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Question of The Week


Do I have to complete a questionnaire for Trip Cancellation/Interruption

Answer: Some insurers do require a medical questionnaire but we prefer the policies without it.  In addition a stability period prior to purchase applies to you and people around you who may cause you to cancel.  So be sure to ask how many days you all have to be stable prior to buying your coverage.  Unstable conditions will not be covered.
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What your fellow travellers say about us

Lynn and Glenn Philipp
December 26th, 2015 | Kenora, ON

“Since purchasing our travel insurance with Bruce Cappon at First Rate Insurance my wife and I feel very comfortable that we are fully covered during our winter stays in the...

Mrs. Mark
May 15th, 2015 | Thornhill

“Re: Cancellation of Insurance: I was booked to go overseas from Canada fully covered by  First Rate Insurance. Unfortunately due to infection had to cancel ticket as well as insurance....

March 2nd, 2014 | Niagara-on-the-lake

“Hi Bruce, just wanted to let you know that we received the full amount claimed re our trip interruption due to bad weather. Our friends who had a similar delay...


CANADIAN MONEYSAVER is an acclaimed investment advisory with a recognized reputation for providing a trustworthy and down-to-earth service since 1981. Available nationally in print and online versions.

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


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
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

But will you live to collect it?
July 22nd, 2005

James Daw

July 22, 2005


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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