Frequently Asked Questions


Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.

Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.

You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Most of the companies provide coverage till age 89, however, special quotes can be arranged if you are looking for a higher age.

All Supervisa holder needs to have 1-year valid coverage from Canadian Insurance companies from the arrival date in Canada. Immigration officers can ask for the proof of it, it’s better to have the confirmation handy.

You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

You can contact us to change the dates of coverage before the original effective dates.

If you are travelling to Canada with a Super Visa, you must purchase a one-year policy in order to be eligible. Once you have returned home, you can apply for a partial refund (with proof of your early return, provided you have no claims on file). Most insurers will charge a small fee for this, usually $25.

All the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.

According to IRCC (Canadian Immigration) recommends a minimum of $100,000 Medical Insurance coverage since hospital costs for Canadian visitors can cost up to $7,000 daily.

We recommended that visitors purchase emergency medical insurance before arriving in Canada. Most insurance companies do not cover expenses a minimum of 48 hours or up to 8 days (if you buy a policy after the arrival date).

A deductible represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to compensate for covered costs. For example, suppose you purchase a $50 deductible plan and incur $200 of expenses. In that case, the insurance company will begin to reimburse for expenses after paying the first $50 of your medical bills.
There are two different kinds of deductibles: Per-claim and Per-policy period.

A per-claim deductible means that the insured individual must pay a new deductible for every incident. For example, The insured was once injured and once had the flu; he must pay the deductible once for the injury and then a second time for the flu treatment.

A per-policy period deductible is when the insured individual must pay the deductible only once during the insurance policy’s entire duration. If your plan has a $100 deductible, the insured individual pays the first $100 of all the expenses, and then the insurance company pays anything incurred after that. As the deductible becomes higher, the premium becomes lower and the same vice versa.

A description of pre-existing conditions is any injury, sickness, or medical condition that the insured consulted a doctor for, has symptoms, has been hospitalized or was prescribed medications within a certain period before the effective coverage date. Every insurance company treats pre-existing conditions differently, and this is a significant reason for declined medical claims. The lookback period may vary from 3 months to a lifetime. Please, go through the exclusion section in the insurance policy wordings for the exact definition and better understandings.

There are particular visitor’s medical insurance plans in which coverage for stable pre-existing conditions is possible. Please call our customer service at 289 640 8400 for better understandings.

Yes, you can buy emergency medical insurance as long as you meet the stability period. When you decide to buy a policy that includes pre-existing conditions, the policy covers new injuries or new sicknesses. Recent injury or illness that is not related to your existing medical conditions.

A few insurance companies cover people if their medical conditions are under control and stable for a certain period (90 days to 180 days) before the arrival date. Insurance companies do not consider medical conditions “stable” if a simple change in routine medication or the addition of new medicines is issued. Policy definitions are crucial, and the requirements vary depending on the age of the insured. It is up to each policyholder to make sure they qualify. A few insurance companies can underwrite and provide personalized quotes for clients with pre-existing medical conditions.

Even medical policies that include pre-existing conditions do not reimburse expenses to maintain the state of the pre-existing medical condition. Nonetheless, the emergency medical insurance policy will cover complications that require medical attention, death from that pre-existing condition and hospitalization.

Be straightforward and tell all details related to your pre-existing medical conditions. If you have a $30,000 to $80,000 claim after suffering a Strock in Canada, the insurance company will likely dig into your medical history.

Please, call our customer Care.

It is not a requirement for medical tests when buying any Visitors to Canada emergency medical Insurance plan. You can buy the policies online at any time and get coverage starting the following day.

An extension is an option on most visitors’ insurance policies. You can call your insurance company or contact us before the current policy’s expiration. The insured person must be in good health and not have any pending or ongoing claims. The biggest drawback of extensions is that if the insured person(s) has symptoms or visited a hospital or a walk-in clinic during the previous policy period, this could be treated as a pre-existing medical condition for the new policy be excluded in the extension of the coverage.

– Canadians who have returned to Canada are not covered under a provincial medical plan.

– Visitor’s to Canada who is here on vacation or business.

– New Immigrants to Canada who are waiting on government health plans.

Most emergency medical insurance plans can be cancelled, and the premium can be refunded before the policy’s effective date. Some cancellation fees may apply. Partial refunds (less early refund fee) after the effective date will be available IF the insurance policy is cancelled because of early departure to the insured person’s home country becomes eligible for a provincial health plan. Only no claim policy will qualify for early departure refunds.

There are no restrictions where you explore medical services in Canada, as long as the amount charged by the providers is usual, Customary and Reasonable for a particular use, treatment, or supply.refunds.

Emergency medical insurances are intended to cover sudden, unexpected, and unforeseeable expenses. Please read the plan benefits section for a summary of the available coverage and maximum coverage amount.

Emergency medical insurance does not cover all things. Insurance has some exclusions, limitations and conditions. Please read and understand the policy wordings before you buy a visitor’s medical plan.

Mostly, few policies do not cover pre-existing conditions. The definition differs from Company to Company and plans to plans. Another common exclusion is accidents or illnesses caused by the abuse of drugs, Alcohol or Hazard sports. Routine healthcare, elective or cosmetic surgery and non-emergency care could be done in your home country or province. Many plans limit benefits if the insured fails to get advance approval for treatment.

