INGLE Assurance:
Medical Insurance for Immigrants & Visitors to Canada

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SELECT VISA TYPE
1PERSON AGE
2 PERSON AGE
COVERAGE (CAD)
START DATE
END DATE In New Immigrants/Returning Canadians/Foreign Workers mode, the End Date is set automatically to the minimum amount of days required for the specific province you choose. If you would like to manually set your End Date, please select IEC/Tourist/Visitor/Working Holiday mode.
Pre-existing 1 person If you have a stable existing medical condition, such as a damaged or sick organ, select Yes. If you do not have an existing medical condition, select No. Conditions that are not stable are not covered. Also, some specific conditions, such as heart disease, may not be covered. Please read this company's full coverage details to determine what pre-existing conditions are covered by this company.
Pre-existing 2 person

Your personal information is safe with us.
In order to calculate a personal insurance quote, simply select the number of applicants, their age(s) and indicate whether or not they have any pre-existing
medical conditions. To finalize your results, click on Calculate Quote after you choose desired policy duration and a coverage limit!

Summary of Benefits
Eligibility Requirements
How to Get a Refund
How to Make a Claim

COVID-19 Notice: Please stay up to date with the latest policy changes concerning COVID-19 coverage and eligibility requirements by using the following link – COVID-19 Insurance Updates
Summary of Benefits
Benefit
Coverage Limit
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday
Coverage Amounts
$10,000 / $25,000 / $50,000 / $100,000 / $150,000 / $200,000
Emergency Hospitalization
Emergency Medical Assistance
Laboratory Diagnostics / X-Rays
Up to $10,000
Prescription Medications
30-day supply / Up to $5,000
Local Ambulance Services
Up to $5,000
Private Duty Nurse
Up to $10,000
Rental or Purchase of Medical Appliances
Up to $5,000
Services of chiropractor, osteopath, chiropodist, osteopath and physiotherapist.
50% of the cost / Up to $1,000
Dental Injury Treatment
Up to $1,000
Out-of-pocket Expenses
Up to $100 while hospitalized
Meals and Accommodation
$100 a day / Up to $1,500
Emergency Return Home
Up to $25,000
Repatriation / Cremation / Burial
Up to $5,000
Return of Travelling Dependents
Up to $2,000 for insured dependents
Escort of Travelling Dependents
Up to $1,000 for a caregiver to accompany insured dependents home
Bedside Companion Transportation
Up to $2,000
Changing the Effective Date:
Please note that you can request us to change the Effective Date on your insurance policy prior to the start date of your coverage (before the Effective Date indicated on the policy confirmation letter) at no charge at all.

However, once the policy is in effect, in case you request policy start date change after the Effective Date on your policy confirmation commences, INGLE will charge $50 per such date change.

Important: INGLE will be unable to change the Effective Date on your insurance policy if your request comes 2 or more months after your coverage begins.

Trip-Break:
With Trip-Break feature, you can take short trips outside Canada without having to terminate your coverage. It allows you to travel back home for a short visit while your medical insurance policy is in effect. Please note that costs incurred outside Canada are not covered under this insurance policy.
Optional Sports Coverage:
With INGLE Assurance coverage for Visitors to Canada, you have an option to include additional medical emergency coverage for injuries resulting from participating in certain sport activities. In order to review such option, please contact our Insurance Advisors for more information.
Waiting Period:
Please note that Waiting Period of 5 days for medical emergency treatment of sicknesses or injuries will only apply to insurance polices that are purchased:

– After the expiry date of an existing medical insurance coverage with INGLE Assurance; or
– After you exit your country of residence (after your trip to Canada begins).

Important Notice: Expenses related to treatment of any medical emergency that originates during the waiting period are NOT covered under this insurance policy, even if the costs are incurred after the waiting period has ended.

Deductible:
INGLE Assurance offers deductible on a per policy basis. With per policy deductible amount, you only have to pay the deductible amount in full once per insured trip regardless of how many claims you may have during your covered stay in Canada.
Policy Wording:
Policy Wording is an official plan description issued by the INGLE Assurance that provides detailed information about covered benefits, policy exclusions, coverage limitations, premium refunds and much more. Please review this policy carefully before you continue with the purchase.

Click on the following link to download INGLE Assurance | Policy Wording – English.

Eligibility Requirements
You are eligible for the medical emergency insurance coverage under INGLE Assurance’s policy, provided that you meet the following conditions upon the Effective Date of your coverage:

– You are at least 15 days old and 89 years old or under.
– You are not eligible for and/or insured with any Government Health Insurance Plan in Canada.
– You are currently in good health and have no reason to seek medical assistance during your stay in Canada.
– You are not residing in a nursing facility (including rest home, convalescent home, rehabilitation centre or home for the aged unless you receive a prior approval from the insurance company).

Pre-existing Medical Conditions Coverage:
In addition to offering you one of the most competitively priced insurance packages on the market, INGLE Assurance provides comprehensive coverage for eligible pre-existing medical conditions, if you select that option. In order to include the coverage for such pre-existing medical conditions, you will have to complete an application form with a medical underwriting, receive an approval from INGLE and pay required premium.

