Frequently Asked Questions (FAQ)
Visitors to Canada
|Savings / Surcharge on premium||Deductible amount($CDN) per claim|
The published rates for all Emergency Medical Plans include a $75 deductible per claim. The following deductible options and savings are available for the Emergency Medical plan:
Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Trip Interruption plan.
Yes, family coverage is available for Plan A Emergency Medical and Travel Accident as well as Trip Interruption plans. It is not available for Plan B Emergency Medical. Family coverage covers the applicant, the applicant’s spouse and dependent children, and all family members must be under age 60. Plan A Emergency Medical (which includes Travel Accident) is 2X the premium due for the oldest traveller under age 60. Trip Interruption is 3X the premium due for the oldest traveller under age 60.
To extend your coverage, you must make the request before the expiry date stated on your confirmation of coverage. If you have not had a change in your health status and have not had any injury, illness or symptom since your effective date of insurance that has resulted or may result in a claim, the extension may be issued upon request. If you have a medical condition or pending claim, the extension is subject to the approval of the Assistance Centre.
A refund is available if you cancel the policy at any time before the effective date of insurance (minimum $25.00).
When you obtain Canadian government health insurance plan coverage from a Canadian province or territory, or return home before the scheduled return date as per the confirmation, and no claim has been initiated or reported or assistance services have not been provided, refunds are available for the unused days of the trip (minimum $25.00).
If you are cancelling your policy because your application for the Visa was refused, you must provide proof of Visa refusal with your request for a full refund. If you have purchased 365 days of coverage, and requesting a partial refund due to your early return to your home or departure from Canada and:
- have had no claim that has been reported, paid or denied, unused premiums (minimum of $25.00) may be refunded when you have provided proof of return to your home or departure from Canada.
- have reported a claim or have a payable claim for which the payment has not been issued or the total amount of all reported eligible claim expenses will not exceed the deductible amount, you may apply to have such claim withdrawn and, subject to our approval, unused premium may be refunded less a handling fee of $300.00 per claim which will be deducted from any amount to be refunded.
- your claim has been denied or paid, no refund is possible.
We ask you to call our Assistance Centre so that we can confirm your enrolment under the plan and, with the health care provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid any out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified. See your policy for details.
The policy states that some benefits will only be covered if they have been authorized and arranged by the Assistance Centre. Read your policy carefully and call the Assistance Centre in the event of any medical emergency.
Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another policy for the following term if you are eligible for coverage.
To apply for coverage, an applicant or someone on his/her behalf may complete and sign the Visitors-to-Canada application. If someone other than the applicant completes the application, that person must ensure that he/she has full authorization to apply on behalf of the application and full knowledge of the applicant’s health information to complete the application accurately. Any incorrect statements on the application may make the policy null and void.
This benefit allows you to return home without terminating your coverage if you have requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while you are at home. The suspension of coverage will end and coverage will be reinstated when you arrive back in Canada. There will be no refund of premium for any of the days during your Trip Break. Note: this policy will not cover any expenses or benefits relating to any emergency medical and/or non-emergency medical services for any injury that occurred or sickness that started during your Trip Break.
In order to be covered under this plan, children* have to be at least 30 days old. *Child, Children means your unmarried, dependent son or daughter, who travels with you during your trip and is:
- at least 30 days of age but under 21 years of age; or
- over 21 years of age and mentally or physically disabled and dependent on you for support.