FAQ - Visitor Insurance by Protecto

Welcome FAQs

This is the new visa for parents and grandparents who want to visit family in Canada for extended periods without having to renew their status.

This visa allows holders to stay in Canada for a maximum period of 5 years.

It allows multiple entries for a maximum period of 10 years.
It is normally issued within eight weeks of application.
Applicants must have health insurance from a Canadian insurer that is valid for at least one year and has a minimum coverage of 100,000$.

Source : Determine your eligibility – Super visa – Canada.ca

Parents or grandparents of Canadian citizens or permanent residents;
They must provide a written letter of financial support from their son, daughter, grandson or granddaughter residing in Canada and having the minimum income established;
They must provide proof of Super Visa medical care insurance in Canada for a minimum period of one year and at least 100,000 $; and
They have to undergo a medical examination

To answer the eligibility rules established by the Government of Canada, insurance coverage must meet the following criteria:

Type of coverage: Emergency medical insurance
Duration: 365 days
Coverage amount: at least 100,000$ (can go up to 300,000$, depending on the age of the insured)

Want to reduce the cost of your policy? We also offer deductible options that can reduce the premium amount, up to $40, depending on the insurance company.

A visitor who does not submit a claim under the insurance policy and returns to his/her country earlier than expected may request a refund for the unused period of his/her trip.

Please note that conditions and administrative fees may apply for refunds.

If the Super Visa application is refused, the Super Visa insurance premium will be refunded in full (100%). Please note that an administration fee may apply, depending on the insurer.

There are two options for your mother:

Keep your insurance active during your absence and use the remaining coverage upon your return. The insurance will not stop during your absence, and it does not provide coverage in your country of residence.
Cancel the policy with a partial refund and purchase another policy upon return. In this case, there is a risk of having a higher premium for the second policy if there has been a change in age.

A partial refund is possible under two conditions:

You have never made any complaints
You must present proof of departure from Canada (for example, a copy of a boarding pass)

When the complaint comes in, the doctor can easily determine whether the symptoms are new or have existed before.

If the person visiting Canada were to be injured or experience health problems while in Canada and require medical intervention, medical and hospital costs could be very expensive. In fact, hospitalization in Canada can sometimes cost up to $6,000 per day.
To avoid this financial impact and protect your budget, we offer insurance that covers emergency medical expenses. This coverage is ideal for:

Foreign tourists visiting Canada
New arrivals
Super Visa Applicants

A pre-existing health condition means an illness, injury or health condition, whether or not diagnosed by a physician, for which:

the person has exhibited signs and symptoms;
the person has obtained a medical consultation or prescription of medication;
which existed before the effective date of the insurance

The risks covered by visitor insurance in Canada are:

Emergency medical care
Paramedical services
Ambulance transport
Emergency dental treatment
Costs related to death
Repatriation in case of medical emergency
Additional hotel and meal costs
Transport of a person to the bedside of an insured person traveling alone
Child care costs
Return of the children
Travel interruption

Insurance with Pre-existing health conditions coverage covers:

Injuries or illnesses that are new, as well as health complications related to problems the person has had in the past, if these are stable during the stability period determined by an insurance policy.

Insurance without Pre-existing health conditions coverage covers:

Injuries or illnesses that are new and unrelated to health problems the person has had before.

No. Insurance will cover complications related to pre-existing health conditions and not for something that is already planned. So, it does not cover the costs related to medications that you take on a regular basis.

A medical consultation can be covered only if it is related to the medical emergency. In case of doubt, it is recommended to check with the assistance service before requesting a medical consultation.

Some visitor insurance policies in Canada may cover certain maternity expenses, provided that the person meets certain specific criteria and that the person is not yet pregnant when the coverage begins. For more details, we invite you to consult one of our advisors.

The amount of coverage always depends on the risk associated with the amount of the claim.

When taking out the policy, it should be taken into consideration that the price for hospital admission can reach 6,000$ per day. In our experience, we had cases of clients whose hospital stay amounted to more than 40,000$.

So in most cases we suggest taking at least 50,000$ of coverage.

However, if you are planning a side trip to the United States, we generally recommend purchasing at least 100,000$ of coverage.

If you need to see a doctor or be hospitalized due to an accident or illness, it is important to call the assistance telephone number provided on your confirmation email and/or on your wallet card.

