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Frequently Asked Questions
Do visitors to Canada, immigrants, and returning Canadians, need travel medical insurance while in Canada?"Yes. The Canadian government does not pay for hospital or medical services for visitors, immigrants, and returning Canadians. If you have a medical emergency while in Canada, the average cost of a doctor, clinic, or hospital emergency room visit is $500 to $1,500. The average cost if hospitalized is $2,000 to $4,000 per day. If you are visiting, studying, working, or immigrating to Canada, you should have health insurance to cover any medical costs incurred while you are in Canada. If you are applying for a super visa, you must show proof that you have at least $100,000 in health insurance coverage and that the policy is valid for a minimum of 12 months. If you are a permanent resident of Canada without Government Health Insurance Plan benefits, you should have health insurance during the waiting period.
What does the Visitors Insurance Plan (VIP) cover?Visitors Insurance Plan health insurance provides coverage for unexpected medical emergencies arising from sudden and unforeseeable circumstance due to an accident or sickness that occur while you are in Canada. The Visitors Insurance Plan offers: Plan maximums: $50,000, $100,000, or $150,000 Deductibles options: $0 $250, $500, $1500, $2500, $5000 All premiums in Canadian dollars Coverage for pre-existing medical conditions Medical professionals available 24/7 Emergency toll-free number available to you 24 hours per day and 7 days per week. If you have a medical emergency, you will be put in touch with a multilingual customer service team. You will have access to medical professionals, given assistance in locating a medical provider and, if necessary, an ambulance will be provided. Medical care You will receive the medical care you require to treat the emergency. Coverage is limited to the plan maximum you select unless specified otherwise. Medical care includes: Covers COVID-19 related medical care Coverage for side trips outside of Canada (excluding your country of residence) Medical expenses paid directly to the hospital when possible 24/7 travel assistance Hospitalization, medical, and paramedical expenses Emergency dental care Transportation and repatriation Subsistence assistance View or Download: Visitors Insurance Plan (VIP) policy Buy Now or Get A Quote: Call toll-free 1-844-500-2947
May I travel out of Canada with this insurance?Yes, you may travel out of Canada up to 30 days but the number of days you spend out of Canada cannot exceed 49% of the total number of days of coverage you purchased. For example: If you purchase 50 days of coverage, you may travel out of Canada 24 days out of the 50 days because 24 days is 49% (just under half) of 50 days. If you purchase 100 days of coverage, you may travel out of Canada 30 days out of the 100 days because the maximum number of days you may be out of Canada is limited to 30 days.
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