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.

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.

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.

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.

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.

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.

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.

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

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

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