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Strategies for Minimizing Rising Risks to Mobile Apps from Privacy Laws
As mobile apps become more central to customer engagement, they’re also drawing closer scrutiny under global data privacy laws. In this expert-backed article, Antonio Rega, Managing Director at J.S. Held, and Ian Cohen, CEO of LOKKER, outline how businesses can identify hidden privacy risks—particularly those created by third-party SDKs and what steps they can take to stay compliant. What’s covered: • How data minimization and purpose limitation apply to mobile architecture • Real-time consent dilemmas and SDK-related exposure • Transparency gaps in mobile data flows • Upcoming enforcement trends and what they signal for app owners With decades of combined experience in digital forensics, risk, and data governance, Rega and Cohen bring sharp insight into a fast-evolving regulatory landscape. Whether you’re developing, auditing, or overseeing mobile platforms, this article breaks down what’s at stake and how to protect both users and your organization. Looking to connect with Antonio Rega? Click on his profile icon to arrange an interview or get deeper insights into data privacy, risk, and mobile app compliance. For any other media inquiries, contact : Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com.
Immigrants in the United States earn 10.6% less than similarly educated U.S.-born workers, largely because they are concentrated in lower-paying industries, occupations and companies, according to a major new study published July 16 in Nature, co-authored by a University of Massachusetts Amherst sociologist who studies equal opportunity in employment. The research—one of the most comprehensive global comparisons of immigrant labor market integration to date—analyzes linked employer-employee data from over 13 million people across nine advanced economies in Europe and North America. The U.S. results, drawn from a unique combination of Census Bureau, earnings and employer data, reveal that only about one-quarter of the wage gap is due to pay inequality within the same job and company. Instead, the majority stems from structural barriers that limit immigrants’ access to better-paying workplaces. “These findings are important because they show that most of the immigrant wage gap isn’t about being paid less for the same work—it’s about not getting into the highest-paying jobs and firms in the first place,” says Donald Tomaskovic-Devey, professor of sociology and founding director of the Center for Employment Equity at UMass Amherst Key U.S. Findings First-generation immigrants with legal status in the U.S. earn 10.6% less than comparable native-born workers. 3.4%, a third of that gap, is attributable to unequal pay for the same job at the same employer. No data was available on second-generation immigrants in the U.S., but other countries showed persistent but smaller gaps into the next generation. The study suggests that efforts to close immigrant wage gaps should focus on increasing immigrants’ access to better jobs and firms. Promising approaches include: Language and skills training Recognition of foreign credentials Access to professional networks Employer anti-bias interventions “Improving job access is essential,” says co-author Andrew Penner, professor of sociology at the University of California, Irvine. “This means addressing the barriers that keep immigrants out of the highest-paying firms and occupations.” As of 2023, immigrants constituted approximately 14% of the U.S. population, totaling over 47 million people. There are approximately 1 million new long-term permanent residents annually. U.S. immigration policy encompasses diverse pathways, including family-based migration, employment-based visas, the Diversity Visa Lottery and humanitarian protection. Immigration has been a defining feature of the U.S. population since its founding, with distinct waves shaped by economic needs, political developments and global conflicts. “For almost 250 years, we have been a nation of immigrants, and this pay gap indicates that we can do more as a country to help people following the paths of our forebears realize the American dream,” Tomaskovic-Devey adds. Global Comparison The study includes 13.5 million individuals in nine immigrant-receiving countries: the U.S., Canada, France, Germany, Denmark, Netherlands, Norway, Spain and Sweden. The U.S. had one of the smallest pay gaps (10.6%) among the nine countries studied. By contrast, Canada showed a 27.5% gap and Spain a 29.3% gap. The most favorable outcomes for immigrants were in Sweden (7% gap) and Denmark (9.2%). The authors identify two main sources of the immigrant-native pay gap: Sorting—Immigrants are more likely to work in lower-paying industries, occupations and firms. Within-job inequality—In all countries immigrants are paid less than natives doing the same job for the same employer, but these gaps are relatively small. Across the nine countries, three-quarters of the 17.9% average wage gap for immigrants was due to sorting; just one-quarter stemmed from unequal pay within jobs. In the U.S., this pattern was consistent: structural job access—not wage discrimination—was the dominant force. The study also exposes persistent disadvantages for immigrants from certain world regions, including Sub-Saharan Africa, Latin America and the Middle East. Across all countries, immigrants from these regions faced larger wage gaps than immigrants from Western or Asian countries. The international research is the latest in a series of high-profile publications from a team spanning over a dozen countries in North America and Europe that has been investigating the dynamics of workplace earnings distributions for the last decade.
