Ensure ho surprises in Store when buying insurance for travel CANADIAN SNOWBIRDS who flock south in winter should shop carefully for travel insurance to avoid getting their wings clipped. There are more than 600,000 Canadians traveiling to Florida each winter and thousands more to other parts of the United States and around the world. -As health costs soar, many are finding it harder and harder to. decide on the insurance that best protects them at a price -they can afford. For an older couple -travel-' ling ovt of Canada for 50 days . or more, for instance, the cost ‘of some emergency. medical insurance premiums has in- creased by more than 375% in _ the past three years. “*It’s important. to shop -, around ‘and look: carefully at what you buy,” says John McKenna, chief operating of- ficer’ of Voyageur Insurance Company, Canada’s largest provider of travel . insurance. “You should compare policies, but don’t just look at the rates. Make sure you get the protec- tion you need, so there will be no surprises.” . To..choose: the right in- ‘surance, travellers should con- * sider how long they'll be away and what sort of protection ~ the want: . Unlimited ‘benefits are a key Currently scheduled consideration, Price is impor- tant, but it's not everything, especially if you discover, too late, that a huge medical bill is not covered. Read the insurance documentation carefully. Check the pre-existing con- dition clause. Most plans won’t cover you for an existing ill- ness. The most generous plans will cover you for all health condi- tions except those that were unstable in the three months prior to your departure. Look for an insurance plan that can refer you to a quality medical facility in an emergency. Some _ insurance companies have made arrange- ments with a medical. service network of accredited hospitals and doctors. The last thing, you want to do in an emergency is to shop through the yellow pages and try to figure out what facility will give you the medical care you should have at a cost you can afford. . Also, if the insurance com- pany pays the medical facility directly, the traveller will avoid having to pay up-front. Some insurance plans pro- vide a toll-free 1-800 telephone number for subscribers that is staffed around the clock- by multilingual, medically trained personnel. ‘ Travel insurance is available from many. sources including your local travel agent. | .C. Ferry sailings. "THE FOLLOWING aire the cur- ‘-rent schedules for BC Ferry Corp. * “routes between .the mainland, Vancouver Island and Langdale: © Horseshoe. Bay (o Nanaimo : and Nanaimo to Horseshoe Bay: ‘In effect until June 23,1994: Leave Horseshoe Bay daily at 7 am... 9 am., I} am., I p.m., 3 p.m., 5 p.m., 7 p.m., and 9 p.m. Leave Nanaimo daily at 7 a.m., - liam.,! pm., 3 p.m., 5_ 9 a.m., p.m., 7 p.m. and9 p.in. @ Horseshoe Bay to Langdale and Langdale to Horseshoe Bay: Effective until June 23, 1994: Leave Horseshoe Bay at 7:30 a.m., 9:30 a.m., 11:30 aum., 1:45 +p.m., 3:30 p.m, 5:30 p.m. 7:25 p.m. and 9:15 p.m. Leave Langdale at 6:20 a.m., 8:30 a.m., 10:30 a.m., 12:25 p.m., 2:30 p.m., 4:30 p.m., 6:30 p.m. and 8:20 p.m. eee @ Horseshoe Bay to Bewen island and Bowen Island to Horseshoe Bay: Effective until further notice: Leave Horseshoe Bay at 605 am., 7 a.m, 8 a.m, 8:55 a.m. (the Thursday sailing will be replaced by a dangerous cargo sailing at which time no passen- gers will be allowed to board), 9:50 a.m., 11:15 a.m., 12:05 p.m., 2:30 p.m., 3:30 p.m., 4:25 p.m., §:25 pam., 6:25 pom, 745 p.m., 8:35 pum., 9:25 pan. Leave Bowen Island at 3:45 a.m. (daily except Sundays and statutory holidays), 6:35 a.m., 7:35 a.m., 8:30 a.m., 9:25 a.m., 10:50 a.m., 14:40 a.m., 12:30 p.m., 3 p.m., 3:55 p.m. Thursday sailing ‘will be replaced by a dangerous cargo sailing at which time no passengers will be allowed to board), 4:50 p.m., 5:50 p-m., 7:20 p.m., 8:10 p.m., 9 p.m., 9:45 p.m. @ Tsawwassen to Swartz Bay and Swartz Bay to Tsawwassen: Ef- fective until further notice:/ Leave Tsawwassen at: 7 a.m.,8 am., 9a.m., ff am., 12 p.m., | p.m., 2 p.m. (Friday and Sunday only), 3 p.m., 4 p.m... 5 pam., 6 p.m. (Friday and Sunday only), 7 p.m. and 9 p.m. Leave Swartz Bay at: 7 a.m., 9 am., 10 am., Hl am., 12 noon (Friday and Sunday only), | p.m., 2 p.m., 3 pam., 4 p.m. (Friday and Sunday only), 5 p.m., 6 p.m. 7 p.m. and 9 p.m. @ Tsawwassen to Nanuimo and Nanaimo to Tsawwassen: In effect unui June 23, 1994: Leave Tsawwassen at §:30 am., 8 am., 10:30 am., J p.m., 3:30 p.m., 6 p.m., 8:30 p.m., J pam, Leave Nanaimo at: 5:30 a.m., 8 am., 10:30 a.m., E p.m, 3:30 pm, 6 pom., 8:30 pam. and 1 pam. {the ; ; ROA LOCKS @ West Vancouver District: Taylor Way: Taylor Way south of Marine Drive will be closed to traffic for road construction. THE FOLLOWING are the Use after- scheduled road closures and detours for the coming week in) Mountain Hwy., Arborlysin Dr., North Vancouver District, City, te Kirkstune Rd.: BC Hydro West Vancouver District and trenching. Expect delays. Flagging along area highways. control. pect delays or detours. native routes if possible. @ North scheduled detours, Vancouver City: No road closures or @ Ministry scheduled detours. of Highways: No road closures or o North Vancouver District: Redwood St., Sowden St., Philip Ave.: Roadwork under way. 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