Visitors to Canada | Medical Insurance Coverage

Visitors to Canada health insurance offers affordable emergency medical coverage if the visitor meets an accident or develops a sudden illness. It is true that medical services in Canada are not as expensive as in the US, but healthcare can be costly for visitors who are not insured. If you are not a medical insurance policyholder, unaffordable medical bills can catch you off-guard. When you are a policyholder for medical insurance for visitors to Canada, Insurance4u will protect you from suffering any substantial financial setbacks that can come along with a major illness. Apart from that, we also provide for extra coverage like sending a family member to visit or stay with you in the hospital, emergency transfer to your country of origin/citizenship, or out-of-pocket expenses for attending a sick travel companion in the hospital.

Insurance Coverage

All visitors to Canada insurance policies differ from one another and greatly depend on the language used in the contract. To give you an example of how much a visitor health insurance in Canada covers, below is the list of benefits that an insured individual can take advantage of:

(1) Emergency Hospitalization: The insurance company will pay for everything from hospital accommodation, like semi-private rooms to reasonable services and supplies mandatory for your emergency care when you are admitted to a hospital as a patient. These services also include medication or drugs prescribed by your physician.

(2) Emergency Medical Services: The insurance company will pay for all the services, including supplies and treatment from a certified health practitioner during your stay in Canada. The only condition is that the health official can not be related to you by blood or marriage.

(3) Prescription Drugs and Medicines: A visitor medical insurance in Canada will cover the expenses that concern drugs and medications prescribed by a health care professional. A cost of $1000 is accustomed for medications that are required to stabilize a medical condition that you developed before your trip with a 30-day supply.

(4) Ambulance Services: The insurer will provide the policyholder with the means of using a licensed local land, air, or sea ambulance. It includes mountain and sea evacuation as well to the nearest hospital whenever necessary.

(5) Emergency Dental Services: A visitor visa insurance for Canada from Insurance4u will reimburse a sum of $4000 for emergency dental services that include treatment for injured whole or sound natural teeth due to damage caused by an accident or as a result of a direct injury to the face. The treatment for the dental emergency must take place within the first 48 hours of the claim and should be completed within the policy period and prior to your return to your country of origin/citizenship.

(6) Repatriation: If you die as a result of covered sickness or injury in Canada as visitors to Canada insurance policyholder , the insurer will reimburse:

(a) An amount of $10,000 for the preparation and return of your dead body in standard transportation back to your country of origin/citizenship.

(b) An amount of $5000 for the cremation and burial services at the place of death.

However, the cost of the coffin, urn, and funeral is not covered by the insurance policy.

(1)Transport Services for Family and Friends: If you are visiting the country alone, the insurer provides a sum of $3000 to cover the transport cost of up to two companions, that could be anyone from your family or close friends via round-trip economy class if:

(a) You are admitted to the hospital due to a covered sickness and the attending health care professional advises that your family members should be by your side.

(b) The local authorities need the attendance of your family members to identify your remains in case of an accident.

Tips for a safe visit to Canada as an insurance policyholder:

(1) Make sure that the travellers have their visitors to Canada insurance before they leave for the country so that there is no waiting period for the coverage.

(2) If two travellers are visiting Canada together, avoid putting both the names on the same policy. It is always best to get individual policies to avoid future complications.

(3) Always use a small deductible to reduce the cost. As a smart insurance policyholder, you should use the benefits for major financial setbacks, not the minor ones.

(4) If you want to know more about the difference in policies, you can always contact the professional insurance advisors team of Insurance4u by giving us a call.