Disaster Reduction: Key Insights for Risk Managers & Corporate Executives
The need for comprehensive disaster risk management has never been more evident. In recent years, major storms, earthquakes, wildfires, tornados, derechos, and other destructive large-scale events have been significant. According to the United Nations Office for Disaster Risk Reduction (UNDRR) 2025 Global Assessment Report, disaster costs now exceed over $2.3 trillion annually when cascading and ecosystem costs are taken into account. What can be done to minimize both the damaging effects and significant costs associated with these types of events? In this article, J.S. Held EHS experts John Dulude and Bill Zoeller examine the critical components of disaster resilience – preparedness, mitigation, and resilience – and delve into the insights that can empower risk managers and corporate executives to safeguard their organizations. What’s covered : • Proactive Disaster Planning and Preparedness • Case Study: Hurricane Hilary 2023 | Western United States • Tailoring Resilience to Geographic Risks • Learning from Disaster for Continuous Improvement The insights shared in this article underscore the critical importance of proactive planning, meticulous preparation, and resilience in the face of inevitable disasters. For media inquiries, contact : Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com
Expert Insights: Navigating Tariffs in a Time of Global Disruption
As global headlines swirl with shifting tariff regulations, U.S. businesses are navigating uncertain waters. With new trade actions impacting industries from automotive to renewable energy, the ripple effects are being felt across supply chains, labor markets, and even insurance models. In this conversation, J.S. Held experts Peter Davis, Timothy Gillihan, Andrea Korney, and Robert Strahle unpack how tariffs are shaping decision-making across industries and where organizations can spot opportunities amid the volatility. Highlights: • Industries most likely to experience tariff impacts • Potential disruptions in manufacturing processes • Supply chain and quality concerns • Expected changes coming in the insurance, reinsurance, and construction markets • The importance of strategic tariff engineering • Guidance for dealing with uncertainty and a rapidly changing business environment Looking to connect with Peter Davis and Andrea Korney? Click on their profile cards to arrange an interview or get deeper insights. For any other media inquiries - contact : Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com
ChristianaCare and Children’s Hospital of Philadelphia (CHOP) today announce a new strategic affiliation to expand access to world-class pediatric care in Delaware and surrounding communities. The collaboration, which is expected to begin in spring 2026, will enhance access to specialized pediatric care by bringing CHOP’s renowned expertise closer to home for families in the communities ChristianaCare serves in Delaware, Maryland, Pennsylvania and New Jersey. By integrating CHOP’s services with ChristianaCare’s established network, the collaboration will improve care delivery, making advanced pediatric treatments more accessible and reducing the need for families to travel long distances for care. A Bold Step Forward in Pediatric Care “This collaboration brings together two amazing organizations that are already nationally recognized for clinical excellence—and we’re going to be even better together,” said Janice E. Nevin, M.D., MPH, president and CEO of ChristianaCare. “Our affiliation with CHOP marks a bold step forward in our mission to provide the highest quality care to children and families across the communities we serve. These are uncertain times for many parents with young children in need of routine or complex medical care. ChristianaCare and CHOP are joining forces to provide world-class care, close to home, at a time when it’s needed most.” “Bringing seamless, family-centered care to our patients is a priority at Children’s Hospital of Philadelphia,” said Madeline Bell, CEO at Children’s Hospital of Philadelphia. “As one of the region’s most dynamic health systems, ChristianaCare has earned a national reputation for its bold approaches to both clinical care and innovation. Our new affiliation is driven by a shared vision: redefining what is possible in health care and ensuring that every patient — at every stage of life — receives the highest standards of care, from infancy through adulthood.” “Our team at ChristianaCare is excited to work closely with Children’s Hospital of Philadelphia to bring even more specialized care to our community,” said Megan Mickley, M.D., chair of Pediatrics at ChristianaCare. “CHOP’s leadership in pediatric medicine will complement the outstanding care already provided at ChristianaCare, ensuring that our youngest patients receive the most advanced treatments in a compassionate and supportive environment.” Initial Focus and Future Growth This affiliation between ChristianaCare and CHOP represents a significant increase in access to world-class pediatric care for communities in Delaware, Maryland, southeast Pennsylvania and southern New Jersey. CHOP, a global leader in pediatric care and research for over 165 years, is consistently ranked among the top children’s hospitals in the country, known for pioneering breakthroughs across a breadth of pediatric care areas. The affiliation will include all ChristianaCare hospitals and locations where pediatric emergency and inpatients are cared for. The collaboration will initially focus on pediatric and neonatal services. Patients at ChristianaCare will have access to CHOP’s expertise in rare and complex diseases and a wide range of newborn and pediatric services, including surgery, cardiology, neurology, radiology, ophthalmology and genetics, as well as educational and research opportunities. As the collaboration grows, it will explore further opportunities to expand pediatric care and improve health care delivery in the region.
