Industrial Alliance Travel Insurance

Why should you purchase Travel Insurance from iA Financial Group?

Travel Insurance from iA Financial group can offer coverage for all your travels no matter where you go, it can be to the tropics or across the border. Not to mention, this insurance also offers coverage for visitor’s who aren’t protected by the public scheme while their stay in Canada.

iA Travel Insurance meets all your Travel Requirements

Complete insurance coverage in case of any medical emergency

A maximum coverage of five million dollars

If you need to visit the emergency room while being away, we have an all-encompassing policy that offers coverage for all your treatments as well as ensures you get the best treatment available. The provincial health plans cover less than 10% of travel medical bills; if you don’t have Travel Insurance, you will have to pay everything out-of-pocket and that would include ambulance fees, emergency air transportation, prescriptions, X-rays, dental services, return of your travel companion and more.

Travel Insurance that offers coverage for your pre-existing condition

Whether you have a lung condition like asthma or taking medication for hypertension, our Travel Insurance will offer coverage for all your pre-existing conditions. The coverage is based on your aged, the length of your trip as well as the stability of your medical condition. Our simple Medical Health Questionnaire for travellers aged over 60 years determines the rate of interest, not your ability to get coverage.

Trip Cancellation & interruption coverage

And more:

Did you know?

If you don’t have Travel Insurance, you will have to pay your medical emergency expenses out-of-pocket, and it can be quite costly:

Here are some tips that can help you avoid getting sick when you’re travelling

Before you leave:

No matter how you’re planning to spend your holiday, it can be a week in an all-exclusive resort, or crossing the desert, (it can be a mountain range too), your eating habits are bound to get disrupted and you may end up with digestive issues. Consider taking probiotics to reduce the negative impacts of an exotic diet that can leave your stomach in a tussle. Probiotics will also reinforce your intestinal flora. If you’re travelling alone or bringing children and grandparents on a family trip, or it can be a romantic getaway as well, always keep a first-aid kit. You may never know how it might come in handy. Not to mention, it will also help you avoid the headache of trying to find a pharmacy or a clinic.

You should that you pack your essentials:

You will also have the choice of visiting a walk-in travel health clinic and meet with a nurse who can help in determining whether your vaccines are all up-to-date or if you need to be immunized against illnesses that are specific to your travel destination. However, if you’re visiting a place like Cayo Coco or Riviera Maya, you may have some small cuts and scratches. You can always be ready by purchasing Travel Insurance beforehand. Everything from mishaps like going to the hospital, lost baggage to trip cancellation will be covered. Travel Insurance can help you avoid any unpleasant situation such as these. According to the Société Internationale de télécommunicationsaéronautiques (SITA), air carriers around the world lose approximately 80,000 bags every day, affecting approximately 1% of travellers.

While travelling

When you visit a new country, you would like to go all out on discovering its heritage and culture and that comes with trying out all the local dishes as possible. However, before you head out, you would want to check online comments for all the restaurants you would want to visit and check what its previous patrons had to say for them. Reading the comments would help you avoid any place where the dishes can cause digestion problems.
Also, you should be aware of street food vendors, the food may seem delicious, however, the food that is served by street-side vendors do not maintain health standards and they may be in contact with insects and general dust and pollution from the street. Not to mention, they might not be stored in hygienic storage conditions as well. It would be a shame to have to cut short a day out because you’re tied to the bathroom.
You should also be careful of the water you drink as well the icecubes you put in your drinks. The germs in the water may vary from one region to another and your body may not be used to them. There is a change of a strong adverse reaction if this foreign microbial florafinds its way into your system. Consider drinking bottled water whenever possible and if that is not an option, you should use water purification tablets or water filters.
Have a great trip!
You can visit the My Projects section has tons of tips to help you travel with peace of mind, You can check it out for tips on packing the perfect bag or for travel essentials.

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Call 1 844-542-4678 to speak to our advisors.

