Yes! If you’d like to add an extra layer of financial security to your insurance policy you can add optional coverage to your policy!
In most cases, additional coverage includes Prescription Drugs with various coverage levels, Dental Insurance, Travel Insurance as well as other benefits such as Hospital Cash.
If you have already purchased a plan and wish to add more coverage to it, you can do so by contacting our Insurance Advisors!
While the type of covered services as well as benefit limits vary greatly across different insurance providers as well as plans themselves, Extended Health packages usually cover ambulance transportation, eye-treatment, hospital room upgrades, medical appliances purchase/rental, private duty nursing, hearing aids, diabetic supplies, etc.
In order to find out exactly what are the benefits in a plan of your interest, you can always read the Policy Wording or contact our Insurance Advisors to learn more!
It may come as a surprise, but provincial insurance policy does not cover all possible medical care needs you may have.
Most notably, your health coverage policy does not include things such as dental treatment, prescription medications as well as ambulance transportation and only a few exceptions apply.
That is why, Canadian insurance providers designed a plan that will take care of the costs associated with visits to a dentist, prescription drugs purchases or other medically required services should the need arise.
Yes, it is! You can claim your dental insurance expenses in your annual tax declaration.
Your insurance will commence on the effective date you select at the time of enrollment. Yet, it is worth noting that there could be a waiting period before you are able to use your policy and make claims.
Usually, waiting period is 3 months. In order to find out about the duration of a waiting period on a policy you have selected, please read its Policy Wording or contact our Insurance Advisors for details.
Yes, most insurance policies that provide dental coverage offer a transition plan to have you covered for your dental care needs in case you switch your jobs or are no longer employed and covered through your workplace.
In order to learn more about the particulars of such coverage you can contact our insurance advisors.
As with most private insurance policies there are certain limits on covered services.
Generally, individual dental insurance policies offer to pay a percentage of the covered services for up to a certain amount per year i.e. 70% or 80% with a $500-$800 annual limit, while the remaining portion of eligible expenses has to be paid out of pocket.
It’s worth noting that many dental insurance plans have a progression-based system when your benefit limits increase the longer you have your coverage in place. For example, during the first year you are covered for 60% of the bill for a maximum of $500. Your coverage will increase to 70% and $700 during the second year, while coverage for year 3 and beyond will go up to $900 and 80%.
Although the list of insured services and benefit limits varies depending on the policy of your choice as well as the province of residence, most individual dental insurance plans usually include the following benefits:
Diagnostic services such as exams and scans; preventive measures including fluoride treatments, polishing; scaling and soot planning; surgical procedures, root canals; endodontic and orthodontics; certain restorative treatments such as fillings; prosthodontic Services including complete or partial dentures services, repairs to onlays / Inlays, bridges and crowns; as well as major restoration of teeth.
In order to find out exactly what are the benefits in a plan of your interest, you can always read the Policy Wording or speak with our Insurance Advisors!
Unfortunately, routine dental care is not a part of your provincial insurance coverage. While certain medical procedures might be covered if treatment requires you to undergo an oral surgery as a result of a medical emergency, routine oral care is excluded from the government benefits.
With that said, the best way to go about securing your financial well-being when it comes to paying dental care bills is to get a dental insurance policy that provides comprehensive coverage for both major and minor dental treatment services including cleanings, check ups, oral surgeries, root canals, etc.
Yes, absolutely! If you are enrolled in a high-school, college or under the exchange program in Canada as an International Student, you are eligible to protect yourself using such insurance coverage.
Canadian insurance companies that offer their travel health insurance plans to International Students, who are coming to Canada, have an emergency dental insurance supplement.
There are no official International Student insurance requirements set by the Government of Canada.
You can use our free online International Students health insurance to take a look at all available plans and compare the summary of benefits of each.
Even though International Students in Canada are not required to have health insurance, it is highly recommended that you secure your finances and avoid paying for costly emergency medical services, if you ever need such assistance it.
It is always better to buy your insurance for International Student before you arrive in Canada in order to avoid a waiting period, which could last several days.
Please note that you need to set up your New Immigrants medical insurance policy PRIOR to exiting your country of permanent residence when you travel to Canada. If you have already arrived in Canada, please get in touch with us and our Insurance Advisors will find a suitable insurance plan for you.
It is strongly recommended to buy your travel health insurance for New Immigrants to Canada before you arrive in order to avoid the waiting period, during which you will not be able to use your insurance policy.
The waiting period ranges from 2 to 15 days depending on the insurance policy, if you purchase it after your arrival in Canada.
Most of the insurance plans cover you anywhere in Canada without you having to stay in a certain province during the entire coverage period.
Please let us know if you have any question about your options!
The main advantages of dealing with a Canadian company are quicker claim processing as well as direct billing for hospitalization that are not offered by travel insurance companies overseas.
Yes, you can cancel your private insurance policy for New Immigrants after you get covered under the provincial medical insurance plan.
Please note that you must not have any claims on your file in order to receive a pro-rated refund for the unused portion of your coverage period.
Even though you are not required to purchase a travel insurance policy for New Immigrants to Canada, you may choose to protect your personal finances with it. In fact, if you are heading to British Columbia, Yukon, Nunavut or Quebec you will not be able to enjoy Government health insurance for another 2 or 3 months due to the waiting period. Certain exceptions may apply in Saskatchewan depending on the date of your arrival in the province.
That is why, it is highly recommended to buy a New Immigrants medical insurance plan to cover possible emergencies until you receive your provincial health insurance card.
