By Milan Korcok, Editor Travelinsurance File

Canada’s Department of Foreign Affairs & International Trade (DFAIT) has issued a warning against non-essential travel to part of the U.S. east coast north of Surf City North Carolina in advance of Hurricane Earl. You can see the full warning on the Travel Reports and Warnings icon on Travelinsurancefile homepage under Travel Links. Then just click on the country.

You are likely to see more such warnings for different parts of the U.S., Mexican, or Caribbean coastal territories before this hurricane season is over.

What this means for you is that if you purchased travel insurance with trip cancellation or interruption benefits before the government issued its warning, you will be covered for any prepaid, non reimbursable funds you paid out for a vacation trip to that specific region according to the terms of the policy. (But read your policy because there are limitations on what the insurer will pay and there are exclusions). If you bought insurance only after the warning was issued you will not be covered for travel to that area.

But before you cancel your travel plans, make sure you consult with the agent who sold you the policy because there are policy conditions that could affect your coverage.  For example, if the storm subsides or turns out to sea and leaves your destination unharmed or the travel warning is lifted before your scheduled travel date don’t expect a refund.  You can’t just cancel on your own initiative because you feel “uneasy” about travelling. If your destination resort is still operational and the airlines are still flying, your unilateral cancellation will not hold water.

This is important because the Atlantic hurricane season is now shifting into high gear.  From now through October, the big storms generated off the coast of Africa will be making a beeline for the U.S. east coast, the Caribbean and Gulf of Mexico.  Any travel you have planned to these areas should be covered by trip cancellation or interruption insurance.  But you need to know the terms of coverage and you need to stay tuned in to advisories from DFAIT or U.S. government, or National Hurricane Center warnings.

How long you can stay out of the country depends on two things: your own provincial rules on medicare eligibility, and how long your host country (for most snowbirds that’s the United States) allows you to stay as a visitor.  These are two separate sets or rules, and they don’t necessarily coincide.

Let’s deal with the provincial rules first. All provinces, except Ontario and Newfoundland, require you to actually live in your home province for at least six months plus a day (183 days in most years) in order to be considered a permanent resident of that province, and therefore qualified for provincial health insurance (medicare) benefits. That means actually residing in your home province and being able to prove it, if necessary, not simply owning a residence there and living in Portugal, Mexico or California for eight or nine months. That means you are allowed to be out-of-the province for half a year less a day—182 days. (Caution: once you are out of your province, that 183-day clock starts ticking.  So if you ordinarily live in Manitoba and want to stay with family in Ontario for a month before leaving for Florida,

you will only have five months left to spend in the Sunshine State.)

Ontario allows you to be out of the country for 212 days (seven months) and Newfoundland for eight months without risking loss of your medicare benefits.

If you stay out of your province longer than that, you risk losing your “residency” and with it your medicare benefits, and you will then have to re-instate your eligibility by living in your province for three straight months (without leaving) before you get those benefits back. And you will have to be able to prove that you have complied.

Since there are no provincial border police, you can expect a certain flexibility in how these rules are applied and I know of quite a few people who bend the rules to get a few extra days here or there. If it becomes an issue with your provincial authorities (that is, if your neighbor snitches on you and you are caught) the provincial authorities might well average out your out-of-province stays for the past two or three years to see how you measure up against that six-month threshold. They will not likely prosecute you if you are over by a few of days in one year. But as a general rule, it’s best to simply add up how many days you have been out of the country in a given year in total, and stay within the limits.

The other set of rules are set by your host country and have nothing to do with the medicare eligibility rules in your home province.  The U.S. rules are also somewhat flexible, but you best understand them.  Generally, you are allowed to stay in the U.S. for up to six months without a visa (more about this later) so long as the border agent allowing you in feels you have the wherewithal to support yourself, that you intend to return to Canada within that six month limitation, that you do not intend to stay in the U.S. permanently (illegally), and that you have a “greater connection” to Canada than to the U.S. If he feels you are manipulating the rules and actually living more in the U.S. than in Canada he can deny you entry and there’s not much you can do about it.

If you overstay that six-month allowance and are seen to be doing so by border agents you will likely be put on a restricted list and denied entry to the U.S. for a number of years. It’s too complicated to list the restrictions and penalties here—just, don’t do it.

