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Berkley Canada: Visitors and Immigrants to Canada Insurance

Berkley Standard Core Insurance Calculator

Select visa type *
Applicants
Age
Age
Coverage
Start Date
End Date In New Immigrants/Returning Canadians/Foreign Workers mode, the End Date is set automatically to the minimum amount of days required for the specific province you choose. If you would like to manually set your End Date, please select IEC/Tourist/Visitor/Working Holiday mode.
 
If you have a stable existing medical condition, such as a damaged or sick organ, select Yes. If you do not have an existing medical condition, select No. Conditions that are not stable are not covered. Also, some specific conditions, such as heart disease, may not be covered. Please read this company's full coverage details to determine what pre-existing conditions are covered by this company. Pre-Existing Conditions
 

Berkley: Visitors to Canada Insurance

Standard

Enhanced

Premium

Eligible For

Super Visa, Visitors, New Immigrants, Foreign Workers, International Students, Returning Canadians and IEC / Working Holiday.

Super Visa, Visitors, New Immigrants, Foreign Workers, International Students, Returning Canadians and IEC / Working Holiday.

Super Visa, Visitors, New Immigrants, Foreign Workers, International Students, Returning Canadians and IEC / Working Holiday.

Coverage Amounts

$25,000 / $50,0000 / $100,000

$25,000 / $50,0000 / $100,000 / $150,000

$100,000 / $150,000 / $300,000

Minimum Deductible

Up to 69 y.o.- $0 / 70 to 89 y.o. – $500

Up to 69 y.o.- $0 / 70 to 89 y.o. – $500

Up to 69 y.o.- $500 / 70 to 89 y.o. – N/A

Emergency Hospitalization

Ward rate / ER / Outpatient Treatment

Semi-Private rate / ER / Outpatient Treatment

Semi-Private rate / ER / Outpatient Treatment

Services of Physician, Surgeon, Registered Nurse Up to sum insured Up to sum insured Up to sum insured
Ambulance – Ground / Air Up to sum insured / Covered with approval Up to sum insured / Covered with approval Up to sum insured / Covered with approval
X-Rays & Diagnostic, Laboratory Up to sum insured Up to sum insured Up to sum insured
Rental & Purchase of Medical Appliances Up to $5,000 with prior approval Up to $5,000 with prior approval Covered with prior approval
Prescription Drugs

30-day supply & Up to $500 per prescription

30-day supply & Up to $1,000 per prescription

30-day supply & Up to $1,000 per prescription

Services of Psychologist & Psychiatrist Up to $1,000
Repatriation / Emergency Return Home Covered Covered Covered
Repair of Accidental Dental Damage

Injury $1,000
Non-Injury Pain $300

Injury $3,000
Non-Injury Pain $500

Injury $3,000
Non-Injury Pain $500

Repatriation of Remains

$5,000

$10,000

$10,000

Cremation / Burial

$2,500

$5,000

$5,000

Private Duty Nurse

$5,000 with prior approval

Covered with prior approval

Covered with prior approval

Follow Up Visits

3 Maximum

3 Maximum

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist

Up to $300 per specialist

Up to $500 per specialist

Up to $500 per specialist

Accommodations & Meals

$150/Day,
Maximum $3,000

$150/Day,
Maximum $3,000

Hospital Allowance

$50 a day / Up To $500

$50 a day / Up To $500

Return of Baggage

$500

$500

Accidental Death & Dismemberment

$25,000

$50,000

Flight Accident

$50,000

$100,000

Bedside Transportation

Economy Airfare / $150 daily up to $3,000

Economy Airfare / $150 daily up to $5,000

Return & Escort of Children

Economy Airfare

Economy Airfare

Vaccinations

$100

Physical / Eye Examination

– / –

– / –

$250 per policy year / $100 per policy year

Maternity Benefit

$10,000 per policy year

 

Side-Trips Benefit:


With Visitors to Canada insurance from Berkley, you are covered during your side-trips outside Canada, with an exception of your home-country, for up to 30 consecutive days. In order to be eligible for Side-Trips benefit with Berkley’s policy, you must physically be present in Canada for no less than 51% of your coverage period.

Uninterrupted Flight Coverage:


With Berkley Canada medical emergency insurance policy for Visitors to Canada and Super Visa, your insurance coverage starts on the date of your departure (date indicated on your plan ticket) from your home country, provided that you have purchased the policy prior to starting your trip to Canada.

Moreover, in case your insurance policy is active on the date you return to your country of origin, your Berkley’s insurance coverage will continue until when you land back home, provided that you do not intend to travel back to Canada during the period of insurance coverage.

Trip-Break Benefit:


If you are insured with Berkley Canada and decide to pay a short visit to your home country, your coverage will be resumed without any additional premium once you return to Canada to continue your stay. Please, note that the treatment for any medical condition that originates or you are treated for during your visit is not covered under this policy.

