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Insurers may not pay if you go to coronavirus hot spots – Vancouver Sun

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Insurers are warning you many have to cover your own hospital costs if you ignore Canadian travel advisories


People watch embarkation preparations being made aboard the Grand Princess cruise ship carrying passengers who have tested positive for coronavirus docked at the Port of Oakland in Oakland, California.


KATE MUNSCH / REUTERS

If you are tempted to take advantage of a cheap flight to COVID-19 hot spots such as Italy or China, you could be paying your own hospital bills if you get sick.

Pacific Blue Cross is warning its clients that that will not be covered for medical expenses related to infectious disease if a travel advisory or health warning for your destination is issued by the Canadian government and publicized before your departure date.

The company advises members to check for government health advisories for their destination.

“If you have or want to purchase travel medical or trip protection insurance or if you are covered under a group travel medical plan, you should be aware of your coverage before you travel,” the company said in a statement.

Canada has issued Level 3 travel advisories for China, Iran and northern Italy to “avoid non-essential travel.” Travelling to a country under a Level 3 or 4 warning typically voids your coverage for medical expenses.

In practice, that means that your medical claims will be honoured as long as there is no Level 3 or 4 advisory for your destination on the effective date of your medical coverage, travel industry insiders say.

A Level 1 travel advisory means exercise normal security precautions, Level 2 advises a high degree of caution. Level 3 advises avoiding non-essential travel, while Level 4 advises Canadians to avoid all travel to the affected region.

Level 1 health notices have been issued for Singapore and Hong Kong, and Level 2 notices are in force for South Korea and Japan.

Confirm the exact terms of your health care and travel coverage with your insurer, as there is considerable variability among companies and policies are changing almost daily in response to the growing crisis.

Canada Life Financial “will continue to assess” claims related to COVID-19, including those that occur during travel to a country with a travel advisory warning.

The company has expedited disability claims related to COVID-19 and is also considering claims from people under quarantine at the direction of a physician, a company official said.

BCAA also will not provide trip cancellation or trip interruption coverage on claims related to COVID-19 on policies purchased after March 5. TuGo will not provide coverage for claims related to COVID-19 on policies purchased on or after March 4.

The Public Health Agency of Canada and Canada’s chief public health officer, Theresa Tam, have also recommended that people “avoid all cruise ship travel.”

Canadians who take a cruise against that advice may not be able to return home on a government-organized repatriation flight, or may have to pay the cost of returning should they become ensnared in a quarantine, the agency said.

If the coronavirus that causes COVID-19 is detected on your ship, you could be subject to quarantine aboard the ship or in a foreign country under local rules. Your access to consular services may also be limited by local authorities.

Ports in India, Malaysia, Doha, Sri Lanka, South Korea, Taiwan and the United Arab Emirates have banned cruise ships outright, while many other countries have banned passengers from China, Iran, Italy and Korea from disembarking.

The cruise warning is not a Level 3 advisory, so there are no insurance implications, yet. It’s effect has been devastating, nonetheless.

“That advisory is the single biggest blow to the industry since this virus became headline news,” said travel agent Claire Newell. “I was surprised because there are hundreds and hundreds of ships in regions that haven’t been affected.”

The onslaught of holiday cancellations has triggered an overhaul of the insurance products being offered to travellers, many of them temporary offers.

“A lot of package tour operators are offering worry-free clauses in their cancellation policies,” she said.  “The industry has been hit very hard and they are trying to spur bookings because people are afraid.”

However, the cancellation windows vary from 30 days before departure to as little as 48 hours. Most allow you to rebook free, but do not offer refunds.

Discounts of up to 75 per cent are available for people willing to book a cruise.

“That’s what is going to get people over their fear, a hell of a good deal,” she said, adding that more than 90 per cent of people who are booking a holiday also buy cancel-for-any-reason insurance.

The COVID-19 epidemic is fuelling demand for “self-driving” holidays and Canadian destinations such as Niagara and the Gaspé, as well as destinations such as Iceland, Scotland and South America, where only a handful of cases are confirmed.

“There is a lot of interest in Peru, which is a great bucket list destination,” said Newell.

rshore@postmedia.com

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Stop Asking Your Interviewer Cliché Questions

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Most job search advice is cookie-cutter. The advice you’re following is almost certainly the same advice other job seekers follow, making you just another candidate following the same script.

In today’s hyper-competitive job market, standing out is critical, a challenge most job seekers struggle with. Instead of relying on generic questions recommended by self-proclaimed career coaches, which often lead to a forgettable interview, ask unique, thought-provoking questions that’ll spark engaging conversations and leave a lasting impression.

English philosopher Francis Bacon once said, “A prudent question is one half of wisdom.”

The questions you ask convey the following:

  • Your level of interest in the company and the role.
  • Contributing to your employer’s success is essential.
  • You desire a cultural fit.

Here are the top four questions experts recommend candidates ask; hence, they’ve become cliché questions you should avoid asking:

  • “What are the key responsibilities of this position?”

Most likely, the job description answers this question. Therefore, asking this question indicates you didn’t read the job description. If you require clarification, ask, “How many outbound calls will I be required to make daily?” “What will be my monthly revenue target?”

  • “What does a typical day look like?”