If you do overstay and you are seen to be more of a U.S. resident than a Canadian one, you may well be required to pay taxes in the U.S. as well as in Canada and you don’t want that.

Travelling back and forth across the border has become a little more complicated over the past few years, but it is still relatively easy for Canadians due to certain dispensations the U.S. offers its northern neighbor.  In effect visitors from Canada are “deemed” to be travelling into the U.S. on a visitor’s visa even if you don’t have the paperwork to prove it. But if you want to stay longer than six months, you will have to apply for the real thing and that is a more complicated process—not for discussion here.

How do you prove your legitimacy and your domicile and your residency to a curious border agent?

Get a passport. And if you don’t already have one, shame on you. This is the 21^st century and if you want the privilege of being able to travel to foreign countries (and remember, it is a privilege and not a right) then accept the obligation of being able to prove who you are.

And remember most of all, that once you leave your province and enter another country, your medicare benefits stay behind and you become responsible for paying for your own medical costs. You will be lucky if your provincial medicare pays 10 cents on the dollar of any foreign hospital bills you generate.

That’s what out-of-country travel health insurance is for.

Snowbirds heading for Maricopa County in Arizona, or Southeast Florida, can cut up to 25 percent off their travel insurance costs by using pre-designated hospitals and clinics for their medical emergencies. This is how the plan works.

A new travel insurance plan that offers up to 25 percent premium reductions for snowbirds travelling to southeast Florida and Maricopa County in Arizona has been released to the Canadian market for the 2010/2011 winter season. If you travel to these areas, normally stay relatively close to your winter home, and are prepared to use only specified hospitals and clinics for medical emergencies, you can save money on your travel insurance. But there are requirements, so read your policy well.

The ViaCare plan, administered by etfs, one of Canada’s largest travel insurers, and underwritten by Royal & Sun Alliance, has targeted this program for visitors to Dade, Broward, and Palm Beach counties in Florida, and the many snowbirds who winter in the Phoenix, Mesa, Tempe, Apache Junction area in Arizona. To see details of this plan, click on “Snowbirds Click Here for New and Updated Travel Insurance Products,” then click on the etfs logo and you will see ViaCare.

I caution that the hospital sites are limited, and if you go to a hospital outside of the designated network, the insurer will only pay 75 percent of the billed charges, leaving you to pay the remainder. That could be thousands of dollars as hospitals in the U.S. are the most expensive in the world. However, in case of a life-threatening 911 emergency, where it’s not practical to get to a network hospital, you may be covered if the emergency occurred while you were in Maricopa County in Arizona, or in any of the three Southeast Florida counties covered by the etfs network (Palm Beach, Broward, Dade). But you must have someone call the insurer immediately to get that dispensation.  It’s not automatic. And the insurer’s case manager must be satisfied that your emergency warrants use of an out-of-network facility. Best if you can call beforehand.

To give you more flexibility, etfs allows you four days to travel to your winter destination and four days to return home free of any restrictions on hospital use. In addition, if you plan on travelling out of your destination county for a few days, to take a cruise or other side trip, you can get supplemental coverage for that period from your insurer—but you must call and make that arrangement ahead of time.

In the U.S., hospitals routinely negotiate reduced fees with insurers who can provide them with a steady stream of patients. In Florida and parts of Arizona, the large numbers of long-term Canadian visitors provide a client base the hospitals would like to attract. In return they are prepared to offer substantial fee reductions and that is reflected in your premium discounts.

Each plan offered by ViaCare lists all the outpatient clinics and hospitals in its network. As yet there are not many, although the number may grow. But the facilities and their locations are listed on the plan brochure. I suggest you do a little research and look the hospitals up on the internet to see what they specialize in and if they meet your requirements.

Understand that this is for emergency care only, and the plan it is subject to certain pre-existing conditions requirements and limitations and exclusions, as are all Canadian travel insurance plans. So ask questions, read your policy and make sure you know what you are buying.

To get more information or to apply for coverage, Travelinsurancefile subscribers can call

1 877-455-3541. We are working now to get a direct link to allow you to buy this product online. We’ll let you know when that happens.

Travelling out of the country more than once a year? Trying to keep your options open? Looking for ways to seriously wind down the costs of travel insurance without diluting your coverage? Consider annual, multi-trip plans. Here’s how they work.

