Travel Insurance Questions for Visitors to Canada Insurance

Disclaimer: These questions have been answered to the best of our knowledge but we cannot guarantee the accuracy of all answers because some questions require further reading of your policy document to become truly specific, and/or due to human error. This information is provided as a helpful starting point, but please read your policy document before obtaining the insurance for more specific answers to your questions.

Q: Can my Visitors to Canada medical insurance be extended if I want to stay longer?
A: Most policies can be extended up to one year of time in Canada, provided you are still in goodhealth and do not have any prior or pending claims on the policy. You just need to call your insurance company before your policy ends (please look up exact extension details in your policy wording, and they can extend the coverage for you. 

Q: Who can purchase Visitors to Canada travel insurance?
A: As long as they meet the eligibility requirements stated in the policy:

• Visitors to Canada here on business or vacation;
• Immigrants to Canada waiting for government health coverage approval.
• Canadians who have returned to Canada and are not yet covered under a provincial health plan.

Q: Do you offer discounts for group travel medical insurance? 
A:  Yes, some insurance companies offer group discounts. Call us toll-free at 1-855-237-8808 for more information.

Q: Am I covered for trips outside Canada?
A: Your medical emergency coverage begins after your arrival in Canada. After that time, as long as the majority of your period of coverage is spent in Canada, you will be covered for during travel outside Canada. However, expenses incurred in your own country will usually not be covered. Please read your policy for details. 

Q: If Visitors to Canada insurance won't cover my pre-existing condition, why should I buy it?
A: Even though the emergency medical coverage might not apply to an existing condition, your travel insurance will cover any new illnesses or accidental injuries. There are also Visitors to Canada plans that include trip interruption coverage, which can protect you from financial losses from having to cancel your trip after you come to Canada (ie. for a family emergency back home), or for delays and other surprises that occur while travelling.

Q: What do I do in the case of an emergency and/or hospitalization?
A: You must call your insurance company and notify them of any emergency medical treatment or hospitalizationas soon as possible, , and/or to obtain their approval of expenses that can be covered (ie. flying home to obtain medical attention). Failure to notify your insurance company can result in decreased coverage.

For more information see:

Q&A General Questions

Q&A For Canadians 

Q&A On Medical Issues