Medical Insurance for Returning Canadians | Emergency Coverage
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What is Returning Canadians Medical Insurance?
East or west, home is best! Canadian insurance companies offer a great deal of individual health coverage policies for Canadians returning from abroad or other province or territory in Canada.
Health Insurance for Returning Canadians: How it works?
Coming back home from an adventure is always wonderful as you feel completely refreshed and ready to get back to your usual business.
However, being excited about your long-term trip should not make you forget about your personal safety as your Provincial Health Insurance may have been put on hold while you were away.
If you are a Citizen or a Permanent Resident of Canada and your provincial medical care plan has been deactivated, you can protect yourself from the costs for the urgent health care needs you may have with a Medical Emergency Insurance designed exclusively for Returning Canadians.
Health Insurance for Returning Canadians: Do I need it?
In case you reside in New Brunswick, Yukon, Quebec, Ontario or British Columbia and your government health insurance plan is on hold due to a long term stay abroad, you will be a subject to a waiting period for approximately 90 days before your government health care plan kicks in. For all other provinces and territories across Canada, the above condition does not apply.
Thus, you may secure your money and, if it happens to be a medical emergency, avoid paying unnecessary expenses with a private health insurance for Returning Canadians, while your provincial health insurance is being re-activated.
How can I apply for the Returning Canadians Health Insurance?
Get a Quote: Calculate a personal quote for Returning Canadians Insurance using a free online tool above. From the options provided, you will see a list of private Canadian health insurance plans with different deductible amounts. Deductible or an Excess amount is what you will have to pay yourself, before the insurance company takes care of the rest, if it happens to be a claim.
Choose a Plan: Choose a quote and proceed with clicking on a “Plan Details” button for a particular insurance plan on the right-hand side. You will be re-directed to a webpage, where you can see your initial quote, plan description as well as other important information about a particular Returning Canadians insurance policy.
Review the Coverage: Take a look at the Summary of Benefits as well as other information provided on that page. Please be advised that in order to see the official plan description you will need to review the Policy Wording that is available for download on the same page. Once you have decided that the chosen Returning Canadian insurance plan suits your needs, you may proceed by clicking on “Buy Insurance” or “Buy Online” buttons.
Apply: The last step is to complete an application form as well as pay using your credit card. It will only take a few minutes and requires basic personal and contact information about an applicant. Once you finish typing in the needed information, take a moment to review your application before you enter your credit card details. Once your payment is processed, you will receive your emergency Returning Canadians insurance plan by email in a couple of minutes.
What does Health Insurance for Returning Canadians cover?
Each Returning Canadians health emergency insurance differs from one another. Some features may not be included in a certain policy and, therefore, it is important for you to examine your option carefully and read a plan’s description.
A summary of benefits below outlines the benefits provided by most of the medical coverage policies for Canadian Citizens and Permanent Residents we distribute.
– Emergency Health Care
– Repatriation (Emergency Home Return)
– Ambulance Services
– Emergency Dental Repair
– Dental Pain Relief
– Prescription Drugs
– Laboratory Diagnostics/ X-ray
– Accidental Death & Dismemberment
– Services of a Medical Specialist
– Follow up Visits to a Specialist
– Services of a Registered Nurse
– Burial / Cremation
– Rental or Purchase of Medical Appliances
Returning Canadians Health Insurance: Frequently Asked Questions?
A: No, it is not necessary for all Returning Canadians to purchase such insurance. Yet, it is advised that if you live in British Columbia, Quebec, New Brunswick, Yukon or Ontario and have your provincial insurance plan put on hold due to a long term absence, you may protect you finances against the costs for emergency medical treatment.
If you reside in any other province or territory in Canada, you may be eligible to re-activate the provincial insurance coverage upon your return.
A: If you are coming home from a lengthy trip, it is best to purchase a private insurance policy for returning Canadian residents before you arrive in Canada.
In case, you you could not do it before you got back home, you will have a waiting period of 2 to 8 days depending on the time you have been in Canada since your arrival.
A: Unfortunately, there is no private insurance which would be comparable to your provincial health insurance plan in terms of the benefits.
Health insurance for Returning Canadians is designed to take care of the medical emergency treatment expenses, while you provincial coverage is not in force.