If you travel out of the country two or three or more times a year; if you like to take short, frequent trips; or, if you normally spend six winter months in the South but would like to return “home” for one or two weeks with the kids at Christmas, consider an annual, multi-trip plan. It can be a lot cheaper and can give you more flexibility than buying two single-trip plans.

Annual plans are becoming increasingly popular with our more mobile population, and what’s best about them is that almost all travel insurers in the Canadian marketplace offer them.  Sometimes, though, you need to ask.

Here’s how they work:

An annual, multi-trip plan offers you a choice of out-of-province travel segments—15, 30, 60, 90 days or more—this varies from insurer to insurer and in the number of travel days offered.  This means you can take an unlimited number of trips up to the given number of days selected, throughout the year, and you don’t have to advise your insurer ahead of time when you are taking those trips. You just sign up for the annual plan, pay your premium and go. The restriction is that you cannot exceed the number of days selected (e.g. 15 days) on any one travel segment, and you must return home for at least one day before starting out on the next segment. You also cannot combine segments back to back.  If you need to add a few days to one of these segments, you can have insurer “top up” the needed number of additional days.

It’s like insuring you for four shorter trips per year without doing all the extra paperwork.  Also, all travel insurance plans are priced on the length of time you will be out of the province and, therefore, exposed to foreign medical costs.  The longer the trip, the greater the per diem cost. Why? If you are a golfer and you want to insure yourself against being hit by lightening, your chances of being hit are greater if you are out on the course 150 times a year as opposed to 10 times.  Your exposure to the elements is simply greater.

But there are a couple of things to watch out for when you buy an annual plan.

If you generate a claim, you may have to prove the incident occurred during one of your designated number-of-day segments. You may be asked to show travel documents, credit card receipts, etc, to verify when you left your province and returned during that particular trip.

Also, if you generate a medical claim during one of your segments, you will be expected to notify your insurer of such a claim and the reason for it as it may be considered a pre-existing condition for any subsequent segments. For example, if you have an appendicitis attack during one segment of a 30-day trip, you will likely not be covered for anything related to that condition for your subsequent trip segments. Your insurer needs to know so it can recalibrate your coverage conditions and possibly readjust your premium for the remaining segments.  And don’t assume that because you filed a claim with one arm of the company (the claims arm), the other arm (the sales arm) automatically knows about your claim.  In big companies, people over “here” don’t always talk to people over “there.” Still the savings you can gain by using an annual plan can be significantly lower than taking two or three single trip plans, so investigate the option.

Given the number of travel insurance plans in the marketplace, how can you be sure you’re getting the best, or the cheapest? What do you look for in finding the plan that fits your needs and your health condition?

This coming Saturday, August 14, James Daw, personal finance columnist for the Toronto Star, will feature his annual survey of travel insurance plans available to the general public.  The survey is broad, it includes information on dozens of plans, contact numbers, price ranges for various age groups, as well as articles quoting travel insurance specialists offering perspectives on product trends and what to look when shopping for in travel insurance. You can find it by going to www.thestar.ca.

What the survey illustrates is that though there are more plans than ever, you still need to do your homework when looking for one that gives you the coverage you need—for your age, your health status, even your destination location. No two plans are exactly alike.  Some will cover you if you’ve had a heart attack within the past year, others won’t.  Some will consider you ineligible if you take more than three, four, or five medications, others will allow it, so long as you meet certain criteria.

Some will say they cover you for up to $5 million, others will go to $2 million. Does it make a difference?

(Not really. No insurer is going to let you run up that sizeable a tab in a foreign hospital if they can air lift you back home.  And if they choose to do so, they have the right.)

So how do you find the best plan?

• Do not start by picking the one with the lowest price without looking at the limitations and exclusions, and don’t necessarily select the one with the highest premium thinking that the higher the price the better the product. Insurance has to be tailored to your individual need—age, health status, duration of your trip, etc.

• Consider options to the single-trip plan.  If you travel more than once a year, or you’re planning on breaking up your six-month trip to the South by going home for Christmas week, you might find the annual plan quite a bit cheaper than two separate single-trip plans.

• If you have a retiree/pension plan that covers you for a limited period (usually 40 or 60 days) or you are a superannuate with coverage under a public service health plan, consider using that coverage with an appropriate top-up from a dedicated travel insurer;  But CAUTION: there are potential gaps and traps in making such top-ups, so do so only with a travel insurance specialist who can make sure that your coverage remains seamless and covers you fully.  This is no game for amateurs.

