Table of Contents:
- About This Insurance
- Simple Assessment Form
- Benefits
- Conditions
- Coverage
- Premium Rate
- Policy Changes After Issuance
- Real-Case Examples
- FAQ
About This Insurance
In addition to immigrants coming to Canada for permanent residence, many others visit the country as tourists or guests. Depending on the nature of the trip and visa regulations, they may require travel insurance for visa approval and to cover medical expenses.
The most important thing not to forget when packing your bags is travel insurance. Whether you’re traveling for business or leisure, choosing the right travel insurance ensures you travel with peace of mind and security.
Travel insurance in Canada is ideal for:
- Visitors to Canada (tourists)
- Newcomers to Canada waiting for their provincial health coverage
- Canadian residents who have lost their provincial health coverage and are waiting to regain it
- International students with a study permit
- Foreign workers with a work permit
- Participants in Hazardous Sports
Regardless of whether you are visiting our great country for the first time, or if you have already been here before, we offer you the opportunity to choose from an array of travel insurance products, in order to travel in peace and stay healthy while you do.
Simple Assessment Form
To choose the best and most suitable insurance plan and receive an accurate quote, please complete the form below.
***Why is it important to provide accurate personal information in the insurance form? ***
Benefits:
- Coverage for medical and hospital inpatient expenses
- Payment for outpatient medical treatments
- Ground and air ambulance services
- Coverage for prescription medications and treatments
- COVID-19 coverage
- Emergency dental care expenses
- Coverage for therapies such as physiotherapy, massage therapy, and chiropractic care when prescribed by a physician
- Medical evacuation or repatriation of the insured person
- Repatriation of the deceased’s body
- 24/7 emergency assistance service
Conditions:
Suitable for all ages
Coverage:
This insurance provides coverage up to one million dollars. Based on company and plan you have, coverages are including:
- Vision Care And Hearing Aids
- Emergency Medical Treatment
- Physician
- X- Ray Examinations
- Prescription Drugs
- Essential Medical Appliances
- Private Duty Nursing
- Covid 19
- Follow up Visit
- Fracture Treatment
- Professional Medical Services , Physiotherapist , Chiropractor, Chiropodist, Osteopath, Podiatrist, Optometrist ,Acupuncturist
- Dental Services
- Remote Evacuation
- Emergency Air Transportation
- Return Pets
- Emergency sickness and Accident
- Hospitalization
- Ambulance services
- Repatriation
- Family Transportation
- Return Of Vehicle
Premium Rate:
Daily premiums for Canadian visitor insurance start at CAD 1.64. The exact rate depends on factors such as age, coverage amount, deductibles, health status, and the insurance provider.
Policy Changes After Issuance:
Usually, changes are possible.
It is simple for us to help you choose a good plan, depending on your needs, expectations and budget, as we are an excellent source of information and service.
Real-Case Examples
Mahnaz S. :
Last year, my father was visiting me when, shortly after, he suffered a ruptured coronary artery and had to undergo major surgery. All hospital expenses were covered by the insurance. 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…
FAQ
Should I buy travel insurance from Iran or Canada?
It is recommended to buy from Canada because:
- Ensuring proper coverage is crucial and differentiates travel insurance plans. Neglecting this may result in lack of coverage when you need to make a claim.
- Insurance issued in Canada is usually priced on a daily basis, whereas policies from Iran are typically offered in 3-month packages and cannot be renewed once expired.
- Canadian insurance policies take into account your medical history and it is trackable when making a claim; policies issued from Iran generally do not cover pre-existing conditions.
- Claims in Iranian-issued insurance are often calculated in Euros.
- Canadian insurance companies provide 24/7 claims support. If anything happens, insured individuals can contact the claims department at any time. Iranian insurance companies usually do not have offices in Canada, so telephone contact is difficult.
- In Canadian insurance, insured individuals may not have to pay out-of-pocket even for outpatient claims.
- Travel insurance in Canada is available in various forms to suit different needs.
- Our goal is not only to sell insurance but to provide adequate coverage and excellent service. All customer requests are thoroughly reviewed by our technical and medical team before providing advice and issuing the required insurance.
I have a credit card, so do I already have travel insurance?