Policy Wording:


Policy Wording is an official document issued by Berkley Canada that outlines main terms of use and provides you with a detailed description of benefits, exclusions and limitations as well as procedures related to making a claim or requesting a premium refund.

 
Please always read this documents carefully and ask us your questions in order to ensure that you understand the way your insurance policy works.

Click to view:

Berkley | Visitors to Canada Policy Wording

Eligibility Requirements:

In order to be eligible for Berkley’s insurance coverage, you must meet the following criteria:

– You are a Visitor to Canada, Super Visa applicant, IEC/Working Holiday participant, New Immigrant, Returning Canadian, International Student or a Foreign Worker.
– You are not eligible for / covered by any provincial (government) insurance plan in Canada at the moment of application.
– You are older than 15 days old and younger than 90 years old.
a) For Premium Plan, you must be younger than 70 years old.

In addition:
– You are not travelling to Canada against physician’s advice.
– You must not have been diagnosed with a terminal illness.
– You must not have any reason to seek medical treatment in Canada.
– You do not have any new or undiagnosed symptoms or signs of an illness.
– You do not require assistance with daily living activities.

 

Pre-existing Conditions Coverage:

Medical emergency insurance coverage for pre-existing medical conditions is available ONLY in the following cases:

– Applicants age 0-69: You can choose to include the coverage for pre-existing medical conditions that have been stable for 90 days immediately prior to the start date of insurance coverage. Applicable to Standard, Enhanced and Premium plans.
– Applicants age 70-84: No coverage for pre-existing medical conditions is provided with Platinum plan. With Standard and Enhanced plans, you may be eligible for the coverage for pre-existing medical conditions that have been stable for 180 days immediately prior to the start date of insurance coverage. Medical questionnaire is required to determine eligibility.
– Applicants age 85-89: Pre-existing medical conditions coverage is not available.

 

Waiting Period:

– No waiting period: Waiting period is not applicable to any Berkley’s Visitors to Canada insurance policy purchased prior to your arrival in Canada.

– 5-day (120 hours) waiting period: If you apply for Berkley health insurance coverage within 30 days of your arrival in Canada, there is a 5 day (120 hours) waiting period immediately following the start date of insurance coverage.
Unless:
– it is the continuation of an existing Visitors to Canada insurance policy issued by Berkley Canada with no lapse in coverage. No waiting period applies.

 
Important Notice: There are other terms and conditions applicable to Berkley Canada insurance products for Visitors to Canada. Please see Policy Wording for more details.

Click to view:

Berkley | Visitors to Canada Policy Wording

Premium Refunds:

Premium refunds whether full or partial are issued only in case there were no claims made or pending on your insurance file.

 
Full Refunds of premium can be requested under the following circumstances:
– You request to cancel the insurance within the first 10 days of purchase prior to the effective date of your insurance policy.
– If you are a Super Visa applicant and your application has been denied. A proof of visa refusal from CIC is required.

 
Partial Refunds can be request under the following circumstances:
– You request termination of your insurance due to early departure from Canada (before the insurance expires). A proof of departure such as boarding pass copy or an immigration stamp is required.
– You request termination of your insurance policy due to being covered under any provincial insurance plan in Canada. A poof of government insurance coverage such as a copy of health insurance card or an official enrollment letter is required.

Important Notice: Please note that requests for partial refunds MUST be submitted to us no later than 60 days from the date you left Canada or became covered under any government insurance plan. The refund amount will be calculated using a corresponding rate multiplied by a number of unused days from the time of your departure or start date of government insurance coverage till the expiry date of your insurance policy. Cancellation fee may apply. Refund amounts less than $20 will not be refunded.

 
In order to request a refund, please contact one of our Insurance Advisors.

Making a Claim with Berkley Canada:

In the event of an unexpected medical emergency, you or someone on your behalf must contact the Emergency Assistance Centre PRIOR to receiving medical treatment. Failure to notify the assistance centre will result in limitation of benefits otherwise payable to 80% of eligible expenses to a maximum of $25,000. In case it was physically impossible for your to contact the assistance center due to a life threatening situation, the mentioned limitation will not apply.

 
Emergency Assistance Provider is available 24-hours a day, 7 days a week.

– Toll-free USA and Canada – + 1-844-604-8324
– Collect – +1-514-286-8324

 
In order to file a claim, after the initial contact with the emergency assistance centre, you must submit the following documents:

– Fully completed Claim Form that is provided by the Emergency Assistance Centre upon your phone call.
– Original itemized receipts for treatment and/or prescription medications.
– Proof of your travel dates including aircraft ticket, immigration stamps in your passport, etc.
– Written Proof of Claim that must be submitted within 90 days of receiving treatment.

 
Please note that other documents or type of proof may be required depending on certain circumstances. Detailed instructions on how to make a claim are outlined in the Policy Wording.

Click to view:

Berkley | Visitors to Canada Policy Wording

Please note that the above information is only a summarized version of the insurance benefits and conditions detailed in the official Policy Wording issued by Berkley Canada.
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