Few insurance companies offer limited coverage for visitors over the age of 85.

Please, call our customer service at 1-855-640-8400 for more information.

A claim adjuster from your insurance company will determine whether it will be covered or not, based on an attending physician statement (APS) from the hospital and the insured medical history.

Travel insurance protects in the case of medical and family emergencies, delays, theft and the last-minute plan changes that can happen to both frequent and occasional travellers. Without travel insurance, a broken arm, even something as necessary as the flu could turn into substantial medical bills costing thousands of dollars. Health care costs in Canada are prohibitive. Hospitals can charge thousands of dollars per day. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs, which can create a significant financial burden.

The insurance premium is the same whether the plan is purchased directly from an insurance company or through a broker like Working with a broker gives you some advantages:

– We offer to compare one-stop shopping for Visitors to Canada Travel Medical Insurance.

– We work for our clients, not for an insurance company.

– We offer claim support for our clients.

– We offer experience and knowledge to help you make the right decision.

The published premiums from the insurance companies are the only rates available. Offering discounts from these prices initiated by an insurance broker or travel agent is strictly forbidden under the Codes of Conduct that apply to our operation. Any agent caught doing it could lose their license.

Some credit cards provide basic travel insurance, but you must read the fine print to find out exactly what’s covered, under what conditions, and what the limits are. Many credit cards have shallow coverage limits. The coverage may apply for a limited period or may be available only to a certain age.

There are many sources of travel insurance – travel agents, banks and trust companies, credit cards, and some general insurance brokers sell travel insurance, too. You may have coverage even from your work through the company benefits or an association of which you are a member.

As insurance brokers, we offer only personal health and travel insurance, and we guarantee our expertise and service.

– Quick claim procedure in Canada (you get your money faster).

– Canadian medical providers prefer to work with Canadian insurance companies.

– Direct billing between hospitals and most of the Canadian insurance companies.

The Canadian financial regulators regulate Canadian insurance companies. It is much easier to claim the improper practice of a Canadian insurance company here in Canada than in a country somewhere else in the world.

Canadian insurance companies are re-insured by Assuris – the Canadian government organization that will cover up to $60,000 of medical expenses in case of a Canadian insurance company’s insolvency. If total benefits exceed this amount, Assuris covers 85% of the promised benefits, but not less than $60,000.

No one can predict the future. Medical treatment in Canada is costly, and it is always advisable to buy medical travel insurance from a reputable company.

This is not an appropriate decision. If someone has a pre-existing condition, the insurance company will most likely not pay for expenses related to that condition. Accidents and sickness happen every day, and it is recommended for everybody visiting Canada to have adequate medical insurance.

Insurance companies have waiting periods from 48 hours to 8 days for illnesses if Visitors Insurance is purchased after Canada’s arrival. Injuries are covered immediately but from the time of purchase, not before that.

Canadian residents who invite relatives or friends to Canada are responsible for their support. Hospitals and medical offices have the legal right to collect unpaid bills from the person who sponsored a visitor in Canada.

Buying or ordering insurance online is straightforward. After filling out the “Free Quote” form, you will receive quotes from all Canadian insurance companies. You can click the “Direct Buy” or “Order Online” button in the first column from that page. This leads you to the appropriate online application form. If you choose “Direct Buy,” you will be transferred to an insurance company secure web site where you can instantly purchase a Visitors Insurance. If you complete the “Order Online” form, you will be contacted by our customer service department for the method of payment. You will receive an email with an attached “Confirmation of Coverage” document with a policy number and the information you provided in both options. The coverage will start from the start date, as indicated on the form. Within a few days, you will receive a package by mail that will include a policy booklet and a signed “Confirmation of coverage.”

When you purchase insurance online, you will immediately receive a confirmatory email with details of the insurance. This is your virtual insurance document. You will also receive a paper confirmation by mail.

– What is the deductible? This is the amount that you have to pay before the insurance kicks in. It could vary from $0 to thousands of dollars.

– Does the insurance plan cover pre-existing conditions? Some policies cover stable pre-existing conditions.

– What is the lookback period for pre-existing conditions? The shorter the lookback period, the better for the policyholders. Some companies require the condition to appear before 4 or 6 months, not to be considered pre-existing. Other insurance policies have lifetime lookback periods for medical conditions.

– Do I have to go to pre-approved medical service providers in case of a medical emergency? Some plans limit or refuse payments if you use unapproved providers for medical services.

Please, read all the fine print and ask questions before you buy. Carry proof of your insurance with you on your trip. And shop around – there is a big difference in policy features and costs. But do not pick a policy on price alone.

The official policy wording booklet includes the terms and conditions of your insurance policy, as well as the essential contact information you will need in case of an emergency. As with any insurance, some of those terms may limit the benefits payable. It is crucial to read your policy wording carefully. Take the policy booklet with you, so you can refer to it if necessary.


All questions on this web site have been answered to the best of our knowledge. Since insurance companies can change their policy wording and premium rates without notice, we cannot guarantee the accuracy of this page. We will not be held liable in any case for any problem arising from reading these questions and answers. Please, use this information at your own risk.