Not necessarily. Insurance is a legal contract. It’s recommended to review your insurance policy and the credit card’s travel coverage terms. Some credit cards offer limited coverage that is not comprehensive. We provide consultation to help you choose the best option. Important limitations of credit card coverage include no coverage for pre-existing conditions, age limits, coverage duration limits, and lack of COVID-19 coverage.
I have group insurance. Do I still need separate travel insurance?
Many individual and group supplementary insurance plans include travel insurance coverage, which varies based on the contract. Reviewing your group insurance policy carefully can help you decide if you need additional travel insurance.
My trip has been extended and my insurance is about to expire. What should I do?
You can purchase insurance coverage for exactly the length of time you need. It is important to understand the quality and quantity of your current coverage. If you require additional time, we can issue insurance for the extra period. For extending your Canadian visa, please visit the official Government of Canada website here.
Does it matter from whom I buy insurance?
Yes. Just like other important life decisions where you seek advice from licensed and specialized consultants, you should do the same for insurance. After filling and submitting the form on this page, we will select the most suitable insurance plan based on your needs.
Is my provincial government insurance enough?
Provincial government insurance may not cover medical costs when you are outside your province or may only cover a small portion of your medical expenses. Hospitals outside your province or country can be very expensive and may require immediate cash payment.
Can I get one insurance policy for all my travels within the provinces and outside Canada?
Yes. For example:
Mr. Keshvari plans to visit his first child in Toronto next month, then visit his second child in Quebec. After a few days in Quebec, they all travel to Alberta and then to Vancouver to see the Rocky Mountains. Their final destination is Cuba, and after a week there, they return to Canada and then head back to Iran.
After completing the insurance form on this page, Mr. Keshvari will receive coverage starting from the airport in Iran, covering all Canadian provinces they travel with his children, plus Cuba, and returning to Iran. He will be fully covered for COVID-19, accidents, and illnesses both inside Canada and Cuba throughout all trips.
What is a deductible and how can I reduce my insurance cost?
A deductible is the amount you pay out of pocket before insurance coverage applies. Usually, this amount is fixed but some policies allow you to choose. In other words, the deductible is the part of the claim payment you are responsible for. For example:
Mr. Bijan traveled from the UK to Canada for 30 days and needed medical care costing $3,850. Insurance options for Bijan:
Coverage of $50,000:
- $0 deductible: $100 monthly premium
- $1,000 deductible: $78 monthly premium
Coverage of $100,000:
- $0 deductible: $150 monthly premium
- $1,000 deductible: $114 monthly premium
- With $0 deductible, the insurance covers the full hospital cost.
- With $1,000 deductible, the insurance pays $2,850 and Bijan pays $1,000.
These numbers are examples only. For an accurate quote and suitable insurance, always contact us first. We have over 20 years of experience in various insurances available to you.
Important notes about deductibles:
- Choosing a deductible depends on your age, insurance duration, coverage amount, premium rate, and your personal choice.
- For low coverage amounts, it is recommended to avoid deductibles since even though premiums are lower, you pay part of the claim yourself. With a $0 deductible, you pay nothing when making a claim, and the insurance company covers all hospital expenses.
- Adjusting deductible amounts is a common way to reduce insurance premiums and is applicable in most insurance types such as auto, home, visitor travel, and super visa insurance.
- Deductible amounts vary and can be $0, $50, $75, $100, $250, $500, $1,000, $2,500, $3,000, $5,000, $10,000, or even $25,000.
- In Canada, deductibles are calculated in Canadian dollars; outside Canada, they are calculated in US dollars.
What is the waiting period for insurance?
Every insurance has a waiting period during which the coverage is not yet effective. For visitor insurance to Canada, this period is usually 48 hours, one week, or two weeks, depending on the policy type, age, start time, and purchase time. Pay close attention to your insurance start date and coverage amount to ensure it fits your needs. It is recommended to buy insurance as soon as your travel plans are confirmed. This way, you can have immediate coverage for accidents and illnesses without waiting. Unfortunately, many have experienced unfortunate events during the waiting period and despite having insurance, they were not covered. The saying “Don’t put off until tomorrow what you can do today” truly applies here.
What makes a good travel insurance?
- Easy to purchase
- Flexible and adjustable
- Suitable for your needs, age, health status, and travel duration
- Reputable and reliable
- Provides 24/7 medical assistance so you can count on it in emergencies
- Although travel insurance is calculated based on individual information, it can sometimes be purchased as a family plan
