Friday, April 26, 2013

Introduction: Umbrella Liability Insurance






















Personal umbrella liability insurance provides you with an extra layer of protection in addition to the liability coverage you have through your current home and auto insurance. It could be important coverage if you accidentally injure someone or damage their property.

Why needed?
Lawsuits are a growing trend. Many people assume that their auto or home insurance will provide all the liability protection they need. But that’s not necessarily true.
Personal umbrella liability insurance provides you with protection against these risks, which are not covered under your auto, property or other insurance, like (i) libel, slander or defamation of character, (ii) invasion of rights and privacy; (iii) false arrest. Your defense costs are covered from the first dollar on claims involving personal injury.

If you frequently visit the USA
If you regularly travel to the USA, where the claims climate is an even greater concern than in Canada, you might consider having higher liability limits. Personal umbrella liability insurance can provided this extra protection.

If you need a higher limit
If you own a car, house, pool, trampoline, pet, boat or other recreational vehicles, your chances of being legally responsible for injuring another person may be increased. 
The difference between your auto and home insurance liability limits and damages sought in a claim against you could vary by hundreds of thousands, even millions of dollars. And you would be personally responsible for the difference. Additional personal liability insurance can protect your finances by providing a higher limit.

Example:
Tom was sued for a golf club mishap he had whole playing golf with his girlfriends. One of his girlfriends got hurt really bad and decided to sue Tom. Tom's Home Owners liability policy covered his legal expenses for being sued, but it eventually ran out. He was thankful that he decided to purchase his umbrella liability insurance policy a few years ago because it kicked-in and covered the rest of his legal expenses.


References: 
http://www.ama.ab.ca/insurance/personal-umbrella-liability-insurance

For more information on travel advice and insurance, visit us at www.biis.ca, email us at info@biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.


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Friday, April 19, 2013

Smart safety tips for women travelers



Be culturally correct in your dress
The best way for a thief to pick you out of a crowd is by what you’re wearing. If you’re dressed like a local,  a pickpocket will not necessarily choose you first. He won’t be sure if you actually live in the area and are therefore up to his tricks, or are an unsuspecting visitor. More often he’ll target a female who does not seem to fit in. 

Expensive jewelry belongs at home
Better leave all your jewels at home. Wear an inexpensive, utilitarian watch, something that will go unnoticed. Try dressing up your hair or wear simple clothing.

Your wallet is not really your wallet
Keep your money and important documents in a cotton money belt worn close to your body. Never fight with anybody who demands your wallet. Having your fake in your purse to hand over is a very smart move.

Making connections, discouraging connections
When on holiday, leave those formal business cards behind. Instead, carry colorful postcards from home. There is no need to give a stranger your home address or phone number. Instead, a Hotmail or Gmail address is perfect for testing out new relationships.

Tell strangers you are a policewoman on vacation
When strangers ask you what you do for a living and you’re not sure if they can be trusted, tell them you’re a policewoman on holiday. They’ll quickly find some other traveler to prey on.


For more information on travel advice and insurance, visit us at www.biis.ca, email us at info@biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.

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Tuesday, April 16, 2013

Website shows Waiting times for Hospital Emergency Rooms



Patients who are heading to emergency rooms at five Vancouver Coastal Health Authority hospitals can now go online or by phone to check in real time how long it will take to see a doctor.

The Emergency Department Wait Times Dashboard at www.edwaittimes.ca, provides average waiting times to see a triage nurse and the average time to see a doctor  at Vancouver General Hospital, St. Paul's Hospital, Mount Saint Joseph Hospital, Lions Gate Hospital and Richmond Hospitals. Average times are updated every 5 minutes.

According to the website, critically ill patients are not included because they are always seen immediately. Ambulance staff can also use this website to guide them in taking patients to hospitals. This website allows patients with non-critical illnesses to see which emergency department has the shortest waiting time to see a doctor.

Although it is the first of its kind in British Columbia, similar dashboards list emergency room waiting times in Calgary, Edmonton and Kitchener in Canada and throughout the States.


For more information on travel or medical insurance, visit us at www.biis.ca, email us at info@biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.

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Monday, April 15, 2013

Video: Explosions at Boston Marathon finish line


Travel Advice for Canadians:

If you are in Boston, please let your loved ones know you are okay. 

Also, please avoid affected areas. Stay vigilant, follow the advice of local authorities and continue to monitor local media.

