Monthly Archives: December 2019

Are you covered? OHIP rules changing Jan. 1st, 2020

For those planning a sunny getaway, it may be more important than ever this winter to pack the right travel insurance before departure. Ontario’s provincial health coverage for most types of out-of-country medical expenses will end as of Jan. 1.
That may not be top-of-mind for most people but it’s a reason for them to take a fresh look at their insurance needs, regardless of what part of Canada is their home.
If you’re planning travel over the winter break, or planning things into March Break potentially, start factoring in travel medical insurance – not as a last-minute add-on,” says Elliott Silverstein, speaking for CAA Insurance.
“You may think you’re covered, but are you fully covered or just have partial coverage?”

Even before OHIP’s Out-of-Country Travellers Program ends on Dec. 31, it paid a maximum of only $400 per day. While it’s difficult to predict actual costs, various sources say US hospitals routinely charge thousands of dollars for a visit to the emergency room or thousands of dollars per day for a longer stay.
“So the amounts (from OHIP) were so small . . . that some people were mistaken in thinking they didn’t need travel medical insurance,” says Will McAleer for the Travel Health Insurance Association of Canada.
McAleer says that while other provinces haven’t announced plans to follow Ontario’s lead, no Canadian public health insurance provides “near the type of coverage required for a trip outside of the country.”
For example, British Columbia’s Medical Service Plan caps its payments for emergency hospital care outside the province at $75 per day, in Canadian funds.
The Alberta Health Care Insurance Plan, as another example, says it will only pay for services provided by a general or auxiliary hospital.

The federal government warns on its website that hospitals and clinics in some countries will not provide treatment without proof of sufficient insurance or money to pay. also warns clearly “the Government of Canada will not pay your medical bills” but it does provide extensive guidelines for what minimum coverage should include.

An internet search for travel insurance products will provide an overwhelming number of possibilities – each with its own particular conditions, prices and requirements.
But the price of insurance premiums are affected by many factors, so each person’s quote may be different, even from the same provider.
As an example, Manulife’s Cover Me insurance provided quotes for two travelling couples:
The younger couple, both aged 34, travelling for eight days, might pay $45.30 for an emergency medical plan for both.
The older couple, both aged 64 and in the healthiest condition, might pay $65.20 for eight days of emergency medical coverage.

The travel insurance industry has come up with four tips to guide consumers as they shop for their own needs or for their family:

• know your health and have information ready when it’s time to make an application

• know the policy’s terms and conditions

• know details about the trip

• know the rights to appeal a decision that denies the claim

In some cases, a recent change in medication before the trip may affect coverage for one type of pre-existing condition but not necessarily a different pre-existing condition that has been stable.
Similarly, look for clauses about risky activities like bungee jumping or scuba diving.
“Some policies will cover them and others will have restrictions.”

The good news is that the changes with the Ontario Health Insurance Program will have little to no impact on prices for private travel insurance this winter, according to McAleer and other industry sources.

If you plan on travelling and require a quote on travel insurance contact your travel professional or get a quote online  at Manulife Cover Me.

Peru, top 10 reasons to visit.

by Debbie Ross, founder of the Womens Travel Network

Peru, top 10 reasons to visit.
Every place on Earth is fascinating and unique, but Peru is one of those countries that manage to stand above the crowd. This place has so many natural and cultural treasures that have fascinated people for hundreds of years. Lose yourself in legendary lost cities and cultures that can be traced back to the glittering Inca civilization. Peru is unrivaled in South America for its archaeological wealth, endlessly fascinating ancient sites and cultures and world-class museums that display prehistoric treasures.

There are thousands of reasons to go to this great destination, but here are 10 top reasons why you should visit Peru.

