Canada is one of the most ethnically diverse countries in the world, which as a result draws many visitors, including families and friends. These visitors are not covered by Provincial health care like Canadian residents are, and therefore a Visitors to Canada Insurance plan is highly recommended.
A Visitors to Canada Insurance plan is also beneficial for any individual who is waiting to be eligible for Government Health Insurance, including former Canadians and new immigrants. Parents and grandparents of Canadian residents who are applying for a Super Visa would also benefit.
According to the Travel Health Insurance Association, the average Canadian hospital rates for foreigners are anywhere between $3,000 and $5,000 per day. Intensive care can cost as much as $15,000 per day. These costs do not include the physician fees, diagnostic services, and ambulance fees. A hospital fee also applies for non-residents.
A Visitors to Canada Insurance plan provides coverage for these expenses, including hospital accommodations and emergency medical services, follow up visits, emergency return home, and accidental death and dismemberment. A plan can be purchased for different amounts, the most common options being $10,000, $25,000, $50,000, $100,000, $150,000, or $250,000.
These policies can be sold for individuals, or as a family package. To qualify for a family package, individuals must be 59 years of age or younger and traveling with a spouse and dependent children.
There is also a 48 hour waiting period required for those who have already left their country of origin, or for individuals whose prior policy has already expired. It is recommended that the policy be purchased prior to departing one’s country of origin, or if purchasing an extension, prior to the current policy expiring to ensure the coverage is uninterrupted.
Our Office represents numerous Travel Insurance providers and can provide you with multiple coverage and pricing options. For more information on Visitors to Canada Insurance or for a competitive quote, please contact our Office and we would be more than happy to assist you!
Thank you,
The Costen Insurance Team
