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.
| Eligible For | Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday. |
| Coverage Amount | $10,000 / $25,000 / $50,000 / $100,000 / $150,000 / $200,000 |
| Emergency Hospitalization | Within sum insured |
| Emergency Medical Assistance | Within sum insured |
| 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 |
| 24-hour Travel Assistance Center |
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.
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.
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 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 to view – INGLE Assurance | Policy Wording – English
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).
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).
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
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 Refunds:
– You request a full premium refund within 10 days of purchasing your insurance policy (ONLY prior to the Effective Date).
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 $25 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 our Insurance Advisors.
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 prior 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 Assusrance 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.
