Frequently Asked Questions
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.
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.
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. 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.
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.
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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