Visitors to Canada or returning Canadians and temporary workers should insure against unexpected emergency medical costs from sudden sickness or accident.  Relatives of  a visitor to  Canada should ensure that their Visitors have valid Canadian Insurance for Canada or side trips to the USA.   A visitors policy  should also cover  pre-existing medical conditions.  Many senior visitors or returning Canadians have medical histories of one or more of heart, blood pressure, stroke, diabetes, peripheral vascular disease, cancer, gallbladder, liver, kidney disease or other conditions. When shopping for a Visitor To Canada Medical Insurance plan, please be sure to enquire about pre- existing  medical conditions coverage options.

Our Canadian health system is one of the best in the world. But it is very expensive if you do not maintain proper Visitors insurance! Hospitals  in Canada can charge thousands of dollars on overnight stays.

You can purchase up to $1,000,000 limits for Visitors and returning Canadians.   Coverage limits vary from company to company and generally start out at $10,000 or $20,000 per person and up. However buying the cheapest policy might become your most expensive liability.  It is imperative that you secure a policy which will cover pre-existing conditions and the higher the limit, the higher protection you have against unforseen expenses.

Most, but not all pre existing conditions  can be covered by a  few  select companies.  For example, Pregnancy is a common exclusion in all Insurance policies.  When it is available there are some rather strict conditions.  Most companies only provide coverage on NEW conditions.

Premiums are determined by age, limit of coverage, and length of stay.  Sometimes specially underwritten policies for more difficult  pre-existing conditions may be available.   Premium rates will vary only by company or coverage chosen.  Our office is one of the best choices for Visitors to Canada Insurance as we offer so many companies and programs for Travel Medical related insurance. 

 It does not cost any more money to deal direct with our office as opposed to the Insurance Company.  In fact we  are authorized by our contracted insurers to issue the policies on  their behalf.  An electronic copy goes immediately into the  Insurance Company data base, and your own copy is sent out electronically and by mail as well.

Call us today for clear, concise information on Visitors to Canada Insurance, rates and explanations.  We can also take your application over the phone.

VISITORS TO CANADA MEDICAL INSURANCE :

1. 21st Century - Manulife Travel - Visitors Plans
2. ETFS MEDI SELECT -Royal, Sun Alliance 
3. TIC Travel Insurance - Co-Operators Life Insurance
4.  Travel Underwriters Platinum Visitors Plans, offering Pre existing conditions to age 79
5. Manulife  Financial 
6. Blue Cross

NOW IS THE TIME TO ARRANGE YOUR MEDICAL INSURANCE!

If you haven't arranged your travel medical insurance for your Visitor to Canada  trip, you should do so now! As an Insurance Broker, I represent many travel medical insurance companies and plans, which you can purchase prior to or after arrival in Canada. I am not an employee of the company, I am a contracted Broker which means I can place your policy with the best company based on your personal needs.

If you've already arrived in Canada, I do have companies available that will insure you, normally with a short waiting period on sickness. I have plans with no age limits, right to 100 or more! And if you need long periods of coverage, like 365 days at one time, you've reached the right Broker!

21st CENTURY - MANULIFE INSURANCE RATES, WORDING, APPLICATION

FULL DETAILS ON 21St. Century- Manulife Visitors This might be the policy for you! However, don't hesitate to contact me direct on quotations and explanations. Manulife is extremely good for covering certain pre-existing conditions; you can find the details in exclusion #1 of the policy wording. And now Manulife has a Family Plan-just double the rate of the more senior family member, and the plan covers unmarried children under 21. It's like getting free insurance on them! 

TIC Travel Insurance and Travel Underwriters also have pre existing conditions  coverage available in most age groups.

COMMON COVERAGE :(varies by company)

Emergency basis only to cover sudden, unexpected, and unforeseeable circumstances.
Hospital Confinement -for Standard and sometimes semi-private rooms, services and supplies 
Medical Services: Services of a legally licensed MD or Surgeon, Anesthetist, Registered Nurse  Lab tests, x-ray exams, other diagnostic tests  Licensed local air, land or sea ambulance Rental of hospital type bed, crutches, trusses, braces, splints or other approved prosthetic appliances 
Emergency Out Patient services  Drugs or Medicines while hospitalized and a set limit if not hospitalized  Return of Deceased Body to Insureds' residence, or cost of cremation or burial at place of death Accidental Dental -set limits on costs of damage from accidental blow to the face  Air Flight Accident (usually an option) 24 hour Accidental Death or Dismemberment (usually an option) 
 
COMMON EXCLUSIONS: (varies by companies)
On going treatment after emergency sickness or injury is taken care of  Elective, non emergency treatment 
Traveling against Doctors orders (includes sick person not telling his doctor he is traveling)  Certain sports or professional sports activities Pregnancy associated costs  
Pre-existing conditions (check out my Manulife plans listed above, they actually do cover pre-existing conditions for most ages, read the policy for full details, or call us!) 
Injury or sickness resulting from illegal use of drugs or alcohol  Criminal activity Act of War, terrorism, kidnapping, armed forces or exercises  *For full exclusions, coverage limitations, refer to the actual policy wording, this is a brief synopsis only.
 

My office

Disclaimer: The above is a brief description only. Please refer to policies for complete details. It is recommended you speak with a qualified Insurance Broker prior to purchase.

Ray Battiston, BA, CAIB, CIP,  Canadian Visitors to Canada Insurance Broker
Box 510,  7 Red Haven Drive, St Davids, Ontario L0S 1P0  Canada
1-800-526-7420 Toll Free Canada and USA
Local Business Phone: 1 905-262-6575;  mailto:raybattiston@on.aibn.com

Fax 866-614-8753        Business hours: Monday -Friday, 9 AM-5PM EST, closed holidays, you may be able to reach us after hours or weekends by leaving a recorded message.

(c) 1996-2012 Revised April 24,  2012