Expert guides and insights on travel insurance for Canadians
Snowbirding to the U.S.? This guide explains the “6-month” entry rule versus the IRS substantial presence test (183-day formula), when to file Form 8840 to claim a closer connection to Canada, state tax considerations, provincial health-plan time-away rules/temporary-absence forms, and why emergency travel insurance is essential for out-of-country medical care.
Headed to Mexico? Use this checklist to pack smart: must-have travel documents, cash/cards and pesos, eSIM/charging gear, clothes for heat and humidity, sun and insect protection, a compact health kit, and safe-water essentials. We wrap with practical safety pointers and a quick note on travel insurance so you’re ready for beaches, cities, and day trips.
Buying senior travel insurance can be confusing—age limits, stability periods, deductibles, and medical questionnaires vary by insurer. A licensed Canadian broker compares plans from multiple companies, explains what’s covered (and what isn’t), finds options for pre-existing conditions, and advocates on claims. Use this guide to save time, avoid gaps, and get the right coverage for your trip.
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Yes, you can travel with an implantable cardioverter-defibrillator. This guide explains what to do before you fly, how to glide through security, and how stability periods and recent device changes affect travel-insurance eligibility—plus what to carry and what to do if symptoms appear abroad.
Travelling with home oxygen makes buying insurance tricky. This guide explains common eligibility exclusions, how stability periods work, and which options may fit: TuGo (few eligibility limits; questionnaire if 60+) for current users, and GMS for travellers who have stopped using oxygen—provided it’s been at least 180 days. It also covers planning tips and why doctors’ notes on prescription changes matter.
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Applying through POLO for a Canadian work visa? This guide covers document verification (Vancouver/Toronto), the POEA “red ribbon” process, and medical gap insurance requirements—Toronto’s $50,000 minimum (most policies are $100,000), typical costs for young workers, the 48-hour illness waiting period if purchased after arrival, and why to apply promptly for provincial coverage (MSP/OHIP) and extend private insurance if there are delays or status changes.
Confused about tax residency vs health coverage? This guide explains how CRA tax status differs from provincial plan eligibility, how time-away limits and temporary-absence applications work, and why you can be a tax non-resident yet still (or not) keep MSP/OHIP/AHCIP. It also covers gaps, waiting periods on return, and when emergency travel insurance is recommended.
Planning an extended trip? This guide explains how Canadians can maintain provincial health coverage while travelling: time-away limits, when to file temporary-absence forms, keeping premiums paid and your address current, and what happens if coverage lapses. It also outlines when emergency travel insurance is recommended to fill gaps for out-of-province and out-of-country care.
Had a stent or heart bypass and planning a trip? This guide explains how Canadian travel insurance handles cardiac histories: typical 180–365-day stability periods, the common 10-year limit on coverage after surgery, when short trips (≤15 days, under age 75) can avoid questionnaires, and when you might choose a policy that excludes heart conditions but still covers other risks.
Wondering if you can get a refund on Super Visa insurance? This guide explains common scenarios—visa denial, cancelling before the policy starts, returning home early, or switching insurers—plus what documents you’ll need (e.g., refusal letter, proof of departure), typical admin fees, how prorated refunds work, and timelines to request one if there have been no paid claims.
Bringing a nanny or live-in caregiver to Canada? This guide explains your responsibilities as an employer: arranging private medical insurance until provincial coverage begins, applying for MSP/OHIP/other plans promptly, understanding province-by-province pharmacare, and preventing coverage gaps during work-permit renewals. It also notes why buying coverage before departure matters and what Visitors-to-Canada policies typically include.
Our experience indicates that up to 20% of Super Visa applications are denied, withdrawn or abandoned. We have compiled seven reasons why and how to ensure your application goes smoothly.
