Frequently Asked Questions

A: 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, Allianz Global Assistance, TuGo, etc.
A: Generally, pre-existing conditions are defined as any sickness, injury or medical condition, for which you have consulted 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 3 to 24 months, depending on the company’s policy.

It is extremely important to read about the exclusions and limitations as well as the definitions section of the Policy Wording booklet for each insurance plan you are interested in.

A: Yes, you can send us a request to change the effective date (start date of your insurance coverage). Please, make sure you do it BEFORE the current effective date shown on your policy confirmation commences.

As for the policy extension and renewal, you need to notify us before the expiry date of your current insurance plan in order to avoid the waiting period upon receiving your extension or a new insurance policy.

A: 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.

A: No, there are absolutely no taxes unless you purchase the policy as the resident of Manitoba or Saskatchewan. Sales tax is shown upon the sale order.
A: Yes, you will be eligible for a partial refunds in case there were no claims made, reported or pending.

Partial refunds are issued for the unused time on your policy period. For example, if have 1 year of insurance coverage and you stay in Canada just 4 months and did not initiate a claim, you will be reimbursed for the remaining 8 months.

Generally, in order to request a refund, you will need to provide a copy of your boarding pass or an equivalent proof of departure from Canada.

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

A: Generally, medical Emergency means an unforeseen and sudden sickness or injury that requires immediate treatment to prevent or alleviate existing danger to life or health.

In order to see a specific definition of how each insurance company refers to medical emergency, please see Policy Wordings.

A: 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 and New Brunswick.

A: First of all, you have to notify your insurance company by calling the Assistance Center as soon as possible in case of 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.

A: While there is no absolutely “cashless” Visitors to Canada and Super Visa insurance policy currently available on the Canadian market, the good news is, if you have an insurance policy with $0 deductible and your medical treatment performed during hospitalization, your bill is covered by the insurance company without you having to pay a dime.

If you are visiting a clinic, on the other hand, some benefits work on reimbursement basis only, which would depend on the insurance provider you have a policy with.

In order to find out which services are paid for by a specific insurance provider and which are reimbursement-based, please see the Policy Wording for each insurance plan you are interested in.

Specifically, look for such wording as “the insurer agrees to pay for” and “the insurer agrees to reimburse for” next to each covered benefit under the policy.

A: 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.

A: 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.

A: Unfortunately, we only deal with Medical insurance policies.
A: 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.
A: 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.


FAQ: Canadian Medical Insurance Categories

If you were not able to see your question here, please refer to a specific section on our website:

    Super Visa Insurance FAQ
    IEC/Working Holiday Insurance FAQ