All About Canada and Travel to Canada

by Michael Arbetov

As financial and insurance advisor I cannot stay indifferent if my current and potential customers lose their money only because of the lack of knowledge. I mean relatively cheap kinds of insurance, which can be useful almost to everybody.

 

For new immigrants who are going to the provinces of British Columbia, Ontario, Quebec, and New Brunswick it is necessary to buy an insurance to pay for medical assistance during their first three months in Canada. Canadian insurance companies offer “coverage to your taste” ranging from 25,000 to 150,000 $CAD per person. Some insurance companies (but not all of them) protect you from the moment of your arrival.

 

To have this service you should buy your insurance beforehand. It is worth mentioning that Canadian travel agencies most likely do not sell such kinds of insurance. You can buy them with the help of insurance agents, and what is more convenient through the Internet paying by your credit card on the web site of an insurance company or on my web site ArbetovInsurance Visitors To Canada . You can also find here additional information.

 

In case you do not have a credit card you can get in touch with me and I will help you to pay your insurance quickly and without any troubles. The earlier you will make the request the better there will be the result. If you buy an insurance being already in Canada you will have to wait for some period of time until coverage starts “working”. Depending on the company it may be 2 or 3 days and sometimes even 8 days (It is called waiting perion in insurance . That is why you will have to waste some time looking for a suitable kind of insurance or apply to an experienced agent who can help you to find the best option for you.

 

It also strongly recommended for guests, tourists, relatives and parents coming to Canada to provide them with Canadian insurance. If they do not have health problems and buy insurance beforehand the same coverage, which services new immigrants, will suit them too. Standard insurances are meant for healthy people who have not been ill during 180 days before buying insurance. People buying insurances should not be older than 85 years old. For your convenience you can do this on-line on the web site www.ArbetovInsurance.com

 

Visitors to Canada who has pancreatic diabetes, heart diseases, increased blood pressure and other diseases can buy a special insurance (it will be only a bit more expensive than the standard one if they have stable state of health during last 180 days). They can also buy it on-line both on the web site of the insurance company and on the web site www.ArbetovInsurance.com in the section Visitors to Canada Insurance under the subtitle “pre-existing conditions insurances”.

 

If you do not have a credit card do not hesitate to ask me (Michael.Arbetov@gmail.com ). If you are not sure what kind of insurance to choose: a standard or a special one, please call a medical specialist of TrentHealth insurance company (Ontario) by the telephone 1-800-491-0851 and ask him all the questions.

 

It is better to buy this kind of insurance through my web site. To do this you fill in the questionnaire on-line, then, in 5 minutes you receive the insurance form by e-mail, print it, sign it and send to the company. You can also order an insurance in the company TrentHealth (please, do not forget to mention agent’s name Michael Arbetov, Agent Code=1261). In this case you will receive questionnaire by fax. You will need to fill it in and send back. If you do not have a fax machine, you can apply to me, and I will send you all the forms by e-mail. You can also download them from the web site www.ArbetovInsurance.com If you buy an insurance in the TrentHealth company you should sign the form and send it to the company.

If you want to have a discount when buying health insurance for new immigrants and guests to Canada , please apply to me. I have a wider range of discounts than travel agencies because as a rule they have a contract with only one insurance company.

 

In addition to a standard medical insurance if you need the first aid you can buy a trip interruption insurance which will cover up to $ 1,500 per person or up to $5,000 per family to buy a return ticket in case of a sudden disease (if it is impossible to give back or change the tickets bought in advance).

 

If you are planning to visit Canada at least two times a year it is more advantageous to buy a multi-trip insurance for visiting Canada several times a year. It will be much cheaper than to buy insurance for every visit.

 

Terrorism and its consequences is the problem that worries many people. In addition to medical insurances we can offer you other kinds of insurance which covers losses caused by terrorist acts up to $ 35 million.

 

In my next article I will tell you about another kind of tourist insurance for Canadians who travel to other provinces of Canada or abroad.

 

 

 

Michael Arbetov , CFP, FMA
Wealth Management and Insurance Advisor

 

by Robert Schielmann

Many Americans feel the need to cross the northern border and move to Canada Americans moving to Canada can be tricky, but doable. Here is some basic information and helpful tips to make the transition easier.

For people requesting permanent residency status in Canada, there are six classifications. It is important to determine the specific classification that suits your needs. Here, we focus on the skilled worker classification. Interested parties entering Canada as a skilled worker must meet the coveted mark of 67 points. Individuals are scored on a points system ranking their skills and abilities to establish themselves as successful, permanent residents of Canada. The ability to speak English or French, job skills, and work experience are factors in the points system.

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Before applying, it is important that individuals make certain they can prove their minimum of one year, paid employment and available funds to support their family for six months.

Applicants can provide proof of language abilities or take a test to prove their fluency. Americans are typically fluent in English and have little trouble with this.

Be aware that fees accompany the application process. Several hundred dollars are required to apply. Such fees are refundable if the visa is not granted, or the application is withdrawn.

A medical exam is necessary for all applicants. It is important to determine any excessive demand on health or social services in Canada, or if an applicant presents a danger, for this reason, the medical exam is required. The exam is only valid for a period of twelve months. If the visa is not attained in this time, a new medical exam will be required.

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To speed up the application process, be certain that all forms are filled out accurately and completely. All pertinent fees should be included with the application. Write legibly. All submitted photos should be of high-quality.

The application process is reasonably simple. Under typical circumstances, there is no need for an applicant to hire legal representation to assist with the process.

