Visitor Insurance are very popular given the increase in the number of people traveling outside their home country. People who travel internationally, are often insecure about the coverage for healthcare, while they are in a foreign land. It is because the healthcare is hugely expensive, when it comes to developed countries like the  Canada ,US and other parts of Europe. It is intimidating to be without health insurance in a foreign land which means you will have to pay out of pocket in case of unexpected injury or sickness that might need medical assistance.

With all this being said, people are eagerly looking to buy health insurance plans for visitors before leaving their home country in order to have this protection shield while traveling. There are various travel health insurance plans also known as visitor insurance plans available online.

Before buying health insurance plan for a temporary basis for visit to a foreign country, it is necessary to remember certain points:

  • Duration of the visit
  • Age of the visitor/visitors
  • Home country citizenship
  • Destination country
  • Any extra coverage needed for the visitor’s existing health condition.

Let’s talk about the heart related condition for a pre-existing condition:
The most important exclusion in the insurance for coverage of pre-existing condition is that, the prescription medication and the routine maintenance involved in treating the condition is not covered. Only any emergency or urgent situations, which can be reported by the doctor as acute onset or sudden recurrence of the pre-existing condition will be covered.

Heart diseases including heart attack rates have increased greatly in the recent years. Studies show that people suffer from various kinds of heart related diseases. As far as the visitor health insurance is concerned, if the condition has occurred prior to the insurance plan becomes effective, it is considered as a pre-existing condition. Heart Attack is one such heart related pre-existing condition. Most of the visitor health insurance for pre- existing condition plans available in the market today, have coverage for the acute onset or sudden recurrence of pre-existing condition. People with age of below 69 qualify for the maximum coverage available for the acute onset of pre-existing condition in a plan. Pre-Existing Conditions or related Medical Conditions as follows: a) For ages 69 and under on the Start Date, any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 180 day period immediately prior to Your Start Date. For people above age 70, the options get limited and similarly the amount covered also reduces. Most comprehensive visitor insurance plans provide minimum coverage for even people above age 70. The bottom line is to find the right plan for your specific needs

If you are interested in finding the best travel insurance there are a number of important things that you will need to consider for your trip. As you likely would not own a home without the correct insurance, or even attempt to purchase a car without the right insurance, any trip should be the same.

I trip is a considerable investment and with the right travel insurance you can make sure that you are properly reimbursed if you need to travel home, if there are massive cancellations or if you happen to become sick while you are traveling abroad. For just a few dollars added to the cost of your trip every day, you could potentially protect yourself for a major emergency or accident and save thousands in emergency costs.

When you are looking for a travel insurance plan you need to make sure that there is a relatively high coverage limit for your trip. Looking for at least $100,000 in travel insurance coverage is a good idea especially if you are considering traveling abroad. In some areas were there may not be subsidies in place for medical care you could be charged several thousand dollars a day for emergency care during your stay in a hospital. Evacuation insurance can also cover the cost of emergency evacuation anywhere in the world. This means that you could have access to coverage to save you in a natural disaster in more.

Great policies can cover you for financial protection if your travel company goes under, if you experience a health emergency, you have to cancel at the last minute, you have items that are stolen, you lose electronics or items become lost during transit. These types of coverage’s will help to make sure you can be well protected throughout your entire trip and ready to take on any potential challenge while you are traveling. Check for all of these factors and a decent dollar amount for coverage before traveling anywhere.

Are you aware of a pre-existing medical condition that may make travel difficult for you or for family members?
In many cases you may not be able to receive traditional travel insurance if you have certain types of pre-existing medical conditions. Medical conditions, injuries, diseases and more can make travel more difficult and can increase the risk of cancellation during your trip. As a result you may often have to receive a special type of pre-existing condition coverage.

There are generally several types of pre-existing condition coverage is available for short-term or long-term travel as well as the nature of the medical condition that you have. There are also policy coverages available to protect you if your condition changes from stable to presenting new symptoms or unstable as well as special coverage to handle new changes in medication or your condition.
Through a basic interview process you can understand which type of policy coverage’s best suited for your needs. Usually an interview process a physician will need to determine whether or not you may require further testing before you travel, new medication before you travel, a check in on your existing symptoms or more.

