' general exclusions regarding advisories in effect void the policy until the advisory is lifted whereas other insurers will cover any emergency not related to COVID. Therefore, I recommend you refer to each policy's "Exclusions".
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What your fellow travellers say about us
John and Sally W
May 30th, 2020 | Guelph
My wife and I recently submitted a claim for trip interruption as a result of an accidental injury that my wife suffered during a trip to Mallorca, Spain, in February...
Lillian Hall
July 23rd, 2019 | Ontario
“March 2019 I was on a winter hiking trip with friends near Jasper, Alberta and broke my leg. Due to attending a recent talk at the Toronto Outdoor Show about...
Samy Marzouk
June 1st, 2019 | Mississauga, ON
“Dear Mrs. Beaudoin, it was nice talking to you today and thank you very much for your prompt response, your professionalism and clear explanation as well as your honest advice....
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What sets us apart
At First Insurance, we not only offer personalized advice but we’re also A powerful advocate on behalf of the consumer for the Urgent Need of Improved Regulation. Please refer to our “Advocacy” section below. Our assessment is based on the safety and quality of an insurance contract and whether it offers innovative features and options to the consumer not readily available in the marketplace. Another key factor of our evaluation is the level of service provided by the insurance company
Advocacy
CCIR SUBMISSION: “The Urgent Need For Improved Regulations”
Bruce Cappon
March 17th, 2014
As presently constituted, practices in segments of medical travel insurance are systematically unfair to clients, and lead to financial hardship – in some cases catastrophe – for thousands of Canadians annually.
CCIR SUBMISSION: “Contract Voidability, The Urgent Need For Improved Regulations”
Bruce Cappon
May 7th, 2015
Informed by the experience of travelling Canadians, and by recent advice proffered by travel insurance specialists such as the author of the present memorandum.
CCIR Final THI Position Paper May 2017
CCIR
May 31st, 2017
In response to the growing concerns over public confidence in the market and the manner in which travel health insurance (THI) is manufactured and distributed, the CCIR formed a working group on THI…with a mandate to…promote harmonization in regulatory approaches…identify practices that are causing harm…”
Recent Articles
Attending Physicians' Reports
September 11th, 2007
Bruce Cappon
September 11, 2007
Medical Post
Cuba to force tourists to buy medical insurance
April 12th, 2010
James Daw
April 12, 2010
The Star
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