Visitors to Canada are not covered under Canada’s universal health care system. Emergency medical treatment can be expensive. Our VTC plans provide emergency medical benefits to policyholders for sudden and unforeseen events.

It is recommended purchasing a Visitors to Canada Emergency Medical Insurance (VTC) policy prior to departing one’s home country. If the insured purchases the policy after arriving in Canada, they can be subjected to two waiting periods; one for sickness and one for injury.

A deductible is the amount of covered expenses, per event, that the client is responsible for paying before any remaining covered expenses are paid under the policy. The deductible can help in reducing the overall cost of the insurance premium.

In most cases , the insured /Advisor can reach out to the insurance provider to request an extension of coverage as long as the plan has not expired and there has been no claim, no change in health, and no injury, illness or symptom that would give rise to a claim.

All extensions are subject to the approval of the insurance provider.

It all depends on the pre-existing condition, and the terms and conditions of the policy. Some insurance companies offer plans that cover pre-existing conditions as long as they have been stable for a certain period of time (3 to 6 months) before the effective date. Sometimes, pre-existing conditions will not be covered. It is important to read your entire policy to make sure you are aware of the definitions affecting coverage, as well as the possible exclusions that may apply.

A super visa allows parents and grandparents of Canadian Citizens or Permanent Residents to stay in Canada for up to 5 years at a time without having to renew their status. A super visa is issued for up to 10 years and allows for multiple entries during the duration of the visa.

For more information on the super visa please visit: https://www.canada.ca/en/immigration-refugees-citizenship/services/visit-canada/parent-grandparent-super-visa/eligibility.html

Proof of payment for medical insurance from a Canadian Insurance company that is:

• Valid for at least 1 year from the date of entry

• At least $100,000 emergency coverage

Source: https://www.canada.ca/en/immigration-refugees-citizenship/services/visit-canada/parent-grandparent-super-visa/apply.html

Yes. If the super visa application is denied, full premium refund of the policy is available.

To complete the refund, a copy of the visa denial letter is required.

Yes, monthly payment options are available for super visa Insurance.