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    VISITOR INSURANCE SERVICES

    INSURANCE BROKERS IN MISSISSAUGA, ON

    Visitor Insurance also known as Visitors to Canada insurance, such as tourists and international students also require comprehensive coverage, as do many new immigrants until they can be covered under a provincial health plan.

    As a Tourist, IEC/Working Holiday participant or other type of visitor to the country, you should also get Visitors to Canada insurance coverage in order to protect your financial well-being from the costs of medical emergency treatment, which you may need during your stay in Canada.

    Moreover, Returning Canadians as well as New Immigrants and Foreign Workers who are awaiting their provincial healthcare plan, are encouraged to get a private health insurance plan in order to avoid the risks of unnecessary medical care expenses during the provincial waiting period.

    So in a nutshell, who needs Visitors to Canada insurance coverage:

    • New Immigrants
    • Foreign Workers
    • IEC/Working Holiday Participants
    • Returning Canadians
    • Tourists / Visitors

    Visitors to Canada include:

    1. Canadians returning to Canada: There is a three-month waiting period in some provinces before the provincial health plan begins.
    2. New Immigrants: will require emergency medical coverage until they are covered under a provincial health plan.
    3. International Students: studying in Canada are not covered under a government health plan.

    Coverage can be purchased for up to one year at a time, depending on the age of the applicant and can be renewed or extended. Depending on the applicant’s age, visitor’s policies will cover pre-existing conditions if stable for a specified number of days – usually 120-180 days. A routine doctor visit or elective treatment would not be covered under this type of policy.

    ACCIDENTAL DEATH & DISMEMBERMENT

    Covers death or dismemberment as a result of an injury while riding as a fare-paying passenger on an airplane, helicopter or common carriers such as a bus, train, boat or any public conveyance.

    BAGGAGE INSURANCE

    Provides coverage for your luggage if it is lost, damaged or stolen while on your trip. It also provides coverage for important travel documents if you happen to lose them, such as a passport, birth certificate, travel visa or driver′s license.

    DEDUCTIBLE

    Most policies are issued with standard deductibles ranging from $0 to $1,000 even $10,000.

    PRE-EXISTING CONDITION CLAUSE

    If you are 55 or older you will, most likely, be required to answer a medical questionnaire. The medical questionnaire is important to determine your rate category. Your premium rate will also be determined by existing health issues.

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    DISCLAIMER

    Commissions, trailing commissions, management fees, and expenses all may be associated with segregated fund investments. Please read the prospectus before investing. Segregated funds are not guaranteed, their values change frequently and past performance may not be repeated. Insurance products and services are provided through DIFFERENT CANADIAN INSURANCE COMPANIES.

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