Expecting family or friends from outside of the country or are you planning a visit to Canada?.
Visitors who aren't Canadian residents are not covered by our government health insurance plans. That means visitors could end up facing significant out-of-pocket medical expenses if an illness or accident occurs while they're in Canada.
Travel Tip for Parent or Grandparent Super Visa Applicants: A key requirement for a Super Visa application is to provide proof that you have a minimum of $100,000 private medical insurance from a Canadian insurance company in place. Our Emergency Medical plan can fulfill this requirement.
Emergency Medical Plans Offers Visitors to Canada protection from the cost of emergency medical treatment. Your choice of two plans to help meet their medical needs. You can also reduce your premium by choosing a deductible amount which you will be responsible for paying in the event of a claim
a) Visitors to Canada;
b) Canadians who are not eligible for benefits under a government health insurance plan;
c) Persons who are coming to or in Canada on a work visa or Parent and Grandparent Super Visa; or
d) New immigrants who are awaiting government health insurance plan coverage.
Single-Trip Coverage – This plan provides emergency medical coverage for one trip only. Coverage begins on the effective date and ends on the termination date as specified on your application and your confirmation of insurance documents. Single-Trip Coverage also includes Travel Accident Coverage for up to $50,000 CAD in the case of accidental bodily injury or death..
Trip Interruption Coverage – This is an optional benefit and the additional required premium must be paid for coverage to be effective. This benefit covers the non-refundable and non-transferable portion of your trip, should it be interrupted and you are required to return to your home country due to a covered event concerning yourself, an immediate family member or a travel companion.
The pre-existing condition exclusion that applies depends on your age and the plan you have qualified for as determined by your answers to the medical questions.
Plan A Up to age 85: We will not pay any expenses relating to any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, in the 180 days before your effective date of insurance; any heart condition if, in the 180 days before the effective date, you require any form of nitroglycerine for the relief of angina pain; any lung condition if, in the 180 days before the effective date, you require treatment with oxygen or prednisone for your lung condition.
Plan B Up to age 85: We will not pay any expenses relating to a pre-existing condition that is not stable in the 180 days before your effective date; any heart condition if, in the 180 days before the effective date, you require any form of nitroglycerine for the relief of angina pain; any lung condition if, in the 180 days before the effective date, you require treatment with oxygen or prednisone for your lung condition.
All Plans & All Ages
Hospitalization for a pre-existing condition: We will not pay any expenses relating to a pre-existing condition for which you are hospitalized either more than once or for at least 2 consecutive days in the 12 months before your effective date.
You are not eligible for coverage under this policy if any of the following apply to you:
- You are travelling against the advice of a physician;
- You have been diagnosed with a terminal illness with less than 2 years to live;
- You have a kidney condition requiring dialysis;
- You have used home oxygen during the 12 months prior to the date of application;
- You have been diagnosed with Alzheimer’s disease or any other form of dementia;
- You are under 30 days or over 85 years of age (over 69 years of age for $150,000 Single-Trip Emergency Medical Coverage);
- You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre; and/or
- You require assistance with activities of daily living
After reading the above, if you determine that you are eligible, you qualify to purchase this insurance. If you are purchasing Plan A, or if you are under the age of 40 and purchasing Plan B, please complete Parts 2, 3, 4, and 5.
If you are eligible to purchase this coverage and are aged 40-85 (40-69 years of age for $150,000 Single-Trip Emergency Medical coverage), you may qualify for Plan B, which covers stable pre-existing medical conditions that have been stable for 180 days before your effective date. If you are applying for Plan B, you must answer NO to each question in Part 1 below. If you are uncertain of your answers to any of the medical questions below, please consult your doctor before completing the Medical Questionnaire.
