Frequently Asked Questions
Still not sure what to do? Here is a list of our FAQ’s; click the question to unveil the answer
Is Arbetov Insurance an insurance company?
No, Arbetov Insurance is an independent Canadian insurance brokerage agency and we only distribute medical insurance policies produced by the Canadian Insurance companies such as Manulife, Travel Underwriters, Blue Cross, etc.
What does Pre-existing Medical Condition mean?
Generally, pre-existing conditions are defined as any sickness, injury or medical condition, for which you have consulted with a doctor, have shown symptoms, have been hospitalized or were prescribed medications before the effective date of the medical coverage you are currently applying for.

Each insurance company regards pre-existing conditions differently. Stability period may vary from 6 to 12 months, depending on the company’s policy.

It is extremely important to read the exclusion/definition section in the insurance policy booklet for detailed description.

Is it possible to change the effective date on an existing insurance policy?
Yes, you can send us a request to change the start date for you. Please, make sure you do it before the current effective date.

As for the policy extension/renewal, you need to notify us before the expiry date on your current insurance plan so you can avoid the waiting period when you receive your extension.

Do Visitors to Canada, IEC/Working Holiday and Super Visa medical insurance cover regular doctor/clinic visits and physical examinations?
Unfortunately, all of the mentioned policy types do not cover any regular check ups or doctor/clinic visits, as only medical emergencies are covered.
What does Deductible mean?
Deductible is the amount of money that must be paid out of pocket before an insurer will pay any expenses.

Deductible amount also affects the actual price of the insurance policy. The higher deductible you choose, the lower the actual price of the policy will be. However, it is not recommended to go over a $1,000 deductible since you may end up paying most of your medical expenses yourself, unless the claim bill exceeds the chosen deductible option.

Example: An insured person has a toothache while having a policy with $250 deductible. A claim bill is $300, then a person must pay $250 deductible him/herself first and the rest $50 is paid out by the insurance company.

Are there any applicable taxes for medical coverage that Arbetov Insurance distributes?
No, there are absolutely no taxes unless you purchase the policy as the resident of Manitoba. RST rate is about 8%.
Can I get refunded if I return home before my insurance expires?
Yes, you will be eligible for a partial refunds in case there were no claims made.

Partial refunds are issued for the unused time on your policy period. If you stay in Canada just 4 months and did not file a claim, you will be reimbursed for the remaining 8 months.

Please, contact our Insurance Advisors in order to make a Refund Request.

How is Medical Emergency defined?
Medical Emergency means an unforeseen sickness or injury that requires immediate treatment to prevent or alleviate existing danger to life or health.
Is medical insurance that Arbetov Insurance distribute valid across Canada?
Yes, almost all of the Visitors to Canada / Super Visa / IEC policies are Canada wide.

However, there is a single company called “GMS” that is not yet available for use in Quebec.

What should I do in case of emergency?
First of all, you have to notify your insurance company as soon as possible of any emergency medical treatment or hospitalization.

Your insurer will provide you with assistance, suggest the best options on where to get help, as well as arrange direct billing where possible.

Failure to do so could result in decreasing your insurance benefit. Every insurance company has a toll free emergency phone number to call from Canada and collect call numbers to call from anywhere else. The phone numbers are always included in the policy.

Do I have to pay all the expenses myself and get reimbursed thereafter?
In most cases, your insurance provider will be able to arrange direct billing with the clinic/hospital.

More specifically, the insurance company will pay directly to a healthcare facility that you have received medical assistance at. If you are in a remote location or, for some reason, it is impossible to set up the direct billing – your insurance company will reimburse the expenses within 1-2 weeks.

What are the accepted payment methods for an insurance policy?
Most of the Canadian insurance companies only accept a credit card payment.

Yet, we can assist you with cheques payments, cash or electronic fund transfer. Contact us for more information.

Does Arbetov Insurance deal with Automobile, Home and other types of General Insurance?
Unfortunately, we only deal with Medical insurance policies.
Where can I get an application form for the Small Business Group Insurance Plan?
You can download an application form for Group Insurance Plan for Small Business by clicking on the following link or contacting one of our Insurance Advisors online.
How can I purchase medical insurance with Arbetov Insurance?
You make a purchase on-line. Purchasing insurance online is very simple. Just use our insurance rate calculator to compare the quotes from all Canadian companies.

Select your visa type, the duration of the trip, your age and whether or not you have any preexisting conditions. Once you find a quote you like you can click “Buy Online” to make a purchase from a secure website or you may call us for assistance.