Key Things Visitors to Canada Should Know About Travel Insurance

Are you planning a trip to Canada? Or are you a Canadian resident, expecting visitors from outside the country? Either way, you or your guests will need visitors to Canada travel insurance to protect yourself and your loved ones in the event of an accident or medical emergency. In fact, the Canadian government recommends that all visitors buy health coverage before coming to Canada.

Wondering what coverage for visiting Canada is right for you? Read on to get the answers you’re looking for.

Why do visitors to Canada need travel insurance?

You may already have health care coverage in your own country, but that protection might not travel with you. Canada is known for its inclusive healthcare system, but non-residents aren’t covered for accidents or medical emergencies. With medical coverage, you or your visiting guests will be able to relax without worrying about the cost of a clinic or hospital visit.

This real-life example shows how having travel medical coverage saved Sebastian money, and helped him get the appropriate care, when he unexpectedly ended up in a Canadian hospital due to gallstones.

3-year-old Sebastian’s Gallstones Led to Surgery with Complications

Sebastian was visiting Canada from Switzerland, when he started experiencing acute upper abdominal pain. His family took him to the hospital where he was diagnosed with gallstones, requiring surgery. As a result of the surgery, Sebastian got an infection and sepsis, so he had to stay in the hospital for 14 days. After he was released, Sebastian had to return to the hospital daily for IV antibiotic therapy for another seven days.

Claim amount paid by Insurer: $66,195.74

Who should get Visitors to Canada Travel Insurance?

Visitors to Canada Travel insurance isn’t just for visitors! It’s also beneficial to the following individuals: · New immigrant who is waiting for your provincial healthcare plan to kick in

  • Canadian citizen who has recently returned to Canada after living abroad (you may need emergency travel medical insurance for a few months until your provincial healthcare plan coverage takes effect)
  • Visitor to Canada on a working visa

What kind of coverage should I look for in a travel insurance plan for visiting Canada?

Here’s a handy list to show you exactly what you should be looking for in a travel insurance plan for visiting Canada:

  • Hospital care and treatment for injuries and illnesses including COVID-19**:
    • Doctor’s services
    • Ambulance services
    • X-rays and other diagnostic laboratory procedures
    • Prescription drugs
    • Essential medical supplies such as crutches
  • Fracture treatment benefit
  • Other professional medical services like physio, etc. to relieve an acute emergency
  • Emergency dental services
  • Maternity – pre-natal care, delivery and/or complications
  • Hospital allowance for incidental charges like TV rental, etc.
  • Emergency air transportation (must be pre-approved and arranged by us)
  • Airfare to return home for treatment
  • Return of travelling companion
  • Return of dependent children
  • Family transportation
  • Out-of-pocket expenses for accommodation, meals etc.
  • Return of vehicle
  • 24-hour accident insurance, up to $25,000
  • Up to 5 follow-visits within 14 days of the initial emergency medical treatment
  • Travel worldwide, as long as the majority of your trip is in Canada.

A comprehensive travel insurance plan should check off all the above. If you’re looking for additional coverage, there are also non-medical options available like Trip Cancellation & Trip Interruption, Sports and Activities Optional Coverage, which can be added to Ingle International Visitors to Canada Emergency Medical or Trip Cancellation & Trip Interruption Insurance and Trip Interruption Insurance Only plans.

Whether you’re travelling to Canada, or you’re expecting international guests, be sure to get the coverage you need. Visit Visitor to Canada Insurance to get your quote today!

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