Canada has one of the best health care systems in the world, but it is expensive and only covers provincial or territorial health care members.
A "Visitors to Canada" policy will provide emergency medical coverage for only a few dollars a day.
Everything Travelers to Canada Must Know about Insurance
For visitors, immigrants, Canadians without provincial health insurance, and foreign students, emergency medical coverage is available through visitors to Canada insurance plans. It costs a lot of money for Canada to maintain one of the greatest health systems on the globe. If you need surgery, a hospital stay can easily exceed $3,000 per day. Without travel insurance, visitors to Canada must pay for these costs out of pockets, while for Canadian residents, their provincial plans cover it.
You may be surprised by how many people need visitors to Canada insurance. They include:
· Visitors to Canada
· Before their provincial health plan comes into effect, during the waiting period, returning Canadian expatriates who need coverage
· Before a provincial plan is in place, new immigrant to Canada, who have a three month waiting period on average
· Grandparents and parents on Canada’s new Super Visa
· Skilled workers in Canada on a work visa
· International students studying within Canada
Travel Insurance Can Cover All of Your Medical Costs
For accidents and sickness, emergency medical coverage is provided by visitors travel insurance. This can include physician services, hospital stays, diagnostic tests, and prescription drugs depending on the plan. Coverage can be as much as hundreds of thousands of dollars for visitors to Canada insurance and as little as a few thousand. Since medical costs can add up quickly in Canada, it is a good idea to go with much more than the minimum. Interruption and cancellation of your trip may even be covered by your visitor to Canada insurance in some cases. For details, check out your policy.
Visitors insurance is offered by many Canadian companies. pucherinsurance.com can hook you up with the companies that are able to give you the best deals for their coverage. And, you can rest assured that you are getting quality, since all insurance companies in Canada are regulated heavily by the government of Canada to ensure their insurance coverage is reliable.
How Expensive Is Travel Insurance?
As far as costs go, there are a number of factors that can influence how much you pay. The company you choose, if you have pre-existing conditions, the deductible you choose, how long you will need the coverage, and your age will all influence prices. Before you even enter Canada, you can purchase your medical insurance online through brokers like pucherinsurance.com. To get an idea of how much your insurance should cost, pucherinsurance.com can provide you with quote comparisons within minutes.
A medical condition that exists before an insurance policy goes into effect is known as a pre-existing condition. It varies from policy to policy on how strict the provider is with pre-existing conditions. Many visitors to Canada insurance policies will still give you coverage if you have a condition that has been stable for a set number of days. Look closely at the policy to find out how long a condition must be stable and what the company’s definition of stable is.
Exclusions are rather rare when it comes to travel insurance, and as long as you are cautious and do not have ill intentions, you will not be excluded. Some examples of exclusions are criminal activity, terrorism, alcohol or drug use, travelling against doctor’s orders, kidnapping, or acts of war. If you are injured or get sick under these circumstances you may be excluded from coverage.
If you are on a long travel excursion and Canada is just one stop, some insurance policies will also cover you as you travel outside of Canada. Be sure to let your broker know about your plans when you get a quote.