7 Travel Essentials for your Health and Safety

We completely understand that you can’t wait to take your floaters off and relax on the beach or explore a new town. However, before you do that we want you to think about your health and safety. We have made a list just for you so you can travel with complete peace of mind with your health and safety intact. Have a look:

Some tips for well-organizing your baggage:

Carry-on luggage:

Before you go to the airport

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Call 1 844-542-4678 to speak to our advisors.

7 vacation safety tips

The key to a successful vacation is not only living in a 5-star hotel, or camping out under the stars, it is to spend your entire time completely stress-free without worrying about your health and safety. Here’s a checklist for you so you can plan just that
Your home:
Travel reservations:
Your social media posts:
Your confidential numbers:
Your mobile and electronic devices:
Your baggage:
Your Travel Insurance:
Now that you’ve read through the checklist and made sure that everything has been followed, all that is left for you to do is leave.

Vacation in your humble abode

Here are 6 useful tips that can help you create the perfect vacation while staying in the comfort of your home. You don’t always have to travel to far-off lands just enjoy a vacation, sometimes you can just stay at your home and enjoy a ‘staycation’ (the new word that has been making its rounds among Canadians). You can take the time off and just rest, get some household work done and go off exploring your neighbourhood. Have a look at the list below for more ideas:
Start a Garden:
It doesn’t matter if you don’t have a big backyard, you can start a garden ona small balcony as well. Growing your own vegetable can become an infectious hobby if you really get into it. And why limit yourself to veggies, you can grow fruits, flowers, herbs that are easy to grow. You can grow them in pots or containers that would depend on you tough, but if you do start, by the beginning of summer you will have fresh food and not to mention beautiful birds and butterflies will also be attracted to your garden and you will get better acquainted with local wildlife.
You can grow plants to help out bees as well. They are very important to our ecosystem and their numbers have been suffering over the years. Especially with urbanization and the overuse of chemical products in agriculture, bees have fewer sources of healthy food. Thyme, raspberries, rosemary, lavender and sunflowers are all plants that will make the bees in your neighbourhood happy.
Here’s an article on Preparing your garden in the spring for you to find out how to get started!

Cool down with water games:

Some summer days can get really hot, and what better way to cool down than having fun with water games. You can sue the sprinkler or the garden hose, play water baseball where you can use water balloons instead of a real ball, you can also start a gunfight; there are tons of ways to cool down while you can have fun.
BBQ in the backyard:
Summer and barbeques go hand-in-hand and if you have never tried it yet, you should take it up this summer. Other than cooking up a delicious meal for your family, it also allows you to take a break and spend some quality time with people who you care about. You can find markets and other sources near you to prepare a feast full of local flavours. There are also several benefits of eating local. Make sure you’re careful when you’re cooking! To check out our tips, read our article Hot tips for BBQ safety.
A good time to explore your neighbourhood:
If you never had the time to explore your neighbourhood before, now could be the time. You can go for a walk, cycle around, ride a bike or a scooter down the street, whatever you like. Maybe you can go for picnics with your family in the parks nearby, (generally city parks are very well-maintained and laid out) You can also plan out a treasure hunt for your kids, across the neighbourhood. Challenge your young ones to spot, for example, two cats, three red cards, two basketball nets, say hi to a dog and much more. Use your imagination, it’s limitless.
Visit the national parks.
Any Canadian would know that our country is filled with huge national parks, and we have access to all of them. While you are staycation-ing in your home, you can explore the great outdoors at your convenience. Visit the website Parks Canada as well as your provincial park website for all the details that you are looking for about these places.
Clear of the task-list that’s been long overdue
When you’re vacationing in your home, you will have all the time to yourself, and you can use this time to clear off any pending tasks that you’ve been thinking of doing but haven’t. Here’s a list to organize the thing you choose to tackle:
But if you do go on your summer vacation, make sure you have complete Travel Insurance coverage so you can enjoy your trip without any extra stress.

Some tips for managing your travel expenses

When you’re traveling, you might lose track of your budget and then fall into a cash crunch. To stay away from that, here are a few hints that can help you manage your expenses while you’re traveling abroad.

