11. Can I go to any doctor/hospital, or am I limited to specific medical practitioners?
There is no restrictions where you seek medical service in Canada, as long as the amount charged by the providers is Usual, Customary and Reasonable for a particular service, treatment, or supply.
12. What is covered by the Visitors Insurance?
Travel insurance is intended to cover sudden, unexpected, and unforeseeable circumstances. Please read the Benefits section for a summary of the available coverage.
13. Who is eligible for visitors to Canada medical insurance?
- Canadians who have returned to Canada who are not covered under a provincial health plan.
- Visitors to Canada who are here on business or vacation.
- Immigrants to Canada who are waiting on government health coverage.
14. What is not covered?
Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read and understand the policy before you buy Visitors Insurance.
The definition varies from policy to policy. Other common exclusion is accidents or illness caused by abuse of drugs or alcohol. Also not covered are routine health-care, elective or cosmetic surgery, and follow-up, non-emergency care that could be done in your home-country or province. Many plans limit benefits if insured fail to get advance approval for treatment. Some policies do not cover risky sports like bungee jumping, rock climbing, scuba diving or hang gliding. Self-inflicted injuries are not covered, nor are injuries caused while a policy-holder is committing a criminal act.
15. Can I purchase insurance for visitors over the age of 85?
Some insurance companies offer limited coverage for visitors over the age of 85.
Please call your agent for more information.