Signing up for the Mortgage Insurance offered by your bank or mortgage broker may be the worst financial decision you ever make!

SAY NO TO YOUR BANKS MORTGAGE INSURANCE!.. Make sure you watch the disturbing investigation on CBC'S MARKETPLACE to find out why!


“Casey you are definitely the man!  You saved my wife and I over $120 dollars per month for the same exact coverage, just by getting us preferred insurance rates that our last advisor never even mentioned!  I guess it definitely was worth our time to have you review our existing policies!…thanks again for all of your help.”


Dave Degrassi & Jessica Robinson, Mississauga, Ontario


“We had Sunlife Insurance advisor that sold us some insurance and then we never heard from him ever again.  After speaking with Casey he clearly showed us why the type of insurance we had was not benefiting us at all, and had really only benefited the agent who sold it to us.  Thankfully we now have the proper type of insurance that will protect our family when we need it most, and we’re very grateful to have Casey as our financial advisor. It’s very clear that Casey’s always looking out for our best interests before his own, and we would highly recommend him to anyone looking for solid unbiased financial advice!”


Ben & Sheena Poitven, Oakville, Ontario


“Thankfully my wife and I were referred to Casey for a second opinion on our insurance policies.  Not only did he clearly explain all of our available options to us, but he was very patient and didn’t pressure us to buy anything in anyway.  After listening to his recommendations based on our specific situation, Casey was able to give us a much better insurance policy that was not only less expensive but was also for more insurance coverage!  Thanks to Casey’s advice we’re now saving money every month that we will definitely be investing with F1RST CHO1CE as well.  We would highly recommend Casey’s advice for any insurance or other financial planning needs.”


Mark & Magdelena Budisa, Streetsville, Ontario


“My wife and I have been clients for several years now, and in that time, we’ve conducted numerous transactions with both Casey and Wayne from mortgage refinancing to life insurance to managing our investments. These individuals have demonstrated that they have superior knowledge of their respective products and are able to deliver them with exceptional customer service. I have found that this combination is a rarity these days, and as such, I whole heartedly recommend their service to both friends and family with confidence.”


Clifton Sookdeo & Shelly Sharma, Caledon, Ontario


“Honesty, integrity, and professionalism are the three words that come to my mind when I hear Casey’s name. He has provided my clients over the years with the highest level of service and they always thank me for introducing them to him. Casey truly goes above and beyond.”


Deborah Robinson, Real Estate Agent – Royal Lepage


“We’re extremely thankful that we came in contact with Casey otherwise we would have the worst type of insurance coverage available! Our bank really pushed us to sign up for the mortgage insurance they were offering which we thought was a good thing.  If Casey hadn’t helped us to understanding the many disadvantages of the insurance offered through a bank, we still be overpaying for less beneficial coverage that may not have even paid out if we ever needed it!  Thanks again for your advice Casey, and going forward we will definitely be coming to you for our future mortgage, insurance, and other financial advice.”


Renato Silva & Jhenny Rodriguez, Mississauga, Ontario




Having travel health insurance is important because many government-sponsored health plans do not cover healthcare expenses incurred in a foreign country. Employee-sponsored plans typically limit health insurance coverage in a foreign country to include emergency care only, while emergency medical evaluations are not usually covered. Individuals who are vacationing or traveling on business may have significant gaps in their coverage, which makes travel health insurance an attractive solution for many, at a relatively inexpensive cost ($2.00 to $5.00 per day).


Why is Travel Health Insurance Critical?

Getting healthcare in a foreign country is often difficult and confusing. Some hospitals refuse to provide treatment, while others will treat a patient, but will not discharge them until they have received a guarantee of payment. Such guarantees are provided through travel health insurance plans.

Insurance providers, other than travel insurers, do not typically provide guarantees of payment for medical costs incurred in a foreign country, which means that an individual without travel insurance will have to pay in advance for healthcare costs that, in some cases, can be in the tens of thousands of dollars.

In the event of serious illness or injury, it is sometimes necessary for an individual to leave their current destination to seek out higher quality care, or return to their home country where their insurance is accepted. Medical transfers/evacuations can be not only complicated to coordinate, but also expensive. The good news is that most travel insurance companies offer an assistance benefit that provides access to a company that will arrange a medical transfer/evacuation at any time of day or night and on any day of the year.

The assistance benefit that comes with most travel insurance provides assistance to individuals who have encountered legal issues or lost their credit cards or passport.


Types of Travel Insurance Policies to Consider:


Health/Accident Insurance :

This coverage pays for hospital bills and occasionally dental care and prescription drugs. These plans can be obtained for trips ranging from 1 day to 6 months, and are supplemental to other health insurance. Some travel insurance carriers offer coverage for trips of 6 months or longer.


Medical Evacuation :

This coverage is important because emergency evacuations due to illness or injury can cost as much as $50,000 if you are in a remote location.


Trip Cancellation/Interruption :

This coverage is beneficial as there are many reasons why an individual might have to cancel a trip, or cut it short and return home. The majority of the cost of a vacation that is cancelled or interrupted due to particular emergency situations will be covered under this option.


Flight Accident Insurance :

This coverage pays a lump dollar amount in the extremely rare event of the death of an individual due to a plane crash. It is similar to a life insurance policy except that it will only pay if the covered individual is killed in a plane crash. This coverage can often be purchased at airports and is especially valuable to individuals that are married, have children and/or dependents.


Chances are that your trip will unfold without injury, illness or emergency situations, but should such incidents occur while traveling, you would have peace of mind in knowing that your travel health insurance will give you immediate access to necessary medical care and service.



 At F1RST CHO1CE Insurance Solutions were passionate about sharing our knowledge, experience and unbiased opinions with families and individuals that are looking for a trusted advisor to help them with their Travel Insurance options.

ANY QUESTIONS?…Contact a Licensed Insurance Advisor today!