Are China's New Policies Opening Up China?
For centuries China has been known as a closed country. When the Ming Dynasty (1368-1644) started enforcing immense cultural and political influence, it acted as a catalyst for China's closed country status. Then the Qing dynasty (1644-1912) made the closed country status official by expanding China's political, cultural and administrative structures. Now after over 600 years, China is announcing they may become more open than they have in past centuries. China is not fully becoming open, but there are two ways China is hoping to re-establish its reputation among other countries. In 2024 China announced they are enabling a temporary visa-free policy, that permits visitors from 43 countries to visit China without visas for short trips lasting only a few days. China installed this policy with hopes of promoting global goodwill and to encourage tourism and business travel. Now in 2025, China says they will implement policies that will promote stable foreign trade growth and improve services for enterprises. While this new policy is just beginning, the visa-free policy will end at the end of 2025. So, while China says they are becoming more open, they mean they are welcoming foreign businesses and investors. They are currently not becoming open religiously, politically, socially or economically. Citizens, even visitors, still remain under strict censorship, surveillance and political control. These policies also don't mean that foreign companies will no longer experience restrictions, forced partnerships with Chinese firms, data rules, and unexpected regulatory pressure. These things will still continue to occur. China is being selective on what these policies entail and how long they will last. Since the COVID lockdowns and now with the real estate crashes and youth unemployment, China has felt its economy slowing. It's their hope that these new policies will help boost China's economy. Economic Perspective: Dr. Jared Pincin is an expert on economics and is available to speak to media regarding China's economy – simply click on his icon or email mweinstein@cedarville.edu to arrange an interview. International Relations Perspective: Dr. Glen Duerr, professor of international studies at Cedarville University and a citizen of the United Kingdom, Canada, and the United States, is a nationally known expert on this subject and is available to speak to on China's new policies. To schedule an interview, email Mark D. Weinstein, executive director of public relations at Cedarville University at mweinstein@cedarville.edu or click on his icon.
