It is advisable to purchase your insurance policy prior to arriving in Canada to ensure comprehensive coverage from the moment of your arrival. However, if you are already in Canada, we offer plans that can still provide coverage (waiting periods may apply).
What is Visitor To Canada Insurance?
If you’re planning to visit Canada, it’s crucial to protect yourself and your family from unexpected medical costs. Canada’s healthcare system is world-renowned, but it’s designed primarily for its citizens and permanent residents. As a visitor, even a minor medical emergency could result in significant out-of-pocket expenses.
Our Visitor to Canada Insurance ensures you have affordable and reliable protection during your stay. Whether you’re visiting for a week or an entire year, we offer flexible plans to suit your needs.
What does Visitor To Canada Insurance Covers?
Travel & Emergency Benefits
- Emergency air transportation
- Airfare to return home for treatment
- Return of travelling companion
- Return of dependent children
- Repatriation
- Family transportation
- Out-of-pocket expenses
- Child care
- Return of vehicle
- 24-hour accident insurance
- Accidental Death & Dismemberment
- Coverage for side trips
Professional Medical Services
- Physiotherapist
- Chiropractors
- Chiropodists
- Osteopaths
- Podiatrists
- Optometrist
- Acupuncturists
- Pre-existing medical condition coverage
- Optional unstable pre-existing medical condition coverage
- Optional Sports & Activities coverage
Emergency Medical Care
- Emergency medical treatment for in-patient or out-patient care
- Services of physician
- Private duty nursing
- X-rays and laboratory services
- Rental or purchase of essential medical appliances
- Ambulance
- Follow-up visits
- Prescription drugs
- Fracture treatment
- Dental
- Hospital allowance
Flexibility of Visitor to Canada Insurance
Coverage Amount
The coverage amount for Visitor to Canada Insurance typically varies depending on the provider and the plan selected. It starts at $10,000 and can go up to $1,000,000.
Deductibles and Discounts
Deductibles are the amount of money the policyholder agrees to pay out-of-pocket before the insurance coverage begins. They range from $0 to $10,000. Choosing a higher deductible typically results in lower premium costs, but it also means that you will have to cover more expenses yourself in the event of an insurance claim. Higher deductible options may qualify you for discounts of up to 45%.
When selecting a deductible option, it is important to strike a balance between affordability and the level of risk you are comfortable accepting. Consulting with experts, such as Shreeram Bhimsariya, can assist you in making informed decisions that are tailored to your financial situation and needs.
Additionally, you may be eligible for a 5% discount if you obtain insurance coverage for both parents.
Refund Policy
Partial Refunds: In the event that the Visitor decide to return sooner than the period stipulated in the policy, a prorated refund may be issued, provided that no claim has been made on the policy. (Please note that certain insurance providers may charge cancellation fees. Refer to the policy wordings of the respective insurance providers for further details.)
Certain insurance providers offer partial refunds even if a claim has been filed. Please discuss this option with Shreeram Bhimsariya when purchasing the policy.
Pre - Existing Medical Conditions Coverage
By opting for comprehensive Super Visa Insurance with coverage for pre-existing conditions, applicants can travel with confidence, knowing they are protected against unforeseen health-related expenses during their visit to Canada.
Frequently Asked Questions
Please reach us at insurancewithram@gmail.com if you cannot find an answer to your question.
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How soon do I need to buy insurance?
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What if I stay longer than planned?
Certainly! You can extend your coverage by contacting us before your current policy expires. We will assist you in adjusting your policy to align with your new plans.
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What are the advantages of obtaining Visitors to Canada insurance from Canadian insurance companies?
- Canadian insurance companies offer policies specifically designed to meet the needs of visitors to Canada, resulting in a higher likelihood of comprehensive coverage.
- Canadian insurance companies possess a comprehensive understanding of the Canadian healthcare system, enabling them to assist visitors in obtaining medical care when necessary. Furthermore, these companies are subject to government regulation, ensuring adherence to strict standards and guidelines that promote fairness and transparency.
- Canadian insurance companies are renowned for their exceptional customer service, providing prompt and attentive assistance in the event of a claim or any other issue.
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Can I purchase insurance for my family traveling with me?
Indeed, we provide family plans that can accommodate multiple individuals under the same policy, including spouses and dependent children.
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What is the cancellation policy?
If you cancel your trip or leave Canada early, you may be eligible for a partial refund of unused premium. Contact our team for more information.
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Are Side Trips Covered?
A side trip refers to short trips outside of Canada (e.g., to the U.S. or another nearby country) while you are covered by a Visitor to Canada policy
Side trip coverage often applies if the following conditions are met:
- Your primary destination must be Canada, and the majority of your stay must be in Canada.
- The side trip must usually be short-term and it shouldn't exceed 51% of your total trip duration.
- You must return to Canada before your policy expires.
- The trip must start and end in Canada (i.e., you’re not covered if you’re returning to your home country and visiting other countries along the way).