Although it’s important to understand day-to-day expectations, this question tends to elicit vague responses and rarely leads to a deeper conversation. Don’t focus on what your day will look like; instead, focus on being clear on the results you need to deliver. Nobody I know has ever been fired for not following a “typical day.” However, I know several people who were fired for failing to meet expectations. Before accepting a job offer, ensure you’re capable of meeting the employer’s expectations.

  • “How would you describe the company culture?”

Asking this question screams, “I read somewhere to ask this question.” There are much better ways to research a company’s culture, such as speaking to current and former employees, reading online reviews and news articles. Furthermore, since your interviewer works for the company, they’re presumably comfortable with the culture. Do you expect your interviewer to give you the brutal truth? “Be careful of Craig; get on his bad side, and he’ll make your life miserable.” “Bob is close to retirement. I give him lots of slack, which the rest of the team needs to pick up.”

Truism: No matter how much due diligence you do, only when you start working for the employer will you experience and, therefore, know their culture firsthand.

  • “What opportunities are there for professional development?”

When asked this question, I immediately think the candidate cares more about gaining than contributing, a showstopper. Managing your career is your responsibility, not your employer’s.

Cliché questions don’t impress hiring managers, nor will they differentiate you from your competition. To transform your interaction with your interviewer from a Q&A session into a dynamic discussion, ask unique, insightful questions.

Here are my four go-to questions—I have many moreto accomplish this:

  • “Describe your management style. How will you manage me?”

This question gives your interviewer the opportunity to talk about themselves, which we all love doing. As well, being in sync with my boss is extremely important to me. The management style of who’ll be my boss is a determining factor in whether or not I’ll accept the job.

  • “What is the one thing I should never do that’ll piss you off and possibly damage our working relationship beyond repair?”

This question also allows me to determine whether I and my to-be boss would be in sync. Sometimes I ask, “What are your pet peeves?”

  • “When I join the team, what would be the most important contribution you’d want to see from me in the first six months?”

Setting myself up for failure is the last thing I want. As I mentioned, focus on the results you need to produce and timelines. How realistic are the expectations? It’s never about the question; it’s about what you want to know. It’s important to know whether you’ll be able to meet or even exceed your new boss’s expectations.

  • “If I wanted to sell you on an idea or suggestion, what do you need to know?”

Years ago, a candidate asked me this question. I was impressed he wasn’t looking just to put in time; he was looking for how he could be a contributing employee. Every time I ask this question, it leads to an in-depth discussion.

Other questions I’ve asked:

 

  • “What keeps you up at night?”
  • “If you were to leave this company, who would follow?”
  • “How do you handle an employee making a mistake?”
  • “If you were to give a Ted Talk, what topic would you talk about?”
  • “What are three highly valued skills at [company] that I should master to advance?”
  • “What are the informal expectations of the role?”
  • “What is one misconception people have about you [or the company]?”

 

Your questions reveal a great deal about your motivations, drive to make a meaningful impact on the business, and a chance to morph the questioning into a conversation. Cliché questions don’t lead to meaningful discussions, whereas unique, thought-provoking questions do and, in turn, make you memorable.

_____________________________________________________________________

 

Nick Kossovan, a well-seasoned veteran of the corporate landscape, offers “unsweetened” job search advice. You can send Nick your questions to artoffindingwork@gmail.com.

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Canadian Natural Resources reports $2.27-billion third-quarter profit

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CALGARY – Canadian Natural Resources Ltd. reported a third-quarter profit of $2.27 billion, down from $2.34 billion in the same quarter last year.

The company says the profit amounted to $1.06 per diluted share for the quarter that ended Sept. 30 compared with $1.06 per diluted share a year earlier.

Product sales totalled $10.40 billion, down from $11.76 billion in the same quarter last year.

Daily production for the quarter averaged 1,363,086 barrels of oil equivalent per day, down from 1,393,614 a year ago.

On an adjusted basis, Canadian Natural says it earned 97 cents per diluted share for the quarter, down from an adjusted profit of $1.30 per diluted share in the same quarter last year.

The average analyst estimate had been for a profit of 90 cents per share, according to LSEG Data & Analytics.

This report by The Canadian Press was first published Oct. 31, 2024.

Companies in this story: (TSX:CNQ)

The Canadian Press. All rights reserved.

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Cenovus Energy reports $820M Q3 profit, down from $1.86B a year ago

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CALGARY – Cenovus Energy Inc. reported its third-quarter profit fell compared with a year as its revenue edged lower.

The company says it earned $820 million or 42 cents per diluted share for the quarter ended Sept. 30, down from $1.86 billion or 97 cents per diluted share a year earlier.

Revenue for the quarter totalled $14.25 billion, down from $14.58 billion in the same quarter last year.

Total upstream production in the quarter amounted to 771,300 barrels of oil equivalent per day, down from 797,000 a year earlier.

Total downstream throughput was 642,900 barrels per day compared with 664,300 in the same quarter last year.

On an adjusted basis, Cenovus says its funds flow amounted to $1.05 per diluted share in its latest quarter, down from adjusted funds flow of $1.81 per diluted share a year earlier.

This report by The Canadian Press was first published Oct. 31, 2024.

Companies in this story: (TSX:CVE)

The Canadian Press. All rights reserved.

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