DARPA awards VCU $4.875 million for development of modular drug manufacturing platform
The Defense Advanced Research Projects Agency (DARPA) is funding a $13M grant for a Rutgers University and Virginia Commonwealth University (VCU) partnership through the EQUIP-A-Pharma program, with $4.175 million to James Ferri, Ph.D., professor in the Department of Chemical and Life Science Engineering at VCU, to develop a modular manufacturing platform for sterile liquid drug products. The 24-month grant supports Ferri’s project, “Modular Manufacturing of Sterile Liquid Drug Products,” which develops a continuous manufacturing platform capable of producing highly potent drug substances such as albuterol sulfate and bupivacaine hydrochloride. These drug substances are for use in sterile liquid products, where compliance with purity of the active pharmaceutical ingredient (API) and impurity profiles are characterized and controlled in real time throughout the manufacturing process. “This work enables agile continuous manufacturing of drug substance and end-to-end drug product manufacturing of several highly potent drug substances with real time quality control,” Ferri said. “The combination of dynamic modular operation and real-time quality control will increase the supply of critical medicines in the United States.” Drug shortages continue to receive national attention, with albuterol sulfate and bupivacaine hydrochloride both appearing on the U.S. Food and Drug Administration drug shortage list within the past year. The project develops technologies that enable distributed manufacturing approaches to essential medicines currently in shortage in the United States. The platform incorporates several innovative features including continuous flow synthesis for improved process performance, online spectroscopy for real-time quality control, and modular unit operations that can be rapidly configured for different drug products. Key technologies include heterogeneous catalytic flow reactors, in-line purification systems and advanced process analytical technologies. The continuous manufacturing approach offers significant advantages over traditional batch manufacturing, including improved process control, reduced waste and the ability to produce medicines closer to the point of care. The modular design enables rapid deployment and flexible manufacturing of multiple drug products using the same platform. Ferri is collaborating with researchers from Rutgers University on the project, which began in August 2024. The platform is designed to fit within a standard shipping container, enabling distributed manufacturing capabilities. The research directly addresses national security concerns about pharmaceutical supply chain vulnerabilities while advancing the field of continuous pharmaceutical manufacturing. Students involved in the project gain experience in cutting-edge manufacturing technologies that are increasingly important in addressing global health challenges.
The Canadian Housing Market is a Mess
The Social Contract is Broken—And We Forgot to Tell Our Kids There was a time in Canada when the rules seemed straightforward: work hard, stick to the plan, and your kids would have an even better future than you did. That was the unspoken social contract—not legally binding, but deeply believed. A handshake between generations, sealed with maple syrup and mutual optimism. You purchased a modest home, stayed with one employer for 30 years, and retired with a gold watch, a pension, and a house you owned outright. Life wasn’t flashy, but it was fair. And your kids? They would climb even higher. Well… about that! The Housing Market: From Stepping Stone to Stumbling Block Homeownership used to be a rite of passage. Now it feels more like winning The Amazing Race: Toronto Edition. According to Statistics Canada housing data, in 1990, the average Canadian home sold for approximately $215,000. Fast-forward to late 2023–early 2024, and that number has ballooned to around $670,000–$700,000 on average —a more than 200–225% increase in just over three decades. Meanwhile, wages didn’t get the memo. Since 1990, they’ve only doubled. So, while home prices soared, incomes shifted to the kitchen for more instant noodles. It's not just a gap—it’s a canyon. Sure, there was a housing correction in the early ’90s. But if you’re under 40, you’ve never seen a price drop—only stable prices (on a good day). Meanwhile, boomers and older Gen Xers bought homes when down payments didn’t require a GoFundMe page. Boomers Rode the Rocket—Then Pulled Up the Ladder Let’s be honest: we did quite well. If you purchased property in the ’70s, ’80s, or ’90s, you benefited from a wave of equity that transformed retirement into a cruise ship brochure. For many, the house became the largest—and only—source of real wealth. We got used to it. Then we got protective. Then... well, a bit smug. • NIMBYism? Guilty. • Zoning restrictions? Voted yes. • Capital gains reform? Over my arthritic body. • Preferred Pronouns – Me, Myself and I We feared anything that could lower our property values. A 25% correction? Not in my golden years! But that might be what it takes to give our kids a fair shot. We told them to "work hard," then quietly reinforced a game they couldn’t win. We Told Them to Hustle—Then Rigged the Game Today’s young Canadians