Last updated on July 14th, 2020
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If you are looking for a Super Visa or Visitors to Canada medical insurance insurance it could seem as an overwhelming task having so many options to choose from. So, here are a few questions to ask and important factors to consider while shopping for medical insurance coverage.
13 Things to Keep in Mind about Medical Insurance
1.What is the coverage for the policy?
If you are applying for the super visa, you need coverage of at least $100,000 for one year. Other types of visas might require a different amount of coverage. The policy will cover you up to the chosen amount for emergency expenses.
2.Which company offers this insurance?
Different companies have different policies, so make sure to find out exactly which company you are getting the policy from. That way you can do your research and make sure you are dealing with a reputable company. Arbetov Insurance works with all the companies in Canada.
3. Is there a waiting period?
If you buy the policy before you come to Canada there is no waiting period. If you buy insurance after arrival, then each company has a different waiting period. Waiting period will vary from 48 hours to 8 days, depending on the insurance company. Make sure to double check with your advisor. Waiting period usually applies to sickness and therefore injury is covered right away.
4. Are pre-existing conditions covered? If yes, what is the required stability period?
Some insurance policies cover stable pre-existing conditions, while some do not. A pre-existing condition, which is generally defined as any sickness, injury or medical condition, for which the insured client consulted a doctor, has shown symptoms, has been hospitalized or was prescribed medications before the effective date of coverage. If you need the policy to cover pre-existing conditions, make sure to mention it before you buy a policy and discuss this with your advisor. Different plans have different rules and exclusions when it comes to covering pre-existing conditions. Most will require a short medical questionnaire. Stability period varies but most of the time it is 6 months before the effective date.
5. What are the coverage limits for dental emergencies?
Visitors insurance policies usually cover accidental dental and emergency dental. Accidental dental refers to a chipped or broken tooth due to an injury, while emergency dental refers to a tooth ache. Every plan has a different limit for these two categories, so make sure to check how much your plan covers.
6. Are chiropractors and physiotherapists covered?
Most policies do cover emergency paramedical services of a chiropractor, osteopath, physiotherapist and podiatrist. Each policy will have different maximum amount for each profession.
7. Is there a deductible on the policy?
Adding a deductible on the policy is up to the client. You can choose a policy with no deductible or you can a deductible to lower the cost of the insurance. If you decide to add a deductible, you will have to pay up to that amount in case of an emergency, before the insurance covers any expenses.
8. What do I do in case of a claim?
If there any emergency, you should always call the toll free number on your policy to notify them.
9. How do I apply?
You can apply for most visitors’ plans online or by calling or emailing us. Some plans, such as the monthly Super Visa plan and the Inpatriates plan have to be set up from within the system. Call us today at 1-877-211-4301 toll free or send an email – [email protected]
10. What are the methods of payment?
Payments are always done by a credit card. If you do not have one, please contact us.
11. Will the visitor be covered on their way to Canada?
Some of the plans cover the person on their way to and from Canada. Others become effective as soon as the visitor lands in Canada.
12. Does the policy cover side trips?
All visitors’ plans cover side trips, as long as the majority of time is spent in Canada. GMS only covers side trips in US and Mexico.
13. I understand that these policies are for emergencies, what is considered an emergency?
Emergency is considered an unforeseen and unexpected sickness or injury that requires immediate treatment to prevent or alleviate existing danger to life or health.
At Arbetov Insurance, we are all about guiding you through the variety of medical insurance options offered by the Canadian insurance market. What we do best is helping you find a plan according to your specific needs and budget limits, so you don’t have to spend numerous hours trying to compare every single insurance plan. Let us help you make the right choice for Visitors to Canada Medical Insurance policy or a Super Visa Insurance one, so you can enjoy the benefits right away!