Frequently Asked Questions
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.
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.
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.
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.
In order to see a specific definition of how each insurance company refers to medical emergency, please see Policy Wordings.
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.
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.
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.
Yet, we can assist you with cheques payments, cash or electronic fund transfer. Contact us for more information.
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
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