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Will You Risk Not Having Health Insurance When Traveling To Canada?

September 17, 2012 by

Article by Mark Mitchell

Canada has a universal public health insurance program (Medicare) that usually covers the cost of most injuries and illnesses for citizens, meaning that individuals requiring dental or medical attention can visit doctors and hospitals with no bills to pay. However, some areas of health care aren’t covered by the governmental plan and travellers from other countries or new residents may not have access to the free health care, making short-term insurance a must. Suffering a medical emergency in a foreign country, even one as close as Canada, can empty your wallet very quickly.

Most short-term health insurance providers offer insurance for periods from as little as a few days to up to a year. Considering that many travellers to Canada can visit for only six months per year, health insurance coverage for longer periods may be unnecessary. However, individuals planning to enter and leave the country frequently over the course of a year should look into coverage that is as long as possible.

If you have health insurance in your own country, you can check with the insurance provider to see if your current coverage will also cover any accident or illness while travelling abroad, as you may not need a separate short-term insurance while on vacation or business. United States insurance companies can provide extra insurance for travellers to Canada based on the time spent out-of-country and the limits of coverage required. While health care costs in Canada are relatively lower than costs in the United States, you can estimate that a hospital stay in Canada might average ,000 a day and having insurance coverage limits of approximately ,000 is a good idea.

Compare costs between insurance companies and find out ahead of time what medical needs are covered and what aren’t. Never assume that the worst won’t happen, as it’s always better to be safe than sorry. Also, do work with an insurance company that is professional and that carries a strong reputation. While unknown companies may have cheaper rates, choosing an insurance provider with a name most people recognize is the best decision. Be careful of deductibles, as they’ll affect the overall cost of the insurance coverage. Higher deductibles lower rates and while paying out of pocket may seem feasible at the time you agree to take short-term insurance coverage, you may find yourself in serious medical straits without the available cash or funds required for treatment.

A consideration about requiring short-term health insurance for Canada is whether the individual has a pre-existing condition, as most short-term insurance plans will not cover costs relating to existing situations. Short-term health insurance is for emergencies only and for medical attention that is sudden or unplanned. Evacuation is something to look into, should you need to return to your home country or place of residence quickly. Many insurance providers don’t offer the option of covering costs of evacuation, and the procedure could be expensive. Also, include dental insurance in your coverage if possible, as many people overlook this aspect but find themselves requiring emergency oral care.

Always carry identification on you, as well as information or a policy card that lets emergency attendants know that you have insurance coverage. Your identification should include the provider and policy name, effective dates, and as much pertinent coverage information as possible.

About the Author

Check out all your short term health insurance options at http://www.popular-insurance-plans.com Not a sales page, but straight talk information for you

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The Importance of Having Health Insurance

June 17, 2012 by

Article by Brenda Williams

In many people’s opinions, health insurance is a waste of money. However, you never realize how much you need it until it’s too late sometimes. For instance, if you were to suddenly take ill tomorrow but had no health insurance coverage, who do you expect would pay the FULL cost of that bill up front? That’s right; you would be responsible. Now, granted, there are those of us who never get sick and have no apparent use for health insurance.

We go through our days feeling fine and growing angrier and angrier at the fact that each month we are paying X amount of dollars for health insurance plans that we never really see the benefits of. Where is all of this money going? Can you get it back at the end of the year if you don’t use your health insurance? No. Some people aren’t even that lucky. There are a lot of people who either choose to or simply have to file for individual health insurance because their employers do not offer it or because they are self employed.

I recently spoke to a former health insurance agent of mine (I have since switched health insurance companies) and was shocked to find out that for a 26 year-old female who is in excellent health, health insurance would cost me 2 per month as of January 2009. This would be a significant jump from the 2 per month that I had been paying before. It wasn’t even that great of a deal because I still had to pay additional money out of pocket for any dental and/or routine medical checkups. It made me wonder, “Where is all of this money going?” You would think that if you’re already paying 2 per month for health insurance and barely using it that when you did go to the dentist you wouldn’t have to pay anything out of pocket. Not so. When I asked why it was so expensive to have health insurance as well as why the cost would be going up, I was told by the health insurance representative that it didn’t matter how great of health I was in. Rather, the numbers were based off of statistics- statistics which showed that women are far more likely to utilize health insurance because of pregnancy, etc. than men. Therefore, because women utilize health insurance services more, we have to pay more. This still didn’t make sense.

