“These examples are based on actual claims with specific traveler details changed to protect privacy.“
- Visitor To Canada
- Newcomers
- Super Visa
- Travel from Canada
- Interprovincial Travel in Canada
- International Students
- Work Permit Holders
- Pregnancy Travel
- Non-medical Insurance
- Life Insurance
- Life Insurance-Business Owners
- Critical Illness
- Disability Insurance
- Children and Teens Insurance
- Investment & Savings
Visitor To Canada
Mahnaz Sh.:
Last year my father joined us in Toronto. While with us, he had a heart attack and went through a serious operation in Toronto. All cost was paid with the insurance that we purchased with Mr. Rahimian. This year, when he returned to Canada again, he had an emergency bowel surgery, and once more, the insurance company covered his hospital costs. I’m truly thankful that, besides my father regaining his health, I had purchased travel insurance — otherwise…
Prisha:
88-year-old Prisha was visiting family in Vancouver; after settling in, she started seeing traces of blood in her urine for several weeks. Her family became concerned about this as it persisted, so they took her to the hospital.
After numerous tests, Prisha was diagnosed with cancer that sadly, had spread throughout her entire body. She was admitted to the hospital for two days, so doctors could monitor her condition. However, because of her advanced age, she did not undergo aggressive therapy and received
palliative care to keep her comfortable and pain-free.
Unfortunately, Prisha passed away several weeks later, and the family could cover the cost of her burial because Prisha’s Visitors to Canada Insurance took care of it.
Travel insurance helped Prisha’s family cover burial expenses, after
her unexpected death
Hospital fees $18,672.70
Burial at place of death $6,000.00
Amount paid by TuGo $24,672.70
Lingyun:
Lingyun, 46 years old, was visiting family in Thornhill, Ontario. Halfway through his trip, he had a sudden onset of sharp, unrelenting abdominal pain, so his family took him to the local hospital.
After a CT scan, he learned that he had multiple gallstones, some of which were trapped—and that emergency surgery was required. He was admitted for 2 days and needed to follow-up with his doctor after discharge.
Because Lingyun was a visitor to Canada, he would not have been covered for medical emergencies during his stay.
Fortunately, his Canadian family convinced him to get travel insurance before arriving—saving him $18,000.
Gallstones could have cost Lingyun $18,000 in medical expenses without travel insurance
Hospital fees $12,007.29
Doctors’ fees $5,095.04
Follow-up visit $935.80
Amount paid by TuGo $18,038.13
Rebecca:
69-year-old Rebecca was visiting her son, Luca, in Montreal, Quebec.
About 25 days into her trip, she started feeling unwell with chills, fatigue, and a decreased appetite. She had a history of stable diabetes and noticed her blood sugar levels were low, even though she had taken her medications as prescribed.
Luca took her to the hospital, where various tests revealed she was suffering from hypoglycemia. The doctor advised that her blood sugars weren’t responding to medication since she had been eating so many different foods and adjusting to a new environment. She was prescribed other diabetes medications and had no further issues.
Had Rebecca not been insured, she would have had to pay a large amount of money out-of-pocket. However, purchasing Visitors to Canada Insurance saved her nearly $6,500 in medical expenses.
$6,500 saved thanks to travel insurance, after hypoglycemia diagnosis
Hospital fees $5,175.03
Pathology/Radiology $232.55
Physician $907.51
Prescriptions $112.70
Amount paid by TuGo $6,427.79
Newcomers
Emergency Gallbladder Surgery
Profile:
- Insured: 34-year-old woman from the UK
- Status: New permanent resident in Ontario, arrived 3 weeks ago (waiting for OHIP – 90-day period)
- Policy: Newcomer medical insurance – $100,000 coverage, no deductible
Incident:
She experienced severe abdominal pain and nausea. At the ER, she was diagnosed with acute gallstones requiring immediate surgery.
Claim Outcome:
- ER consultation & ultrasound: $1,800
- Surgery & anesthesia: $9,200
- Hospital stay (3 days): $4,500
- Medications: $280
Total Paid by Insurer: $15,780 (100% covered)
Fractured Wrist from Slip on Ice
Profile:
- Insured: 28-year-old male from India
- Status: New PR in Manitoba, arrived 1 month ago (waiting for provincial coverage – 90-day rule)
- Policy: Newcomer insurance – $50,000 coverage, $250 deductible
Incident:
While walking to work, he slipped on icy steps and fractured his wrist. Required casting and follow-up treatment.
Claim Outcome:
- ER visit & X-rays: $1,400
- Orthopedic treatment & cast: $2,100
- Follow-up clinic visits: $300
Total Paid by Insurer: $3,550 (after $250 deductible)
Pregnancy Complication
Profile:
- Insured: 30-year-old woman from the Philippines
- Status: New PR in BC, 7 months pregnant at arrival (waiting for MSP – 3-month period)
- Policy: Newcomer insurance with pregnancy complication coverage up to 31 weeks (max $25,000)
Incident:
At 30 weeks pregnant, she developed gestational hypertension and required hospital monitoring for 2 days.
Claim Outcome:
- Hospital stay: $6,200
- Specialist OB/GYN fees: $2,100
- Medications & tests: $450
Total Paid by Insurer: $8,750 (within policy limit)
Severe Asthma Attack
My name is Michael N., a 45-year-old from South Africa. Two months ago, I moved to Alberta with my family. We were still in the waiting period for provincial health insurance, but for peace of mind, I had purchased newcomer health coverage with a $200,000 limit. At the time, I thought of it only as a “just in case” plan. I never imagined it would so quickly become my lifeline.
One cold winter evening, while returning home from shopping with my wife, the harsh Canadian weather proved too much for my body. Suddenly, I couldn’t breathe properly. My steps grew unsteady, and it felt as if there was no room left in my lungs for air. Alarmed, my wife called 911, and within minutes the sound of the ambulance siren filled the street. Inside the ambulance, struggling for every breath, one question haunted me: What if I didn’t have insurance? The thought of the costs alone doubled my anxiety.
