VISITING CANADA? 3 TIPS TO FIND THE RIGHT TRAVEL INSURANCE

As Canada is celebrating its 150th anniversary, there has never been a better time to visit this vast and captivating country. It comes as no surprise that, according to CTV, almost 20 million overseas visitors came to Canada in 2016. Whether you are a fellow Canadian or travelling from another country, there is always something new to discover, from the East Coast to the West Coast.

Keep in mind that regardless of your chosen destination, getting travel insurance is equally important as checking visa requirements. Canada might be renowned for its universal health care, but unfortunately, provincial health care plans don’t apply to non-residents. Equipped with a proper insurance plan, visitors coming to Canada can benefit from a comprehensive coverage allowing them to travel across the country without worries.

Here are a few tips to help you pick the right travel insurance for your upcoming trip to Canada.

Traveller Type

There are many reasons that might influence your decision to visit Canada. In order to find the best insurance solution, it is important to determine what type of traveller category you fall into.
Are you:
– A visitor to Canada on holidays?
– A foreign worker on a business visa?
– A friend or family of a Canadian resident visiting from abroad?
– A student on a study visa?
– An immigrant awaiting their residency status and provincial health care coverage?
– A returning Canadian who is no longer covered by their provincial health care plan?
– A Super Visa applicants (only parents or grandparents of Canadian residents are eligible for the super visa)?

If you answered “Yes” to any of these affirmations, you should actively consider getting travel insurance. Medical emergency care in Canada can be quite costly if you are not insured under a provincial health plan, with hospitalization fees reaching up to thousands of dollars a day.

Additionally, if you are applying for the Super visa, you will be required to have a minimum $100,000 coverage and you will be asked to show proof of travel insurance coverage by a Canadian Insurer.

Above all, you should specify which type of visitor you are when getting in touch with your travel insurance representative to help them offer you the best solutions for your travel needs.

Travel Plans

Determining the length of the trip and your itinerary are some of the main considerations when shopping for the most adequate travel insurance plan.

Whether you come to Canada for a weekend escapade or visiting family for an extended stay, it is important to understand the various visa requirements and travel insurance specifications. For long-term stays, certain travel insurance plans might offer a maximum length of stay of 365 days while some will allow you to extend beyond this duration.

If you wish to visit other countries during side trips (for the exception of your country of origin), most insurance plans will be valid outside of Canada as long as the majority of your stay is spent within Canada. To avoid any surprises, make sure to validate this information with your travel insurance representative.

Medical Care Concerns

As there are a lot of considerations to take into account in order to find a coverage suitable for your needs, you must disclose everything about your medical background. Don’t be afraid to ask as many questions as you may see fit before picking a travel insurance plan. Without the proper information, in the event of a medical emergency, your claim could be denied.

For example, some travel insurance companies will cover pre-existing conditions based on certain criteria such as:
– The age of the person insured;
– The stability of the condition.

The better informed you are about the options available to you, the more you can profit from having a policy that suits your budget and your specific needs.

Furthermore, you should note that not all plans offer the same deductibles, which can range from $0 to thousands of dollars. The deductible corresponds to the amount you must pay before the insurance company starts reimbursing your claim. The higher your deductible, the less you will have to pay for your insurance premium. Lastly, make sure to ask whether the deductible is to be paid in case of hospitalization only or every time you require medical care.

With this in mind, you should also evaluate the different options available regarding how to make a claim. Certain travel insurance companies will request that you obtain preapproval before getting emergency medical care. Failure to do so could result in a non-payment of your claim, which can cause a big financial burden. For this reason, it is important to understand the regulations and limitations of your travel insurance coverage.

As most Canadian health care providers prefer to work with Canadian insurance companies, it is highly advisable to get your travel insurance now in preparation for your visit to Canada. Not only will it expedite the process to get your money back when you make a claim, you could also benefit from the direct billing system most medical care providers have a set up with Canadian insurance companies. Avoid unnecessary stress and contact your travel insurance representative to find the best solution for your needs.

With so many regions to explore and activities to do, Canada is truly a gem to discover. Having a proper travel insurance will ensure that your visit to Canada is as enjoyable and carefree as possible.

Article by Nomad Junkies team