Period of Stability:
Eligible pre-existing medical conditions have to be stable for at least 90 to 365 days (depending on medical conditions to be covered) immediately prior to the effective date of your policy with INGLE Assurance. Any condition that was not stable at any time during 1 year immediately before the effective date will not be covered, unless you have paid the additional premium required to reduce the Period of Stability.

Important Notice: Certain limitations apply to stable pre-existing medical conditions coverage. Period of Stability for Heart, Stroke, Cancer and Peripheral vascular disease (PVD) related pre-existing medical conditions is always 365 days immediately prior to the Effective Date of your insurance policy.

Please note that in case you have any pre-existing medical conditions whether stable or not and you do not complete medical declaration and pay additional premium at the moment of application, coverage will exclude emergency treatment for any medical conditions and/or symptoms that existed on or prior to to the start date of your insurance policy.

Diabetes Clause:
In case you have been previously diagnosed with diabetes, treatment for cardiovascular or cerebrovascular conditions is not covered unless you have disclosed your complete medical history, submitted it for underwriting approval and obtained an endorsement issued by INGLE Assurance.

In order to review policy limitations, pre-existing conditions coverage exclusions, period of stability definition, eligibility requirements and waiting period terms, please see the Policy Wording.

Click to view – INGLE Assurance | Policy Wording – English

How to Get a Refund
In order to request a refund of paid premium, please note that you must have no claims that re pending or paid for on your file. If you have submitted a claim, premium refunds will not be available.

Full Premium Refunds:
– You can request a full premium refund within 10 days of purchasing your insurance policy (ONLY prior to the Effective Date).
Premium Refund Requests:
Refund requests will be considered for other reasons including the following:

a) Early Departure from Canada: You return to your home country of origin before the expiry date of your INGLE insurance policy. A copy of a boarding pass as a proof of early departure from Canada will be required.

b) Trip Cancellation: If you are medically unfit to travel to Canada, you can apply for a premium refund. A proof of medical emergency will be required.

c) Government Insurance Plan: You become eligible for and covered with any Canadian Government Health Insurance Plan prior to the expiry date of your policy with INGLE Assurance (ONLY if you are not required to have private insurance coverage to maintain eligibility for a work permit or any immigration purposes). A proof of provincial insurance coverage will be required.

d) Travel Visa Denial: If you travel or Super Visa has been denied, you can apply for a refund of paid insurance premium. A proof of visa rejection from IRCC will be required.

Cancellation fee for any refund (except the 10-day refund rule) is $50 per policy.

Important Notice: Minimum premium refund amount is $20. Refunds that are less than the minimum amount will not be issued. Premium refunds are calculated from the date your refund request is received by INGLE Assurance.

Please read the section on Premium Refunds that can be found in the Policy Wording.

Click to view – INGLE Assurance | Policy Wording – English

 
In order to request a refund, please contact one of our Insurance Advisors.

How to make a Claim
In case you have a medical emergency situation during the covered trip and need immediate medical assistance, you or someone on your behalf MUST call Emergency Assistance center to open a claim file prior to receiving medical treatment.

Failure to contact the Company within the first 24 hours of hospitalization will limit otherwise payable benefits to 50% of any gross eligible expenses incurred or the maximum liability under this policy will be limited to $25,000 should you select a
maximum aggregate of $50,000 or greater.

INGLE Assurance Emergency Assistance is available 24 hours and 7 days a week.

– Toll-Free – 1-855-883-6479
– Collect – 416-467-4587

In order to file your claim you need to do the following:

– A brief explanation of your your medical emergency.
– Complete and sign a Claim Form provided by the Emergency Assistance.
– Include original receipts for treatment and/or prescription medications.
– Attach other supporting documents (if requested by the Emergency Assistance).
– Send the form with your receipts to the following address:

Please note that you must submit your claim within 90 days immediately following your medical emergency.

Mail or Deliver Claims to:
Ardent Assistance Inc.
4-160 Pony Drive
Newmarket, Ontario,
L3Y 7B6

You must notify the Emergency Assistance at 1-855-883-6479 or 416-467-4587 (collect) within 24 hours of any claim for medical or dental Treatment. For inquiries after the claim has been submitted, you may call the same number.

Need help deciding?
Select the best way to get in touch with our Insurance Advisors and let’s discuss your insurance options today!
Available Weekdays | 10am-11pm EST, Weekends | 12pm-8pm EST
Testimonials
I was looking at some insurance options online and stumbled upon Arbetov Insurance. I was interested in a more affordable coverage for our parents Super Visa insurance and they recommended to check out INGLE given its comparatively low price. Arbetov’s advisors explained the pros and cons of it and it really made a a difference since we had no idea how to choose the right insurance. I would like to thank these people at Arbetov Insurance for helping me make the choice and let you know that my parents got their visas! Thank you very much!
Hardeep S.
VERIFIED CLIENT
Please note that the above information is only a summarized version of the insurance benefits and conditions detailed in the official Policy Wording issued by INGLE Assurance.
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