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Visitors insurance, also known as travel medical insurance, is a type of insurance that provides coverage for medical expenses incurred by visitors to Canada.
It is designed to provide coverage for unexpected illnesses or injuries that may occur during a visitors stay in the country. If you want to know more, then get in touch with Right Investments. We will be more than happy to help.
Requirements for visitors insurance in Canada
Before applying for visitors insurance, make sure that you meet the following criteria:
Be a non-resident of Canada: Visitors insurance is intended for individuals who are not Canadian citizens or permanent residents and are visiting Canada temporarily.
Have proof of their coverage: Visitors must have proof of their insurance coverage, such as an insurance card or policy document, and must present it to the healthcare provider at the time of treatment.
Pay the premium: Visitors must pay the premium for the insurance coverage. Premiums are typically based on factors such as the duration of the visit, the age of the visitor, and the level of coverage desired.
Be aware of the coverage and the policy details: Visitors should be aware of the coverage and the policy details, including the policy's maximum coverage limit, exclusions, and any waiting periods before coverage starts.
Meet the specific requirements of the healthcare provider: Visitors must meet any specific requirements of the healthcare provider, such as providing a police report in case of theft.
It's important to note that, like Super Visa insurance, some insurance companies might have additional requirements, and it's recommended to check with the insurance company for specific requirements and to review the policy details and exclusions carefully.
Visitors insurance- how does it work?
It works similar to any other insurance policy. You pay a premium to the insurance company in exchange for coverage. The coverage includes emergency medical care and hospitalization for unexpected illnesses or injuries that occur during the visitors stay in Canada.
When you require medical treatment, you can present the policy and receive the necessary care. The insurance company will then cover the costs of the treatment up to the policy's limit.
It's important to note that the visitor must pay for the medical treatment upfront and then submit the bills to the insurance company for reimbursement. They may also need to provide additional documentation, such as a police report in case of theft. Additionally, it's important to check the policy details and exclusions, some policies might not cover pre-existing conditions, some might have a waiting period for coverage to start, some might not cover certain treatments, etc.
Visitors insurance is not mandatory for visitors to Canada, but it is highly recommended, especially for those who are not covered by their own health insurance or who are coming to Canada for an extended period of time. It can provide peace of mind, knowing that they will be able to receive necessary medical treatment in the event of an emergency, without having to worry about the cost.
Benefits of getting visitors insurance
The primary reason for buying travel insurance is that it gives you peace of mind. The fear of something wrong can happen during your travel restricts you from enjoying your holidays. Having travel insurance makes sure you have complete peace of mind even if something awful happens.
It’s likely that you will bring some expensive accessories on the trip; for example, your wallet, camera, phone and others. If these items are lost or stolen, your visitors insurance plan can offer coverage for some or all of those expenses.
While you are visiting our country, the sudden change in food, water, weather and time zone can make you fall ill. As healthcare can be quite expensive, you must have an effective plan to cope with medical emergencies when traveling to Canada. This is where visitor’s insurance again comes to your rescue. It offers a full coverage for all your medical expenses during the trip arising out of any illness or accident.
Choosing right investments for you visitors insurance
When you choose Right Investments for your visitors insurance to Canada, you will be working with a team of professionals. Your priorities are always our top concern and we make sure that all of your needs are met. To discuss your visitors insurance needs, schedule an appointment with us today. We look forward to seeing you.
Frequently asked questions
The coverage for visitors insurance typically includes:
- Doctor's visits
- Hospital stays
- Emergency transportation
- Prescription medication
Visitors to Canada emergency medical coverage can be purchased before your arrival in the country or within the first 7 days after you enter our country. If you purchase it after you arrive, during the first 48 hours there will be no coverage for a medical condition, but there is coverage for accidents or injuries.
These are the following types of visitors insurance:
- Medical insurance
- Cancellation and interruption insurance
- Luggage insurance
You can find out more by getting in touch with our team at Right Investments.
Standard visitors insurance policies can cover for 31 days whereas some single trip policies can last up to- three months. Long-stay travel insurance generally covers trips lasting up to 18 months.