Travel Emergency Medical, Trip Interruption
and Super Visa Insurance
An Emergency Room visit in Canada can range from $700 CAD and up?
An Outpatient visit to a Walk-in Clinic or Urgent care clinic can range from $125 and up?
... All of this excludes other services rendered such as diagnostics, scans and medications?
Travel Emergency Medical Insurance
Travellers to Canada need to be mindful that Canada's healthcare system may be free - but is only free if you are eligible for it. Otherwise, Visitors to Canada may face thousands in dollars on medical bills if they are not careful.
Trip Interruption Insurance is a type of travel insurance that provides coverage in the event that your trip is interrupted or cut short due to unexpected circumstances beyond your control. These circumstances may include things like illness or injury, severe weather, natural disasters, or other unforeseen events.
With Trip Interruption Insurance, you can be reimbursed for any non-refundable expenses related to your trip, such as the cost of airfare, hotel reservations, or tour packages. Depending on the policy, you may also be covered for additional expenses, such as meals, transportation, and accommodation if you are stranded or delayed due to an unexpected event.
Did you know...
Trip Interruption and Cancellation Insurance
Emergency medical treatment: This may include coverage for hospital stays, doctor visits, diagnostic tests, and prescription medications.
Medical evacuation: If you become seriously ill or injured and require emergency transportation to a medical facility, your insurance policy may cover the cost of medical evacuation.
Repatriation: If you pass away while traveling abroad, your insurance policy may cover the cost of repatriating your remains back home.
24/7 emergency assistance: Many travel insurance policies offer 24/7 emergency assistance services, such as access to medical professionals who can provide advice and assistance in the event of a medical emergency.
It's important to note that Trip Interruption Insurance typically only covers expenses that are non-refundable or non-recoverable through other means, such as refunds or travel vouchers. Before purchasing a policy, it's important to carefully review the terms and conditions to ensure that it provides the coverage you need.
Overall, Trip Interruption Insurance can provide peace of mind and financial protection in the event that your travel plans are unexpectedly disrupted.
Travel emergency medical insurance is a type of insurance policy that provides coverage for emergency medical expenses incurred while traveling abroad. It is designed to protect travellers from the high costs of medical care in foreign countries, which can be prohibitively expensive without insurance.
Some of the benefits of travel emergency medical insurance may include coverage for:
Super Visa Insurance
A Super Visa is a type of visa that allows parents and grandparents of Canadian citizens or permanent residents to stay in Canada for an extended period of time, up to two years at a time, with the possibility of multiple entries. To be eligible for a Super Visa, applicants are required to meet certain criteria, including the purchase of private medical insurance.
The medical insurance requirement for a Super Visa is one of the most important eligibility criteria. Previously, applicants were required to purchase private medical insurance only from a Canadian insurance company. Applicants are required to purchase private medical insurance from a Canadian insurance company that provides a minimum coverage of $100,000 for a period of at least one year.
The insurance policy must also meet certain other requirements, such as:
Coverage for health care, hospitalization, and repatriation: The policy must cover the costs of health care and hospitalization for the entire period of stay in Canada, as well as repatriation expenses in case of a medical emergency.
Validity and renewable: The policy must be valid for the entire duration of the Super Visa, which can be up to ten years, and must be renewable.
Coverage for pre-existing conditions: The policy must provide coverage for pre-existing medical conditions that the applicant may have, if any.
Confirmation of coverage: The insurance company must provide written confirmation of coverage to the applicant, which must be presented to the visa officer when applying for the Super Visa.
The medical insurance requirement for a Super Visa is in place to ensure that applicants are not a burden on the Canadian healthcare system, and to provide financial protection in case of a medical emergency. The cost of medical care in Canada can be high, and without insurance, applicants may face significant financial hardship if they require medical treatment.
It is important to note that the medical insurance requirement for a Super Visa is mandatory, and failure to meet this requirement can result in the application being refused. Therefore, it is essential to purchase a comprehensive medical insurance policy from a reputable Canadian or approved foreign insurance company that meets all of the Super Visa requirements.
[NEW – IRCC UPDATE, January 28, 2025]
As of January 28, 2025, Immigration, Refugees and Citizenship Canada (IRCC) allows Super Visa applicants to purchase a private health insurance policy from companies outside Canada, provided that:
The policy is issued by a foreign insurance company authorized by the Office of the Superintendent of Financial Institutions (OSFI) to provide accident and sickness insurance
The company appears on OSFI’s list of federally regulated financial institutions
The policy is issued under the company’s insurance business in Canada
This change makes the Super Visa more accessible by giving applicants more choice and potentially more competitive rates, while still ensuring they have adequate health coverage for their stay in Canada.
You can check the current OSFI list of approved insurers here and read the full IRCC announcement here.