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Visitor to Canada Insurance
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In Canada, medical services are quite expensive and no provincial or territorial insurance covers tourists. You have to pay medical related expenses by yourself and that can be quite heavy on your pocket. Canadian residents and permanent citizens are covered by provincial insurance and they do not have to pay for their medical bills.
Do You Know?
‘The average cost of hospitalization in Canada is $7000/- per patient.’
To save visitors from any big financial burden Visitor Insurance is provided by Canadian insurance companies. You can buy visitor insurance that is available with different coverage and different premiums.
The domestic insurance you have mostly do not cover medical expenses outside your native country. The cost of medical services is considered high in Canada as compared to other countries. Therefore, if you have to bear expenses on your own then it can impact your financial and mental health.
Why Visitor Insurance?
- Visitor Insurance ensures that remain financially secured in case you fall sick or meet any accident during your Canada trip.
- The insurance provides coverage for different medical conditions.
- The insurance makes sure you focus on your health and recovery rather than taking the stress of paying bills.
Eligibility Criteria
- Individuals travelling on Visitor Visa or Super Visa.
- Foreigners coming to Canada for professional reasons.
- International Students coming to Canada for education.
- Immigrants are not covered under any Provincial or Territorial insurance provided by the Canadian government.
- A Canadian resident who is coming back to Canada and has his/her Government Health Insurance Plan (GHIP) on hold or yet not covered under GHIP.
Benefits Of Having Visitor Insurance
- Coverage for medical or accidental emergencies.
- Ambulance service.
- Emergency hospitalization.
- 24x7 access to medical services.
- Dental emergencies are covered.
- Doctors’ charges for follow-up visits.
- Cost of prescribed medicine.
- Pre-medical conditions are covered depending on the plan you opt for.
- Maximum coverage available up to $1,000,000.
- Cost of air evacuation or emergency transportation in case of medical emergency is covered.
- If you and your partner need to stay in Canada for a longer period because of a medical emergency then expenditure on accommodation, food etc. will be covered.
- Coverage for accidental deaths and dismemberment is also there depending upon the terms and conditions of the purchased policy.
- COVID-19 expenses can also be covered depending upon the terms of the policy purchased.
Types of Visitor Insurance Plan Available
1. Basic Plans: Basic medical services like prescribed medication, hospitalization, dental services and repatriation are covered under the basic plan. The basic plan does not provide coverage for any pre-existing medical condition. Plans are best for those visitors who have good health, do not have to take any prescribed medicine daily and are looking for pocket friendly.
2. Enhanced Plans: The coverage offered for basic medical services is higher than that offered by the basic plan. The enhanced plan provides coverage if you have a stable pre-existing medical condition. Premium is higher as compared to the basic plan and is suitable for those visitors who want to get additional and improved benefits.
Factors Impacting Visitor Insurance Premium
There are certain factors on which the premium of visitor insurance is calculated. They are
- Applicant’s Age
- Medical History
- Duration of Policy
- Coverage You Require
- Deductible Option Selected
- Plan Type Selected
Tips to Follow
- Make sure you buy sufficient coverage depending upon your health condition and lifestyle.
- Your coverage must match the type of trip you are planning to take.
- Make sure to buy an insurance policy from a reputed and trusted insurance broker.
While planning a trip to Canada, you must consider appropriate coverage that will benefit you during your trip. If you choose inappropriate coverage, it will not help you in your time of need. There is additional coverage available that you can take depending upon your trip and medical requirements like Sports coverage if you are going for an adventurous trip.
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