This type
of insurance plan provides medical coverage and protection for travelers coming
to Canada who do not have coverage while travelling outside of their home
country or who want extra coverage over their existing plan. In many instances,
people travelling to Canada are not adequately protected for medical
emergencies. This plan can provide protection for medical emergencies,
illnesses, accidents, and help cover the expenses associated with these
unfortunate events.
Coverage’s
range from $25,000, $50,000, or $150,000 (depending on the plan selected) for
emergency medical expenses and can be purchased for up to 365 days of travel.
The plan requires coverage for a minimum of 7 days and travel must begin and
end in Canada; side trips outside of Canada are allowed and coverage may be
provided for that portion of travel, as well.
Purchasing the Visitors to Canada plan prior to coming to Canada is recommended, however, it can be purchased while in Canada. If the plan is purchased after arriving in Canada, there will be no coverage for sickness or illness for a period of 48 hours from the policy start date. Coverage for expenses incurred as a result of an accident is covered as soon as the policy is purchased.
Why purchase Visitors to Canada travel
insurance?
Hospital
bills, prescription drugs, and other medical expenses can add up quickly while
in Canada and being out of pocket for these costs can be a large burden. Having
protection and coverage for these types of unforeseen, but common events, can
provide peace of mind and potentially save travelers thousands of dollars in medical
bills.
The
Visitors to Canada plan includes 24/7 multi-lingual emergency assistance
services available through one toll-free number for immediate help in finding
the nearest hospitals, doctors, clinics, or medical care providers.
Individual and Family Coverage
As
international travelers coming to Canada, protection from possible accidents,
medical emergencies and illnesses is essential – see below for a quick
breakdown of the plans offered for both individuals and families.
Individual Coverage
There are
three coverage options to choose from: $25,000, $50,000 or $150,000 in
emergency medical expenses. The first two coverage options, $25,000 and
$50,000, provide protection for people up to the age of 84, while the $150,000
in coverage is available to travellers up to the age of 74. All three coverage
options can provide protection for up to 365 days and a minimum of 7 days.
Individual coverage is subject to a deductable.
Family Coverage
There are
three coverage options designed for families of 2-7 people where the premium is
calculated based on the two oldest travellers. Coverage options for each family
member range from $25,000, $50,000 to $150,000 in emergency medical expenses.
All family members must be 59 years of age or younger and all three options can
provide protection for up to 365 days and a minimum of 7 days.
Super Visa Program
The
Canadian Government implemented a Super Visa program to help parents and
grandparents of Canadian citizens and permanent residents gain easier access to
visit their families living in Canada.
One of the
requirements during the application process is proof of medical insurance.
Applicants must show proof that they have purchased private medical insurance
coverage from a Canadian insurance provider and it must be valid for at least
365 days with at least $100,000 in medical expense coverage
This information is generic and you should look
at your quote and policy conditions before purchasing.
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