The Destination Travel Group: Visitors To Canada Emergency Medical Insurance

An Overview of Benefits

Request for a change in the effective date of insurance

The priority of our organisation -which is considered to be the best destination travel insurance policy provider - is the comfort of our customers. If due to any unfavourable conditions, there comes a need to change the effective date, which is the initiation of your insurance coverage, you do not have to worry! You can request an alteration by getting in touch with our proficient Insurance Advisors. However, it is mandatory to notify us about the changes prior to the starting date of the insurance.

Insurance Coverage Benefits in Other Countries

Even when you are travelling outside Canada, your Visitors to Canada insurance coverage is active and usable. The only countries where you can not make use of this destination insurancepolicy benefit is your country of origin/citizenship or any other country where you are eligible/already own healthcare insurance. Lastly, it is vital that you spend most of the insurance policy period time in Canada - approximately 51% - to become eligible for this benefit.

Freedom of Brief Trips Back to Home

At Insurance4u - the most promising destination Canada insurance policy provider, you do not have to spend your entire policy time in the country for eligibility. You have the freedom to visit your home country if you show your intent to return back to Canada within the insurance coverage time without cancelling the policy. However, Insurance4u will not cover any cost incurred for any healthcare services in your country of citizenship.

We also Offer Flight Accident Coverage:

If you apply for destination Canada super visa insurance from Insurance4u, your coverage will start from the point you get on board for your flight to Canada. To avoid any discrepancies, it is crucial that you select the effective date for your destination Canada visitor insurance according to your flight details. The day you depart from your home country should be the date mentioned as the starting of the insurance policy.

Flexible Waiting Period

If you purchase our destination travel insurance policy before you arrive in Canada, or prior to the expiration of a pre-existing emergency healthcare insurance policy, there will be no waiting period for you.
If the candidate who is applying for the destination Canada insurance for new immigrants is under the age of eighty-five, a waiting period of 48 hours might be subjected if: (a) The insurance policy is purchased after the expiration of a pre-existing DTGI contract.
(b) The policy is purchased post-arrival to Canada.
Applicants who are 86 years old, or older, are subject to a 15-day waiting period for the conditions mentioned above.

Essential Notice

If the applicant manifests a sickness during the waiting period, Insurance4u’s destination travel insurance policywill not cover the expenses for the treatment of the illness

Eligibility Requirements

As of the effective date, the candidates that are eligible for destination Canada visitor insurance must:
● Be at least or older than 15 years old.
● Be a healthy individual without any serious underlying medical problem. The individual must have no reason to seek medical attention in any way whatsoever.
● Not be insured under any other provincial health insurance policy in Canada.
The other mandatory eligibility requirements to purchase destination Canada travel insurance are listed below.

Eligibility Requirements

Coverage is UNAVAILABLE for individuals who:
● Have a diagnosis of a terminal sickness.
● Are AIDS/HIV positive.
● Have been prescribed ( last 12 months ) or still rely on home oxygen.
● Have a diagnosis/history of congestive heart failure.
● Have been through an organ transplant surgery.
● Have a history of kidney dialysis treatment.

Coverage for Pre-Existing Health Conditions

It is important that you note that you will need to purchase an accurate policy strategy to include the expense coverage for stable pre-existing medical conditions.
● Applicants of age 70 and under: You can select a policy plan where you can include the coverage for a pre-existing medical condition- given that the individual has been stable for at least 120 days before the effective date.
● Applicants of age 80 and over: In this case, the expenses for any pre-existing medical conditions will not be covered.

How to Apply For A Refund

Please keep in mind that under no condition, you can ask for a refund, if a claim has been paid, or is pending. Whether you applied for a full or partial refund, it is mandatory that you present a justified and accurate explanation to our insurance experts. The documents that are vital to showcase in the case of a refund are Boarding Pass, Letter of Enrollment, Rejection Letter, or any other justifying documentation

For Full Premium Refunds:

Full Refunds will only be available for the individuals who:
● Cancel their travelling plan to Canada before the effective date of the insurance policy.
● Get rejected after applying for a Canada Super Visa.
Essential Notice: A fee, as per the company’s policy, will be charged if the individual cancels the insurance policy within a year or prior to the effective date without providing any eligible reasoning

For Partial Premium Refunds:

An applicant will be subjected to an amount of fee if there is a request for a partial refund. It will only be offered to individuals who provide proof of:
Early departure to their home country without having the intention of coming back to Canada. A copy of the Boarding Pass might justify a reason of this nature.
Contact our Insurance advisors if you want to request a refund

How Can You Make a Claim

In case the applicant needs emergency attention, such as a surgery, the individual or someone on their behalf needs to contact our active care management or in the first 24 hours of hospital admission. In the failure of doing so, the payable benefits can reduce up to 20%
Trust Insurance4u for your medical expenses and there is a guarantee you will never regret your decision!