Travelers visiting Canada; tourists; New immigrants (permanent residents, landed immigrants,
newcomers) from any country (Russia, China, Pakistan, Bangladesh,
Iran, India, Ukraine, Moldova, Belarus, Philippines, etc.), who are
awaiting government health insurance plan coverage; Canadian
citizens who are not eligible for a government health insurance
plan; returning Canadians; foreign workers (work permit holders)
can buy this individual or family medical coverage.
When your parents, relatives, friends are going to visit you in Ontario, Alberta, British Columbia,
Manitoba, Saskatchewan, Nova Scotia, or other Canadian provinces,take care of purchasing this
Canadian travel health insurance for your visitors.
Visitors travel medical insurance is available
for visitors over 75, 80, 85, 90 years of age: there is no age limit for this policy.
Hospitals can charge
thousands of dollars per day. If you and your family are not covered
under a Provincial Health Insurance program and do not have private health insurance, you and your family could be
responsible for these medical expenses, which creates a severe financial burden.
WHAT does Medical insurance for Visitors to Canada cover ?
Visitors to Canada Medical
Insurance covers an unexpected, unforeseen sickness or injury that
may happen during your trip in Canada and requires immediate medical
Visitors medical insurance benefits usually include:
- hospitalization and medical
services (inpatient and outpatient) at the time of an emergency,
- diagnostic tests required by a physician,
- use of licensed ambulance services,
- medications prescribed by a physician,
- accidental dental and dental emergency,
- return you home if recommended by your attending physician, and more.
Payment for each benefit is limited to the amount
specified in the policy.
Pre-existing medical conditions
may be covered provided these conditions are stable as
it is defined in the policy.
coverage (Sum Insured)
Insurance companies issue Visitors insurance policies with
Amount of coverage from $10,000 to $300,000. Amount of coverage (or Aggregate Policy Limit or Sum Insured) means the maximum amount the insurance company will pay you
regardless of the number Insured Services received by you.
Period of coverage
You can buy Visitors to Canada insurance for
any number of days up to 365 days. Option for 18 months is also
available. If you need longer coverage, you can reapply as long as
you are eligible for this insurance. You also have an option to buy
medical insurance for two years, if you apply for a
Visitors to Canada insurance plan with the 21st Century Travel.
Deductible: Deductible means the portion of eligible
expenses you must pay from your own pocket
when a claim occurs. The higher deductible,
the less insurance cost: discount may be 5% - 40%
depending on the deductible amount and the plan.
When applying for medical insurance,
you can choose one of deductible options:
$0, $50, $75, $100, $250, $500, $1,000, $3,000, $5,000, $10,000.
Family coverage (for 3 or more family
members) is available with many insurance providers. The premium for
Family coverage is calculated at two times the premium for the
eldest adult. Some insurance companies offer a 5% discount for
coverage for a couple.
Pre-existing medical conditions and other exclusions, conditions, limitations.
A pre-existing medical condition exclusion is one
of the most important exclusions in Visitors insurance policy.
Pre-existing medical condition means a medical condition that exists
before your effective date of insurance. It may be high blood
pressure, diabetes, heart condition, lung disease, etc.
Generally, medical insurance for
Visitors to Canada may include coverage for STABLE
pre-existing medical conditions. It means that the policy pays for
emergency medical expenses relating to a pre-existing condition if
this condition has been STABLE within a stability period before the
effective date of the policy. Stability period may be
90 days, 120 days or
180 days depending on the policy. Basically, STABLE means: there
were no new symptoms, new medications, no alteration in medications and dosage, no
hospitalization, no new treatment or consultation scheduled within
this stability period.
If you have pre-existing medical condition and take medications, please
click here to check whether the policy covers your pre-existing condition. Do
it before purchasing insurance! Call us for consultation!
Some other exclusions:
This policy does not cover:
- regular check-ups and ongoing care;
- any medical condition that
caused your physician to advise you not to travel;
- your routine prenatal care and childbirth;
- high-risk activities and professional sports;
- loss, death or injury that is contributed to
by the abuse of drugs, alcohol or any other intoxicant.
Refer to the policy wording for a full list of exclusions and
limitations of the policy.
WHEN to buy Travel Medical Insurance Visitors to Canada
It is better to buy Visitors to Canada insurance before you arrive
in Canada. If the policy is purchased on or after your arrival date,
a claim waiting period applies to any sickness, which may happen
within 2-7 days after effective date of the policy
(depending on the plan).
are already in Canada and decide to stay longer, you can
extend your coverage before
the expiry date of your existing
coverage. Some conditions may apply. Please refer to the policy wording for details or call us for
HOW you can buy Visitors to Canada insurance?
You can purchase
Visitors to Canada insurance :
The policy wording and confirmation of coverage will be e-mailed
you immediately after your payment is approved. The policy
wording and confirmation make up your travel insurance policy. Additionally, a paper copy of your policy will be mailed you if
Call at 1-877-443-010, 416-493-0101
for details and consultation to make sure that the plan selected
is right for your needs!
If you have any questions
or concerns feel free
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