At the hospital, I was immediately given emergency treatment and oxygen therapy. I spent one night admitted and received the necessary medication. The next day, when I returned home and could breathe normally again, I realized the true weight of what had happened: every cost had been covered by my insurance.
- Ambulance service: $850
- Emergency treatment & oxygen therapy: $1,900
- One-day hospital stay: $2,400
- Medications: $120
Total paid by insurer: $5,270
Looking back on that stressful night, one truth stands out clearly in my mind:
Having insurance is not a luxury—it’s a decision that can protect your life and your family’s future.
Child’s Ear Infection & Emergency Care
Profile:
- Insured: Family of four from Brazil
- Status: New PR family in Saskatchewan, all waiting for GHIP coverage
- Policy: Family newcomer plan – $150,000 per person
Incident:
Their 6-year-old developed a severe ear infection with high fever, requiring urgent care and antibiotics.
Claim Outcome:
- Pediatric consultation: $200
- Diagnostic tests: $150
- Prescription antibiotics: $80
Total Paid by Insurer: $430
Super Visa
Emergency Heart Surgery
Rajesh K., a 68-year-old from India, had come to Vancouver a few years ago to visit my family and was planning to stay for 18 months. Only three months after my arrival, one afternoon while walking, I felt a severe pain in my chest. My heart was racing, and it was difficult to breathe. My son, who was with me, anxiously called 911, and an ambulance quickly took me to the hospital.
In the emergency room, doctors promptly examined me and ran tests, diagnosing a blocked artery that required immediate angioplasty. Imagine facing such a dangerous situation in a foreign country, far from home and loved ones—it was incredibly stressful. Fortunately, before my trip, my son had consulted Rahimian Insurance regarding Super Visa insurance, as this insurance is one of the requirements set by the Canadian government for issuing a Super Visa. They reviewed my medical history, health condition, and length of stay and issued me Canadian Super Visa insurance with $100,000 coverage, which was also extendable. This insurance, covering all emergency, surgery, hospitalization, medication, and follow-up costs (which included the following), provided peace of mind for both me and my family:
- Emergency ambulance: $850
- Hospital stay (5 days): $18,500
- Surgery and medical services: $27,200
- Medication and follow-up: $2,300
Total: $48,850 (100% covered — no out-of-pocket cost)
In those critical moments, having insurance was my greatest comfort because it covered all costs, and not a single dollar came out of my pocket. This experience showed me that Super Visa insurance is not just a piece of paper; in difficult moments, you truly feel a reliable support by your side. When I think back to those days, I remember both the fear and anxiety of that time and the reassurance provided by having insurance from Rahimian Insurance.
Slip and Fall Injury
Profile:
- Visitor: 72-year-old mother visiting from the Philippines for 2 years
- Location: Mississauga, ON
- Policy Coverage: $150,000 emergency medical, $500 deductible
Incident:
While visiting relatives during winter, she slipped on icy stairs, resulting in a fractured hip. Emergency surgery was required to insert a hip pin, followed by rehabilitation.
Claim Outcome:
- Emergency room & X-rays: $2,800
- Surgery & orthopedic care: $14,600
- 7 days hospital stay: $9,200
- Physiotherapy: $1,800
Total Paid by Insurer: $28,400 (after $500 deductible)
Acute Pneumonia Treatment
Profile:
- Visitor: 65-year-old father visiting from Iran for 1 year
- Location: Calgary, AB
- Policy Coverage: $100,000 emergency medical, no deductible
Incident:
During the cold season, the insured developed high fever, shortness of breath, and chest pain. Emergency diagnosis confirmed severe pneumonia requiring intravenous antibiotics and oxygen therapy.
Claim Outcome:
- Ambulance transport: $450
- Hospital stay (4 days): $6,800
- Medications: $300
- Follow-up visits: $250
Total Paid by Insurer: $7,800
Minor Illness – Urgent Care Visit
Profile:
- Visitor: 69-year-old mother visiting from Pakistan for 2 years
- Location: Burnaby, BC
- Policy Coverage: $100,000 emergency medical, $100 deductible
Incident:
She developed sudden abdominal pain and nausea. Taken to urgent care, tests ruled out major issues but identified gallstones that needed pain management and follow-up.
Claim Outcome:
- Urgent care consultation: $240
- Ultrasound imaging: $600
- Medications: $80
Total Paid by Insurer: $820 (after $100 deductible)
Travel from Canada
KATE:
For Kate’s family, a joyful vacation in West Palm Beach, Florida turned into a sudden nightmare. Nine-year-old Kate loved horseback riding, but one slip was enough to turn their happy trip into a serious accident. She fell from the horse and landed on her right arm.
Her parents rushed her to the hospital. After several scans and x-rays, it was revealed that the upper part of her arm bone was fractured. Due to the type of fracture, surgery was required to realign the bone, including the use of external pins. Kate stayed in the hospital overnight and was discharged the next day.
The treatment didn’t end there. Several follow-up appointments and additional x-rays were necessary to ensure proper healing. All of this would have been extremely costly in the U.S.—even one night in an American hospital can be very expensive.
Without insurance, the family would have faced over $191,000 in expenses—a daunting amount for any family. Fortunately, Kate’s parents had purchased family travel insurance before the trip, and this wise decision made a huge difference. All of Kate’s medical care and treatment costs were covered by insurance, allowing the family to focus on her recovery without financial stress.
Breakdown of costs:
- Hospital fees: $169,147.85
- Doctors’ fees: $23,341.69
- Radiology: $3,998.01
- Fracture benefit: $348.55
- Provincial healthcare coverage: – $3,739.83
- Amount paid by TuGo: $191,833.14
This experience showed Kate’s parents that travel insurance is not just an extra expense; it’s an investment in peace of mind and protection during unexpected moments.
ELIAS:
51-year-old Elias took a trip to Nepal to hike Mount Everest with a group of friends. While trekking, he began experiencing nausea, vomiting and diarrhea for four days.
