Welcome to our Emergency Medical Insurance Frequently Asked Questions (FAQ) page—a dedicated space to address all your queries and provide the information you need for a safe and secure journey.
Whether you are a first-time traveler seeking clarity or a seasoned globetrotter looking for specific policy details, we’ve curated this comprehensive FAQ page to empower you with the knowledge needed to make informed decisions about your Visitor & Super Visa insurance.
The new rule for the Super Visa, effective 2022, allows applicants to stay in Canada for up to five years per visit without needing to renew their visa. This extends the previous maximum stay duration from two years to five years.
The main difference between a Super Visa and a visitor visa in Canada is the duration of stay. Super Visa holders can stay for up to two years per visit, while visitor visa holders are typically allowed stays of up to six months.
Super Visa insurance is mandatory medical coverage for parents and grandparents visiting Canada under the Super Visa program, providing access to healthcare services during their stay.
To be eligible for a Super Visa, the insurance must provide coverage of at least CAD 100,000, with a validity of 1 year and purchased from a Canadian insurance company.
Yes. Some plan providers allow to pay monthly for the Super Visa Insurance.
The Super Visa allows parents and grandparents of Canadian citizens and permanent residents to stay in Canada for up to Five years per visit without frequent renewals. It offers multiple entries over ten years and requires health insurance, ensuring coverage for medical emergencies and reducing financial strain. This provides families with stability, flexibility, and peace of mind.
Super Visa insurance is often refundable if the visa application is denied. Many insurance providers offer a refund for the unused portion of the policy, but it’s important to check specific cancellation and refund policies before purchasing.
Yes, Super Visa insurance is mandatory. Applicants must have medical insurance from a Canadian provider with at least CAD 100,000 coverage, valid for a minimum of one year. This ensures access to healthcare and reduces financial burdens during their stay in Canada.
A deductible in Super Visa insurance is the amount you must pay out-of-pocket before the insurance coverage begins. Choosing a higher deductible typically lowers the insurance premium, but increases your initial cost if you need medical services.
Yes, Super Visa insurance typically covers doctor visits. This insurance includes coverage for healthcare services such as consultations with doctors, hospital stays, and emergency medical treatments, ensuring that visa holders receive necessary medical care during their stay in Canada.
Super Visa insurance usually does not cover routine dental care. However, it may cover emergency dental treatment needed due to accidental injury. It’s important to review the specific policy details to understand the extent of dental coverage provided.
Super Visa insurance may cover prescription drugs in certain situations, such as those prescribed during a hospital stay or emergency treatment. However, coverage for routine prescription medications is typically not included. It’s important to review the policy details for specifics on drug coverage.
Super Visa insurance plans are available that cover existing medical conditions. Regular coverage is typically limited to unforeseen medical emergencies and new health issues that arise during the visit to Canada. The option to add existing conditions can be purchased with most of the plan providers. It’s crucial to review policy details for specific coverage exclusions and limitations.
The applicants must demonstrate they have sufficient financial resources to support themselves and their family members during their stay, as per Canadian immigration guidelines. Please visit this page for more LICO income requirements
Yes, under the new rules effective in 2022, individuals holding a Super Visa can stay in Canada for up to five years per visit without needing to renew their visa. This extends the previous maximum stay duration from two years to five years.
The cost of Super Visa insurance varies depending on factors such as the applicant’s age, health status, coverage amount, and the insurance provider. On average, premiums range from a few hundred to over a thousand Canadian dollars per year. Click here to compare cost
Yes. Some plan providers allow to pay monthly for the Super Visa Insurance.
Yes, you can typically cancel Super Visa insurance, but refund policies vary among insurance providers. Many offer refunds if the visa application is denied or if the policy is canceled within a certain timeframe, minus any applicable fees.
Parents holding a Super Visa in Canada are not allowed to work. The Super Visa is specifically designed for extended visits to spend time with family and does not grant authorization for employment or business activities in Canada.
