Travel insurance aims to protect the traveler against possible medical emergencies, accident emergencies, dental emergencies, medications used in medical or accident emergencies, emergency services of healthcare professionals (such as physiotherapist), repatriation to their country of origin, emergency return to country of origin, transport of a family member to accompany the sick, air accident, accidental death or dismemberment and depending on the plan chosen also can protect the traveler in the event of travel cancellation, travel disruption, flight delay, lost luggage, concierge services and other additional travel related benefits. Health Insurance aims to provide medical and hospital care to its policyholders. Generally health insurance does not have a specific accredited network. Health Plan aims to provide medical and hospital care to its policyholders using professionals and establishments accredited by the operator. Generally the health plan is associated with montly installment payments.

The health system in Canada is public and each Province and/or Territory has a regulatory body for the public health system. There are no private health plans in Canada. There are what is so-called extended health plans that offer additional services that the public health service does not offer, such as dentist, optometrist, healthcare professionals (Physiotherapist Acupuncturist, Chiropractor, Psychologist, etc.) To have access to these extended services you must be a holder of the provincial or territory health plan

Not a requirement, but some of the Government of Canada visa programs like the Working Holiday Visa and the Super Visa requires mandatory travel insurance and it must be presented to the Immigration Officer upon arrival into Canada.

Only permanent residents (those with a permanent residence in Canada) and temporary residents (who are in Canada with work visas, student visas or even those who are in Canada with a visitor visa but are dependent on permanent and temporary residents, this category generally applies to the minor children of permanent and temporary residents) may participate in the Province or Territory public health plan. All provinces and territories offer their permanent residents the public health plan, but not all provinces or territories offer the public health plan for temporary residents. Each Province and or Territory has specific legislation for temporary residents. Visitors to Canada cannot be part of the public health plan except those mentioned above.

Some provinces have coverage agreements with other provinces, but in most cases coverage is limited to the province you are resident in. Provincial Health Insurance does not necessarily have coverage to other Provinces and or other Countries, so it is recommended to have Emergency Travel Insurance if you are travelling to other Provinces and other countries. This type of Emergency Travel Insurance is available for residents (permanent of temporary) that have a valid Provincial Health Insurance and also provide coverage to your Home Country.

• Travel Emergency Medical Insurance for visitors to Canada. • Travel Emergency Medical insurance for international students coming to Canada. • Travel Emergency Medical Insurance for Canadian students studying abroad. • Emergency Medical Insurance for work permit holders. • Emergency Medical Insurance for permanent or temporary residents waiting for the grace period to be eligible for provincial health insurance. • Emergency Medical Insurance for those with Implied Status. • Travel Emergency Medical Insurance for those coming to Canada with Working Holiday Visa (International Experience Canada). • Travel Emergency Medical Insurance for those coming to Canada with Super Visa. • Travel Emergency Medical Insurance for residents (temporary or permanent) who are insured by the Province and will travel to other Provinces and other countries. • Travel Emergency Medical Insurance for snowbirds who are traveling for a long time during the Northern Winter. • Travel Emergency Medical Insurance for international travelers traveling to the four corners of the world. • Travel insurance for baggage protection, trip cancellation, trip interruption and flight delay.

Yes, this is a type of visa that Immigration and Citizenship requires travel insurance that contains repatriation on its coverage. This travel insurance is to be maintained for the entire working holiday visa associated with the Working Holiday Visa given by immigration at one of Canada's port of entry. Even if you are obtaining provincial insurance for temporary work visa residence, this insurance cannot be canceled while the Working Holiday Visa is valid.

You must purchase one-year Canadian travel insurance with a minimum coverage of $ 100,000 (Canadian dollars).

Does not automatically cover, but these benefits may be added at an additional cost. Keep in mind that this type of insurance will refund what is not already refundable by the air carrier or travel agency.

