Get Instant Help/ Faq

If this is your first experience buying Travel insurance, we've compiled a list of Frequently Asked Questions to help you make your decision. Please read them over and see if your question is answered. If not, we invite you to contact us so that we may offer further assistance.

What is Super Visa Emergency Medical Travel Insurance?

Super visa Emergency medical travel insurance provides coverage for medical emergencies only it does not cover routine visits to a family doctor, annual check-ups and prescription drugs. The current super visa requirement is $100,000 of coverage for a period of one year from a Canadian insurance company with a repatriation.

What are the minimum requirements for private Canadian health insurance to qualify for a parent and grandparent super visa?

Applicants must provide proof that they have purchased Canadian health insurance for a minimum of $100,000 in coverage and that it is valid for 1 year. In addition the coverage must be continuous and allowing the applicant to return to their home country as many times as needed within the year

Why has the government made it compulsory of purchasing visitor’s insurance from a Canadian travel insurance company and not from other insurance companies from their home country?

The Canadian insurance companies are governed by the regulations in Canada, and the government perhaps feels safer that any claims will be paid for by a company they can regulate. The government doesn’t want to be the one to have to pay any claims, or sue a company that doesn’t pay out a claim.

Is there any kind of compulsion to get Insurance through CIA (i.e. Canadian Insurance Company)?

Yes, this is true that you need to get the insurance from the CIA only as they are the ones who are going to cover all the aspects and supply you entire services relating to all medical facilities. It is also important as the process of claim as they can verify Canadian medical expenses faster.

If my parents do not want to stay in Canada for a full year then will I receive a partial premium fund?

Yes, you will get the remaining amount of fund back, but partial fund will not be provided if a claim has been submitted or is pending.

Do I get a premium refund if super visa application is declined or withdrawn?

Yes You will get the full premium refund from insurance company.All You have to provide proof of the rejection of your super visa application in order to process the cancellation request.

What Dose Deductible Mean?

Deductible is the amount of money that must be paid out of pocket before an insurer will pay any expenses. Deductible amount also affects the actual price of the insurance policy. The higher deductible you choose, the lower the actual price of the policy will be. However, it is not recommended to go over a $1,000 deductible since you may end up paying most of your medical

Should i buy-deductible or no deductible?

This all depends on the amount of risk you can take for example if you buy $1000 deductible it means you will pay first 1000 each time during claim, over and above policy will pay where as if you pick zero deductible the covered condition all amount will be covered by insurance policy.

Can I make the payment every month for the super visa coverage?

Yes, the monthly payment plan option is also now available.

What Pre-existing conditions means? My parents have pre-existing condition will super visa insurance cover that, conditions are stable?

Pre-existing are the medical condition which can be illness, sickness, injury whether diagnosed or not by doctor. Pre-existing is the health condition which existed before buying the super visa insurance. Condition may have received consultation or not it does not matter. Yes you can buy the super visa insurance which will cover the pre-existing conditions as long as they are stable with the definition of insurance companies, Stable means no change in symptoms, dosage, treatment, medical test recommended not completed again term of condition need to be read as it varies from insurance company to company. Stable period can be 90 days to one year.

If my parents do not want to stay in Canada for a full year then will I receive a partial premium fund?

Yes, you will get the remaining amount of fund back minus the administration fee that can vary from company to company, if you have not submit ant claim on that policy.

How do I make a claim?

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to the insurer. Please take care in filling out the form, as any missing information may cause delay.

What Should I Do in Case Of Emergency?

n case of Emergency you have to notify your insurance company as soon as possible of any emergency medical treatment or hospitalization. Your insurer will provide you with assistance, suggest the best options on where to get help, as well as arrange direct billing where possible. Failure to do so could result in decreasing your insurance benefit. Every insurance company has a toll free emergency phone number to call from Canada and collect call numbers to call from anywhere else. The phone numbers are always included in the policy.

When should I purchase visitors to Canada travel medical insurance?

You can purchase medical coverage at any time. We recommend that visitors insurance should be purchased prior to arrival to Canada. If the effective date is after the arrival date, most of the insurance companies do not cover expenses within 24 hours up to 8 days as a result of sickness occurring immediately following your policy effective date. Injury coverage is effective immediately.