aren’t lazy; they’re exhausted. They’ve done everything we asked—degrees, careers, even side hustles—and still can’t afford a 500-square-foot shoebox in Toronto without cashing in their RRSPs or moving back into our basements. By the way, they’re doing this—not because they missed us, but because rent is eating up half their paycheque and still asking for dessert. Even worse? Many are looking abroad, not for a gap year, but for an economy in which they can participate—one where they might be able to afford a home and groceries in the same month. If the best and brightest are quietly packing their bags, it’s not wanderlust; it’s a policy failure. There’s now a whole ecosystem catalyzed by everything from consultants to cloud-based software and payment platforms that has aided a global movement of “creative-class” digital nomads. For those who want a more affordable cost of living and have the skills necessary to work remotely, this generation has options to move. In "Intelligent Money," author Chris Skinner envisions a future where AI-powered financial systems won’t just advise against homeownership—they’ll actively discourage it. Why commit to mortgage debt when you can rent flexibly, invest digitally, and maintain liquidity in your life? Not a dream, but a necessity. We told them to pull up their socks. They’re wondering if we sold their shoes. What Happened to Profit Sharing? Remember when companies used to share their success? Microsoft, Google, and yes, still Costco, offered profit-sharing or stock options that turned employees into unexpected millionaires. It wasn’t charity; it was a fair deal. Then gig work emerged, HR departments disappeared, and the only thing we shared was burnout. We need to restore fairness—perhaps even incentivize companies that value loyalty. Renter Equity Accounts: A Radical Concept—Equity You're not building wealth if rent is more than 30% of your income. You’re funding someone else’s retirement. So, here’s a thought: when rent exceeds 30%, why don’t we match the excess—25% to 50%—and deposit it into a locked “Renter Equity Account”? It grows tax-free and can be used for: • A down payment • Retirement savings • Student debt relief • Emergency funds Employers could contribute to REA plans. Governments could provide incentives, and renters could finally receive more than just a rent receipt and a pat on the back. It's Time for Bold, Practical Ideas We can’t rewind to 1990. (Although the fashion world is trying.) But we can fix what’s broken: Let Canadians earn their first $250,000 tax-free, provided it is used for a down payment or to eliminate student loans. That’s helping reduce overall debt. Ensure zoning reform is effective by linking federal infrastructure funding to genuine housing development. Establish public wealth tools - TFSA-style accounts for low-wealth, high-effort Canadians. Forgive student loans for public service, specifically for individuals filling positions such as nurses, teachers, early childhood educators, and tradespeople, with added incentives for those relocating to underserved areas. Invest in them, and they will reinvest in us. What Families Can Do—Right Now No, you can’t rewrite national policy from the kitchen table. (Unless you’re Chrystia Freeland.) But here’s what you can do: Start a down payment fund—consider using a TFSA or an investment account to help your kids build capital. Create an ADU—laneway homes, granny suites, legal basement rentals. Housing and support combined. Access your home equity—HELOCs or reverse mortgages can be lifelines, not luxury options. Create a rent-to-own family plan—turn monthly rent into future equity. Discuss finances—share your successes, warn against mistakes, and share the financial knowledge you’ve gained from hard lessons. An Apology—from the Heart To our kids and to the next generation, we should say we’re sorry. We didn’t plan for this outcome. We assumed the paths we walked would still be open for you, that the same rules would still apply, and that equity would be available to all. We forgot that a contract—even an unspoken one—still needs to be honoured. But it’s not too late. We can speak out. We can share our thoughts. We can change the policies, shift the mindsets, and reopen the doors that have been closed, because the future of this country shouldn’t be something you have to leave to find. Let’s fix this. So, you can stay. And thrive. And lead. Let’s rebuild the contract together. Deal? Don’t Retire … Re-Wire! Sue
School will soon be out for the summer, and many young families are opting to explore the beauty of their own country, travelling to top destinations like Toronto, Vancouver, and Halifax rather than heading south. While many travellers prioritize insurance for international trips, a recent CAA survey found that many people overlook the necessity of travel insurance for domestic travel, often assuming provincial healthcare will have them covered. "Exploring Canada’s breathtaking landscapes is an adventure worth taking, but unexpected travel hiccups don’t stop at the border,” says Susan Postma, regional manager, CAA Manitoba. “Whether it’s a sudden medical emergency or trip disruptions, having the right travel insurance ensures you can focus on making memories." A new national travel survey conducted for CAA reveals that nearly four in ten Canadians (39 