If you are a Canadian, you know that Canada provides financial coverage to its citizens for almost all medical emergencies possible. However, if you are a visitor in Canada, and you are not prepared for an unforeseen medical emergency, your international travel can immediately turn into a terrifying situation, as the medical expenses at Canadian hospitals are considerably high. Also, most of the domestic medical coverage by insurance providers from across the globe does not cover medical situations that may occur when you are not in your home country.
What is Insurance for Visitors in Canada?
The Government of Canada has designed a special visitors insurance for people visiting the country with a temporary purpose. Whether you are visiting the country for work, for education, or just to spend time with your family and friends living in Canada, or just as a tourist to explore the country, do not let your medical coverage be a matter of concern. While you plan your travel to Canada, consider Visitors Insurance and get coverage for all your medical emergencies in case of any illness or accident.
What is the Emergency Medical Expenses Covered under Visitorâs Insurance?
- Hospital services and outpatient treatments provided by a hospital.
- Ambulance services
- X-ray and other diagnostic examinations
- Prescribed drugs
- Essential medical appliances
- Private duty nursing & medical attendants
- Follow-up visits
- Fracture treatment
- Hospital allowance
- Maternity Expenses (*conditions applied)
- Professional medical services like physiotherapist, chiropractor, chiropodist, osteopath, podiatrist
- Physician, optometrist, and acupuncturist
- Dental services
- Emergency evacuation and airfare
- Return of traveling companion
- Return of dependent children
- Repatriation
- Family transportation (*conditions applied)
- Out of pocket expenses
- Childcare
- 24-hour accidental insurance
- Pre-existing stable & unstable medical conditions
- Optional additional coverages for sports activities
- Accidental death and dismemberment coverage
Who Should Buy Visitors Insurance for Canada?
- Any visitor to Canada from another country including those holding a Super Visa or Travel Visa.
- All foreign students visiting the country for obtaining an education.
- Any individual visiting the country for work purposes.
- An immigrant moving to the country and is not covered under Canada's Government Health Insurance Plan (GHIP).
- A Canadian resident returning to the country is yet to be covered under Canadaâs GHIP.
What Medical Coverage and Benefits Does Canadaâs Insurance for Visitors Provide?
- There is medical coverage for any medical care, hospitalization, and emergence reparation including the physiciansâ fees and prescription drugs.
- There is coverage for all dental expenses in case of an accident or sickness, limited to a certain amount depending on your insurance provider.
- There is coverage for COVID-19 emergencies, however, it is subject toâŊthe terms and conditions of your insurance provider.
- There is coverage for any pre-existing medical conditions, subject toâŊthe terms and conditions of your insurance provider.
- There are monthly plans available with a coverage of $100,000 for 180 days in case of visitorâs insurance, and for 365 days in case of super visa insurance.
- With Visitors Insurance, you are eligible for 24-hour emergence medical assistance in Canada.
- You are eligible for a 100% refund if no Super Visa is granted to you.
You may or may not be eligible for a partial refund in case you leave the country earlier from the decided date and have no claim on your insurance, subject toâŊthe regular terms and conditions of your insurance provider.