What amount of insurance benefit should I purchase?

We recommend at least $50,000 of medical insurance coverage as hospital costs for visitors to Canada can run $5000.00 – $5,000 per day.

Do I need to buy travel insurance if I'm covered under a health plan?

Travel insurance is different than extended health insurance. While many extended health insurance plans include some coverage for travel, it is often a small amount. If you get sick or injured while outside of Canada, medical costs can add up quickly – especially if you are hospitalized. Because of this, we recommend that you purchase insurance specific for travelling, even if you have some coverage under another plan. This will ensure that you have enough coverage for an emergency. Travel insurance policies can also include benefits or features that are not provided by group health insurance plans; these include non-medical benefits and 24/7 claims and emergency assistance.

What does the Visitors to Canada insurance plan include?

This plan contains a number of benefits, including:

  • Emergency medical and health coverage
  • Accidental and emergency dental
  • Ambulance Services up to maximum sum insured
  • Chiropractor, Chiropodist, Osteopath, Physiotherapist
  • Emergency Transportation up to maximum sum insured
  • Hospital Confinement and Medical Services up to maximum sum insured
  • Prescription Medication
  • Return Home
  • Transportation of Relative or Friend
  • Accidental Death & Dismemberment up to the maximum sum insured
  • Additional optional benefits

Who’s eligible to apply for Visitors to Canada insurance?

You can apply for this plan if you are:

  • A tourist, visitor to Canada, Super Visa applicants, Landed immigrants and returning Canadians waiting for Government Health Insurance Plan coverage looking for emergency-only coverage
  • Not insured or eligible for benefits under a Canadian government health insurance plan

What are my visitors coverage options?

You can choose between a maximum limit of $10,000, $25,000, $50,000, $100,000, $150,000 or $300,000.

Do i need travel insurance if I travel within Canada, but outside of my home province?

You are not required to purchase additional insurance while travelling outside of your home province (but within Canada); however, it is strongly advised to get yourself some anyway. While your provincial health insurance will remain in effect outside of your province of residence, it is limited to expenses which would be covered in your home province. Because of the potential discrepancies in health care coverage from province to province, we recommend purchasing travel insurance. Plans for travel within Canada are available at very reasonable rates.

What is a Deductible?

his represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with a $50 deductible and incur $200 of expenses, the insurance company will begin to reimburse for expenses after you have paid the first $50 of your medical bills.
There are two different kinds of deductibles, per-claim and per-policy period. A per claim deductible means that the insured must pay a new deductible for each separate incident. (Example: pay the deductible once for a broken leg and then a second time for a flu treatment). A per-policy period deductible means that the insured must pay the deductible only once during the period of the insurance policy. If your plan has a $100 deductible, you pay the first $100 of the expenses and then the insurance company picks up the rest. The higher the deductible, the lower the premium cost and vice versa.

What is a Pre-existing Condition?

Generally, pre-existing conditions are defined as any sickness, injury or medical condition for which the insured consulted a physician, has symptoms, has been hospitalized or was prescribed medications within a certain period before the effective date of coverage. Each insurance company treats pre-existing conditions differently and this is a major reason for declined medical claims.

Can I buy visitors to Canada insurance, if I have a pre-existing medical condition?

Yes. If you choose a policy that excludes pre-existing conditions, you will be covered for new sicknesses and injuries.

Is there any medical test required before we can buy Visitors Insurance?

No, there is no medical examination required for purchasing any Visitors Insurance plan. You can buy the policies online any time and get coverage from the following day.

If I get sick and need medical treatment, would I have to pay out of pocket?

Whenever possible, the insurance companies will try to coordinate direct payment with the hospital so that you do not have to pay out of pocket. It is important that you contact your insurer’s Claims and Emergency Assistance department if you are in need of medical attention. This department will help you get the medical attention you need while attempting to coordinate payment at the facility where you are being treated. However, be aware that some medical facilities may insist on payment up front. If your policy has a deductible, this means that you will be responsible for a portion of the medical expenses incurred. This deductible is a dollar amount that you must pay before coverage kicks in. Deductibles vary from policy to policy, and can be applied on a per-claim or per-trip basis.