For a Super Visa, you need medical insurance with coverage of at least CAD 100,000, valid for a minimum of one year. It should cover healthcare, hospitalization, and repatriation, and must be from a Canadian insurance provider.
A $250 annual deductible in Super Visa insurance means that the insured individual must pay the first $250 of eligible medical expenses out-of-pocket each year before the insurance coverage kicks in. This helps lower insurance premiums while ensuring coverage for significant medical costs.
However, applicants must demonstrate sufficient financial resources to support themselves and their family members during their stay, as per Canadian immigration guidelines. Please visit this page for more income requirements.
Yes, insurance is mandatory for the Super Visa in Canada. Applicants must have medical insurance with coverage of at least CAD 100,000, valid for a minimum of one year, to ensure access to healthcare services during their stay.
Parents and grandparents of Canadian citizens or permanent residents visiting Canada under the Super Visa program need this insurance for entry.
Super Visa insurance covers medical expenses such as hospitalization, emergency healthcare, and repatriation up to the coverage limit.
A minimum coverage of CAD 100,000 is required for Super Visa insurance to meet the program’s criteria.
The Super Visa insurance must be valid for at least one year from the date of entry into Canada, meeting the Supervisa requirements.
Yes, you can renew Super Visa insurance if your stay in Canada under the Supervisa program extends beyond one year.
Depending on the policy of the insurance provider, Super Visa insurance may be refundable if the visa application is denied.
Generally, insurance providers require an upfront annual payment for Super Visa insurance rather than monthly installments.
Yes, depending on the plan you purchased, consultations with doctors for medical issues are usually covered by Super Visa insurance.
It may cover prescribed medications during hospital stays or emergency treatment, but coverage for routine prescriptions varies.
Yes, Super Visa insurance may have a deductible, which is the amount the insured must pay before coverage starts.
Yes, it’s possible to cancel Super Visa insurance, but refund policies differ among insurance providers.
Yes, Super Visa insurance typically covers maternity expenses related to unexpected complications during the visit.
No, Super Visa holders are not permitted to work in Canada under the terms of the visa.
Yes, Super Visa insurance is mandatory for each visit to Canada under the Super Visa program.
Super Visa insurance must be purchased from a Canadian insurance company that meets the program’s requirements.
Yes, Super Visa insurance covers the cost of returning to the home country in case of emergency situations.
Yes, Super Visa insurance has specific requirements tailored to the Super Visa program, such as coverage duration and minimum coverage amounts, differentiating it from regular travel insurance.
Visitor insurance provides coverage for medical emergencies that occur while visiting Canada, including hospitalization, medical treatment, and repatriation.
Anyone visiting Canada who does not have Canadian provincial health insurance coverage needs Visitor insurance to ensure access to healthcare services during their stay.
This insurance covers emergency medical expenses, such as hospital stays, doctor visits, prescription drugs, emergency dental treatment, and medical evacuation or repatriation.
Visitor insurance can be purchased for various durations, ranging from a few days to several months, depending on the traveler’s needs.
The minimum coverage amount required for Visitor insurance varies among insurance providers but typically ranges from CAD 25,000 to CAD 500,000.
Coverage for pre-existing conditions varies among insurance providers, with some offering coverage for stable pre-existing conditions and others excluding pre-existing conditions altogether.
Visitor insurance is not mandatory for entry into Canada, but it is highly recommended to ensure access to medical care and financial protection in case of emergencies.
Yes, it can typically be purchased after arriving in Canada, but coverage may be limited for any medical conditions that arise before purchasing the insurance and there may be a waiting period. It is advisable to buy it before starting your journey to Canada.
Some insurance providers offer the option to extend or renew Visitor insurance, but this is subject to certain conditions and limitations.
Visitor insurance may be refundable if the traveler’s trip is canceled or cut short before the insurance effective date, depending on the insurance provider’s policy.
No, Visitor insurance typically does not cover trip cancellation or interruption. It is specifically designed to cover medical emergencies during the trip.
