Frequently Asked Questions

FAQ

Generally you should to purchase at least 50,000 $ of medical insurance coverage as hospital cost for visitor to canada can run up to 2500 $ Per Day.But, one should consider all aspects not limited to age, Health status ,Pre-existing condition etc.

Time of purchase depends upon you . you can purchase when you feel convenient . But we recommend you to purchase prior to arrival to canada.

Travel insurance protects you in the case of medical and family emergencies, delays, theft and the last–minute plan changes that can happen anytime, anywhere, whether you travel frequently or occasionally.

This also depends upon different travel insurance providers . For more details contact us at our toll free number.Email: admin@insuranceplancanada.com

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 $50 deductible and incur $200 of expenses, the insurance company will begin to reimburse for expenses after you pay the first $50 of your medical bills.

You can contact us through our Toll Free Number.Email: admin@insuranceplancanada.com

No. insuranceplancanada is Canada's one-stop insurance portal. We are an online insurance shopping tool, providing consumers with insurance information and quote of provide competitive from competing insurance companies, 24/7. We are not an insurance company, but we do work closely with most of Canada's top insurance providers to deliver unbiased information and quotes to our clients.

Absolutely not. The Insuranceplancanada.com portal is a free online service where you can get unbiased quotes

Insuranceplancanada.com offers quotes from some of Canada's leading insurance companies - but not all of them. If you have a rate through a group program or enjoy discounts from your current provider because you're a long-standing customer, you may find a better rate elsewhere. 
IF you are getting low rates as compared to us , Please feel free to contact us .Via all Toll Free Number or Email at :admin@insuranceplancanada.com

Yes Insuranceplancanada.com value your privacy, and demonstrate our commitment to your privacy.
You can learn much more about privacy from the Office of the Privacy Commissioner of Canada.

The Privacy Act

You are protected by The Privacy Act of 1983, which

  • limits the collection, use and disclosure of your personal information
  • gives you the right to access and correct personal information which has been collected

You can learn more from the Treasury Board of Canada Secretariat.

PIPEDA

You are also protected by PIPEDA (the Personal Information Protection and Electronic Documents Act), which started taking effect in 2002. You must give consent before information about you is collected, used or disclosed. Ten principles apply:
1. Accountability
2. Identifying purposes
3. Consent
4. Limiting collection
5. Limiting use, disclosure, and retention
6. Accuracy
7. Safeguards
8. Openness
9. Individual access
10. Challenging compliance

You can learn more from the Treasury Board of Canada Secretariat.

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

Yes. If you choose a policy that excludes pre-existing conditions, you will be covered for new sicknesses and injuries.

Most Visitors Insurance policies can be extended. Just call us or your insurance company prior to the expiration of the policy. The insured person must be in good health and should not have any pending Super Visa.

Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply.

No. There is no medical exam required prior to purchase. You just have to fill the form which comprises of a few medical questions. You must answer all questions honestly, as not doing so may void (cancel) your coverage.

There is no restrictions where you seek medical service in Canada, as long as the amount charged by the providers is Usual, Customary and Reasonable for a particular service, treatment, or supply.

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 visitors insurance from a Canadian company.

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

Parents and grandparents of Canadian citizens or permanent residents who have been found admissible to Canada and meet some other conditions are eligible for the Super Visa as stated by Canadian Government.

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.


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