Canadian Visitors: Medical Insurance

By C. Ray Sondeo in Travel on August 15th, 2008

-->

by C. Ray Sondeo

Visitor medical insurance to Canada is also called as travel health insurance. It protects international students, immigrants, tourists, foreign workers from any kind of medical emergency during visit to Canada. Visitor medical insurance will cover the medical expenses from illnesses or an accident while in Canada.

Canada is one of the most popular vacation destinations because of its strongest economy in the G8. With strong economy, welcoming culture, high quality life and great natural beauty, Canada has become one of the popular tourist destinations. It is a hot spot for the business travelers, foreign workers, new immigrants and international students.

Canada has an aging population and hence health care system is overburdened. Canada’s health care expenses rival the US as the most expensive in the world.

Medical costs in Canada include ambulance, doctor visits, non-critical hospital stay costs, air ambulance and so on, which will approximately cost up to $100.

Medical expenses can be real damaging towards your savings. If you want to enjoy a peaceful life in Canada, it is best to be insured while you visit this region. Surprisingly, medical insurance, here, is quite affordable.
Example: good individual coverage can be purchased for a 40 yr old for around $4 per day, and an entire family can be covered at around $14 per day.

The Canadian insurance companies have developed the visitor health insurance plans for all the types of visitors to Canada. Business travelers, new migrants, students or employees coming from abroad and simple vacationers can take a plan that suits their needs at an affordable price.

Business travelers and tourists visiting Canada : Visitor insurance is the most important of all to cover high costs of medical care. The insurance covers the emergency medical costs incurred by unexpected medical conditions. The coverage is available up to the age of 89 years. Medical questions are not required but in most probability the preexisting conditions are excluded from the coverage.

New immigrants to Canada: New immigrants to Canada are not eligible for provincial health insurance until they gain landed immigrant or permanent resident status.

Foreign workers in Canada: There are plenty of labor jobs in Canada that attract thousands of immigrants each year. Sadly, work visas are issued only for a period of six months. This means private visitor health insurance must be purchased to cover emergency medical costs for the time spent living in Canada on a temporary work visa.

Inpatriate medical insurance : The employers can provide for visitors insurance to foreign workers by purchasing the Inpatriate medical insurance. It can be purchased for the six month work visa, or for durations as small as one month for the workers who have already arrived in Canada. In inpatriate visitor insurance single, couple and family coverage is available. It differs from visitor medical insurance as it also provides for the non-emergency visits.

Visitors to Canada Emergency Medical Insurance: Foreign labors that are not provided coverage by their employers will be required to purchase private medical insurance. Visitors to Canada Emergency Medical Insurance is available for personal coverage for your entire work visa term in Canada. With the high cost of health care in Canada it is recommended that foreign worker purchase the best coverage amount. Single, spouse, or family coverage is also available herein.

Health and Hospital Insurance: This type of insurance provides International Students visiting Canada with complete health coverage. In addition to emergency medical coverage, non-emergency health costs and prescription drugs are also covered up to maximum amounts. Coverage can also be purchased for the students spouse and family while they are residing in Canada.

Emergency Medical Insurance: Similar in coverage as the health and hospital plan but does not cover non-emergency medical and prescription drugs are limited to a 30 day supply. Coverage can also be purchased for the students spouse and family while they are residing in Canada.

Make sure that you are safe and enjoy ‘peace of mind’ during you stay in Canada by purchasing medical insurance.

International students in Canada: Canada is the world leader in education. Many international students choose Canada as their destination for their education. Not all students are offered health insurance, only those who are eligible may have to wait at least for 3-4 months before the coverage becomes effective. Private visitor medical insurance will be required. International students can choose to purchase complete health and hospital insurance or only emergency visitor medical insurance.

About the Author:

C. Ray Sondeo is an expert on visitor medical insurance. Get quotes, read our FAQs, and learn more about health insurance for USA visitors on our website.