• If you are taking any medications, or you see your doctor periodically for what you consider a stable condition, or you have had surgery or hospitalizations in the past, you need to disclose these to your insurer. If you submit a claim for medical services and your insurer finds evidence of that ulcer you “forgot” about, or that you took blood pressure medication and didn’t report it, your claim could be disqualified.

• Consider a deductible.  It may significantly lower your premium. The greater the deductible, the lower your premium.  See my post on deductibles. Click here.

• When you see insurers claiming that they “Cover Your Pre-existing Conditions”, take that with a grain of salt. All insurers cover certain pre-ex’s up to a point. Many people in less that perfect health can now find coverage they would not have been covered for even a couple of years ago. But there are limits and “conditions.” Make sure you know what those limits are. One thing is certain: no insurer covers all pre-existing conditions. If you doubt me, try calling an insurer from your hospital bed after just having a lobe of your lung removed and see what they say.

• If you’re not travelling to the United States, you might get a discount on your premiums.  That’s because hospital costs in the U.S. are so expensive.  Many travel insurers now offer non-U.S. plans.

• When comparing premiums, make sure you are comparing plans with the same limits, benefits and conditions.

Most important, don’t leave your shopping until the day before you leave. That’s not enough time to make an intelligent choice.  Do it so you can assess several plans, and even check with your doctor if you’re unsure of medical questions.

One good reason for shopping around when you’re looking for travel insurance is to compare the savings you can achieve by taking on deductibles. You can save a lot of money. 

What’s a deductible?  It’s the amount you agree to pay a hospital or medical bill before your insurance kicks in. Buy a plan with a $100 deductible, and on a $1,000 bill you pay the first $100 and the insurer is responsible for the remaining $900. On the other hand, if your bill is $100 or less, the insurer is spared having to spend more to process the bill than it is worth. For that, it’s worth it to the insurer to give you a break on the premium.  All insurers listed on our homepage offer deductible options. Click on their icons for more details.

Deductibles can also go into the thousands, and the higher they go, the bigger your discount. I know many insurers who offer $5,000 or even $10,000 plan deductibles with savings that can go as high as 30 or 40 percent.

Obviously you should be in good health to consider such a plan and you should also be travelling for a long enough period that it makes economic sense. You want your savings to be substantial. You’re not going to take a $5000 deductible to save $20 on your premium.  And above all, you should only consider a deductible you can manage comfortably.

But only a very small proportion of travellers actually encounter medical emergencies while they are out of the country. So if you are relatively healthy and you have no medical major medical claims for, say, five or six years, and you save 15 or 20 percent on your premiums each year for taking a deductible, you will have saved a good chunk of money.

Also, if you have a retiree pension plan with a limited lifetime medical maximum (say $100,000 or $500,000), you may be able to use a portion of that to cover a $5,000 or $10,000 deductible if you have a large claim. When comparing insurance plans, ask insurers if they have such an option.

Most important, when comparing plans with deductibles, make sure you are comparing like plans with like deductibles. No sense comparing the premium for a plan with a zero deductible to one with a $100 deductible.

Though federal law requires all American hospitals to treat medical emergencies without regard for the patients’ ability to pay or whether or not they have insurance, it does not restrict them from requesting substantial deposits or commitments to pay all bills directly. With or without a deposit, you will still be treated and your service will be good.  But if you don’t have more than just your provincial government health plan, you will be followed for payment, even if the hospital has to put your account out for collection, and being out of the country will not protect you from those collectors.

Supplemental private travel insurance, such as that offered by the companies listed on this page or elsewhere in the Canadian insurance marketplace, will protect you against most of these demands, although increasingly, American hospitals in high tourist-density areas, (Las Vegas, Arizona, California, even Florida) are stepping up their attempts to extract deposits from their foreign patients.

All companies listed on this page meet TIF’s criteria for essential benefit coverage limits for Canadians and all have extensive service agreements with America hospitals. Feel free to explore their plans and compare their coverage limits, exclusions and premium prices. You may also purchase online if you see a plan that meets your specific needs.

