Can you please explain how you can do the TM30 yourself if the Landlord of your house doesn‘t do it every time you come back after a holiday in another province? Thx
If her travel insurance has a 24h hotline try to call them so they can guarantee payment directly with the hospital. Otherwise she has to pay the whole thing in advance, no matter how either cash or cc.
the only reason is the better exchange rate with Wise nothing else. You still have to pay fees for every transfer with Wise. It up to you to find out if the better exch rate is worth it after deducting fees versus bank to bank with no fees but worse exch rate. I don‘t use Wise because the tranfer from my bank acc to wise takes too long