By contacting the support service

You should explain the situation by mentioning your insurance policy number. The emergency assistance service agents will be able to direct you to the appropriate medical center. In addition, they will open the claim file and send you the necessary forms. If you are unable to call, you can go directly to the hospital and ask someone close to you to make the call for you.
Failure to contact the assistance service may result in some insurers penalizing you or even refusing your claim.

It depends on the medical center. Most hospitals arrange direct payments with insurance companies. In this case, the insurance company will pay the amount of your eligible claim directly to the hospital.
With clinics it can be different, with most companies you will have to pay your bill for your consultation/treatment and make a claim afterwards. This is why it is very important to call the emergency service in advance to find out if your claim will be admissible.

As an international student in Canada, you may not be covered by provincial health programs, especially if your stay is temporary. Health insurance protects you from the high costs of medical care in Canada, ensuring that you receive the care you need without financial hardship.

Insurance policies for international students are mainly there to cover the medical emergencies. This means that if you have a sudden, serious health problem that requires immediate attention, insurance can help pay for those costs. Here's what this typically includes:

Emergency medical visits : If you need to see a doctor or go to the hospital urgently.
Hospital emergencies : If you need to be hospitalized quickly because of an emergency.
Prescription drugs : Medicines that the doctor prescribes for you following an emergency.
Emergency dental care : If you have a serious dental problem that requires immediate treatment, such as an accident.

It is very important to read your policy carefully to understand exactly what is covered and what is not, especially to distinguish between routine care and medical emergencies.

Yes, your insurance reimburses up to 600 $ for urgent dental care which are needed to relieve sudden dental pain, provided that the pain is not caused by a blow to the face.

It is important to note that any dental treatment started must be completed within 90 days of its start. Additionally, this care must be completed before you return to your home country.

Dental care following an accident

Your insurance can reimburse up to $5,000 for emergency treatment needed to repair or replace your natural teeth or fixed dentures (including teeth with crowns) if they are damaged by an accidental blow to the face.

Your insurance can pay up to $25,000 for certain pregnancy-related medical expenses, but only if two conditions are met:

Pregnancy must begin while your insurance is active. This means that you must already be covered by this insurance when you become pregnant.
Medical expenses must be paid in the country where you are studying. If you are a student in France, for example, you must receive all your care in France for the insurance to cover it.

Types of expenses covered:

Prenatal care: This includes everything needed to monitor your baby's health before he or she is born, such as doctor visits, medical tests, and medications your doctor prescribes.
Involuntary termination of pregnancy and complications: If the pregnancy does not continue as planned, for example if it is terminated for medical reasons, or if there are complications, the insurance can also cover these situations up to 25,000 $.

In summary: This insurance helps you cover significant pregnancy-related costs as long as the pregnancy begins during the period you are insured and care is received in the country where you are studying.

What insurance does not cover:

Your insurance will not pay for anything related to:

Childbirth
Voluntary termination of pregnancy (if you choose not to continue a pregnancy).
Care after your baby is born.

This means that if you have any costs for these situations, you will have to pay them yourself.

Yes, you can apply for insurance even if you are already sick or injured. However, it is important to know that medical expenses related to this pre-existing condition may not be covered immediately. Some policies include a waiting period before coverage for these conditions becomes effective. We advise you to discuss your health condition openly with your insurer to ensure that you understand the terms and conditions of your coverage.

Yes, it is completely safe to do business with Protecto Assurances. Our platforms are secure, our advisors are certified, and all our phone calls are protected. In addition, we work exclusively with reputable Canadian insurers.

Contact the Helpline at the phone number listed in your coverage confirmation documents as soon as possible during a medical emergency. If you are unable to reach them immediately, please contact them within 24 hours to report the situation.

Doing business with Protecto Assurances offers you several advantages:

Comparison of offers : Access multiple insurance companies in one place to compare prices and coverages.
Personalized advice : Our experts help you choose the best policy according to your needs.
Customer service : We support you throughout your experience, whether it is to take out insurance or make a claim.

By choosing Protecto Assurances, you benefit from a tailor-made, fast and hassle-free service.

To change an insurance policy, please contact our customer service team. We will check the change options with the relevant insurer and provide you with updated details of your policy.

Our opening hours are as follows:

Monday to Thursday : 9:00 a.m. – 5:00 p.m.
Friday : 9:00 a.m. – 2:00 p.m.

Our web platform is available at all times to meet your needs.

No, we do not offer in-person service. However, you can book a phone call with one of our advisors, who will be happy to answer any questions you may have.