Unfortunately, all Visitors to Canada Insurance plans including those designed for New Immigrants to Canada will only cover medical emergencies.
However, in case you unexpectedly fall sick or get injured and need to visit a doctor for a check up, then you are covered!
If you are travelling to BC, Nunavut, Yukon or Quebec as a Permanent Resident, the government of Canada official strongly recommend that you purchase a private insurance policy. If you are a moving to Saskatchewan after the first 2 months of your arrival in Canada from overseas, then you would also need to purchase a private insurance plan to cover the waiting period.
When you have a private insurance you can use it to cover possible medical emergency expenses while your provincial insurance is not active for the first 2-3 months of arrival.
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Unfortunately no. Private insurance plans only cover medical emergency treatment costs if you suddenly fall sick or get injured while insured. However, if you have an emergency and require a doctor’s check up, then it is considered an eligible expense and your policy will cover it.
Ideally, you should buy your insurance policy prior to arrival in Canada. Not only certain insurers cover you on your way to Canada, but you also avoid an unnecessary waiting period that applies to policies purchased once you have arrived.
More importantly, by buying your insurance protection before arrival you are not risking your money in case there is a medical emergency within the first few days of landing.
Most Visitors to Canada insurance plans provide nation-wide coverage. No matter which province or territory in Canada you travel to, you are covered with the same policy!
The main advantages of dealing with a Canadian company are quicker claim processing as well as direct billing for hospitalization that are not offered by travel insurance companies overseas.
You are covered by your policy anywhere around the globe with an exception of your home country if you are a temporary visitor or country of prior residence before travelling to Canada.
In order to qualify for this benefit, you must physically be in Canada a certain amount of your coverage period per policy. Please contact our Insurance Advisors to learn more.
While Canadian insurance providers offer a wide range of coverage options with their Visitors to Canada insurance starting at $10,000 and up to $300,000, it is always best to get as much coverage you can afford.
In case of major emergency event, you medical bill could easily go up thousands of dollars for a single day of hospital confinement.
That is why, as a general rule, we recommend to consider coverage option above $50,000 especially in case you need a policy for an extended period of time.
Yes, most visitors medical insurance plans cover injuries from participating in recreational sport activities i.e. skiing, snowboarding, etc. as long as it is not considered professional, competitive or high-risk activity according to the insurance policy of your choice.
Please note that high-risk activities such as bungee jumping, rock climbing, etc. are not covered. For more details, please contact our insurance advisors.
Any person travelling to Canada should get a comprehensive medical emergency insurance policy unless they are eligible for provincial healthcare upon arrival.
More specifically, private Canadian insurance coverage is strongly recommended for Returning Canadians, Landed Immigrants, Work Permit Holders, tourists and other visitors to Canada.
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Yes! If you’d like to add an extra layer of financial security to your insurance policy you can add optional coverage to your policy!
In most cases, additional coverage includes Prescription Drugs with various coverage levels, Dental Insurance, Travel Insurance as well as other benefits such as Hospital Cash.
If you have already purchased a plan and wish to add more coverage to it, you can do so by contacting our Insurance Advisors!
Yes, since most of the available Extended Health Insurance packages are based around provincial insurance regulations, when you move to another province or territory in Canada your plan will be reevaluated.
As a result, you may need to pay additional premium or receive a refund depending on the current policy regulations in your province of residence.
While the type of covered services as well as benefit limits vary greatly across different insurance providers as well as plans themselves, Extended Health packages usually cover ambulance transportation, eye-treatment, hospital room upgrades, medical appliances purchase/rental, private duty nursing, hearing aids, diabetic supplies, etc.
In order to find out exactly what are the benefits in a plan of your interest, you can always read the Policy Wording or contact our Insurance Advisors to learn more!
Yes! In order to claim your personal health insurance expenses, please make sure that they have been deducted from your own pay and not from your employer.
It may come as a surprise, but provincial insurance policy does not cover all possible medical care needs you may have.
Most notably, your health coverage policy does not include things such as dental treatment, prescription medications as well as ambulance transportation and only a few exceptions apply.
That is why, Canadian insurance providers designed a plan that will take care of the costs associated with visits to a dentist, prescription drugs purchases or other medically required services should the need arise.
According to Canada’s eligibility requirements, super visa insurance must be purchased from a Canadian insurance company and meet the following criteria:
- Valid for at least 365 days of 1 year from the date of entry in Canada
- At least $100,000 in emergency medical coverage from Canadian insurance providers
- Have proof the medical insurance has paid annually, or monthly plans are also a good option (quotes aren’t accepted)
- As part of the process, you’ll also have to complete an immigration medical exam.
The cost of super visa insurance premiums will depend on your age, deductible options, covered and excluded, and whether you have any pre-existing medical conditions. The average yearly cost of super visa insurance for someone between 66 and 74 years old with no pre-existing medical conditions (and policy with $100,000 maximum coverage and a $1,000 deductible) hovers between $1,400 to $1,900 – with rates varying depending on a person’s age and healthcare history as well as by insurance company. Couples travelling together may be able to save up to 5% of premiums by bundling their coverage.
Super visas allow parents and grandparents of Canadian citizens and permanent residents to live in Canada for up to two years. It’s classified as a multi-entry visa (meaning you can leave and return) and is valid for up to 10, depending on your passport.
Yes, Pre Existing Condition coverage is available with us !!
Yes, We offer visitor medical insurance for single or for family as well.