As his symptoms persisted after the descent, Elias was airlifted from base camp to a hospital in Katmandu. Doctors diagnosed him with altitude sickness and hospitalized him for four days. Because mountaineering is a high-risk activity, Elias adding Sports & Activities Coverage to his Emergency Medical Insurance plan. The savings versus what he would have had to pay out-of-pocket were more than $10,000. It means that altitude sickness on Mount Everest would have cost Elias $10,000 without Sports & Activities Coverage
- Hospital fees $1,712.03
- Mountain air rescue $9,747.46
- Provincial healthcare -$1000.00
- Amount paid by TuGo $10,459.49
Taylor:
While studying abroad in Texas, 21-year-old Taylor developed a sharp pain in his chest. He went to a small, rural hospital, where the doctor was concerned that a heart attack may have caused the pain, despite no prior cardiac history.
Afterwards, Taylor was transferred to a larger hospital in Austin, as the first one wasn’t medically equipped to treat his condition. After multiple tests and an angiogram, doctors discovered that he was suffering from inflammation around his heart called myocarditis instead—presumably caused by a recent cold.
He stayed in the hospital on antibiotics overnight and was discharged the next morning. Luckily, Taylor’s parents purchased TuGo’s Student Insurance before he left for his exchange program, which helped the family with Taylor’s unforeseen medical costs.
Taylor avoided $43,000+ bill for a heart inflammation
Hospital fees $30,859.83
Doctors’ fees $7,022.49
Ambulance $6,312.60
Provincial healthcare -$673.73
Amount covered by TuGo $43,521.19
Jessica:
Jessica, 23, went to Nebraska as a student athlete to play hockey. She began experiencing mild back pain during the semester, so she saw a chiropractor to relieve her discomfort.
Several months later, Jessica was practicing with her team for a big game and collided with a teammate. After the collision, she couldn’t bear weight on her left leg. Her coach immediately called an ambulance to take her to the ER.
After several tests and scans, doctors determined Jessica had suffered a bruise on her leg and, luckily, didn’t break any bones. She was advised to rest, do gentle stretching exercises, and was given anti-inflammatory medication for the pain.
Two months after her leg injury, Jessica began to feel a tickling in her throat and worried that it might be COVID-19.
She then booked an appointment with a doctor who confirmed it was pharyngitis—a sore throat rather than COVID-19.
Fortunately, Jessica’s parents ensured she had TuGo’s Student Insurance before she left because her school’s insurance didn’t cover student athletes. She and her parents were relieved that her plan covered her medical bills and saved her from any added stress while studying.
Multiple medical events would have cost Jessica, a student-athlete,
$7,000+ without travel insurance
Claim 1
Chiropractor fees $186.47
Claim 2
Ambulance fees $2,460.43
Hospital fees $3,715.97
Doctors’ fees $1,052.11
Radiology $185.74
Provincial healthcare -$332.09
Claim 3
Physician $367.98
Laboratory $79.60
Provincial healthcare -$148.00
Amount covered by TuGo $7,568.21
Interprovincial Travel Within Canada
Ski Accident in BC
My name is Maria, and I live in Toronto. Last winter, my husband and I went on a seven-day trip to Whistler, British Columbia. I’ve always loved skiing and thought everything would go as usual—but in just a few seconds, everything changed. I lost my balance, and when I came to, all I could feel was pain and the sound of the stretcher carrying me down the mountain.
My husband was terrified, and the very first thing that came to our minds was insurance. Fortunately, before the trip we had purchased travel insurance from Rahimian Insurance with $5,000,000 in emergency coverage and zero deductible, because we knew our provincial insurance would not provide full protection outside Ontario. Honestly, when buying the policy I thought it was just for peace of mind and would probably never be needed.
At the hospital, I was told I had several serious fractures and needed immediate surgery. I stayed in the hospital for nine days. Right away, the hospital explained that Ontario’s provincial insurance (OHIP) would cover only part of the expenses, and the rest would be our responsibility. When we heard the amounts, we were shocked:
- Air ambulance evacuation from mountain: $4,800
- Surgery & specialist fees: $12,600
- Hospital stay (9 days): $18,900
- Medications & medical equipment: $780
Total: $37,080
My husband immediately contacted the insurance company. We were stressed, expecting a long process full of paperwork, but to our relief everything went smoothly and clearly. The insurance representative guided us, the hospital documents were reviewed the same day, and everything moved forward without complications.
The greatest comfort was that the bills were paid directly by the insurance company to the hospital—we didn’t have to pay anything upfront. In total, the costs exceeded $37,000, and almost all of it was covered by insurance. We only paid a small amount ($780) for simple medications after discharge.
Heart Attack in Alberta
Profile:
- Nova Scotia resident with MSI, 5-day business trip to Calgary, AB
- Coverage: $5,000,000 emergency medical
Incident:
Mild heart attack during trip; required advanced cardiac testing and monitored hospital stay. Return flight required a medical escort.
Claim Outcome:
- Cardiology & diagnostic imaging: $6,400
- Hospital stay (7 days): $14,300
- Return flight with nurse escort: $4,200
- Accommodation & meals for spouse: $1,050
Total Paid by Insurer: $25,950
ATV Accident in Northern Quebec
Profile:
- Manitoba resident with Manitoba Health, visiting rural Quebec
- Coverage: $5,000,000 emergency medical + evacuation
Incident:
ATV rollover caused spinal injuries; required helicopter medevac to trauma centre, surgery, and rehabilitation start.
Claim Outcome:
- Helicopter evacuation: $12,400
- Spinal surgery: $27,800
- Hospital stay (12 days): $21,600
- Rehabilitation (initial sessions): $2,200
Total Paid by Insurer: $64,000
Severe Pneumonia in PEI
Profile:
- Alberta resident with AHCIP, 10-day family vacation in PEI
- Coverage: $5,000,000 emergency medical
Incident:
Developed severe pneumonia requiring ICU care for 5 days and additional recovery period in hospital.