No, this type of travel insurance is for emergency use only, so coverage will be for emergency only. Some student specific travel insurance will have some additional coverages that may include preventive appointments.

No, this type of travel insurance is for emergency use only, so coverage will be for emergency only. Some student-specific travel insurance purchase for one year will have some additional coverages that may include preventive appointments.

No, travel insurance most often does not cover anything related to pregnancy but some insurers cover pregnancy complications as long as they do not occur 9 weeks before or 9 weeks after the expected date of the delivery. Some student specific insurances cover pregnancy, but most insurers will cover pregnancy only if the onset of pregnancy occurs one month after the insurance coverage start date and the student insurance has been purchased for one year

Yes, in most travel insurance policies, as long as these sports are not for professional or remuneration and you stay within the boundaries of the ski resorts then you will be covered in case of an accident while skiing or practicing one of these winter sports There are additional coverages for professional sports considered to be at risk. It is always wise to consult the contract to find out which sports and activities are considered at risk.

There is no coverage for any of the above conditions. It is always a good idea to consult the insurance carrier contract for exclusions.

Yes, most insurers have coverage for other countries as long as the coverage period in those countries do not exceed more than half of the coverage period in Canada. Travel insurance has no coverage for your country of origin (country of last residence before arriving in Canada).

Yes, the Emergency Travel Insurance can be used at walk-in-clinics or at the hospitals.

The travel insurance coverage amount is the one indicated on your policy and chosen by you at the time you purchased the insurance. This coverage amount is for the entire duration of the insurance. Medical emergencies and or accident emergencies are covered to the maximum coverage amount indicated on your policy and hospital costs including the cost of doctors, surgeons, anesthesiologists and any additional costs incurred at the hospital are covered up to the maximum coverage amount. The list of additional coverages and benefits amount are listed on the insurance carrier contract.

Dental treatments are not covered, however the majority of the insurers will cover emergency dental procedures to relief acute dental pain pain as well as dental procedures to whole or sound natural teeth (including capped or crowned teeth) which are damaged as a result of an accidental direct blow to the face. Each insurer will have information on their contracts if dental emergencies procedures are covered or not with specified limits of coverage.

Pre-existing condition means an illness, injury, injury, or health condition, diagnosed or not by a physician, for which you have exhibited symptoms or signs or for which you needed or received medical care and exist or existed prior to the effective date of the insurance Stable means that during the period of stability (90, 120 or 180 days) determined by the insurer prior to the effective date of the insurance that this pre-existing condition has not changed, has not required further examination, has not required a visit or medical intervention, There was no drug change and no change in dosage. Each insurer has its definition for pre-existing and stable condition and it is recommended to read the insurer's contract regarding pre-existing condition.

Yes, even if it occurred 10 years ago, if for a reason you were to have again kidney stones or any complications caused for the kidney stones that took place 10 years ago during your trip and you have purchased insurance that does not cover pre-existing conditions, the insurer will not cover any emergency that arise from this condition because it is considered a pre-existing condition.

If you purchase insurance that covers pre-existing condition and is stable within the period of stability determined by the insurer prior to the effective date of insurance, any emergency related to this pre-existing condition, provided that it is stable, will be covered by the insurer. If you purchase insurance that does not cover pre-existing conditions before the effective insurance date and if an emergency occurs and you determine that this emergency condition was pre-existing existed before the effective insurance date, then the insurance does not cover the emergency regarding this pre-existing condition.

No, this type of travel insurance is for emergency use only, so coverage will be for emergency only. Some student specific travel insurance will have some additional coverages that may include preventive appointments.

You can use any walk-in-clinic or hospital in Canada as long as you pay for the services you use. Below is an average Canadian dollar price that is charged by walk-in-clinics or public hospitals in Canada. • $ 75 to $ 150 walk-in-clinic visit per visit • Emergency visit (hospital) - from $ 950 to $ 1,250 per visit • Lab Tests - $ 350 minimum • Outpatient Usage - $ 750 per day • Use of a surgical bed - $ 3,500 per day • Intensive Care Unit - $ 10,000 per day • Tomography - $ 1,600 • Magnetic Resonance Imaging - $ 1,850 As you can see above, sometimes the price of a medical emergency in Canada can cost a lot more than you paid for your trip to Canada.