While waiting for the results of an application, applicants will want to focus on their new home. It is important to research the numerous regions in Canada. Canada is large in size and diverse in culture. Applicants will want to decide what area is right for them.

Upon receipt of the application, applicants will be notified. Status of the application is available online. A successful application will result in a permanent residence visa. Confirmation of this will be sent to the applicant by mail.

The confirmation is called a COPR. This must be shown at the port of entry. Also, a current passport will be required at that time.

After the applicant's arrival to Canada, a permanent residency card, also called a PR, will be received.

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The application process for permanent residency can take time, but Americans who want to move to Canada will find the process worth the wait. Meeting some basic requirements can ensure that applicants are granted a permanent residency visa.

About the Author

Learn how to reduce your moving expenses with a rental moving truck by visiting http://www.cheapmovingonline.com a popular website that provides tips, advice and resources on Pods moving a new easier way of moving yourself without having to rent a truck.

 

Author: Rachel Lukasavige

The Great American Smokeout is just two days away and if you’ve decided to quit smoking we want to congratulate you! There are steps you can take to ensure your success with giving up smoking this year.

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1. Designate your quit day – mark it on your calendar and tell others about it so they can support you.
2. Plan your entire day – know when you’re going to get up, who you’re going to hang out with, and what you’re going to eat. Change your routine from the everyday. Take a different route to work, eat in a different place, drink tea instead of coffee.
3. Plan ahead for when you think the urge to smoke might come and decide how you’re going to handle it.
4. Keep active and drink lots of water and juices.
5. Buy yourself a treat – do something special to celebrate your success.
6. Take one day at a time and remind yourself of why quitting is important to you.
7. Enlist the help of a professional. Visit www.cancer.org/docroot/subsite/greatamericans/smokeout.asp to have someone from the American Cancer Society’s Quitline personally contact you.

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And remember to take things one day at a time. Every day that you remain smoke free is a step closer to a healthier life.

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20 minutes after quitting: Your heart rate and blood pressure drops.
12 hours after quitting: The carbon monoxide level in your blood drops to normal.
2 weeks to 3 months after quitting: Your circulation improves and your lung function increases.
1 to 9 months after quitting: Coughing and shortness of breath decrease; cilia (tiny hair-like structures that move mucus out of the lungs) regain normal function in the lungs, increasing the ability to handle mucus, clean the lungs, and reduce the risk of infection.
1 year after quitting:The excess risk of coronary heart disease is half that of a smoker's.
5 years after quitting: Your stroke risk is reduced to that of a nonsmoker 5 to 15 years after quitting.
10 years after quitting: The lung cancer death rate is about half that of a continuing smoker's. The risk of cancer of the mouth, throat, esophagus, bladder, cervix, and pancreas decrease.
15 years after quitting: The risk of coronary heart disease is that of a nonsmoker's.
*Taken from The American Cancer Society

 

Article Source: http://www.articlesbase.com/quit-smoking-articles/great-american-smokeout-259909.html

By Bobby Wan

http://lovecareshare.wordpress.com Article Source: http://EzineArticles.com/?expert=Bobby_Wan

 

by Michael Arbetov

For many of us summer is a period of vacations. To secure yourself against sudden troubles you need to take measures beforehand.

While traveling around Canada we strongly recommend you always to have about you a Provincial Care Card (in British Columbia it is called a British Columbia Care Card). This card covers your visits to a doctor throughout the country (except Quebec). To have a free service you will simply have to produce your medical insurance card. If you really need treatment a licensed physician or an oral surgeon from the given province will give you medical assistance. This kind of service is covered by the insurance of the province you reside.

As to medical service in Quebec and abroad most often Provincial Care Card covers there your visits to a doctor and other medical expenses in the amount that does not exceed the cost of similar services in the provinces you reside. For example the cost of medical treatment for a resident of British Columbia in a hospital of another country is covered on the basis of CAD $75 per day and real cost of one day in a hospital of the USA can constitute from one to several thousands US dollars.

It is clear that a Provincial Care Card is not enough to travel abroad. Examine an Insurance Scheme of your employer. In some cases the Scheme provides such benefits that will allow you to travel without fear to lose money in case of an unexpected disease. Study carefully all the events and insured accidents, which are covered by the employer’s insurances.

Owners of some credit cards have different Schemes of “Emergency travel Assistance”. Read carefully what and when is covered by the insurance. It may happen that your insurance allows you only to get medical consultations by the telephone 1-800 as well as to get advice on the following problems: transportation of a diseased person, how to find lost luggage, first expenses money, ticket exchange. Only the financial institution that owns the card can give you the final answer what exactly is covered by this card.

Recommended insurance coverage to travel abroad constitutes $2,000,000 or more for medical treatment and stay in a hospital (“Emergency Excess Medical and Hospital Expense”). Though you can buy tourist insurance in a travel agency it is recommended to buy it from an insurance agent . He is a professional in this field of activity and insurance is his basic business and not the side one. An insurance agent may help you interpret your employer’s scheme of medical coverage and to prepare documents for an insurance company to pay out insurance compensation in case of necessity.

If you are traveling to another province in Canada you can buy on-line private travel insurance for Canadian for half price as for traveling abroad.

If you have guests from another country or you have just arrived in Canada do not forget to buy a Guest insurance over internet . In critical situations failure to have such insurance can cause great expenses.

It is very convenient not only for Canadian residents but also for all those who are going to come here to buy insurance by telephone, fax or through the Internet.

 Michael Arbetov, CFP, FMA
Wealth Manager and Financial Advisor

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