If you have private supplemental coverage and you notify your insurer immediately upon entering hospital (preferably before, if possible), the insurer can intervene and help deflect the hospital’s demands. But your policy must be valid and you must meet the insurer’s requirements for immediate notification. You will still be required to sign a commitment that you are responsible for any and all bills submitted by the hospital or doctors treating you in case your insurer fails to do so, but that’s no different from what American residents must commit to. That’s routine procedure. Irrespective of that, you will still be treated for any medical emergency.

Unlike hospitals in Canada, that are financed largely by government-allotted tax revenues, American hospitals, even non-profit institutions (which account for most acute care, community hospitals in the country) must make ends meet.  If they fail to do so, they will close.  And right now, almost half of American hospitals are operating either in the red or within narrow three to four percent profit margins.  Though federal and state government Medicare and Medicaid payments account for close to half of  American hospital revenues, their payment rates generally cover only 80 percent of operating costs, so hospitals must rely on private insurance to make up the difference and to pay for new equipment, the latest technologies and specialty expertise. Health care is an extraordinarily expensive commodity and getting more expensive, no matter where you are.  Somebody must pay.

American hospital accounting personnel in high-density tourist areas also know how little Canadian government insurance plans pay for out-of-country services and will not accept their coverage terms.

They will, however, deal favorably with most Canadian supplemental travel health insurance providers.

Self paying your hospital bill is not an option—no matter which hospital you go to. Even a few hours in an emergency department undergoing basic testing will cost thousands of dollars. Routine admission will run to several thousands of dollars per day. Don’t even think about it.

This is one of the most frequent questions we hear from younger snowbirds planning their winter vacation.  We say “younger” snowbirds, because older ones know better. They know that cost depends on age, health status, length of the trip, and to some extent, destination.

Travel insurance does not come in a “one size fits all” package. Example, a healthy 55-year old traveling out of the country for two months might pay less than $2.00 a day. An 86-year old in normal health (for a an 86-year old) travelling for 180 days might pay $25 a day—or more.  Where do you fit into that spectrum?

There really is no way to get a definitive answer until you find the plan options you want and complete the application. If you are a super healthy snowbird, in your early or mid-50s, take no medications, have no medical conditions requiring monitoring or treatment, see your doctor only once a year for a routine checkup and require no coverage for any pre-existing conditions, your application will be a breeze and you will get the cheapest rate.  Take a deductible (anywhere from $99 to $5,000 or more) and you can reduce that further.  But in applying for this no pre-exist, super healthy option, think twice. Many look only at the price and think they can “squeeze” themselves in—even though they only take one or two medications for high blood pressure or cholesterol, or their doctor tells them they are doing fine, or they feel “great.”

Squeezing yourself into a price category because its meets your budget, regardless of your health status, can be a disastrous way to buy travel insurance. If you go away and have no claim, you’ll be fine.  But stay even a few hours in a foreign emergency room where you are not covered by your provincial health plan and you’ll see how costly that “squeezing in” exercise was. It will likely be in the thousands of dollars, even if all you had was indigestion and not a heart attack. Once you submit your claim, your insurer will be obligated to look at all of your medical records from your home physician. And if that shows that in fact you were on medication, or were treated for a pre-existing condition a couple of years ago, or had symptoms suggestive of a medical condition, it may well be you, and not the insurer, who will have to pay the hospital bill.  Will that be worth it to save .50 cents a day?

I often see snowbirds chatting to each other, comparing the prices they paid for of their out-of-country insurance, oblivious of the content or conditions of their respective plans. That’s as senseless as equating the purchase of Toyota Corolla to a Bentley.

Besides your health status, prices depend on other factors.

• Length of trip: the longer your trip the more you will pay per day. (It’s like a golfer taking out insurance against being hit by lightning while on the course.  If he plays golf every day he is more likely to be incinerated than one who plays only three times a year).

• Age: A 90-year old is statistically more likely to encounter a medical emergency than a 50-year old and premiums will reflect that.

• Destination:  Many Canadian insurers offer lower rates for non-US travel as American hospitals are among the most expensive in the world.

• Deductibles:  If you are prepared to pay a certain portion of your medical bills, you can reduce your premiums. These savings can be substantial.

Shopping around is important. There are considerable price differentials offered by brokers, associations, affinity plans, motor leagues, groups and the many insurers who administer and underwrite plans in this very competitive marketplace.

But first: find the plans that meet your medical , age, trip length, and deductible needs.  Then compare prices, apples to apples.