Claim Outcome:
- ICU stay (5 days): $13,500
- Hospital stay (7 days post-ICU): $10,200
- Specialist consultations: $3,400
- Medications: $480
Total Paid by Insurer: $27,580
Child’s Head Injury in Ontario
Profile:
- Saskatchewan family visiting relatives in Ontario for 2 weeks
- Coverage: $5,000,000 emergency medical + dental emergency up to $2,000
Incident:
8-year-old fell at a playground, sustaining a concussion and facial injury requiring stitches and emergency dental repair.
Claim Outcome:
- ER care & imaging: $2,900
- Specialist plastic surgeon: $3,200
- Emergency dental repair: $1,600
Total Paid by Insurer: $7,700
International Students
Appendicitis Surgery
Profile:
- Insured: 21-year-old student from Brazil studying in Toronto (2-year diploma program)
- Policy: International student health insurance, $2 million coverage limit, no deductible
Incident:
One month after arriving, the student developed severe abdominal pain and fever. She was taken to hospital where doctors diagnosed acute appendicitis and performed an emergency appendectomy.
Claim Outcome:
- ER consultation & tests: $1,200
- Surgery & anesthesia: $9,800
- Hospital stay (2 days): $3,500
- Medications & follow-up: $250
Total Paid by Insurer: $14,750 (100% covered)
Sports Injury
Profile:
- Insured: 19-year-old male from India enrolled in a 4-year university program in Vancouver
- Policy: International student insurance with sports injury coverage, $1 million limit, $100 deductible
Incident:
During a recreational soccer game, the student tore his anterior cruciate ligament (ACL). Surgery and physiotherapy were required.
Claim Outcome:
- MRI scan: $900
- Surgery & hospital fees: $12,400
- Post-op physiotherapy (10 sessions): $1,200
Total Paid by Insurer: $14,400 (after $100 deductible)
Mental Health Counselling
Profile:
- Insured: 24-year-old female from China in a master’s program in Montreal
- Policy: International student insurance with mental health benefits, $10,000 annual limit
Incident:
After experiencing academic stress and homesickness, the student sought professional counselling.
Claim Outcome:
- Initial assessment: $200
- 8 therapy sessions: $1,600
Total Paid by Insurer: $1,800 (fully covered within policy limits)
Pregnancy Complication
Profile:
- Insured: 26-year-old from Nigeria in Halifax, Nova Scotia
- Policy: International student insurance with maternity complication coverage (up to 31 weeks gestation, $25,000 max)
Incident:
At 30 weeks pregnant, the student developed gestational hypertension and was admitted to hospital for monitoring and treatment.
Claim Outcome:
- Hospital stay (3 days): $6,900
- Obstetric specialist fees: $2,300
- Lab tests & medications: $450
Total Paid by Insurer: $9,650 (fully covered)
Dental Emergency
Soojin, a 20-year-old student from South Korea studying in a three-year college program in Ottawa, obtained international student insurance with emergency dental coverage up to $2,000 upon arrival. One day, while riding her bicycle, she had an accident that broke her front tooth, requiring immediate repair. She promptly visited a dental clinic, where emergency procedures including examination, X-rays, and tooth bonding and restoration were performed. The treatment costs were as follows:
- Emergency dental examination: $180
- X-rays: $90
- Tooth restoration and bonding: $1,150
Total amount paid by the insurer: $1,420 (100% covered within the dental coverage limit)
By having appropriate international student insurance, Soojin was able to focus on her dental treatment without financial worry and quickly return to her daily life and studies.
Work Permit Holders
Workplace Injury
Profile:
- Insured: 32-year-old male from the Philippines
- Status: Temporary foreign worker with a 2-year work permit (construction industry, Alberta)
- Policy: Private work permit holder health insurance – $100,000 emergency medical coverage, $500 deductible
Incident:
While working on a construction site, the insured fell from a ladder and fractured his arm. The injury required surgery and rehabilitation.
(Worker not covered under provincial WSIB/WCB for this specific employer arrangement, so private insurance applied.)
Claim Outcome:
- Emergency room & X-rays: $1,800
- Surgery & orthopedic care: $9,200
- Hospital stay (3 days): $4,100
- Physiotherapy (6 sessions): $900
Total Paid by Insurer: $15,500 (after $500 deductible)
Emergency Appendectomy
Maria, a 27-year-old from Mexico, obtained private medical insurance with a coverage of $100,000 and no deductible as soon as she arrived in Canada and started working in the hospitality industry in the tourist town of Banff, Alberta. For several days prior, she had occasionally experienced symptoms such as loss of appetite, mild nausea, and vague abdominal pain around her navel, but had not taken them seriously. During one of her shifts, her abdominal pain suddenly intensified to the point that she could no longer continue working. After being taken to the hospital, doctors diagnosed acute appendicitis, and she was promptly operated on. Fortunately, the treatment was successful, and all the significant hospital and surgical costs were covered by her private medical insurance. The treatment costs included:
- Emergency and tests: $1,600
- Surgery and anesthesia: $8,700
- Hospital stay (2 days): $3,300
- Medication: $220
Total amount paid by the insurer: $13,820 (100% covered)
By wisely obtaining work visa holder insurance in Canada, Maria was able to focus solely on her treatment and recovery without financial worry and could quickly return to her life and work.
Pregnancy Complication
Profile:
- Insured: 30-year-old woman from India
- Status: Work permit holder in BC, 6 months pregnant
- Policy: Work permit insurance with pregnancy complication coverage up to 31 weeks (max $25,000)
Incident:
At 29 weeks, she developed high blood pressure and swelling. She was admitted for monitoring, and early induction of labour was required.
Claim Outcome:
- Hospital stay (4 days): $9,400
- Delivery & specialist fees: $7,800
- Newborn care (2 days): $2,600
Total Paid by Insurer: $19,800 (within policy maximum)
Non-Work Accident
Profile:
- Insured: 35-year-old male from Jamaica
- Status: Seasonal work permit holder (agriculture), Ontario
- Policy: Private health insurance – $500,000 coverage, $250 deductible
Incident:
While playing soccer on his day off, the insured twisted his knee badly, tearing his meniscus.
