Frequently Asked Questions

You may get a quote of insurance by filling up the form available on website. We will provide you the best quote at your email or you may call us for assistance.

Most of the Canadian insurance companies only accept a credit card payment.

In most cases, your insurance provider will be able to arrange direct billing with the clinic/hospital. More specifically, the insurance company will pay directly to a healthcare facility that you have received medical assistance at. If you are in a remote location or, for some reason, it is impossible to set up the direct billing – your insurance company will reimburse the expenses within 1-2 weeks.

Yes, you will be eligible for a partial refund in case there were no claims made. Partial refunds are issued for the unused time on your policy period. If you stay in Canada just 4 months and did not file a claim, you will be reimbursed for the remaining 8 months.

To make a claim, you will need to complete a claim form and attach the original medical bills, receipts and invoices (always make a copy for your record) and mail them to your insurance company. All claims should be reported in writing within 30 days of acquiring and all original documents have to be transmitted to the insurance company within 90 days. All insurance companies have Claim Assistance telephone numbers.

Most of the insurance companies have emergency assistance and claims personnel available to help you 24 hours a day, 7 days a week. Experienced multilingual staff verify coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed. They’re here to help you.

Generally, a medical emergency is an unforeseen event or sudden sickness, injury that demands treatment. Each policy may define medical emergencies differently. Please see the policy wordings for exact information.

There are two different kinds of deductibles, per-claim and per-policy period. A per claim deductible means that the insured must pay a new deductible for each separate incident. (Example: pay the deductible once for a broken leg and then a second time for a flu treatment). A per-policy period deductible means that the insured must pay the deductible only once during the period of the insurance policy. If your plan has a $100 deductible, you pay the first $100 of the expenses and then the insurance company picks up the rest. The higher the deductible, the lower the premium cost and vice versa.

This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with a $50 deductible and incur $200 of expenses, the insurance company will begin to reimburse for expenses after you have paid the first $50 of your medical bills.

It all depends on the pre-existing condition, and the terms and conditions of the policy. Some insurance companies offer plans that cover pre-existing conditions as long as they have been stable for a certain period of time (3 to 6 months) before departure from your home country. Sometimes, pre-existing conditions will not be covered. It is important to read your entire policy to make sure you are aware of the definitions affecting coverage, as well as the possible exclusions that may apply.

Only some of the available plans will cover pre-existing medical conditions such as diabetes, high blood pressure, heart conditions, etc. Other policies, while they do cover stable pre-existing medical conditions, use strict eligibility questions to screen out applicants (for example, no coverage available if you use an ICD (pacemaker), oral steroids for lung conditions, diagnosis of stroke, blood clots, congestive heart failure or heart murmur in past 12 months, etc.).

Generally, pre-existing conditions are defined as any sickness, injury or medical condition for which the insured consulted a physician, has symptoms, has been hospitalized or was prescribed medications within a certain period before the effective date of coverage. Each insurance company treats pre-existing conditions differently and this is a major reason for declined medical claims. The look back period may vary from 3 months to a life time. Please, read the exclusion section in the insurance policy booklet for exact definition.

This is not an appropriate decision. If someone has a pre-existing condition, most likely the insurance company will not pay for expensed related to that condition. Accidents and sickness happens every day and it is recommended for everybody visiting Canada to have adequate medical insurance.

Yes, you have 10 days after purchase to return your policy for a full refund, provided your coverage has not begun.

Yes, you can buy coverage any time before or after you arrive in Canada. If you do buy coverage after you arrive in Canada, a 48 hour waiting period will apply. If you have any questions, please CONTACT US.

Yes, visitors to Canada insurance is available for your spouse and/or any unmarried children age 15 days to 21 years living with you.

Yes, provided the majority of your period of coverage is spent in Canada. Expenses incurred in your country of origin will not be covered.

Yes, you can extend your visitors insurance, subject to policy terms and conditions. Ideally, you should call us (during business hours) prior to the expiry of your policy so that you will have continuous coverage. You must be in good health and not have incurred any claim.

Please review your insurance documentation carefully to ensure you know and understand the visitor coverage you have purchased. If you have any questions, please CONTACT US.

This plan contains a number of benefits, including:

• Emergency medical and health coverage
• Accidental and emergency dental
• Ambulance Services up to maximum sum insured
• Chiropractor, Chiropodist, Osteopath, Physiotherapist
• Emergency Transportation up to maximum sum insured
• Hospital Confinement and Medical Services up to maximum sum insured
• Prescription Medication
• Return Home
• Transportation of Relative or Friend
• Accidental Death & Dismemberment up to the maximum sum insured
• Additional optional benefits

You can choose between a maximum limit of $10,000, $25,000, $50,000, $100,000, $150,000, $300,000, $500,000 or $1,000,000.

You can apply for this plan if you are:

• A tourist, visitor to Canada, Super Visa applicants, landed immigrants and returning Canadians waiting for Government Health Insurance Plan coverage looking for emergency-only coverage
• Not insured or eligible for benefits under a Canadian government health insurance plan

When visiting Canada, your government health care plans may not travel with you. Health care costs in Canada are very expensive. Hospitals can charge thousands of dollars per day, with many Canadian hospitals charging a non-resident fee to patients not covered under a government health insurance plan.