My parents are healthy, should I buy Visitors Insurance?

No one can predict the future. Medical treatment in Canada is very expensive and it is always advisable to buy medical travel insurance from a reputable company. for more information or advice please contact us at 1855-500-5041 or by email: info@lifeadvice.ca

Is there a coverage limit or change of coverage details at a certain age?

Please, read all the fine print and ask questions before you buy visitor insurance policy. Carry proof of your insurance with you on your trip. And shop around – there is a big difference in policy features and costs. please make sure you compare benefits before you buy visitor medical insurance or call us us for more advice at 1855-500-5041

I want to stay longer. Can I buy more coverage?

Yes, you can extend your visitors insurance, subject to policy terms and conditions. Ideally, you should call us (during business hours) prior to the expiry of your policy so that you will have continuous coverage. You must be in good health.

Can I cancel an insurance policy and receive a refund?

Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply. Partial refunds (less cancellation fee) after the effective date, are available if the policy is terminated because of early departure to the country of origin or the insured become eligible for a provincial or territorial government plan, and no claim has been incurred.

What if I have an emergency or claim?

You must notify Customer Care Worldwide (toll free or worldwide collect) within 24 hours of admission to a hospital or before any medical consultation or surgery is performed. Customer Care number can be found on your policy or contact www.lifeadvice.ca Customer care for help

What Should I Do in Case Of Emergency?

In case of Emergency you have to notify your insurance company as soon as possible of any emergency medical treatment or hospitalization. Your insurer will provide you with assistance, suggest the best options on where to get help, as well as arrange direct billing where possible. Failure to do so could result in decreasing your insurance benefit. Every insurance company has a toll free emergency phone number to call from Canada and collect call numbers to call from anywhere else. The phone numbers are always included in the policy.

Why do I have to call the Assistance Center prior to receiving any medical treatment?

It is highly important that you to call our Assistance Center so that they can confirm, with the healthcare provider, your enrolment under the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the Assistance Center, you may have to pay 20% to 30% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Center has been notified.

Why should I buy Travel Insurance?

Whether you’re adventuring abroad or taking a trip to a neighboring province, travel insurance protects you and your loved ones. Be confident you’re covered when dealing with a medical emergency, travel delay or theft.

If I get sick or injured while travelling outside Canada, will provincial government healthcare pay for my medical expenses?

Provincial healthcare provides limited coverage for medical treatment and hospital costs outside of Canada. Some provincial healthcare plans don’t cover expenses like ambulance services, emergency dental treatment and prescription drugs.

Is Travel medical insurance required when traveling within Canada

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, you should purchase additional medical coverage even while travelling within Canada

Why do I need additional travel insurance if I already have credit card coverage?

Some credit cards provide basic travel insurance. However, this coverage is often limited. Credit card coverage may apply for a limited time period, or be available only up to a certain age. It’s often only applicable if the trip is paid for with your credit card by having Travel insurance you will have peace of mine and worry free trip .

Can I still buy travel insurance if I’m over 60 and have a few medical conditions?

Yes Travel Insurance covers all ages, but some exclusions might apply depending on your health status. You’ll need to review the policy wording of the insurance you’re interested in buying, Call us at 1855-5041 and provide us more details so we can advice you best suitable plan based on your needs .

When should I buy Travel Insurance?

To fully protected you must buy insurance before leaving for your Trip. Your plan should cover your entire trip, including the day you leave and the day you return.

Can coverage be extended during my trip

If you are already on your trip, you can extend coverage by calling  Assistance Centre or call us at 1855-5005041 provided there has been no event that has resulted or may result in a claim against the policy and there has been no change in your health status. In addition, you must request the extension before your coverage expires and pay the appropriate premium. Extension of your coverage is subject to the approval by your travel insurance company terms and conduction

What if I change my mind after I purchase this travel insurance?

10 Day Right To Examine

Please take the time to read your policy and completed medical questionnaire (if applicable) prior to your departure date. If you have any questions or you are unsure about your coverage, you must contact us at 1-855-500-5041 prior to your departure date.

You have the right to cancel this policy within 10 days from the date you purchased your insurance as long policy is NOT active. For refunds after 10 days, please refer your insurance policy term and conduction’s

I am travelling with a grandchild. Are we covered under a family policy?

