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Visitor to Canada

The visitors to Canada insurance plan is designed to offer any emergency medical coverage to visitors, immigrants, foreign students, and even Canadians without any government health insurance. With visitor to Canada insurance, costs of any ambulance, diagnostic services, hospitalization, and much more are all covered.

Features of Visitor to Canada Insurance:

Emergency Medical Expenses:

  • With this insurance, any medical cost due to illness or accident are covered. This includes in-patient, out-patient, medical aid, therapies, as well as diagnostic tests.

Emergency Medical Evacuation:

  • If a medical illness of injury is endured and there is a need to evacuate to the home country of an individual, then it’s covered up to the medical sum insured.

Repatriation of Remains:

  • In case of the death of the insured overseas, then the cost of repatriating the remains back to the individual’s home country or any funeral expenses will be covered.

Emergency Dental Expenses:

  • Acute anesthetic treatment of natural teeth will be covered.

Hospital Expenses:

  • In the event of hospitalization due to any sickness or accident, a daily allowance is payed.

Accidental Death and Permanent Total Disability Common Carrier:

  • With accidental death and permanent total disability common carrier, the company will pay the sum insured specified in both the schedule and the personal accident section, if the insured sustain any sort of accidental injury throughout the journey when travelling in a common carrier such as a railway, or even an airplane, and these injuries result in death or permanent total disability.

Super Visa Insurance

Recently, a new type of insurance called parent and grandparent super visa was introduced. However, currently, visitors are only allowed to stay 6 months at a time, or they have the option of paying extra fees and applying for an extension if they wish to stay longer. But, with this new type of super visa, visitors will have to pay less fees without the huge hassle of renewing the visiting visa, as well as paying extra money. The super visa is basically a multiple entry visa, valid for up to ten years.

Determine Your Eligibility

When you are looking to obtain a super visa, one of the major requirements is to have insurance. Potential super visa applicants must have proof that they have purchased medical insurance for a minimum of 1 year, as well as provides $100 000 in coverage from any Canadian insurance company.

In addition to this major requirement, other requirements in order to be able to get a super visa include:

  • To be a parent or a grandparent of either a Canadian citizen or a permanent resident of Canada
    • Proof of this by providing a signed letter from the child or grandchild that invites you. This letter should include the following:
      • Promise of financial support for the duration of your visit
      • The number as well as the list of people in the household of this individual
      • A copy of the individual’s Canadian citizenship or permanent residence document
    • You must have medical insurance from a Canadian insurance company that is valid for at least a year from entry date, as well as have at least $100 000 for coverage.
      • You must have proof that the medical insurance has been paid for (QUOTES ARE NOT CONSIDERED AS PROOF)

Monthly Plan for Super Visa Insurance

What if you want to invite you loved ones to visit you in Canada, but you just don’t have the money to pay for the super visa insurance all at once? Well then, the monthly plan for super visa insurance is definitely the choice for you!

When purchasing super visa insurance, clients will only be able to pay a deposit towards the total premium. If it happens that the super visa was purchased before the client’s arrival to Canada, then the client will be responsible to notify the insurance company of the exact arrival date, so the policy can be activated, and regular monthly payments can begin from the effective date.

NOTE:

  • If a client return to their country of origin before the one-year period is up, then the monthly billing will stop, so long as any proof of departure is provided.
  • If the super visa is refused by CIC, then the client will receive a refund only for their deposit. Admin fees will not be refunded.

Overhead Expense Insurance

Canadian Studying Outside Canada

What are the Benefits of the Student Plan?

With the student plan, benefits include:

  • Emergency treatment (medical or dental)
  • Prescription drug reimbursement
  • Annual medical check-ups
  • Maternity expenses
  • Psychiatrist services
  • Chiropractor services
  • Physiotherapist
  • Eye examinations
  • Accidental death and dismemberment insurance

What Are My Coverage Options?

This insurance can be purchased as a single trip policy.

Am I Eligible?

In order to be eligible for the student plan:

  • You must be enrolled in a Canadian school as an inbound student
  • You must be enrolled in a school outside of Canada as an outbound student
  • You cannot be travelling against a physician’s instruction
  • You can’t have been diagnosed with a terminal condition

International Student Studying in Canada

When you’re an international student in Canada, you must have health insurance. Due to how medical coverage varies from province to province, international students aren’t covered under provincial health care plans in some provinces. In fact, students must arrange for their own private health insurance coverage. Health care costs if you aren’t a Canadian resident or citizen can be extremely high. If an emergency were to occur, hospitals could charge you thousands of dollars a day, as well as possibly a non-resident fee. That’s why the international student insurance exists. With international student insurance, you can protect yourself from these unexpected expenses while you are studying in Canada.