Visitors insurance helps protect you and your family from unexpected costs due to a medical emergency while you’re visiting Canada.

Visitors Insurance is intended to cover emergency health and medical expenses, and financial and other losses incurred while you visiting Canada.

You can apply for a quote online by visiting OUR WEBSITE or CALL our toll free number. After going through your requisites we will be able to give you a competitive rate.

Yes. Any person can purchase a visitor insurance policy on behalf of someone coming to Canada.

Immigration Canada recommends at least $100,000 of medical insurance coverage as hospital costs for visitors to Canada can run $3,500.00 – $5,000 per day.

The Canadian insurance companies are governed by the regulations in Canada, and the government perhaps feels safer that any claims will be paid for by a company they can regulate. The government doesn’t want to be the one to have to pay any claims, or sue a company that doesn’t pay out a claim.

According to the above quote from the government’s website, proof of Canadian medical insurance is required. While this may change in the future to a list of approved international carriers, the guidance so far is for visitors to purchase visitor insurance from a Canadian company.

To get the most affordable policy, you’ll need a Canadian brokerage. You won’t find better than ADINADIFINANCIAL.COM.

As of March 8, 2018, the processing time for a super visa from India, according to Citizenship and Immigration Canada (the CIC for short), is 79 days. The processing time changes and depends heavily on where the applicant is coming from, the current workload at the CIC and many other contributing factors. You can stay up to date as times change at WWW.CIC.GC.CA.

The super visa is, by default, a multi-entry visa, meaning you can go in and out of Canada multiple times over the duration of the visa. There are single-entry super visas available, but that depends on the discretion of the immigration officer whether or not that will be granted.

It is recommended that applicants for the super visa talk to a licensed insurance broker as Adi & Adi Financial Inc. to discuss their needs. Working with a licensed broker will give applicants access to professional expertise and can save time in the application process.

If a visitor will be entering Canada multiple times, coverage must be purchased as per the Government of Canada requirements for every entry into Canada.

Yes. For every entry into Canada, visitors under the super visa must provide proof of insurance valid for 1 year from their date of entry.

The cost of your super-visa insurance will depend on many factors such as who is your insurance provider? For how long you are staying in Canada? Are you buying it with or without pre-existing conditions covered?

The Canadian super visa is a multi-entry visa valid for 10 years. It allows parents and grandparents of citizens or permanent residents of Canada to enter the country for up to 2 years at a time. According to the Canadian government, to be eligible for a super visa, the visitor must:

• Be a parent or grandparent of a Canadian citizen or permanent resident
• Be allowed to enter Canada
• Prove that the visitor’s child or grandchild has the minimum required income
• Have a written statement from the visitor’s child or grandchild saying that they will provide financial support for the visitor
• Pass an immigration medical examination
• Have valid Canadian medical insurance coverage for super visa of $100,000 for a minimum of 1 year, including coverage for health care, hospitalization, and repatriation

An officer will also examine whether or not the visitor is an authentic visitor who will leave the country voluntarily following their visit. For more information about this examination, as well as a complete list of criteria for a super visa application, visit the Citizenship and Immigration Canada website. For a general overview, visit the super visa hub.

About the Canadian Health Care System

You may be wondering, “why is there an insurance requirement for the super visa?” It is a common misconception that Canada has free healthcare for all. There are limitations to Canada’s national health insurance program. The key limitation for visitors to Canada is that the Government Health Insurance Plans (GHIP) do not cover “a tourist, a transient or a visitor to the province,” as stated on the Government of Canada’s website. This means if a visitor to Canada needs to see a doctor or visit the hospital while in Canada, it is not free and the visitor will be billed for the services they receive. Thus, the government requires visitors to Canada under the super visa to have individual medical insurance plans in case of an emergency. Government Health Insurance Plans (GHIP) do cover many medical care expenses for residents of their respective provinces. For more information on what is covered in your province or territory, visit its respective website below.

• Alberta
• British Columbia
• Manitoba
• New Brunswick
• Newfoundland and Labrador
• Northwest Territories
• Nova Scotia
• Nunavut
• Ontario
• Prince Edward Island
• Quebec
• Saskatchewan
• Yukon

Public hospitals in Canada often post their rates for non-residents in front of the help desk in the emergency room. If you want to know more about specific costs of medical insurance for super visa Canada, it is recommended that you visit your local hospital and pick up a flyer for information, as costs vary by location.

About Canadian Emergency Medical Insurance Coverage for the Super Visa

Because visitors to Canada are not covered by a Government Health Insurance Plan (GHIP), the government of Canada requires visitors under the super visa to have emergency medical insurance for super visa Canada. As discussed previously in this article, the insurance plan must:

• Provide coverage of $100,000 or more
• Include coverage for the following:
  • Health care
  • Hospitalization
  • Repatriation
• Be valid for 1 year from the date of entry into Canada

This coverage must be purchased each time the visitor enters Canada.

No, ADINADIFINANCIAL.COM is an independent Canadian insurance brokerage website (Owned and operated by Adi & Adi Financial Inc. licensed in Ontario) and we only distribute insurance services produced by the Canadian Insurance companies.