My thinking was that if women are using health insurance more, it means that they are actually keeping up-to-date with all of the latest shots, immunizations as well as routine checkups- thereby lowering their risk of contracting any life-threatening diseases. On the other hand, men don’t utilize it, which means that they would only go to the doctor if something was seriously wrong. What happened to the notion of “prevention being better than cure”? It seems that these high premiums make you NOT want to use the doctor at all.

About the Author

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How to Solve the Problem of Having the Same Hairstyle While Traveling – Travel Curling Iron

January 22, 2012 by

Article by Mikle Brave

There are all types of women and men in this world. One category which has become quite widespread is that of people who are especially careful of their looks and who are always trying to keep it new and attractive. If you are one of these people then it is highly likely that you have had to face the problem of having the same hairstyle while on a trip somewhere.

When you had to go through the monotony of such a situation, you would have asked yourself about the reason why you could not carry your travel iron. The prompt and logical answer would be that a curling iron can be quite cumbersome and hence it is stupid to carry it on a trip. Just because you are away from home does not mean that you should have to look like the drab and boring person that you have always tried not to be.

The solution to such a dilemma of looks versus practicality comes in the form of the travel curling iron.A travel curling iron is particularly manufactured so that it allows you to have the maximum amount of comfort possible. This accessory does this by equipping you with a very adept device for doing your hair while at the same time not having to worry about the weight or the cumbersome factor. A travel curling iron is a specifically designed appliance that fulfills all the purposes of a normal curling iron and can also be compact to carry around. The compact nature of it comes from the fact that manufacturers design them in such a way that you can either fold them or disassemble them when you are not using them.

When you are on that extended vacation you can now with the help of the travel curling iron sport new hairstyles. Similarly, when you are on that small business trip or a series of mini professional trips, you can still leave an impression with your clients and contacts by being fully equipped with this appliance. There are a variety of irons available to you. Each travel iron differs on the basis of multiple variables such as size, color, technology and even style. Therefore, regardless of the type of hair that you have, there is a travel curling iron out there for you.

You can either purchase it from your local store or even better from the comfort of your home. If you are one of those busy professionals who do not have time to go to the market, the online medium of purchasing this appliance would be best suited to you. Apart from the fact that purchasing your iron from the internet is extremely quick and easy, you would also be able to have more options to choose from. This would facilitate a more comprehensive and informed purchase. Also, since the internet market is very competitive, you might even manage to get a good quality travel curling iron at affordable rates.

About the Author

There are many different types of travel curling irons. Come visit http://www.TravelCurlingIron.net to find out what are the different types, concepts, materials and designs of Travel Curling Irons, advantages of having it. Learn the best hair curling tips.

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Discount Travel – Travel Like a V.I.P. Without Having to Pay for Your Travel Agent’s Lexus

January 10, 2012 by

Article by Jorge M. Vega

Among the most unforgettable activities an entire family can enjoy together, with the added benefit of creating stronger bonds, is to go on a family vacation. Most families find that they have to put off this kind of adventure until they can save or find the money to pay for it. One way to get around this restriction is to research discount travel options; and, believe me, these are plentiful once you know what you are doing.

Here are two easy ways for a family on a budget to be sure they can always enjoy a yearly vacation together. First, scour the internet, or talk to their neighborhood travel agent to whom you’ve conveyed your requirements, to find the available discount travel deals which are being offered at prices that are significantly less than retail. The second option is, set up a vacation budget into which you save enough money for your family vacation throughout the year.

Nowadays, with the advent of the internet, it is easier than you can imagine to find those great deals for memorable family travel. In the last few years, with the help of the internet, families can now choose destinations, compare prices easily using the many travel services’ search engines, and realize savings of hundreds, even thousands of dollars on their travel expenses. For any one looking for memorable, discounted travel opportunites, the internet is the place to look, period.

As discussed above, setting up a voluntary travel budget is highly recommended, particularly if you’re interested in discount travel deals. By budgeting, you can effectively plan, organize and, with assurance and predictability, control your bottom line, making it easier to save up for the things which are most important to you and your family. You can, for example, set up a travel budget designed specifically for making your annual family vacation a reality. Depending on your finances, you can set aside as little as a week, or whatever other amount you are comfortable with, in order to have enough money at the end of the year to cover all the expenses for your family vacation

Creating a travel budget, in the manner described, is essential if you want to always have enough money available for that, all important, family vacation. By sticking to your budget, you develop the kind of discipline that can allow you to save for any of the things you and your family would like to do most, including, but not limited to, your family vacations.

About the Author

Would you like to know how to get Huge discounts on hotels, anytime? How about, what days of the week have the cheapest prices on flights? A fantastic new discount travel solution for budget conscious travellers can give you this information, and more. Visit http://www.earnlarge.com/discounttravel

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