Travel Insurance for Canadians

With travel insurance for Canadians, Canadian citizens, as well as permanent and temporary residents, are provided with a solution to cover their medical and optional non-medical emergency expenses when travelling abroad, or even to different provinces in Canada. This can come in quite useful as your government health insurance plan will not be able to be used outside of your province of residence.

Eligibility Requirements

Canadian residents are insured under their provincial healthcare plans, however, these plans only cover a small amount of medical expenses outside of Canada. Furthermore, your provincial healthcare plan may only be limited to coverage only if you’re travelling to another province, and it’s possible that even the smallest of injuries can bring a significant setback to your budget. So, if you’re planning on going away, anywhere outside of your province, travel health insurance for Canadians will provide you with an easy an affordable solution to protect you from the costs of potential medical injuries.

In order to be eligible for all-inclusive travel insurance, the following must apply to you:

  • You must be a Canadian resident
  • You must currently be enrolled in the provincial health insurance plan
  • Based on the Canadian insurance company, there could be other specific conditions in order for you to qualify

With all-inclusive travel insurance, you are provided with a coverage that comes together in a package, all at affordable rates. From medical emergencies, missed flights, to even luggage loss, there really isn’t anything this insurance doesn’t cover.

The following is a list of the thigs all-inclusive insurance covers:

  • Emergency Medical Expenses
    • This insurance covers unexpected emergency medical expenses, that could occur due to injury, illness, emergency dental treatment, or even hospitalization
  • Emergency Evacuation & Repatriation
    • All-inclusive insurance covers required evacuation due to injury, or any medical emergency while travelling.
  • Trip Cancellation
    • Coverage begins from the day your insurance policy is purchased until the day you leave on your trip. So, if you for any reason have to cancel your trip during this time, it’s covered under the policy.
  • Trip Interruption & Trip Delay
    • Coverage begins from the day you leave for your trip up to the day you return. So, if your trip is unexpectedly interrupted or delayed, it will be covered.
  • Lost, Damaged or Delayed Luggage
    • If your luggage is lost, damaged, or delayed when you’re on your trip, it will be covered under the policy.
  • Non-Medical Coverage
    • This travel insurance will provide you with a peace of mind while on your trip, as it will cover any necessary medical expenses for emergency medical care.

Trip Plans

Single-Trip Plans

If you are an individual that only travels occasionally, there is an option of single-trip insurance plans. This plan includes the coverage of medical emergencies, trip cancellation, trip interruption, and various other non-health emergency coverage options.

Multi-Trip Plans

 If you travel frequently, let’s say you take two or more trips per year, you can choose the option of multi-trip plans, which allows ease, convenience and savings, with a one-time purchase of this travel insurance policy, that allows you to take an unlimited number of trips through the duration of 365 days. You can select coverage for either 4, 10, 18, or even 30 days per every trip outside of Canada.

Accidental Death Insurance

People know that accidents happen, but they don’t think that one will ever come upon them. However, the reality is, that we don’t know when something can happen. If you ever happen to be a part of a fatal accident or an accident that leaves you disabled, it could put a huge financial burden on your family, especially if they depend on you and your income to sustain their day-to-day lives. However, with the accidental death trip plan, you can protect your family’s financial future, and free them of the financial burden if anything were to happen to you.

What Is Accidental Death Insurance?

Accidental death insurance provides a single-payment sum to all of your beneficiaries if you were to die or become severely disabled due to any sort of accident. The benefit can be used to pay for possible funeral costs as well as pay off debt or loans, along with any medical or other end-of-life expenses brought up.

Why Should You Invest in Accidental Death Insurance?

The reality is, we really don’t know what’s going to happen next. Accidents can occur at any time, and accidental death insurance is probably something you should invest in as soon as possible. With accidental death insurance, you are securing your family’s financial future, making this insurance a smart investment.

Sure, other plans can cover your funeral as well as end-of-life expenses, but they won’t provide benefits if you were to survive the accident and become severely disabled. With accidental death insurance, you can protect your loved ones, and make sure they have a burden-free financial future.

For more information on travel insurance, please contact us and we’d be happy to help you decide which insurance is right for you.

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