per cent) travelled outside their home province without any form of travel insurance during their last trip. Some believed it was unnecessary (45 per cent), others worried about the cost (22 per cent), and 19 per cent took their chances, hoping nothing would go wrong. The reality? Provincial health insurance programs typically cover only basic emergency medical services when travelling in another province. “Many Canadians assume they’re fully protected when travelling within the country, but that’s simply not the case,” says Postma “A minor mishap can become a major expense, whether a broken ankle on a hike or a last-minute interruption.” Here are two unexpected ways travel insurance can help: You break your ankle while hiking on one of Canada’s beautiful nature trails and now need an ambulance or an airlift, crutches, and medication. You’re on vacation but must return unexpectedly because someone at home gets seriously ill. In stressful situations, like when a family member falls ill, it helps to have support when you need it. Trip Cancellation Insurance would cover the flight change fee and help get you back home. According to Orion Travel Insurance, part of the CAA family, the average medical claim cost has risen by 15 per cent annually since 2019, with everything from ear infections to air ambulance services becoming significantly more expensive. Here are ten additional tips to help your trip go smoothly, no matter where you travel. Know the cancellation policies and check limits or restrictions for everything you booked. Make sure you understand any key dates related to cancellations or changes. This includes accommodation, flights, car rentals, tours, and cruises. Check limits or restrictions on credit cards, employee benefits, and pensions to determine if you need additional travel insurance coverage. Make sure all your documentation is in order before you book. It is recommended that passport renewals be completed six months before your planned trip. Your passport should still be valid six months after your travel date, as this is required in several countries. There are varying documentation requirements, so make sure you fully understand what information you need to have ready and in what format. Read up on Government of Canada travel advisories for your destination. Understand the risk level associated with travel to a particular destination by checking the Government of Canada Travel Advice and Advisories website. Individual travel advisories remain on a country-by-country basis. It is important that Ontarians/Manitobans understand the ongoing uncertainty associated with international travel. Speak with your physician to discuss your travel plans. It is important that you speak to your physician to ensure you are up to date with needed travel vaccines and have them prescribe enough medication for the length of your trip. Ensure all the medication you take is packed in your carry-on and in its original bottles with labels intact. Consider purchasing travel insurance at the time of booking your trip. To lock in the best protection, book your travel insurance at the same time you book your trip. Booking Trip Cancellation or Interruption insurance will give you peace of mind that you and your investment are protected. Insurance must be in place before things go wrong for you to benefit from coverage. Get to the airport early. The old standby of being at the airport one hour before takeoff for domestic flights and two hours before international flights no longer apply. CAA recommends arriving at the airport at least two hours before domestic flight departures and at least three for international flights. Stay connected. It is important to have access to trusted, up-to-date information while travelling so you can monitor changing conditions and requirements and adapt accordingly. Bookmark the Global Affairs Canada website before departure and check it regularly while abroad. It is also a good idea to sign up for Registration of Canadians Abroad and stay in touch with a family or friend who knows your travel plans. Find these and more information at caamanitoba.com/travelwise Note emergency contact numbers. Provide your travel agent with contact details while travelling abroad and keep all important phone numbers handy; this includes how to call for help and your travel insurance assistance phone number. It is also a good idea to keep a physical copy of all their reservation information and leave those details with a friend or family member. Protect your ID. Ensure you have a digital and paper version of your Travel insurance wallet card, tickets to various events and attractions, and even your passport. You may also want to leave a copy of the necessary paperwork with family members or friends. Pack your carry-on wisely. Include the most important items, such as your passport/ID, boarding pass, travel itinerary, wallet, phone, charger, medications, toiletries, glasses/contacts, noise-canceling headphones, book/e-reader, snacks, empty water bottle, travel pillow, change of clothes, sweater, socks, pen, and reusable bags, in your carry-on bag. For more information on travel insurance and how to stay protected, visit caamanitoba.com/travelwise Based on the sample size of n=2,005 and with a confidence level of 95%, the margin of error for this research is +/- 2%.)