In coming weeks we will be adding Canadian travel insurers who meet our criteria for essential benefit coverage to our inventory. Scroll down the right side of this page and you can access several of those offerings right now. You can assess their plans; you can buy online.  We’ll be adding more. These are the same providers who underwrite and administer hundreds of different programs for brokers, associations, motor clubs and affinity groups across Canada. We will also be working with these insurers to get you the best available rates.  Generally, rates go up as snowbird season gets closer, so you might want to see if any of the plans have early bird specials or other preferred rates for early sign-ups.  From the look of things now, premiums will likely be increasing to keep pace with rising health care costs, particularly in the U.S.

But do your homework before buying. When you go out to buy a flat screen TV or a microwave oven you don’t usually buy the first one you see. You like to look around and make sure you get the most for your money. Similarly, you need to make direct comparisons of several plans, and not only by price.  You should compare apples to apples, plans with deductibles against plans with no deductibles, and look at exclusions as well as benefits before you can decide what’s best for you.  We’ll be giving you tips on how to do that. No matter what an advertising brochure suggests, you’re not covered for “everything.”  This is emergency coverage only, and you have to know its limitations as well as your own obligations when applying for coverage or submitting claims.

In the coming weeks we’ll also be giving you tips on:

• How pre-existing conditions clauses affect you,
• How to fight back if you feel your insurer isn’t playing fair,
• Is trip cancellation/interruption coverage a good buy?
• How to drill down to get the best price,
• Is there really a difference between travel insurance plans?
• What to disclose on medical questionnaires,
• How to deal with foreign hospitals that demand immediate payment,
• Do credit card or pension/employee plans offer sufficient cover?
• And more…click on Ask the Editor and submit your own questions.

And we’ll be providing you with current news and analysis about developments in your vacation destination—Florida, Texas, Arizona, Nevada, California, Hawaii, Cuba, the Dominican Republic: hometown news about property taxes, weather events, cultural and leisure opportunities as well as safety and security advisories. We’ll keep you posted through our own up-to-date email newsletter service. Just sign up here and we’ll deliver the latest news and updates on out-of- country travel insurance on a regular weekly basis—even to your smart phone. It’s free.

Also stayed tuned for any further benefits and offerings you can take advantage of as a regular member of TIF’s Canadian Snowbird Travel Insurance Marketplace: Edition 2010/2011.

With this issue, TravelinsuranceFile launches its Canadian Snowbird Edition 2010/2011, an out-of-country insurance marketplace and travel news service designed to help you simplify and get the most for your money when planning your forthcoming winter vacation. Here’s the deal.

We know that buying travel insurance can be confusing—especially if you are not in perfect health. And even then, you need to know where to get the best deals, how to avoid the pitfalls hidden in the fine print, and how to get the coverage that best suits your needs without paying more than you have to.

You may have pre-existing conditions; you might be covered for a portion of your trip by pension or employer-sponsored insurance; you might only need to top up your coverage; or you may be traveling to a part of the world where you might need trip cancellation or interruption options. We will deal with all of these scenarios by offering you choices from Canada’s top providers of travel insurance—not just one provider, but many. These are the same providers who administer hundreds of different programs for brokers, associations, motor clubs and affinity groups across Canada. All meet our criteria for essential benefit coverage for Canadians.

Scroll down the homepage and you can examine their various offerings and even purchase right online.

Agents can answer any of your questions.  We will be adding more providers over the course of the summer and fall. And if you have any further concerns or want further advice, just click on

Ask The Editor on the top blue line and I will deal with your query personally.

In addition, we will be providing you current news and analysis about developments in your vacation destination—Florida, Texas, Arizona, Nevada, California, Hawaii: hometown news about property taxes, real estate purchasing opportunities, civic concerns, cultural and leisure opportunities as well as safety and security advisories. Concerned about oil spill effects on the Gulf Coast, border unrest in Arizona or Texas, tax issues in California, documentation requirements in Cuba?  We’ll keep you posted through our own up-to-date Newsletter service.

And if you sign up to receive our free email news advisory, we’ll deliver the latest news to you on a regular weekly basis—even to your smart phone. Just sign up here: it’s free.

Thanks for being a regular visitor to TIF.

Milan Korcok

Editor & Publisher, TravelinsuranceFile.