Claim Outcome:
- ER visit & MRI: $1,250
- Arthroscopic surgery: $6,800
- Physiotherapy (8 sessions): $1,200
Total Paid by Insurer: $9,000 (after $250 deductible)
Severe Pneumonia
Profile:
- Insured: 41-year-old male from Ukraine
- Status: Skilled worker on a 3-year work permit, Nova Scotia
- Policy: Private medical insurance – $150.000 coverage, no deductible
Incident:
Developed severe pneumonia during winter. Required hospital admission and oxygen therapy for 5 days.
Claim Outcome:
- ER admission: $1,100
- Hospital stay (5 days): $8,900
- Medications: $380
- Follow-up visits: $220
Total Paid by Insurer: $10,600
Pregnancy Travel
Emergency C-Section in Third Trimester
Profile:
- Visitor: 30-year-old woman from the Philippines, visiting family in Toronto
- Visa Status: Visitor visa (non-resident)
- Policy: Visitor-to-Canada insurance with pregnancy complication coverage up to 31 weeks gestation (maximum $25,000 limit)
- Deductible: $500
Incident:
At 30 weeks pregnant, the insured experienced severe abdominal pain and bleeding. She was taken to hospital where doctors diagnosed placental abruption and performed an emergency C-section to save both mother and baby.
Claim Outcome:
- Emergency ambulance: $850
- Hospital (mother) – 4 days: $12,600
- Surgery & specialist fees: $8,400
- Newborn NICU care – 3 days: $3,800
Total Claimed: $25,650
Total Paid by Insurer: $25,000 (policy maximum; family paid $650 balance + $500 deductible)
Premature Labour at 28 Weeks
Profile:
- Visitor: 27-year-old from India, in Vancouver for 8 months to be with spouse on work permit
- Policy: Visitor insurance with maternity complication coverage up to 31 weeks gestation (limit $50,000)
- Deductible: $0
Incident:
While on a short trip to Whistler, the insured went into premature labour at 28 weeks. She was airlifted to Vancouver General Hospital, where doctors managed the delivery and provided intensive care for the baby.
Claim Outcome:
- Air ambulance: $5,200
- Labour & delivery: $18,000
- Newborn NICU (14 days): $26,400
Total Claimed: $49,600
Total Paid by Insurer: $49,600 (fully covered)
Severe Preeclampsia
Amanda N., 35 years old, traveled to Toronto for six months during the final months of her pregnancy. Aware of the high cost of medical care, she purchased a travel pregnancy insurance plan from Rahimian Insurance upon arrival. This plan covered pregnancy complications up to the 32nd week with a maximum benefit of $20,000 and a deductible of $1,000.
At week 29 of her pregnancy, she suddenly experienced severe headaches, blurred vision, and swelling in her legs, prompting her to visit the hospital. Doctors diagnosed her with severe preeclampsia—a dangerous condition threatening both mother and baby. Due to extremely high blood pressure and the emergency situation, doctors decided to perform an early cesarean delivery. Hours later, a premature but healthy baby was born, and the mother’s condition gradually stabilized after several days of intensive care.
The medical expenses, which came close to $20,000, included:
- Mother’s hospitalization (5 days): $10,200
- Cesarean delivery and obstetrician’s services: $7,800
- Newborn care (2 days): $1,900
In total, the expenses amounted to $19,900, of which the insurer paid $18,900 after deducting the $1,000 deductible.
By securing pregnancy travel insurance at the start of her trip, Amanda and her family were able to focus solely on health and recovery during this critical time—without the added stress of medical costs.
Miscarriage & Emergency Care
Profile:
- Visitor: 24-year-old from Pakistan, in Calgary for 4 months
- Policy: Visitor insurance covering early pregnancy complications up to 20 weeks (limit $15,000)
- Deductible: $250
Incident:
At 16 weeks pregnant, the insured experienced heavy bleeding. She was taken to hospital, diagnosed with incomplete miscarriage, and underwent emergency surgical management (D&C).
Claim Outcome:
- Emergency ambulance: $700
- ER care & ultrasound: $1,500
- Surgical procedure: $4,800
- Medications: $150
Total Claimed: $7,150
Total Paid by Insurer: $6,900 (after $250 deductible)
Non-medical Insurance
Non-Medical Travel Insurance (Trip Cancellation)
Profile:
- Traveller: 52-year-old woman from Toronto, travelling to Italy for a 14-day vacation
- Policy: Non-medical travel insurance (trip cancellation + interruption + baggage)
- Trip Cost: $6,800 CAD
Incident:
One week before departure, the traveller fractured her ankle in a fall at home, making her unable to travel. She provided medical documentation to the insurer.
Claim Outcome:
- Non-refundable airline tickets: $4,500
- Non-refundable hotel deposit: $1,800
- Administrative fees: $500
Total Paid by Insurer: $6,800 (100% covered)
Non-Medical Travel Insurance (Trip Interruption)
Profile:
- Traveller: Retired couple from Calgary on a Caribbean cruise
- Policy: Non-medical travel insurance (trip interruption + baggage)
- Trip Cost: $8,200 CAD
Incident:
Halfway through the cruise, the wife’s mother in Canada was hospitalized unexpectedly. They returned home immediately, cutting their trip short.
Claim Outcome:
- Unused cruise days: $3,200
- Flight change fees: $1,400
Total Paid by Insurer: $4,600
Non-Medical Travel Insurance (Baggage Loss)
Alex, a 38-year-old businessman from Vancouver, was on a busy work trip to New York. Between meetings and presentations, he never imagined that one small setback could disrupt everything: his checked luggage never arrived. Inside were his work clothes, presentation materials, and personal items. After 21 stressful days, the airline declared the luggage officially lost.
Fortunately, Alex had purchased non-medical travel insurance covering baggage and personal effects, with a limit of CAD 2,500. Thanks to this preparation, replacing everything wasn’t a nightmare:
- Replacement clothing: $1,100
- Toiletries & essentials: $200
- Lost personal items: $900
Total paid by insurer: $2,200
This experience reminded Alex that travel insurance isn’t just a formality—it’s a safety net that turns unexpected challenges into manageable setbacks.
