David Cummings Insurance Services Ltd.
2083 Alma St # 350 V6R 4N6 Vancouver, BC, Canada

Visitors, foreign workers, and students -- link here to the latest news from the Government of Canada https://travel.gc.ca//travel-res/visitors-workers-students

Travelers to Canada must use this ArriveCAN app in order to provide the Government of Canada with your mandatory travel information PRIOR to boarding your flight. Transcript of the video below is available here https://www.canada.ca//publi/services/video/arrivecan.html

If you plan to travel to Canada, will you be allowed entry? Check out this link to the Government of Canada travel restrictions website and find all the details on quarantine requirements, mandatory isolation, and more. https://travel.gc.ca/travel-covid/travel-restrictions

Heading into or out of BC? Here's the link to the latest province-wide restrictions. https://www2.gov.bc.ca//covid-19-provincial-s/restrictions

For the most accurate and timely travel advice and advisories, head to this Government of Canada website. https://travel.gc.ca/travelling/advisories

OFFICES ARE PRIMARILY CLOSED TO VISITORS--but DCIS agents and staff are still here to help you with your health insurance needs!

Our offices will be closed in observance of Remembrance Day, November 11.

Wishing everyone a wonderful Canada Day. DCIS offices will be closed all day Wednesday July 1 for the holiday.

Medical Services Response during COVID-19. Click on link for the latest information from the Province of BC regarding temporary coverage, waivers on wait-periods, changes to enrolment eligibility, etc. Contact us at DCIS if you have questions or concerns. For updates on other provincial medical plans, please visit the specific government website for each province or territory. https://www2.gov.bc.ca//msp/bc-resid/msp-covid-19-response >>UPDATED APRIL 9, 2020

CANADA ISSUES OFFICIAL GLOBAL TRAVEL ADVISORY On March 13, 2020 Global Affairs Canada published the advisory to Avoid non-essential travel outside of Canada until further notice. This new advisory will have significant implications on most travel / health insurance policies across the marketplace. We recommend regularly monitoring government travel advisories (which change daily) at https://travel.gc.ca/travelling/advisories

CHECK YOUR TRAVEL COVERAGE [content source: Jennifer Neary, owner of Once In A Lifetime Travel] Most provincial healthcare plans provide some coverage for residents who temporarily leave the province, although there are healthcare services that some provincial plans don’t cover or only partially cover even within Canada, including hospital-related charges, clinic treatments, and ambulance services.... BEFORE YOU TRAVEL It’s important to check what medical insurance you have before you leave on a trip: There are certain maximum allowances, so you need to really review the terms and conditions of your insurance policies. Ensure you have adequate insurance to protect yourself against unexpected medical emergencies, especially when traveling to other countries. You could be required to pay upfront before any medical services are received. You could have no coverage at all. Depending on what you exactly need in destination, something as simple as a broken arm could cost you $40,000, or worst-case scenario, face the astronomical expense of having a body repatriated back to Canada. WHAT COVERAGE DO YOU ACTUALLY HAVE? There are different places where you may have access to some travel medical insurance. you may have coverage through your employer’s healthcare plans, you may purchase coverage from an insurance broker like DCIS who’s duty of care is to ensure you’re adequately covered for your specific health needs, time and destination. you may also have coverage on your credit card. CREDIT CARDS & TRAVEL INSURANCE If you have or you think you have a travel medical insurance through your credit card, it’s vital to carefully read the policy wording. Every credit card supplier is different. What was covered on one may not be covered on the other. You want to really look at who is covered: Is it just the person who the credit card is issued to? Are there any maximum amounts and deductibles? What about coverage for pre-existing medical conditions, such as prescriptions for high blood pressure? PRE-EXISITING MEDICAL CONDITIONS It’s also important to be aware of any pre-existing conditions that you have, and how those might affect your insurance. There are many different things that would be considered a pre-existing condition. You may expect, for example, that if you’re pregnant and something happens on your trip, you’re covered but that would be considered a pre-existing condition, and depending on your provider, your insurance likely wouldn’t cover it. * * * * * * Since travel is often an expensive venture, before you head out on that road trip, ocean voyage, US visit, or tour overseas, let the licensed professionals at DCIS provide that duty of care to ensure you and your family have that peace of mind. [content source: Jennifer Neary, owner of Once In A Lifetime Travel]