School will soon be out for the summer, and many young families are opting to explore the beauty of their own country travelling to top destinations like Vancouver, Calgary and Halifax rather than heading south. While many travellers prioritize insurance for international trips, a recent CAA survey found that many people overlook the necessity of travel insurance for domestic travel, often assuming provincial healthcare will have them covered. "Exploring Canada’s breathtaking landscapes is an adventure worth taking, but unexpected travel hiccups don’t stop at the border,” says Kaitlynn Furse, Director Corporate Communications, CAA SCO. “Whether it’s a sudden medical emergency or trip disruptions, having the right travel insurance ensures you can focus on making memories." The national travel survey conducted for CAA reveals that four in ten Ontarians (41 per cent) travelled outside their home province without travel insurance during their last trip. Some believed it was unnecessary (43 per cent), others worried about the cost (24 per cent), and 20 per cent took their chances, hoping nothing would go wrong. “Many Canadians assume they’re fully protected when travelling within the country, but that’s simply not the case,” adds Furse. A minor mishap can become a major expense, whether a broken ankle on a hike or a last-minute interruption.” Here are two unexpected ways travel insurance can help: You break your ankle while hiking on one of Canada’s beautiful nature trails and now need an ambulance or an airlift, crutches, and medication. You’re on vacation but must return unexpectedly because someone at home gets seriously ill. In stressful situations, like when a family member falls ill, it helps to have support when you need it. Trip Cancellation Insurance would cover the flight change fee and help get you back home. According to Orion Travel Insurance, part of the CAA family, the average medical claim cost has risen by 15 per cent annually since 2019, with everything from ear infections to air ambulance services becoming significantly more expensive. Here are ten additional tips to help your trip go smoothly, no matter where you travel. Know the cancellation policies and check limits or restrictions for everything you booked. Make sure you understand any key dates related to cancellations or changes. This includes accommodation, flights, car rentals, tours, and cruises. Check limits or restrictions on credit cards, employee benefits, and pensions to determine if you need additional travel insurance coverage. Make sure all your documentation is in order before you book. It is recommended that passport renewals be completed six months before your planned trip. Your passport should still be valid six months after your travel date, as this is required in several countries. There are varying documentation requirements, so make sure you fully understand what information you need to have ready and in what format. Read up on Government of Canada travel advisories for your destination. Understand the risk level associated with travel to a particular destination by checking the Government of Canada Travel Advice and Advisories website. Individual travel advisories remain on a country-by-country basis. It is important that Ontarians/Manitobans understand the ongoing uncertainty associated with international travel. Speak with your physician to discuss your travel plans. It is important that you speak to your physician to ensure you are up to date with needed travel vaccines and have them prescribe enough medication for the length of your trip. Ensure all the medication you take is packed in your carry-on and in its original bottles with labels intact. Consider purchasing travel insurance at the time of booking your trip. To lock in the best protection, book your travel insurance at the same time you book your trip. Booking Trip Cancellation or Interruption insurance will give you peace of mind that you and your investment are protected. Insurance must be in place before things go wrong for you to benefit from coverage. Get to the airport early. The old standby of being at the airport one hour before takeoff for domestic flights and two hours before international flights no longer apply. CAA recommends arriving at the airport at least two hours before domestic flight departures and at least three for international flights. Stay connected. It is important to have access to trusted, up-to-date information while travelling so you can monitor changing conditions and requirements and adapt accordingly. Bookmark the Global Affairs Canada website prior to departure and check it regularly while abroad. It is also a good idea to sign up for Registration of Canadians Abroad and stay in touch with a family or friend who has knowledge of your travel plans. Find these and more information at caasco.com/travelwise Note emergency contact numbers. Provide your travel agent with contact details while travelling abroad and keep all important phone numbers handy; this includes how to call for help and your travel insurance assistance phone number. It is also a good idea to keep a physical copy of all their reservation information and leave those details with a friend or family. Protect your ID. Ensure you have a digital and paper version of your Travel insurance wallet card, tickets to various events and attractions, and even your passport. You may also want to leave a copy of important paperwork with family members or friends. Pack your carry-on wisely. Place the most important items like passport/ID, boarding pass, travel itinerary, wallet, phone, charger, medications, toiletries, glasses/contacts, noise-canceling headphones, book/e-reader, snacks, empty water bottle, travel pillow, change of clothes, sweater, socks, pen, and reusable bags in your carry-on bag. For more information on travel insurance and how to stay protected, visit caasco.com/travelwise Based on the sample size of n=2,005 and with a confidence level of 95%, the margin of error for this research is +/- 2%.)