All-Inclusive Travel Insurance (Medical Emergency Abroad)
Profile:
- Traveller: 65-year-old woman from Ottawa on a guided tour in Spain
- Policy: All-inclusive travel insurance (emergency medical + trip cancellation/interruption + baggage)
- Coverage: $10 million emergency medical, $5,000 cancellation, $2,500 baggage
Incident:
She developed severe abdominal pain during the trip and was diagnosed with gallstones requiring emergency surgery.
Claim Outcome:
- Emergency surgery & hospital stay (5 days): $17,800
- Prescription medications: $250
- Trip interruption (unused tour days): $1,200
Total Paid by Insurer: $19,250 (medical + non-medical combined)
All-Inclusive Travel Insurance (Multiple Claims in One Trip)
Profile:
- Traveller: Family of four from Edmonton on a 2-week vacation in Florida
- Policy: All-inclusive travel insurance (medical, trip cancellation/interruption, baggage)
- Trip Cost: $9,500 CAD
Incident:
On day 3, their rental car was broken into and luggage stolen. On day 5, one child developed pneumonia and needed hospitalization, forcing them to return early.
Claim Outcome:
- Stolen baggage: $1,800
- Hospital stay for child: $4,600
- Flight change fees & unused hotel nights: $2,400
Total Paid by Insurer: $8,800
Life Insurance
Nader, A. :
Nader, 37, is a marketing manager at a tech company in Vancouver. For years, he had been concerned about securing his family’s financial future but had never found the time to seriously research life insurance. One day, while at a café, he ran into his old friend Bijan, who had recently gotten married and just had a child.
Bijan happily shared how he had obtained a long-term life insurance policy with $450,000 coverage through Rahimian Insurance Company, and how it now gave him a greater sense of peace and security.
When Nader asked how he knew this insurance was right for him, Bijan said, “The experts at Rahimian Insurance recommended the best plan based on my needs and life situation. Since I got it, I feel much more at ease.”
Always concerned about finances, Nader decided to contact Rahimian Insurance himself and schedule a consultation. During the session, our experts carefully reviewed Nader’s financial and family situation and offered a plan tailored to his needs.
Nader chose a plan with $450,000 coverage and a reasonable monthly premium.
After starting the payments, Nader realized that investing in life insurance is not just a cost, but also a form of savings and a guarantee for the future.
He says:
“If it weren’t for Bijan and that encounter, I might still be worried about my family’s financial future. But now I feel secure, and I recommend my friends try this path too.”
Term Life Insurance Claim (20-Year Term)
Profile:
- Policy Type: 20-year term life
- Coverage Amount: $500,000
- Policyholder: 42-year-old male, IT project manager, non-smoker
- Premium: $45/month
- Beneficiaries: Spouse & 2 children
Incident:
12 years into the policy, the insured suffered a fatal heart attack during a business trip to Calgary. He had no pre-existing conditions at policy issue, and premiums had been paid on time.
Claim Outcome:
- Death certificate and claim form submitted within 2 weeks
- Claim processed in 14 business days
- Full $500,000 tax-free benefit paid to the spouse
- Funds used to pay off mortgage and set up an RESP for the children
Key Takeaway: Term life provides affordable protection for a fixed period, ideal for replacing income during working years.
Whole Life Insurance Claim (Participating Policy)
Profile:
- Policy Type: Participating Whole Life
- Coverage Amount: $250,000 (with paid-up additions through dividends)
- Policyholder: 58-year-old female, business owner
- Premium: $210/month (level for life)
- Beneficiaries: Two adult children
Incident:
At age 76, the policyholder passed away from cancer after a short illness. She had held the policy for 18 years, and annual dividends had been used to purchase paid-up additions, increasing the death benefit.
Claim Outcome:
- Death benefit at claim: $315,000 (base coverage + paid-up additions)
- Tax-free lump sum paid to both children equally
- Beneficiaries also received a dividend payment for the final policy year
- Proceeds used to cover funeral costs, pay off debts, and supplement retirement savings of the children
Key Takeaway: Whole life offers lifetime coverage with cash value growth and potential death benefit increases through dividends.
Universal Life (UL) Insurance Claim
Profile:
- Policy Type: Universal Life with Level Cost of Insurance (COI)
- Coverage Amount: $1,000,000
- Policyholder: 45-year-old physician
- Premium: $750/month (with excess funding for investment portion)
- Beneficiaries: Spouse (primary), charity (secondary)
Incident:
At age 62, the policyholder died in a car accident. The investment portion of the UL policy had grown significantly over the years due to consistent overfunding and strong market performance.
Claim Outcome:
- Base death benefit: $1,000,000
- Investment account value: $240,000
- Total payout to spouse: $1,240,000 tax-free
- As per policy instructions, $50,000 of the payout was directed to the chosen charity
- Spouse invested the remaining funds for retirement income
Key Takeaway: UL combines life insurance protection with tax-advantaged investment growth, allowing for larger death benefits and flexible planning.
Life Insurance-Business Owners
Key Person Life Insurance – Technology Firm
Scenario:
A Toronto-based software company insured its co-founder under a $2 million key person life insurance policy. When the co-founder unexpectedly passed away from a heart attack, the policy paid the benefit directly to the corporation.
Impact:
- The funds were used to hire an interim CTO, cover recruitment costs, and reassure investors.
- The payout stabilized the company’s cash flow and prevented a loss of contracts.
- Without the policy, the company risked losing major clients and investor confidence.
Buy-Sell Agreement – Dental Clinic
Scenario:
Two dentists in Vancouver jointly owned a clinic in Vancouver. They had a corporate-owned life insurance policy funding their buy-sell agreement. When one partner died in a car accident, the insurance proceeds provided liquidity.
Impact:
- The surviving partner used the payout to purchase the deceased partner’s shares from the estate.
- The clinic remained under one owner without financial strain or family disputes.
- The deceased partner’s family received a fair market value payout quickly, without forcing a sale of the business.
