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Question of The Week
Question:
What happens if I forget to call to report a change of health before departure?
Answer:
Typically, the majority of travel insurance plans may void your whole contract and decline all claims even if unrelated to the unreported health change. We make a point avoiding plans with the "Change of Health" clause. With our recommended plans, if you forget to report a change of health, the specific condition is excluded but your plan remains in force to cover all other claims.
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What your fellow travellers say about us
Ken
March 7th, 2018 | Alliston, ON
“Hi Isabelle, Just a note to say thank for arranging the refund of the premium on the insurance policy which turned out not to be needed. The entire matter was...
Garry
December 8th, 2017 | London, ON
“I can attest on 2 different occasions the positive results I have experienced. Firstly, upon returning from Florida last March 2017, I ended up in the Hospital in Powell, Tenn....
Ken and Victoria N
May 27th, 2016 |
“Hello Bruce C and Tugo Claims Department. I received reimbursement for the additional costs we paid to Spring Valley Hospital when Ken was admitted in March 2016. THANK YOU FROM...
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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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