If you have been diagnosed with a pre-existing condition and it has been upgraded to stable and which you have not presented new symptoms or experienced a worsening in symptoms, you can often receive much more affordable travel insurance.
This type of travel insurance will also make sure that you can receive assistance with medical help, medications, emergency support and more.
With the increased chance that you could potentially cancel your trip due to a worsening in symptoms this type of pre-existing condition coverage will also help you to reimburse you on travel fees or emergency return fees if you have to cut your trip short. This can help to protect your investment if you are going to be traveling during pregnancy or a condition that could be subject to change during travel or slightly before travel.
Keep some of these top ideas in mind about your pre-existing condition coverage

Travelling itself is an expensive affair and a medical emergency adds to the expense. It is advisable to be well prepared for all contingences especially if you are in foreign land.
Imagine, you are a visitor to Canada and a medical mishap occurs. Treatment can’t wait till you are back home and

nor will your insurance company settle claims for bills paid abroad. Though medical expenses in Canada are not as high as in a few countries, but falling ill or meeting with an accident in Canada could see you paying for unexpected medical treatment.
Health care is not free for visitors to Canada and neither are they covered by provincial health insurance plans. Moreover, one of the key requirements for Parent or grandparent super visa is having a private medical insurance from a Canadian Insurance company.
LIFEADVICE.CA provides comprehensive insurances for visitors to Canada. Whether you are travelling to Canada for business or tourist purposes, or if you are going to be responsible for family members visiting you, then it is most advisable to get an insurance policy. The policy provides with emergency medical coverage in case of illness or injury while in Canada. Buying insurance from a Canadian company will ensure that your claim procedure for medical expenses is faster as the local insurance companies have easier access to the records. Additionally, the insurers are well protected from any major financial setback that could accompany a major illness.
Buying insurance for visitors to Canada before they arrive ensures that there are no gaps in coverage. These policies are only for new illnesses or injuries, which may develop while visiting. Pre-existing conditions are not covered in these policies.
Contact us at LIFEADVICE.CA and visitors to Canada will be provided with the best options available in the market. Insurance quotes from the top Canadian insurance companies are made available on our site so that clients can easily compare the prices and coverages offered. This aids in taking a well informed decision and buying the most suitable insurance policy.
Contact us and get personalized services to develop the perfect policy which suits your requirements and needs

A safe trip should be the priority of every traveler. Though most tourists believe that nothing will happen, still unexpected situations occur. There have been cases of life-saving medical treatments, stolen or lost possessions, canceled flights and other issues. It is ideal to travel when you can afford a travel insurance. Whether you are visiting nearby cities or a foreign country, protecting your journey is crucial.

Travel insurance will protect you from inconveniences you may encounter on your trip. Most policy providers allow you to choose a plan that suits your trip from a selection. It is important that you find out the coverage each policy provides before making your choice. The right policy will provide coverage for your activities on the trip. Besides, some policies offer emergency assistance for 24-hours for travelers who may need help in foreign countries. Life Advice Insurance Inc. provides a selection of policies for travelers.

The following benefits of travel insurance will make your trip stress-free and safe.

Safety of Possessions

If your luggage is damaged or your belongings lost or stolen, you can make claims to your policy provider. You may request up to the benefit limits under the policy you took. You will be responsible for replacing your possessions if you do not have travel insurance.

Medical Expenses

With a travel insurance, you will be able to obtain the right medical treatment overseas. Some travel policies offer coverage for medical expenses and medical transportation in emergency situations. A policyholder will enjoy these benefits if the tourist needs medical attention while on the trip.

Cancellation of Trip

You can make claims for your accommodation and prepaid transport expenses if the journey is terminated. A blizzard can lead to cancellation of flights. Also, you may be required to return home at the last minute, disrupting your trip. Without travel insurance, you will lose the money you have spent on bookings. Many policies offer coverage for any disruption to your journey and prevent you from losing your money.

The Right Time to Purchase Travel Insurance

It is advisable to take out a travel policy, once you start paying for your bookings. The moment you buy the travel insurance policy, Life Advice Insurance Inc. will reimburse you if your trip is canceled. An emergency may occur and disrupt your dream holiday. Without an insurance policy, you will lose the money you have spent for accommodation, flight, and tours. So, it is safer and smarter to protect your trip with a travel insurance.

Negative situations such as accidents, loss of luggage or cancellation of trips may arise. You can have an exciting adventure if your trip is covered. Life Advice Insurance Inc. advises travelers to purchase travel insurance to obtain a coverage against travel mishaps.

For more information on travel insurance policy, contact Life Advice Insurance Inc. or visit www.lifeadvice.ca