Our hearts go out to all those affected by today's tragic event in Boston.


For more information on travel or medical insurance, visit us at www.biis.ca, email us at info@biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.

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Friday, April 12, 2013

Countdown signals safer for pedestrians, yet risky for impatient drivers















A recent study finds that pedestrian countdown clocks have made intersections safer for pedestrians, but they may have actually increased car accidents across the city in Toronto.

Two doctoral students from University of Toronto observed 1,794 intersections between 2004 and 2008. The first countdown signals were added in November 2006. The researchers found the new pedestrian signals made pedestrians safer, estimating about five fewer collisions between cars and pedestrians per month. But city averaged a total of about 22 more such collisions per month involving intersections with pedestrian countdowns than those that didn’t have them.

The reason lies in driver impatience; drivers may use the countdown clocks to decide whether they can beat a red light, and in fact most drivers are responding by speeding up.

The researchers suggest the impulsive race against the clock could be eliminated by finding a way to make the countdown visible for pedestrians and but hidden from.


For more information on auto insurance, visit us at www.biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.

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Tuesday, April 9, 2013

Importance for Travel Insurance



Insurance is there to help you when the unexpected happens; especially for those all fit young people with no previous medical illnesses who had no reason to believe that they would need hospital care during their vacation.

Travel Insurance covers many eventualities. If your flight is cancelled and you are stranded or if your bag is missing and you are in a strange place without even a toothbrush, the insurance will help to defray your expenses. Most importantly, travel insurance is the Health Care Insurance for you for while you are out of the country.

If you are taken ill or injured in a foreign country and you do not have travel insurance, you are an uninsured patient and may have trouble getting care.

One of the features that is always included in travel insurance is Evacuation Insurance, which covers the cost of you being transported to a good medical center close to your accident or where you were taken ill. It also covers the expense of getting you home after treatment has reached that point that you are ready to travel.

Travel Insurance is surprisingly inexpensive and for a young person may be as little as $40 for a three week vacation. It is advised that you purchase this before you leave home. Whatever insurance you have, keep the details of the policy and call center number with you at all times. I hope you have a wonderful trip and do not need any medical services, but it is best to plan for all eventualities.


For more information on travel insurance, visit us at www.biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.

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Thursday, April 4, 2013

Will I get insurance coverage for pre-existing conditions?


Yes.

Most Canadians have some kind of pre-existing condition, such as diabetes, asthma or other manageable conditions that don’t have a debilitating impact on their daily lives. Insurance is certainly available for anyone with this kind of condition. If you have a pre-existing condition, you will likely be given what is called a “rated” policy. This policy may carry a higher premium and will generally require medical tests before you will be approved for coverage, such as a blood or urine test, to ensure that you do not have any other conditions.

Insurance coverage is also available for survivors of more serious conditions such as heart disease, stroke or cancer. These policies can only be purchased within a certain number of years after the date that the patient was pronounced as recovered from the condition and are mostly sold as a rated policy.

Coverage is usually not available to any individual who does not meet eligibility or who:
a) Has been diagnosed with a terminal illness;
b) Has been diagnosed with or has had an episode of congestive heart failure;
c) Has Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV);
d) Has Alzheimer’s disease or any other type of dementia;
e) Has received any type of treatment for pancreatic cancer, liver cancer or any type of cancer that has metastasized;
f) Has been prescribed or used home oxygen treatment in the last 12 months;
g) Has had a major organ transplant (heart, kidney, liver, lung);
h) Has received kidney dialysis treatment in the last 12 months.
You are eligible to apply for coverage if you meet the eligibility requirements stated above.

For more information on travel insurance, visit us at www.biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.

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Monday, April 1, 2013

10 high risk activities travel insurance excludes

Travel insurance usually excludes high-risk activities, which include any skiing out of bounds, heliskiing, ski jumping, skydiving, sky-surfing, scuba diving, white water rafting, street luge, skeleton activities, mountaineering, or participation in any rodeo activity.
Heliskiing


Ski Jumping






















Skydiving












Sky surfing

Scuba diving (except if certified by internationally recognized and accepted program such as NAUI or PADI, or if diving depth does not exceed 30 metres)

White water rafting (except grades 1 to 4)

Street Luge

Skeleton activity

Mountaineering

Rodeo activity

For more information on travel insurance, visit us at www.biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.

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