Collateral Assignment – Construction Business Loan
In the city of Calgary, the construction company “StrongBuild” was rapidly growing with its ambitious projects. The company’s owner, Mr. Raoul Manuel, was always concerned about securing financing for his projects and ensuring job security for his employees. To fund one of its largest development projects, the company obtained a $3 million loan from the bank, and naturally, the bank required the owner’s life insurance policy to be assigned as collateral for the loan. With careful consultation from Rahimian Insurance, a policy was designed and issued that not only provided the right amount of coverage but was also structured both technically and legally to be fully enforceable under any circumstances.
One day, in a sudden and tragic accident, Raoul lost his life, leaving the company and its employees at serious risk. At any moment, without financial support, the projects could have come to a halt, leading to severe economic problems. However, the life insurance policy promptly came into effect, and the amount needed to repay the loan was paid directly to the bank, ensuring that the company’s operations continued without disruption.
Raoul’s family was also protected: not only were the debts cleared, but ownership of the company was transferred to them without financial pressure. The employees were able to keep their jobs, and the projects continued as before. This experience demonstrated that a carefully designed and properly issued life insurance policy, with comprehensive coverage, is not only a financial safeguard but also a guarantee of stability and security for all stakeholders.
Shared Ownership Critical Illness + Life Insurance – Law Firm
Scenario:
A Montreal law firm insured a senior partner under a joint life and critical illness policy (corporately structured). The partner was later diagnosed with a severe stroke and passed away 18 months later.
Impact:
- The critical illness benefit funded temporary replacement lawyers during his recovery.
- Upon death, the life insurance proceeds funded a buy-sell arrangement and succession planning.
- The firm avoided costly litigation and disruption.
Executive Bonus Plan – Retention Strategy
Scenario:
A Toronto marketing agency set up a corporate-owned life insurance policy on its VP of Sales as part of a retention package (Executive Bonus Plan).
Claim:
The VP unfortunately died in a plane crash.
Impact:
- The corporation received the death benefit.
- A portion was structured to provide a tax-free benefit to the VP’s family, fulfilling the company’s promise of financial security.
- The agency also used the proceeds to fund recruitment and training costs.
Critical Illness
Heart Attack in Mid-Career
- Insured: Male, age 45, non-smoker
- Occupation: Civil Engineer
- Coverage: $100,000 Critical Illness Insurance (covers 25 conditions)
- Event: After experiencing chest pain, the client was diagnosed with a myocardial infarction (heart attack) confirmed by a cardiologist.
- Outcome: The claim was approved within three weeks of submitting medical reports.
- Benefit Paid: $100,000 lump-sum, tax-free.
- Impact: Allowed the client to take a full year off work for recovery, pay off the remaining $45,000 mortgage balance, and cover living expenses without dipping into retirement savings.
Breast Cancer Diagnosis
- Insured: Female, age 38, non-smoker
- Occupation: Small Business Owner (Boutique Clothing Store)
- Coverage: $75,000 Critical Illness Insurance (with return of premium on death)
- Event: Detected invasive breast cancer during routine screening. Required surgery, chemotherapy, and radiation.
- Outcome: Claim approved after pathology confirmation.
- Benefit Paid: $75,000 lump-sum, tax-free.
- Impact: Paid for a part-time store manager during treatment, covered medical travel costs, and allowed her to spend more time with her family without financial stress.
Multiple Sclerosis (MS)
- Insured: Male, age 32, non-smoker
- Occupation: IT Consultant
- Coverage: $50,000 Critical Illness Insurance
- Event: Neurologist diagnosed Multiple Sclerosis after MRI scans confirmed lesions on the central nervous system.
- Outcome: Claim approved as MS is a covered condition.
- Benefit Paid: $50,000 lump-sum, tax-free.
- Impact: Paid off student loans and covered home modifications (grab bars, accessible bathroom) to accommodate mobility changes
Stroke
- Insured: Female, age 56, non-smoker
- Occupation: Teacher
- Coverage: $100,000 Critical Illness Insurance
- Event: Suffered a stroke that caused partial paralysis on the left side of her body. Diagnosis confirmed by MRI and neurologist reports.
- Outcome: Claim approved after 30-day survival period.
- Benefit Paid: $100,000 lump-sum, tax-free.
- Impact: Paid for intensive physiotherapy, speech therapy, and allowed early retirement without income loss.
Child Critical Illness
- Insured: Child, age 10 (covered under parent’s Child Rider on Critical Illness policy)
- Coverage: $25,000
- Event: Diagnosed with Leukemia. Required long-term hospitalization and treatment at a children’s hospital.
- Outcome: Claim approved within two weeks after medical confirmation.
- Benefit Paid: $25,000 lump-sum, tax-free.
- Impact: Covered travel and accommodation costs for parents during hospital stays, allowing them to be present with their child full-time without financial strain.
Organ Transplant
- Insured: Male, age 50, non-smoker
- Occupation: Accountant
- Coverage: $150,000 Critical Illness Insurance
- Event: Diagnosed with end-stage liver failure due to a non-alcohol-related condition and placed on the transplant list. Underwent a successful liver transplant.
- Outcome: Claim approved after confirmation by transplant team and survival beyond the 30-day period post-surgery.
- Benefit Paid: $150,000 lump-sum, tax-free.
- Impact: Covered lost income during recovery, paid for home nurse visits, and funded additional post-surgery treatments not covered by provincial healthcare.
Disability Insurance
The Construction Worker Denied by WSIB
Ali, a construction worker, injured his back—but didn’t report it right away. When he finally filed the claim, WSIB denied it due to delayed reporting and lack of medical documentation. He didn’t have private insurance and faced serious financial stress.
The Office Manager Who Qualified for CPP-D
Sarah, a 45-year-old office manager, was diagnosed with multiple sclerosis. She could no longer perform full-time work. Because she had contributed to CPP consistently, she qualified for CPP Disability. Her private LTD plan also kicked in after 120 days, helping cover her monthly bills.
The Self-Employed Consultant with No Protection
Mina, a self-employed financial consultant, thought she didn’t need disability insurance. When she had a stroke at 50, she lost months of income. Without any CPP-D (not enough contributions) or private insurance, she had to rely on savings and family support.
