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Why You Should Not Visit Canada without Visitor to Canada Insurance?

Author: Samantha Jones
by Samantha Jones
Posted: Oct 17, 2019

Visitor to Canada Insurance provides emergency medical coverage to visitors, immigrants, foreign students, and Canadians on the waiting list to get government health insurance. Even though visitors’ insurance is not mandatory, you should still apply for it if you are traveling to Canada.

It is better to be safe than sorry, as you never know when an unexpected illness may strike, or an accident may occur. Without any type of health insurance to cover the medical expenses, you will have to pay with your own money.

The following questions explain the importance of getting Visitor to Canada Insurance:

What Are the Different Benefits that Visitors’ Insurance Provides?

Visitors’ insurance provides you with a wide range of benefits. Some of the benefits it provides include hospital accommodation, medical service, diagnostic services, prescription medication, private duty nurse, paramedical services, dental, medical appliance, ambulance services, and more.

What is the Amount of Coverage that Visitors’ Insurance Offers?

Most insurance companies give you the option to select between four different coverage amounts that covers the cost of diagnostic services, ambulance, repatriation, dental emergencies, hospitalization, hospital care, and more. The four coverage amounts include $25,000, $50,000, $100,000, or $50,000. You will also receive the option to select from a variety of plans. You should select a plan based on your requirements.

Can You Get Visitor to Canada Insurance from an Insurance Company in Your Home Country?

Only Super Visa Insurance requires you to obtain health insurance from an insurance company in Canada. In fact, it is mandatory to get health insurance under super visa. However, it is not mandatory to get visitors’ insurance on a visit visa, but getting it comes highly recommended.

If you are considering getting it and are torn between obtaining it from either your home country or Canada, you should go with the latter option. Hospitals and clinics in Canada prefer to work with insurance companies based in Canada.

In the event you unexpectedly fall sick while in Canada and file a claim, the entire claim procedure will be faster than if you were doing it through an insurance company at home. You can also shop for visitors’ insurance when you arrive in Canada.

Does Visitors’ Insurance Cover Pre-existing Medical Conditions?

The insurance company you plan to get Visitor to Canada Insurance from may or may not provide coverage for pre-existing medical conditions. For instance, there are insurance companies that offer coverage for pre-existing medical conditions if they have been stable for 3 to 6 months.

Some of the pre-existing medical conditions the insurance plan may cover include heart condition, brain condition, and lung condition. If you require coverage for a pre-existing medical condition, you can discuss it with your insurance company and they can provide you with different plans that do.

How Much Money Would You Need to Pay for Medical Expenses If You Do Not Have Visitors’ Insurance?

In the event you become sick or meet with an accident while vacationing in Canada and you do not have any health insurance, you can expect to pay $50,000. Most people will not be able to pay such a huge amount, which is why you should obtain visitors’ insurance before arriving in Canada.

Without it, you will find yourself paying $100 to $500 just to see a doctor, and that is just in the daytime. The costs may double at night. A hospital stay can cost you around $3,000 to $4,000 per day with intensive care costing you up to $8,500 per day.

Ambulance fees vary from province to province. In some provinces, you can expect to pay $240 whereas the cost may be $1,067 in others. For this reason, visitors should consider obtaining health insurance from a Canadian- based insurance company before they are due to arrive in the country.

About the Author

Samantha Jones is a blogger that has a passion for writing. She publishes content on various topics ranging from tips for event planning and interior designing to technological advancements and financial tips.

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Author: Samantha Jones

Samantha Jones

Member since: Apr 30, 2019
Published articles: 6

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