Ms. M was a university student invited to participate in an archaeological dig in South America. It sounded like the trip of a lifetime. She wasn’t sure if she needed insurance, after all she was young and healthy, but the trip organizers recommended that the students all purchase travel insurance. Ms. M arranged hers through CanAM.
It’s fortunate that she did! During the trip Ms. M became ill and needed to be re-routed to the U.S. When she was admitted to a hospital in Florida she was diagnosed with severe pulmonary histoplasmosis, a serious form of infection.
Ms. M spent 11 days in a hospital in Florida before she was able to return to Canada. Her travel insurance policy provided coverage for the following expenses:
- U.S hospital bill – $197,285
- Air Ambulance service bill – $21,500
Mr. C and his wife were enjoying their retirement. Like many Canadians, they escaped winter for a few weeks each January and headed down to Florida.
One night they visited their favourite restaurant. As they waited for their table they sat in the bar and Mr. C enjoyed one glass of wine. Suddenly Mr. C lost his balance and fell off the bar stool injuring himself.
After arriving at the hospital and having tests, it was determined Mr. C had fractured his back in several places. Mr. C wanted to return to Canada but the doctors advised against it warning that he would risk paralysis. As a result he decided to have the surgery in Florida before being repatriated back to Canada by Air Ambulance.
Mr. C’s travel insurance policy with CanAM covered the following expenses:
- U.S hospital bill – $272,738
- Air Ambulance service bill – $21,140
Miss R was enjoying her vacation in the Dominican Republic when she fell at breakfast one morning. The hotel helped her get to a nearby hospital and fortunately no fractures were shown on the X-rays that were done. Miss R was so relieved she hadn’t broken anything. Now in her sixties she didn’t recover like she used to. Miss R was still in quite a bit of pain though and decided to stay at the hospital for one night.
Miss R was glad that she had purchased a travel insurance policy. At only $7.56 per day, it was a fortunate decision because the tests and one night stay in hospital came at a significant expense. She would have had trouble financing the bill herself.
Dominican Republic hospital bill – $14,700
*while some fictitious details have been added to these case studies to keep the details about the client private, these are actual claims experienced by CanAm clients and the expense figures are accurate of the claim experienced by these clients.
"We have recommended Advocate to many of our friends and family and anyone who got a quote also switched companies. Customer service is also excellent and I have and will recommend them again and again."-
"After a car accident, I was treated very well by Advocate's Personal Recovery Coordinator Linda. I am a happy customer and have referred many others to try Advocate as their brokerage of choice."-
"Linda is extremely considerate, compassionate and provides a level of service that is rare in this day and age. She is a true professional and a fantastic representative for the Advocate Group! Thank you for the great service!"-
"I have been with Advocate Insurance since I got my first apartment 26 years ago, and have always had great service. Even though I am no longer in in the Kitchener-Waterloo area I still use them for them for all my insurance needs."-
"We were with the same insurance company for over 20 years, assuming that we were getting the best bang for our buck until we got a quote from Advocate. We saved a considerable amount of money on the insurance and our liability coverage was substantially higher."-
"I was referred to Advocate Insurance by a friend/home caregiver. They were easy to work with and explained everything clearly. They also are great at knowing what kind of daycare insurance I need for running a home daycare. I now recommend Advocate Insurance to everyone I talk to."-
"My husband recently was involved in a 'fender-bender’ and was deemed not at fault. However, our car suffered considerable damage. Advocate Insurance Group handled our claim quickly and to our complete satisfaction. What could have been a difficult situation was stress-free."-
"I consider Advocate my insurance family. I always feel welcome and appreciated whether it be purchasing new insurance, changing existing insurance or simply obtaining clarification on a specific matter."-
"With two children becoming drivers at the same time, Advocate was very patient with all the changes being made. I always tell people to go to Advocate and they've never been disappointed."-
"Advocate has been great for our business. Annual renewal is smooth and easy. Their friendly and personal service is second to none, and their skill set and expertise instills confidence that we are getting the best deal."-
I’ve moved. How do I update my address information?
You can call us at 1-888-278-7584, or submit a contact form here. Depending on the type of policy you have, we may need to ask you additional questions. For example, if you’ve moved we may need to change details on your auto policy (i.e. commuting distances) or update your property policy to reflect the details of your new home. Please remember to keep us up to date on any changes that impact your insurance policy.
How do I know what coverage I need?
There are lots of things to consider. One of the benefits of working with a licensed broker is that they’ll review your needs and walk you through your coverage options. A broker, unlike an agent or direct writer, works with multiple insurance companies so they can shop the market to find the best option for you.
What is a deductible and how does it impact my premium?
In the event of a claim, your deductible is the amount that you pay before your insurance company steps in to pay the remaining costs (subject to the policy coverage and limits). Some people prefer a low deductible while some are comfortable being responsible for a higher deductible, knowing that this may lower their premium slightly. We can provide options to you so you can select what works best for you.
How do I cancel my policy?
What payment options do you offer?
We work with many insurance companies. There are often many payment options that include cheque, credit card and automatic withdrawals, made in one pay, installments or monthly payments. Is there a particular payment plan that works best for you? Please let us know.