The first step is to contact the insurer via phone or through the app (most insurers have an app). The insurer will then provide additional information and will open a medical emergency occurrence (claim) number in the system. If you are unable to contact the insurer, a third party may contact you instead, provided that person has knowledge of your personal information, such as first name, last name, and date of birth. If you are unable to contact the insurer due to the nature of the medical emergency or accident, please go to the nearest and most appropriate care service and after that communicate with the insurer justifying why you could not communicate with them before the emergency. If possible it is mandatory to communicate with the insurer before going to a medical or emergency establishment, as the insurer reserves the right not to cover the full amount of the emergency if you fail to communicate with them prior. In case of an emergency do not try to contact us as we do not offer this answering service. We can further assist you with any form-filling or emergency-related documentation you may need from the insurer or even additional question, but we will not be able to assit with your emergency needs.

Don't worry, as all insurers we represent here in Canada have a 24/7 translation service. Just indicate that you would like a translator to your native language. Just keep in mind that at medical care facility or hospital, the official language at these health facilities will be either English or French or both English and French, so my recommendation, if necessary, is to bring someone who speaks one of these languages with you.

Depending, the insurer may have a direct billing agreement with the doctor and or the hospital, but this information will depend on where you are located and which doctor or hospital you are going to. The insurer will provide with the details. If the insurer does not have a direct billing agreement with the doctor or hospital of your choice, then the procedure is for you to pay the bill and request reimbursement from the insurer. Walk-in-clinics are usually payable for the amount charged, but hospital-related emergencies can be extremely costly and sometimes the insurer may negotiate directly with the hospital or the hospital may issue a service invoice and you afterwords will send this invoice along with the health care report to the insurer to pay the hospital directly. It is important that you inform the hospital that you have medical emergency and accident insurance (travel insurance). In some cases the hospital may require a deposit Regardless of who pay what, you must contact the insurer prior to going to the doctor or the hospital

This information is not available in list form, but in an emergency, depending on where you are located the insurer will provide this information.

Yes, any additional procedures that you have not yet notified the insurer must be be reported and approved by the insurer, and as I described earlier if you are unable to communicate due to the nature of the emergency a third party may do on your place.

Yes, however as you are purchasing insurance while already in Canada, insurers will add a 48-hour grace period after purchase of insurance, meaning that any medical emergency that develops within these 48 hours will be automatically excluded from coverage. Accident emergencies that may occur after the purchase of insurance will be automatically covered upon insurance and will not be part of this 48-hours clause. If you are already in Canada and you were to purchase travel insurance because you are not feeling well or you are purchasing the travel insurance with the intent of seeking medical help, your coverage will be voided.

Unfortunately, in this situation the answer is not possible to purchase insurance, because the insurers do not allow the sale of travel insurance If you are already in Canada and you are purchasing travel insurance because you are not feeling well or you are purchasing the travel insurance with the intent of seeking medical help.

You can buy and renew month by month, but I do not recommend this kind of practice, because if for any reason a medical emergency or accident occurs during the insurance coverage period (such as 30 days), this emergency then becomes what is considered a pre-existing condition and because of the definition of pre-existing condition and period of stability, in the renewal of the insurance this condition may be excluded from the next renewal(s) and you may be without coverage for that condition My recommendation is to purchase the insurance for the entire duration of your trip and in case you are allowed to cancel the travel insurance either because you have returned to your country of origin or you have obtained the Provincial Health Insurance and you do not need the travel insurance for immigration purposes a refund by the carrier my be processed subject to an administration fee as long as no claims have been made towards the insurance. (check the carrier contract for refund policy).