International Group Insurance Products with Full Description:

Who helps you today to navigate international risk management and global benefits for expatriates, TCNs, foreign nationals and global travelers?

The 3 most important reasons to team with us for international group insurance needs are outlined below:

There is no cost to have McKinley International on "retainer" and we share advice with clients every day with no consulting fees.

If you employ expatriates and other international assignees, you never know what may cross your desk and you need a partner that can navigate ANY issue that may come your way.

Your current broker or consultant may lack international experience (99% do), and there is no conflict because we do NO U.S. domestic benefits.

For an in depth review of these international group insurance topics, please review each of the 4 white papers below:

Expatriate Insurance Canada and International Insurance Issues for Canadian Expats Abroad

You need expatriate insurance in Canada, for Americans and employees of other nationalities you have working there, and / or you have Canadian nationals working in other parts of the world as expatriates.

We will discuss the issues that are unique to expatriate insurance in Canada. As you may know, each Canadian province has It’s own national health insurance plan (government sponsored healthcare) known as provincial health insurance. The medical plan in Ontario is called O.H.I.P for example.

Expatriate Group Insurance

Although some expatriates that are localized to Canada and expect to live in Canada over 3 years may take steps to become enrolled in the provincial health insurance programs, most expatriates in Canada that will not stay longer than 5 years will need and expect expatriate health insurance in Canada (a dedicated expat program.)

Canadian provincial health insurance is good but U.S. expatriates will often return to the U.S. or their spouse or children may spend several months a year in the U.S. Provincial healthcare, and even private medical insurance will not provide coverage to a U.S. national that spends a considerable amount of time back in the U.S.

Like any government health insurance scheme, whether there is a supporting private medical plan or not, these plans were not meant to meet the global mobility needs of expatriates and their families.

Even if I am not going to use provincial health insurance for my expatriate insurance in Canada, what does the system provide local nationals? The government national insurance programs will provide basic healthcare coverage for all Canadian citizens covering everything but the following which is often provided by private insurance arranged by the employer: prescription drugs, dental, certain other medical expenses excluded by Canadian provincial healthcare, life insurance, and disability insurance. Again, the list here describes what Canadian employers will provide their employees in what is called a top up medical insurance program (an insurance plan that wraps around and supports what the government provides).

Canadian expatriate group health insurance for Canadians living abroad or in the U.S.

Canadian nationals working on expatriate assignment outside of Canada (and outside the U.S.) are extended expatriate group health insurance just like any expatriate group.  However, there are several Canadian expatriate insurance companies that provide strong coverage and cater to the Canadian expatriate.  They are not forced to use dominate U.S. players like CIGNA International and AETNA Global Benefits. .

Canadian expatriates working in the U.S. is a trickier subject. The key question is, when to localize and enroll them in the U.S. domestic medical insurance program. For years, the large U.S. expatriate insurance companies where not very good at providing benefits to foreign nationals working in the U.S. via inpat insurance plans, but they have been getting better in the last few years. Here is a list of the potential issues and problems we discuss with clients:

  1. Where is the Canadian family, with the employee in the U.S. or back in the Canada, or in what country in what proportion.
  2. How long will the Canadian national work in the United States?
  3. What state is the Canadian national employed and what international group insurance (or domestic) is available in that State.
  4. Are there other expatriates anywhere in the world where the Canadian group in the U.S. can be combined?

Expatriate Insurance Canada Needs Chart (1 to 10 with 10 being a critical need) Looks at the need for expatriate insurance vs. what can be obtained in the local market or what many not even be needed for an expatriate assignment in Canada.

Expatriate Medical Insurance in Canada a necessity? 9
International Medical Evacuation in Canada (with assistance) 2
Expatriate Life Insurance in Canada 8
Expatriate Disability Insurance in Canada 8
Cross Cultural Training in Canada for U.S. expats 2
International EAP in Canada for U.S. expats in Canada 2
International Workers Compensation Insurance Canada 9
Expatriate Property Insurance in Canada 9
Expatriate Liability Insurance in Canada 9
Kidnap and Ransom Insurance Canada 3
Emergency Security Planning / Evacuation Plan 3
Local Admitted Coverage Needed for Expatriates residing in Canada No
Place Canada Nationals under an offshore or U.S. expat plan For some lines**
Canada health insurance works for local nationals of Canada in the United States No
Repatriation of Remains Canada for Expatriates (insurance to return remains) 4

* An expatriate looking to relocate to Canada for over 3 years could consider applying for Canadian provincial healthcare in lieu of an expatriate medical insurance plan in Canada but if the expatriate or the expatriate's family will travel back and forth to the United States, this is not recommended because Canadian plans do not work in the U.S.

**The Provinces of British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Québec and Newfoundland and Labrador, and the Yukon, North West and Nunavut Territories do not restrict non-admitted business. The Provinces of New Brunswick, Nova Scotia, and Prince Edward Island permit non-admitted insurers to only insure certain lines of business. As examples, in Ontario, Section 10(1) R.R.O. 1990, Regulation 991 of the Registered Insurance Brokers Act and in New Brunswick, Section 355(1)-(4) Insurance Act, R.S.N.B. 1973, c. I-12Insurance Act, R.S.N.B. 1973, c. I-12 both place the onus of the collection and remittance of premium tax for non-admitted coverage on the insurance broker.

Regulation 991 of the Registered Insurance Brokers Act and in New Brunswick, Section 355(1)-(4) Insurance Act, R.S.N.B. 1973, c. I-12Insurance Act, R.S.N.B. 1973, c. I-12 both place the onus of the collection and remittance of premium tax for non-admitted coverage on the insurance broker. Section 396 of the Ontario Insurance Act provides that a broker is personally liable to insureds on all contracts of insurance unlawfully made by or through the broker with a non-admitted insurer in the same manner as if the agent or broker were the insurer. Similar provisions are found throughout the various provincial insurance acts.

In Canada, 7 out of 10 provinces and all Canadian territories do not restrict non-admitted business, while three provinces permit non-admitted insurance only on specific lines. The burden of collecting and remitting the premium tax for the non-admitted and non licensed coverage initially falls on the Canadian broker. However, depending on the province (like Quebec for example), the insured is ultimately liable for both the provincial tax on the premium and any tax applied under Canadian law for the non-admitted placement. Also, if procedures outlined in various Canadian provincial laws are not followed, the insurance broker may be ultimately responsible for any claims not paid by the non-admitted insurer. In addition, for certain lines of business, the insured is required to use a Canadian-authorized international insurance broker to place such risks with an unauthorized insurer, as well as to collect and remit the appropriate provincial and federal taxes and fees. Otherwise, such placement may be illegal.