Dentist – Class 4 (White Collar) – Sickness
Situation:
Dr. L., a 42-year-old dentist in Toronto, developed severe hand tremors due to early-onset Parkinson’s disease. Within months, fine motor skills required for dental procedures became impossible.
Claim:
Her own-occupation disability policy (Class 4 rating) paid $7,500/month tax-free after the 90-day elimination period. Since it was own occupation, she could work part-time as a lecturer without affecting benefits.
Without Coverage:
Loss of income of $250,000/year, business loan repayment issues, and forced sale of her dental practice.
Truck Driver – Class 2 (Heavy Manual / Higher Risk) – Accident
Situation:
Mr. S., a 38-year-old long-haul truck driver from Alberta, suffered multiple fractures after a highway collision caused by black ice. Doctors confirmed he would be unable to sit for extended hours due to spinal injury.
Claim:
His any-occupation policy (Class 2 rating) paid $4,200/month for 18 months. After medical reassessment, the insurer supported retraining for a dispatcher role, with partial benefits continuing during transition.
Without Coverage:
No EI sickness benefits after 15 weeks, loss of home due to inability to pay mortgage.
Construction Site Foreman – Class 2 (Manual) – Heart Attack
Situation:
Mr. K., 50, had a sudden heart attack at work. Recovery required 9 months off and lifestyle changes, making him unfit for high-stress physical site supervision.
Claim:
His group LTD plan covered 67% of salary up to $5,000/month, taxable, plus rehab program costs.
Without Coverage:
Would have had to depend solely on CPP Disability ($1,538/month in 2025) — not enough for living expenses in Vancouver.
Software Engineer – Class 4 (White Collar) – Mental Health
Situation:
Ms. A., 34, a senior software engineer in Calgary, experienced severe burnout and major depressive disorder after prolonged overtime on a large project.
Claim:
Her private LTD policy covered her full salary replacement of $6,800/month tax-free after the 120-day elimination period. Benefits continued while she underwent therapy and a gradual return-to-work program.
Without Coverage:
Would have relied only on Alberta Disability Insurance (short term) and personal savings.
Small Business Owner – Class 3 (Skilled Trade) – Cancer
Situation:
Mr. H., 45, an HVAC business owner in Ontario, was diagnosed with Stage 3 colon cancer. Treatment required chemo every two weeks for 8 months, making it impossible to manage his business.
Claim:
His Overhead Expense Disability Insurance covered $3,000/month in rent, utilities, and salaries for staff, while his LTD policy paid $5,500/month personal income replacement.
Without Coverage:
Would have had to close the business, lay off employees, and lose long-term clients.
Children and Teens Insurance
Leukemia diagnosis in Artin
I am Narges, the mother of a 10-year-old boy named Artin. I never imagined I would one day have to spend nights beside a hospital bed, worrying about my child’s small, fragile breaths. When the doctors diagnosed leukemia and said that Artin would need long-term hospitalization, my heart sank, and anxiety and fear overwhelmed me. The question that kept repeating in my mind was: “How can I cover all these expenses while also staying by his side?”
In those difficult moments, I remembered the child rider insurance I had purchased for Artin through Rahimian Insurance, after thorough technical and medical review. This policy, with a benefit of $25,000, was designed to help parents stay with their child in critical times without financial worries. At that very moment, some of the burden of anxiety lifted, allowing me to focus on caring for him and being constantly present at his side.
During the weeks of hospital care and my short periods of rest, I often reflected on the true value of this financial support. The $25,000 lump-sum, tax-free benefit enabled us to cover travel and accommodation near the hospital. This support provided not only financial relief but also deep emotional peace for me and my husband, giving us the strength to remain focused and hopeful until our son recovered.
My experience in summary:
- Insured: 10-year-old child (covered under the child rider of the parent’s insurance policy)
- Coverage: $25,000
- Event: Diagnosis of leukemia and the need for long-term hospitalization at the children’s hospital
- Outcome: Claim approved two weeks after submitting medical documents
- Payout: $25,000 lump-sum, tax-free
- Impact: Covered travel and accommodation costs for the parents during the child’s hospitalization, allowing them to remain fully present without financial worries
This experience showed me that insurance is more than a financial contract; it is a true companion in life’s most critical moments—one that enables care without the burden of financial stress.
Diagnosis of Autism in James
The day Aylin and her husband Ryan found out they were expecting a child, their joy knew no bounds. They had been trying to have a baby for ten years, and three years earlier, after discovering fertility issues, they had begun infertility treatments. Now, after a decade, their sweet dream was finally coming true.
To celebrate the good news, Aylin and Ryan decided to host a party. Sarah, Ryan’s cousin, after congratulating them and wishing health for their baby, suggested that before their child was born, they should purchase critical illness insurance for him. Three months later, Aylin and Ryan finalized the policy, and one month after their son was born, they made their first premium payment.
From James’s toddler years, Aylin and Ryan began noticing unusual behaviors, but they attributed them to normal differences among children. At age three and a half, they were told that James had been diagnosed with autism.
The difficult days had begun for Aylin and Ryan. Fortunately, in Canada, a large part of medical costs and even special schools for children with autism are covered, but caring for a child with autism is never easy. Additional expenses still fall on the parents’ shoulders. More importantly, a child with autism requires constant care. One parent must be present full-time to support not only their communication skills but also their emotional needs.
Could Aylin resign from her job? What about Ryan? They both worked full-time to cover living expenses and pay debts and the mortgage on the house they had just bought. Even considering resignation seemed impossible.
Aylin and Ryan were so consumed by the crisis that they completely forgot about the insurance they had purchased for James. At another gathering, when Aylin spoke with Sarah about their recent struggles, Sarah was surprised and asked why they weren’t using their insurance.
One of the 32 covered conditions in their policy was, in fact, autism. Based on the physician’s diagnosis of the illness listed in the contract, the insurance could provide a tax-free lump-sum payment equal to the purchased benefit amount.
The very next day, Aylin and Ryan submitted their claim. A week later, Aylin resigned from her job to devote her time to caring for James.
