Frequently Asked Questions
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Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
There are two different kinds of deductibles: Per-claim and Per-policy period.
A per-claim deductible means that the insured individual must pay a new deductible for every incident. For example, The insured was once injured and once had the flu; he must pay the deductible once for the injury and then a second time for the flu treatment.
A per-policy period deductible is when the insured individual must pay the deductible only once during the insurance policy’s entire duration. If your plan has a $100 deductible, the insured individual pays the first $100 of all the expenses, and then the insurance company pays anything incurred after that. As the deductible becomes higher, the premium becomes lower and the same vice versa.
There are particular visitor’s medical insurance plans in which coverage for stable pre-existing conditions is possible. Please call our customer service at 289 640 8400 for better understandings.
Even medical policies that include pre-existing conditions do not reimburse expenses to maintain the state of the pre-existing medical condition. Nonetheless, the emergency medical insurance policy will cover complications that require medical attention, death from that pre-existing condition and hospitalization.
Be straightforward and tell all details related to your pre-existing medical conditions. If you have a $30,000 to $80,000 claim after suffering a Strock in Canada, the insurance company will likely dig into your medical history.
Please, call our customer Care.
– Visitor’s to Canada who is here on vacation or business.
– New Immigrants to Canada who are waiting on government health plans.
Mostly, few policies do not cover pre-existing conditions. The definition differs from Company to Company and plans to plans. Another common exclusion is accidents or illnesses caused by the abuse of drugs, Alcohol or Hazard sports. Routine healthcare, elective or cosmetic surgery and non-emergency care could be done in your home country or province. Many plans limit benefits if the insured fails to get advance approval for treatment.
Please, call our customer service at 1-855-640-8400 for more information.
– We offer to compare one-stop shopping for Visitors to Canada Travel Medical Insurance.
– We work for our clients, not for an insurance company.
– We offer claim support for our clients.
– We offer experience and knowledge to help you make the right decision.
There are many sources of travel insurance – travel agents, banks and trust companies, credit cards, and some general insurance brokers sell travel insurance, too. You may have coverage even from your work through the company benefits or an association of which you are a member.
As insurance brokers, we offer only personal health and travel insurance, and we guarantee our expertise and service.
– Canadian medical providers prefer to work with Canadian insurance companies.
– Direct billing between hospitals and most of the Canadian insurance companies.
The Canadian financial regulators regulate Canadian insurance companies. It is much easier to claim the improper practice of a Canadian insurance company here in Canada than in a country somewhere else in the world.
Canadian insurance companies are re-insured by Assuris – the Canadian government organization that will cover up to $60,000 of medical expenses in case of a Canadian insurance company’s insolvency. If total benefits exceed this amount, Assuris covers 85% of the promised benefits, but not less than $60,000.
– Does the insurance plan cover pre-existing conditions? Some policies cover stable pre-existing conditions.
– What is the lookback period for pre-existing conditions? The shorter the lookback period, the better for the policyholders. Some companies require the condition to appear before 4 or 6 months, not to be considered pre-existing. Other insurance policies have lifetime lookback periods for medical conditions.
– Do I have to go to pre-approved medical service providers in case of a medical emergency? Some plans limit or refuse payments if you use unapproved providers for medical services.
Please, read all the fine print and ask questions before you buy. Carry proof of your insurance with you on your trip. And shop around – there is a big difference in policy features and costs. But do not pick a policy on price alone.
All questions on this web site have been answered to the best of our knowledge. Since insurance companies can change their policy wording and premium rates without notice, we cannot guarantee the accuracy of this page. We will not be held liable in any case for any problem arising from reading these questions and answers. Please, use this information at your own risk.