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 who come to Canada for permanent residence, some individuals arrive with a work visa and get a work permit, staying in Canada temporarily. These individuals may be eligible for public health insurance, which is provided by the province of residence and covers basic medical expenses such as doctor visits, emergency services, and hospitalization. However, access to this coverage may be subject to a waiting period (typically around three months), and in some cases, specific conditions such as the length of the work permit, employment status, or job type may affect eligibility. In contrast, private health insurance, offered by Rahimian Insurance, can be extremely beneficial during the waiting period or for additional coverage such as prescription drugs, dental care, physiotherapy, and vision services. Therefore, it is highly recommended that work permit holders obtain private insurance, especially during the initial months of their stay in Canada, to ensure full access to healthcare services.
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.
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
In some provinces, having a job offer or an employment contract from a Canadian employer is mandatory.
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.
Real-Case Examples
Story told by Ms. Carla M.
I am 27 years old and came from Mexico to Banff, Alberta to work in the hospitality sector. My job was demanding and full of responsibilities, but I always tried to do everything correctly and in an organized way. As soon as I arrived in Canada and before starting work, I purchased Work Permit Holder Insurance for Canada with $100,000 coverage and no deductible.
That morning, I started feeling a vague pain in my abdomen that gradually became more intense. At first, I tried to ignore it and keep working, but the pain kept getting worse to the point where I could hardly walk. I felt I had to get to a hospital quickly, but fear and anxiety completely overwhelmed me—the pain itself, being alone in a foreign country, and the thought of possible medical costs were truly distressing. Fortunately, one of my colleagues, through whom I had obtained the insurance, was aware of my private coverage. Before the ambulance arrived, she informed the insurance company about my condition and hospital transfer.
After being admitted to the hospital, doctors diagnosed acute appendicitis, and I was immediately taken into surgery. The operation was successful, and since my policy had been issued properly and my colleague notified the insurer on time, all the high medical and surgical expenses were paid directly to the hospital by the insurance provider.
The treatment costs included:
- Emergency care & tests: $1,600
- Surgery & anesthesia: $8,700
- Hospitalization (2 days): $3,300
- Medication: $220
Amount paid by insurer: $13,820 (100% covered).
During those days in the hospital room, once the pain subsided and I felt I could finally breathe again, I truly realized what it means to have the right and specialized insurance. The expertise of the Rahimian Insurance team was not just about selling policies, but about careful technical and medical review and designing the most suitable coverage. That made it possible for me, in the hardest of moments, to feel financially secure and to have the peace of mind to focus solely on my recovery.
If you also plan to come to Canada for work or temporary living, my advice is to make sure you have the right insurance. This decision can be the real support that, in critical moments, protects your life, health, and peace of mind—for you and your loved ones.
FAQ
What is an insurance waiting period?
Every insurance policy has a waiting period during which the coverage is not yet active and has no value. For visitor insurance to Canada, this waiting period typically ranges from 48 hours, one week, two weeks, or a few months depending on the policy type, age, start date, and the time of purchase. It is important to pay close attention to the timing of your insurance purchase and ensure that the coverage duration and amount are suitable for your needs. It is strongly recommended to purchase insurance as soon as your travel plans are confirmed. This way, you can be covered for both accidents and illnesses without worry or delay. There have been many cases where individuals faced unfortunate incidents during the waiting period and, despite having insurance, were not covered because the policy had not yet become active. The saying “Don’t put off until tomorrow what you can do today” truly applies here.