Visitor insurance is typically valid for travel within Canada only and does not provide coverage for travel outside Canada. To cover side trips, you have to check terms and conditions of the insurance provider’s policy.
No, Visitor insurance is specifically designed for visitors to Canada and does not provide coverage for travel to other countries.
The age limit for purchasing Visitor insurance varies among insurance providers but is typically around 95 years old.
Yes, Visitor insurance can be purchased for minors traveling alone, but it is advisable to check with the insurance provider for any specific requirements or limitations.
Visitor insurance is typically valid for a single entry into Canada, but some insurance providers may offer options for multiple entries.
Coverage for sports or adventure activities varies among insurance providers, with some offering coverage for certain activities and others excluding coverage for high-risk activities.
No, Visitor insurance is specifically designed for temporary visitors to Canada and does not provide coverage for individuals immigrating to Canada.
Visitor insurance may be suitable for international students studying in Canada temporarily, but it is advisable to check with the insurance provider for any specific requirements or limitations.
Coverage for childbirth or pregnancy-related expenses varies among insurance providers, with some offering coverage for unexpected complications and others excluding coverage for routine prenatal care or childbirth.
No, Visitor insurance is specifically designed for temporary visitors to Canada and does not provide coverage for medical procedures planned in advance for the purpose of medical tourism.
Visitor insurance is typically valid for travel within Canada only and does not provide coverage for visits to the United States or other countries.
Yes, Visitor insurance typically covers the cost of emergency medical evacuation or repatriation to the traveler’s home country in case of a medical emergency.
Yes, most Visitor insurance typically covers emergency dental treatment for sudden and unexpected dental issues that require immediate attention, depending on the insurance provider’s policy.
Visitor insurance is typically valid for visits to remote or isolated areas in Canada, but coverage may be limited or restricted in certain regions depending on the insurance provider’s policy.
Coverage for mental health or psychological treatment varies among insurance providers, with some offering limited coverage for certain conditions and others excluding coverage altogether.
Yes, Visitor insurance can be purchased for group travel, but it is advisable to check with the insurance provider for any specific requirements or limitations.
Yes, Visitor insurance is valid for travel by sea or air within Canada, providing coverage for medical emergencies during the trip.
No, Visitor insurance is specifically designed for medical emergencies that occur within Canada and does not provide coverage for medical expenses incurred outside Canada.
Yes, Visitor insurance can typically be purchased online after comparing cost on TravelPolicy.ca
Yes, Visitor insurance is valid for travel by land within Canada, providing coverage for medical emergencies during the trip.
Yes, Visitor insurance typically covers ambulance services required for emergency medical transportation to the hospital.
No, Visitor insurance is specifically designed for unforeseen medical emergencies and does not provide coverage for elective medical procedures.
Coverage for accidents caused by risky activities varies among insurance providers, with some offering coverage for certain activities and others excluding coverage for high-risk activities.
Visitor insurance may be suitable for visitors on temporary work visas, but it is advisable to check with the insurance provider for any specific requirements or limitations.
Coverage for medical expenses related to alcohol or drug use varies among insurance providers, with some offering limited coverage for certain conditions and others excluding coverage altogether.
Yes, Visitor insurance can be used for medical emergencies that occur during transit or layovers in Canada, providing coverage for necessary medical treatment.
Visitor insurance is typically valid for visits to national parks or wilderness areas in Canada, but coverage may be limited or restricted in certain regions.
Yes, Visitor insurance is available for seniors over 65 years old, providing coverage for medical emergencies during their visit to Canada.
Yes, Visitor insurance can be used for medical emergencies that occur during recreational activities such as skiing or hiking, providing coverage for necessary medical treatment, depending on the insurance provider’s policy.
Coverage for chronic conditions or ongoing treatments varies among insurance providers, with some offering coverage for stable conditions and others excluding coverage altogether.
Yes, Visitor insurance is typically valid for visitors with multiple-entry visas, providing coverage for each entry into Canada during the policy period.
Yes, Visitor insurance is available for travelers with disabilities, providing coverage for medical emergencies during their visit to Canada.