Get the best Insurance Quote from iA Insurance

Call 1 844-542-4678 to speak to our advisors.

Flying with a baby or young child? Here are some hints for a smooth journey

If you’re traveling with toddlers or children, here are some tips to help complete your trip with complete peace of mind.

Get the best Insurance Quote from iA Insurance

Call 1 844-542-4678 to speak to our advisors.

What should you do before you travel?

Are you traveling soon? Ensure you don’t forget anything; here are some necessary precautions that you should take before you leave.
Pay a visit to a travel clinic.
It’s better to check if you need vaccines or specific medication before you travel. The best way to do this is to visit your doctor or specialized clinic. Sometimes, you may require several doses for a certain amount of time before you can travel. This ensures that you’re protected.
Keep check on your passport expiration date.
This is a general mistake that you can make if you’re not aware, and it can hamper your travel plans altogether. Before you book a trip, see to it that you have a valid passport. If your passport is nearing its expiry date, it will give you time to renew it.
Check if you will need a visa?
Before you start your trip, check if the country you’re visiting needs a visa. While several countries do offer visa on arrival, you won’t want to take that risk. You don’t need your vacation to end before it begins by being denied entry upon your arrival!
What is your Travel Insurance coverage?
This also comes under several essential factors to check on before you start your travel. While group insurance plans and many credit cards offer certain base travel coverages, ensure that you find out what is included in yours. If you don’t have Travel Insurance, you should consider buying one now as Travel Insurance coverage can help you travel with relaxed mind. If something happens to you abroad, it can help you avoid a financial crisis. Also, make sure that you have all your information with you. Different time zones and remote areas can make a simple call to verify your coverage quite tricky.
Advise your credit card company
You can protect yourself against fraud by blocking your credit card if you observe any unusual transactions. Even if you were the one who made a reservation at this lovely Italian inn, the credit card company may determine otherwise and block the transaction. Avoid such problems by informing your credit card company about your travel plans. Several institutions also allow you to tell them of your travel plans on their website or mobile app.
Keep your dear ones informed.
Make copies of your flight information, travel documents, reservation confirmations, insurance documents, and itinerary; everything related to your travel. You can share this information with a family member or a friend who can help you if you run into trouble abroad. For example, if you lose your passport, this individual can also consult these documents in case of a catastrophic event or huge mishap in the region where you’re traveling. All that’s left to do is to pack your bags!

Tips for a successful year off

If you are planning to take the year off, you better take the necessary repercussions before going ahead with it. You never know what might be installed for you.
Plan a long way ahead
Set milestones for yourself
It’s essential that before you take a year off, you should consider setting goals for yourself. Organize your time off down to every second so you can get the most out of it.

Plan your finances

Start planning your finances a year in advance. Here are some considerations you should make.
Start Saving
You should check if your employer offers you the option to take a deferred salary leave. That means you would set a chunk of your salary aside for a few years (20% for four years), and the money you set aside will be paid to you during your leave. If this option can be arranged, you will have some money left aside- in a tax-free savings account (TFSA). It will take a significant bit of discipline and can mean some sacrifices.
Plan your return
It would help if you considered planning your return as well, as it might take some to adjust. You would’ve learned some skill in-between, and your priorities might have shifted. Speak with your employer before you go back to the office. Understand what has been happening during your absence. Also, discuss your expectations when it comes to working and what options might be open for you.

The advantages and disadvantages of taking a year off

It is a big decision, and you should weigh up all the pros and cons before taking the plunge.
The benefits
If you have decided something that you will take a year off, you must have some plans in your mind. Here are some of the common reasons why people choose to take a gap year:
More things to think about
So, what’s the verdict?
The primary thing is to think things through properly and make sure you’re well-prepared. If you can plan it right, a year off can be a highly enriching experience. If your finances and responsibilities will stretch to it, and if your employer gives you the green light, go for it. It can be a great opportunity for you to grow as a person, learn new skills, and recharge your batteries—which could be just as beneficial for your employer too!