Visitors To Canada

Are you or someone you know planning to stay in Canada? Visitor-to-Canada travel insurance is the product for you.

In Canada, because Canadian healthcare plans don’t cover the medical fees of visitors, travellers must take out a travel insurance policy. While visitors can buy a policy in another country, purchasing insurance from a Canadian insurance company is strongly recommended. These insurers understand the Canadian healthcare system and have the expertise to find the best care for you. Claims are also simplified, because Canadian hospitals know these companies. This means you can avoid paying thousands of dollars and having to wait until you’re back home for reimbursement.

WHAT IS COVERED BY VISITOR-TO-CANADA INSURANCE

Visitor-to-Canada travel insurance covers medical emergencies and hospitalization in Canada. Coverage can range from $10,000 to $300,000 for the duration of your policy.

If a medical emergency strikes while you are visiting in Canada, you can make a simple, toll-free call, day or night, and be connected with a professional who can refer you to a physician, clinic, or hospital to receive appropriate care.

Emergency medical fees coverage includes:

Emergency hospital care

Emergency medical care

Emergency medical transport

Accidental dismemberment or death

Escort expenses

Emergency dental care

Emergency travel home

Repatriation of remains

Claim example

UNDETECTED RENAL ABSCESS

Graciela and her family were visiting from Chile. One day, she started complaining of abdominal pain and nausea. When her temperature ran very high, Graciela’s parents called an ambulance and she was taken to a children’s hospital, where it was discovered that she had a large abscess on her kidney. She was hospitalized for 7 days and her medical treatment included drainage of the abscess under CT fluoroscopy, before being discharged with antibiotics.

Ambulance fees$589.91

Hospital fees$24,749.83

Doctors’ fees$7,120.10

Prescriptions$164.97

Amount paid by the insurance company$32,624.81

WHO THIS INSURANCE IS FOR

Visitors to Canada

Canadians who aren’t covered by government healthcare

People in Canada on a work visa

New immigrants who are waiting to obtain government healthcare

THE DIFFERENCE BETWEEN VISITOR-TO-CANADA INSURANCE AND SUPER VISA INSURANCE

Super visa Insurance is an insurance policy specially designed to respond to the admission criteria of the super visa. The policy total must be at least $100,000 and must cover the policy holder for at least one full year.

Visitor insurance is conventional travel insurance. The number of days and your coverage will depend on the policy you choose.

HOW DOES THIS INSURANCE COMPARE TO INSURANCE FOR INPATRIATES?

Contrary to visitor insurance, which covers only medical emergencies,

inpatriate insurance

coverage is much more complete. In addition to emergency care, this insurance also covers other types of care, such as glasses, psychologists, medication, and vaccines. Inpatriate insurance is ideal for people staying in the country for a determined amount of time. In general, visitor-to-Canada insurance is sufficient for visitors staying for a few days or weeks.

FOR CANADIANS WITHOUT PROVINCIAL COVERAGE

If you are a Canadian citizen and have left your province for a certain amount of time, you may lose your provincial healthcare coverage. If you are in-country for only a short visit, visitor-to-Canada insurance will cover you. However, if you expect to remain in-country, inpatriate insurance may be the better option for you.

If you aren’t sure which product would be best for your situation, speak to one of our agents. They can help you find the right product.

If you plan to visit Canada, make sure you have the right coverage!

Frequently Asked Questions About Travel Insurance

Why is it important to have trip cancellation coverage?

Too many people leave on vacation thinking that nothing serious can happen. Sadly, that long-anticipated trip can suddenly not happen or turn into a nightmare. A divorce, job loss, serious illness, or even the death of a loved one could suddenly interrupt your trip. What would happen if your airline or cruise line went bankrupt? What would you do if your passport and wallet were stolen during your trip? What about cancelled flights, missed connections, lost luggage and acts of terrorism? And what if you suddenly get sick at your destination?That is why it is important to purchase insurance that covers financial losses related to non-refundable expenses, such as prepaid purchases.

Why do I need coverage when I travel?

An accident or emergency can happen anywhere. If you need medical care in another country or in another Canadian province, your government health plan may pay only a portion of the costs. Travel medical insurance starts where these plans end. It provides coverage for unforeseen problems, from a cancelled flight to a serious illness, and even such rare cases as an act of terrorism or the bankruptcy of a supplier. If an illness, accident, or other insured unforeseen circumstances forces travellers to cancel or interrupt their plans, they face two major financial losses: the money invested in non-refundable prepayments and medical expenses that in many instances may not be covered by health plans.

Doesn't my credit card provide coverage for me when I travel?

We recommend that you carefully review the coverage provided by your credit card issuer, as well as any conditions or stipulations before you leave.

Doesn't my government health care plan cover me?

When you travel outside Canada, you leave up to 90% of your government coverage behind. Government plans also typically cover only a limited portion of medical costs once you leave your home province or territory, even if you are still in Canada. Many provincial health plans do not provide payment directly to foreign hospitals. They may have a deductible and/or not cover the cost of emergency medical transportation. Emergency assistance services offered by insurers are there to help direct you to the right hospital and make sure you receive the proper medical care.Your government health coverage does not provide such extensive services 24 hours a day, nor does it provide upfront payment for emergency medical care. In addition, government plans do not guarantee coverage for special care such as air ambulance or emergency dental services.

When should I purchase?

We strongly recommend that you purchase coverage before departure. Although some of our insurers will cover you if you are already on your trip, they may exclude any pre-existing medical conditions, limit the amounts payable on your policy or impose a large deductible.

Can I extend my coverage if I prolong my trip?

You can extend your coverage at any time if you prolong your trip.

Are any events or medical conditions not covered?

Every insurance plan contains restrictions and exclusions. For more information, review the terms and conditions of the products that interest you. You can also contact SecuriGlobe for more detailed information. Feel free to mention any concern when you call us for your quote.

Why buy through Better Travel Insurance?

As a broker, we take the frustration out of buying insurance by comparing 14 leading insurers including Blue Cross, CUMIS, MedGuard, TuGo, Manulife, Royal and Sun Alliance, and MediGlobe. Since protection packages are compared side by side, you get the best price every time. Furthermore, there are no additional administration or hidden fees. We knows that insurance can be intimidating, so in addition to our online quote engine, we also have representatives standing by to take your call, to answer your questions, make recommendations and even confirm your coverage.

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