Yes, Visitor insurance can be used for medical emergencies that occur during outdoor activities such as camping or fishing, providing coverage for necessary medical treatment.
Coverage for visitors with pre-existing medical conditions varies among insurance providers, with some offering coverage for stable conditions and others excluding coverage altogether.
Visitor insurance may be suitable for visitors on student visas, but it is advisable to check with the insurance provider for any specific requirements or limitations.
Coverage for medical expenses related to special dietary needs varies among insurance providers, with some offering limited coverage for certain conditions and others excluding coverage altogether.
Yes, Visitor insurance can be used for medical emergencies that occur during visits to friends or relatives in Canada, providing coverage for necessary medical treatment.
Coverage for travelers with mental health conditions varies among insurance providers, with some offering limited coverage for certain conditions and others excluding coverage altogether.
Emergency Medical insurance provides coverage for medical expenses incurred due to unexpected illnesses or injuries while traveling abroad.
It ensures access to quality healthcare services and financial protection in case of medical emergencies while traveling, preventing potential financial burdens.
Anyone traveling to Canada, whether for leisure, business, or study, can benefit from Emergency Medical insurance to safeguard against unexpected medical expenses.
It typically covers hospitalization, doctor visits, prescription drugs, emergency medical evacuation, and repatriation, depending on the policy.
Most domestic health insurance plans provide limited or no coverage for medical expenses incurred outside the home country, highlighting the importance of Emergency Medical insurance.
Without Emergency Medical insurance, travelers risk facing exorbitant medical bills, potential financial hardship, and inadequate access to necessary medical care.
Credit card travel insurance often provides limited medical coverage compared to standalone Emergency Medical insurance, emphasizing the need for comprehensive coverage tailored to individual needs.
While primarily designed for international travel, Emergency Medical insurance may also be beneficial for domestic travelers seeking coverage beyond their provincial health plan.
Many Emergency Medical insurance policies offer coverage for stable pre-existing conditions, but it’s crucial to disclose all relevant information and review policy details beforehand.
Some insurers offer last-minute coverage, but it’s advisable to purchase Emergency Medical insurance before departing to ensure comprehensive coverage and avoid potential limitations.
The cost of Emergency Medical insurance varies depending on factors such as age, destination, duration of travel, and coverage limits, but the peace of mind it provides outweighs the expense.
Coverage for adventure sports or risky activities may be available as an optional add-on or included in certain policies, catering to travelers with specific recreational interests.
Emergency Medical insurance focuses on covering medical emergencies and typically does not extend to non-medical emergencies such as trip cancellations or lost baggage.
Emergency Medical insurance often includes coverage for medical evacuation or repatriation to the traveler’s home country in case of serious illness or injury.
Many insurers offer a grace period for cancellation with a full refund before the effective date, but refund policies vary among providers, so it’s essential to review the terms.
Coverage for childbirth or pregnancy-related expenses may vary among insurers, with some policies offering coverage for unexpected complications during the trip.
Yes, Emergency Medical insurance is available for travelers of all ages, including seniors, providing essential medical coverage tailored to individual needs.
Some insurers offer annual multi-trip plans that provide continuous coverage for multiple trips throughout the year, offering convenience and cost savings for frequent travelers.
Emergency Medical insurance typically covers medical expenses incurred in remote or isolated areas, ensuring access to necessary medical care regardless of the location.
Yes, even for short trips, unexpected medical emergencies can occur, and having Emergency Medical insurance provides invaluable protection and peace of mind for travelers.
This information provided by TravelPolicy.ca on this website is for informational purposes only.
It does not constitute an offer to enter into an insurance contract, nor does it bind the company to offer insurance at any specific rate or to any particular group or individual. The details presented here are a summary and do not alter or override the terms outlined in the official policy documents, including the policy, certificate of insurance, and related governing documents, collectively referred to as the ‘Insurance Contract.’
Rates and benefits outlined are governed solely by the terms of the Insurance Contract and may be subject to exclusions and limitations.