Yes, grandchildren fall under our definition of a dependent but the dependent grandchild must be named on the confirmation and must be under of age 21, you must pay the premium for Family Coverage, and all travelers covered under a family policy.

Can i purchase family plan for only one parent and his/her Childern.

Yes, you will need to purchase a family plan and have the parent’s children listed on your confirmation of coverage.

What Deductible options will i have

The published rates for all plans include a zero deductible. The following deductible options and savings are available for the Single-Trip Emergency Medical Plan and the Multi-Trip Emergency Medical Plan:

Savings on Premium Deductible Amount ($US)/Can
15% $500
20% $1,000
35% $5,000
50% $10,000

What will the 24-hour Hotline Assistance do for me?

Yes All insurance companies provide  24-hour hotline is staffed with multilingual specialists who can help you with all types of situations from anywhere in the world, from reporting lost baggage to getting emergency medical treatment. They can also help you replace passports, refer you to legal assistance, secure cash in case of emergency and guarantee payment to gain admission into a hospital.

What if I have an emergency or claim?

You must notify Customer Care Worldwide (toll free or worldwide collect) within 24 hours of admission to a hospital or before any medical consultation or surgery is performed. Customer Care number can be found on your policy or contact Lifeadvice.ca Customer care for help

How do I make a claim?

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to the insurer. Please take care in filling out the form, as any missing information may cause delay.

Is medical insurance mandatory?

All International students are required by law to have medical insurance while studying in Canada. It is the student’s responsibility to have adequate medical insurance while in Canada.

How does medical insurance work in Canada?

Canada has one of the best universal public health care systems in the world. The universal health care system is administered by each province under its own provincial health care plan and covers visits to doctors, medical specialists, hospital stays and medical procedures. The provincial public health care plans do not cover everything they do not cover dental care, prescription eye glasses, and non-prescription drugs. These non-covered medical expenses can add up however you can purchase private insurance coverage from www.lifeadvice.Ca

Is there any deductible applied on claim

Travel insurance for Students applies no deductible amount to claims.

Who is Eligible for medical Insurance?

All students, spouses and dependent children who are ineligible under either a Canadian Federal or Provincial hospital and medical insurance plan or the policyholder’s other group hospital and medical insurance plans.

what is maximum number of coverage days under this policy

Under this policy, the maximum number of coverage days is 365 days. After 365 days of continuous coverage, we may issue you another policy.

When does my Policy Terminate?

Insurance will terminate on the earliest of the following dates:

1. On the date the policy expires

2. If policyholder fails to pay required premium

3. On the date the Insured reaches 70 years of age

4. On the date student is eligible for a government medical plan

5. Date student departs from Canada upon completion of his assignments

6. 14 days after the insured person ceases studies in Canada

How do I change my address?

Please notify your insurance company as soon as possible when there is a change of address. You may contact the insurance company by email, mail, or telephone. Make sure to indicate your full name, the school you are attending and the certificate number when making a change to your policy.

what is covered when i traveled outside Canada

If your home country is Canada and you have purchased coverage for an outbound trip, you are covered for emergency and non-emergency medical benefits while travelling outside of Canada for the period of coverage shown on your confirmation.

If your home country is not Canada and you have purchased coverage for an inbound trip, you are covered for emergency medical benefits while you travel outside Canada for periods of up to fifteen (15) consecutive days, provided your travel outside Canada does not exceed 49% of your period of coverage and as long as your travel outside of Canada originates and terminates in Canada and, in the case of students from abroad studying in Canada, excludes your home or home country.

Can i go to my Home country during any school breaks

Yes. The Trip Break benefit offers up to twenty-one (21) consecutive days to return home to attend special events if you have requested and received prior approval from your insurance provider. Your coverage will be suspended but will not terminate while you are home. Your suspension of coverage will end and your coverage will be reinstated when you arrive in Canada if you are inbound, or when you leave Canada if you are outbound, or when you leave home if you are a national student. There will be no refund of premium for any of the days that you have returned home.

Disclaimer:

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 at any time without notice, we cannot guarantee the accuracy of the information on 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.