Last updated on July 14th, 2020 at 03:41 pm
Photo by Pawan Yadav from Pexels
If you are a Super Visa applicant, IEC / Working Holiday participant or a Visitor to Canada such as New immigrant, Foreign Worker, Tourist or an International Student, you may be wondering how the Canadian healthcare system works as well as what are the costs for medical attention in case you ever need it while staying in Canada.
It is important to say that not every single newcomer to Canada is eligible for the Government Health Insurance Plan. So, if you do not qualify for such, you can still protect yourself with a medical emergency insurance policy from a private Canadian Insurance company.
To get you started with learning about the available health insurance options, we’ve put together a comparison among all insurance companies in terms of affordability, reliability and benefits offered with a single policy.
Most Affordable Visitors Insurance Plans
If you are looking for a basic insurance coverage that only includes the most important aspects in terms of medical care, the plans below would do the trick. Most of them are smaller companies with small companies’ appeal- lower prices and exceptional attention to customers. All of them cover medical expenses, hospitalization and repatriation with total coverage of $100,000 or more.
Super Visa: Monthly Payment Plan
Available since 2013, 21 Century: Monthly Payment Plan proved to be extremely popular with the Super Visa applicants. This is currently the only plan that allows for monthly payments, offering $100,000 total coverage and a great set of benefits perfectly suited to visitors. Instead of having to pay a lump sum of several thousand dollars you can make payments as low as $80 per month.
To learn more about the coverage and the price for Monthly Super Visa Insurance Plan follow the link below:
Best Value Insurance Plans
Best Value Insurance Plans offered by bigger and well known Canadian Insurance companies. The leaders among them are Manulife and TIC.
Manulife is tried and tested and is currently the largest insurance company in Canada.
Also, along with great health benefits and moderate price range for its plans, Manulife offers a supplementary Pregnancy Complications Insurance that covers Visitors to Canada, who are already pregnant. However, pregnancy insurance is only available up to the 31st week of pregnancy period and includes the following coverage:
– Premature Birth
– Abdominal Pain
Unfortunately, neither delivery nor routine pre-natal care are covered under Manulife’s insurance plans.
TIC is a great company with excellent customer service and competitive benefits.
For Visitors to Canada 69 years and under TIC offers a new Inpatriates to Canada plan, which covers one Physical Examination and one Eye Examination per year, some Vaccinations, as well as provides coverage for Maternity.
TIC: Inpatriates to Canada covers up to 80% of eligible pregnancy related procedures for a maximum of $10,000 including the following:
– Delivery Insurance
– Routine Prenatal Care
– Pregnancy Complication
– Other associated expenses
Note that in order to be eligible for Inpatriates to Canada plan, you must NOT fall pregnant at least 2 months after the effective date of your insurance policy commences.
For more information on pregnancy insurance for visitors to Canada, please refer to the following link – Pregnancy Insurance for Visitors to Canada
Premium Insurance Plans
TU Travel Underwriters has recently come up with new Visitors to Canada policy called Platinum Plan.
Travel Underwriters is among a few Canadian insurance companies that cover you on the way to Canada up to 7 days each way. With a maximum coverage of $300,000 and some of the best benefit packages you will have a peace of mind knowing you are safe from unforeseen emergency circumstances.
Another awesome feature Travel Underwriters offer is Pregnancy Insurance coverage for Non-Pregnant Visitors to Canada. It is a supplementary coverage to their Platinum Plan covering the following pregnancy related procedures:
– Pregnancy Complications
– Prenatal Care
– Other eligible costs
Note that in order to be found eligible for TU: Platinum Plan pregnancy insurance, you must NOT fall pregnant before the effective date on your policy commences. More importantly, the coverage is provided ONLY for the last 9 weeks of your pregnancy period including delivery.
For more information regarding Pregnancy Insurance from Travel Underwriters follow the given link – TU: Pregnancy Coverage
Still not sure what to choose?
At Arbetov Insurance, you don’t have to worry, if you are still not certain about your medical insurance choice.
Just speak with our Insurance Advisors to find a plan that is designed just for you, your needs and your budget.
Give us a call today at 1.877.211.4301 toll free within Canada or 1.604.875.8878 and learn about your medical insurance options!