INGLE Assurance:
Medical Insurance for Immigrants & Visitors to Canada
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INGLE Assurance - Quotes Calculator
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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.
– 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.
Click on the following link to download INGLE Assurance | Policy Wording – English.
– 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).
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
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.
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
– 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.
