Visitor
to Canada Medical Insurance from Ray Battiston, Canadian
Insurance Broker
 
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 Freedom Visitors Holiday Package
5. Travel Underwriters Platinum Visitors Plans,
offering Pre existing conditions to age 79
5. Manulife Financial
6. Blue Cross
We also sell CanAM and Tour Med
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
151 Osprey Cres., Callander, Ontario P0H 1H0 Canada
1-800-526-7420 Toll Free Canada
and USA
Local Business Phone: 1 705-752-1723;
mailto:raybattiston@on.aibn.com
Fax 705 752 5198
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. |