  1. Experience its ancient ruins and culture.
    There is an incredible amount of interesting history easily accessible to any traveler. Whether it is through visiting a museum, wandering around a town or village, or hiking to one of the hidden Inca ruins, you will always be surrounded by the strong presence of history and of their cultural influences.
    The ancient Inca ruins are considered to be some of the most beautiful and mysterious sites in the world. You’ll find some of their most impressive ruins in the Sacred Valley and Machu Picchu. Inca ruins are not the only remains of ancient civilizations. On the north, you can find ancient civilizations in the city of Chan Chan, while at the south you can find interesting evidence of ancient cultures at the Lake Titicaca, the city of Puno and at the Nazca Lines.
  2. Meet the people
    Peruvians are world renowned for being friendly and welcoming people – generosity and hospitality are second nature to them. With exceptional local guides and the country’s friendly, open people on hand to help you have an incredible travel experience. Many Peruvians still have a direct link with their Inca ancestors, proudly conserving the Quechua culture that is so important to Peru’s past. They are hard workers, extremely polite, peaceful, helpful, and curious about the interest of their visitors. Many of them have never traveled out of the country or even out of their cities or villages. Sharing stories with them makes for an interesting learning experience about the country and about their tales.
  3. Handicrafts and local markets.
    Textiles are some of the most famous handicrafts you’ll find in any part of Peru. You can see the women weaving those exquisite patterns that make up a decorative wall carpet, scarf, jumper, or anything in between. Other great artisanal crafts are found in the form of instruments, wood carvings, canvas paintings, jewelry, and more. Not only do these make great souvenirs and travel mementos, but by buying them you are helping to support their traditions and are giving the opportunity of decent living to a family. Chincero is famed for its extraordinary textile art developed by its inhabitants. You can learn about traditional weaving techniques and even purchase fair-trade handmade alpaca apparel and decoratives.
    A visit to the Pisac Market is a must. It’s one of the most famous markets in the Cusco region, drawing many visitors to its famous market when indigenous Quechua communities from the surrounding highlands come to Pisac to sell their produce and stock up on supplies.
  4. Indulge in their cuisine
    It’s said that Peru has one of the best cuisines in the Americas. Peru not only holds a variety of ethnic mixes, but also a climatic variety of 28 individual climates. This mixing of cultures and variety of climates differ from city to city, thus creating a varied cuisine across the country. Dishes like Lomo Saltado, Ceviche Mixto, Empanadas, Tiradito, Butifarra, and Chicharrónare some of the must-try dishes in Peru. If you’re curious in trying an Andean delicacy, try guinea pig meat – Cuy. There is something to tickle the taste buds of everyone, from the adventurous to the traditional. Throughout the country the key to their exquisite cuisine is first class ingredients, making the food fresh, exotic and simply delicious.
  5. Enjoy the drinks!
    Great drinks must accompany great food. Right? Peru makes sure that’s the way it’s done. Whether you prefer the bubble gum tasting Inca Kolaor the strong beers, Peruvian drinks will make you addicted to them. Some of the local drinks you will find (and love) are the famous wines from the Ica region, the pisco sours(a sweet, lime tasting, but strong drink containing egg whites), the emoliente, and the coca tea (perfect to prevent altitude sickness).
  6. LIMA, once a dingy and even dangerous city, is rising in tandem with the Peruvian economy. Lima boasts a glorious old town with many museums and is worth a visit for its many sights such as the 1,800-year-old ruins of Huaca Pucllama in the heart of the city. Learn about the cultures that populated pre-Columbian Peru. See some erotic pottery at the beautiful curated Larco Museum. The colonial section of town is anchored by the Plaza de Armas, around which sits the Palacio de Gobierno and the Cathedral. Take time to stroll the spooky catacombs beneath the Monastery of Sanfranciso.
  7. CUZCO is thought to be the oldest continuously inhabited city in the America’s and it retains many tangible links with its pre-Columbian past, such as the ruins of Coricancha, an Inca temple demolished by the Spanish in 1533. The former Incan imperial capital whose original streets were laid out to resemble the shape of a jaguar. Get the lay of the land at the central Plaza de Armas, check out the massive cathedral and pay your respects to the mummies at the Museo Inka. Then make a stop at Coricancha, the Temple of the Sun, which was once the city’s religious centre and covered in pure gold plating before it was looted by the Spaniards. The hilly bohemian San Blas district is also worth a walk for its cute little shops and cafes and sweeping views of the city. Beyond the history Cuzco has many diversions. Much of the centre is pedestrianised making it easy to drift around and get acclimatised, dropping into churches, art galleries, and former palaces and convents now turned into hotels.
  8. 8. The Sacred Valley is a region in Peru’s Andean highlands along the Urubamba River between Cusco and Machu Picchu. You can marvel at the enormous Incan crop terraces at Moray and buy artisanal pink salt straight from the source of the ancient mines of Maras. Along with the nearby town of Cusco and the ancient city of Machu Picchu, it formed the heart of the Inca Empire. Stretching roughly 60 kilometers, it’s an area of fertile farmland and Spanish colonial villages like Pisac and Ollantaytambo. Pisac is known for its Sunday handicraft market and hilltop Incan citadel.
  9. Lake Titicaca
    Andean folklore dictates that Lake Titicaca is the birthplace of the sun, which is why this huge body of water is considered so sacred. The largest lake in South America it is the highest navigable waterway in the world and is home to the Uros people, who live on floating islands made of reeds. A visit to these man-made floating islands to meet the locals is a must on your trip to Peru.
  10. Machu Picchu is one of the 7 wonders of the world
    Most archaeologists believe that Machu Picchu was constructed as an estate for the Inca emperor Pachacuti (1438–1472). Often mistakenly referred to as the “Lost City of the Incas”, it is the most familiar icon of Inca civilization. It was once of the empire’s last strongholds after the Spanish invasion and was hidden in the jungle for centuries. The centuries-old citadel has become on of the world’s most famous tourist attractions.”

WTN Peru Tour
June 11 to June 21, 2020
Our Peru trip takes you from Lima to the heart of the Inca Empire, visiting Cusco and uncovering the secrets of the Sacred Valley. Then visit the crown jewel of that lost era Machu Picchu.
Trip is limited to only 15 travelers

For trip details or ton confirm you place on this amazing adventure contact:
Womens Travel Network affiliated with Worldwide Quest
Reservations: 416-633-5666 or toll free 1-800-387-1483
Debbie at WTN: 905-771-8338 or toll free 1-888-419-0118

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