Visitor or visitors medical insurance, returning Canadians or those awaiting Canadian Provincial Health Care Coverage  should insure against unexpected emergency medical costs.  Relatives of Visitors to Canada should ensure that their Visitors have valid Canadian Insurance for Canada or side trips to the USA.   A visitors policy which covers pre-existing conditions is far superior to one which does not!  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. If the Broker competing for your business does not discuss pre existing conditions coverage options, then call us! We wil!

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

We sell  limits up to $150,000 CAD and more, but if you are on a budget you can by a policy as low as $10,000 limits.  If premium is a factor in your buying decision, it is better to buy a lower limit policy than no coverage at all.  It is imperative that you secure a policy which will cover pre-existing conditions. We can cover most, but not all pre existing conditions with a select few of our companies.

Premiums are determined by age, limit of coverage, and length of stay.  Sometimes specially underwritten policies for 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 related insurance.  (Sorry we don't sell house, car, boat insurance!).

Call us today to get easy to understand explanations on Visitors to Canada Insurance, rates, and yes, we can take your application over the phone too!

VISITORS TO CANADA MEDICAL INSURANCE :

1. 21st Century - Manulife Travel - Visitors Plans
2. ETFS MEDI SELECT -Royal, Sun Alliance 
3. TIC BON VOYAGE -SOVEREIGN GENERAL 
4. Travel Underwriters Freedom                                                                                                                                                                                                   5.  Travel Underwriters Platinum Visitors Plans, offering Pre existing conditions to age 79
5. Manulife  Financial 
6. Blue Cross

We also have Travel Rite and ACA Assurance

NOW IS THE TIME TO ARRANGE YOUR MEDICAL INSURANCE!

If you haven't arranged your travel medical insurance for your 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.

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! 

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: 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 North America
Business: 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.

(c) 1996-2008. Revised  June 30, 2008.