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Common exclusions and limitations in visitors insurance policies in Canada
Visitors to Canada should consider purchasing insurance to cover medical expenses, which can be a substantial financial burden for non-residents. However, visitor insurance policies often have exclusions and limitations, such as pre-existing conditions, non-emergency procedures, mental health care, high-risk activities, and more. Understanding these common exclusions and limitations in a visitor insurance policy is crucial for making informed decisions.
- What does visitor insurance cover in Canada?
- Why is visitor to Canada insurance important for non-residents?
- What are the typical exclusions in a visitor insurance policy?
- Other common exclusions for visitors to Canada health insurance
- What are the limitations of visitors’ insurance policies?
- What medical conditions should be mentioned when getting visitor health insurance for parents in Canada?
- Can you be refused visitor to Canada insurance?
- Tips for choosing the right insurance policy in Canada
- Frequently asked questions
Medical treatments are usually expensive in Canada, especially for foreigners, since they aren’t covered under the country’s provincial healthcare plan. Visitors’ health insurance provides comprehensive coverage for visitors to Canada. However, like all insurance policies, visitor insurance comes with specific exclusions and limitations that anyone visiting the country needs to understand.
This blog will cover the most common exclusions and limitations in a visitor insurance policy in Canada, helping you make an informed decision when choosing the right plan.
What does visitor insurance cover in Canada?
Visitor insurance in Canada offers emergency medical protection for non-residents during their trip. Typically, this insurance provides coverage for some crucial healthcare requirements, such as:
The breadth of coverage ensures that visitors can enjoy their time in Canada with peace of mind, knowing they are safeguarded against the high healthcare costs in the event of unforeseen medical emergencies.
Why is visitor to Canada insurance important for non-residents?
Visitors to Canada insurance is essential for non-residents because Canada’s public healthcare system does not cover non-residents, international students, or temporary workers.
Without this insurance, a simple doctor’s visit or a walk-in clinic could be anywhere from $100 to $600, while an emergency room or hospitalization could be as high as $6,000 per day!
Having a comprehensive visitor insurance policy ensures that non-residents have access to quality care without the fear of exorbitant bills.
Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them below.
What are the typical exclusions in a visitors’ health insurance?
While visitor insurance provides essential coverage, several health conditions are not included. Understanding these exclusions can help avoid surprises and ensure adequate preparation for any medical situation.
Other common exclusions for visitors to Canada health insurance
- War and terrorism: Injuries or illnesses resulting from acts of war or terrorism are typically not covered
- Ignoring medical advice: Any emergency that occurs or recurs after medical advisors recommend that the foreigner return home following emergency treatment and the visitor chooses not to, is excluded
- Non-compliance with prescribed treatment: Not following recommended or prescribed therapy or treatment can void coverage
- Aviation-related activities: Any death or injury sustained while piloting an aircraft, learning to pilot an aircraft, or acting as a member of an aircraft crew is excluded
What are the limitations of visitors’ insurance policies?
In addition to exclusions, visitor insurance policies also come with certain limitations such as coverage limits, waiting periods, restrictions on specific health conditions, or limitations when it comes to partner hospitals that restrict the scope of coverage.
- Coverage limits: There are often maximum amounts the insurance will pay for a covered medical service. Coverage limits can range from $150,000 in the case of Manulife to $500,000 in the case of Allianz or Tugo. Companies like RIMI-Secure Travel and MSH International offer coverage as high as $1,000,000. Once this limit is reached, the visitor must cover any additional costs
- Waiting periods: Most insurance companies have a waiting period on their visitor health insurance policy that generally varies from 48 hours to 8 days. However, the waiting period does not apply to claims related to accident/injury – clients are covered for accidents/injuries from the moment of purchase, except for Travelance which imposes a 24-hour waiting period for accident/injury as well.
- Restrictions on specific ailments: Policies may limit coverage for certain conditions or treatments, particularly if they are deemed high-risk or require specialized care
- Limited network hospitals: Some insurance plans only cover treatment at specific hospitals or clinics within a designated network. Seeking care outside this network may result in reduced coverage or a complete denial of claims
What medical conditions should be mentioned when getting visitor health insurance for parents in Canada?
When you’re getting medical insurance for parents in Canada, it’s essential to mention any chronic illnesses, past surgeries or hospitalizations, and even mental health conditions to ensure proper coverage. Key conditions that you must disclose include:
Can you be refused visitor to Canada insurance?
Yes, you can be refused to avail the visitors to Canada insurance based on various factors, such as any undisclosed pre-existing medical conditions, high-risk health profiles, or advanced age.
Insurers may also deny coverage if applicants have a history of severe illnesses or require ongoing treatment that poses a significant risk. Additionally, people who live in rehabilitation centers, or old age homes or require assistance with conducting day-to-day activity may also be denied coverage.
Tips for choosing the right insurance policy in Canada
Choosing the right visitor insurance policy in Canada is all about tailoring the coverage to fit your unique needs and circumstances. Start by assessing your personal health and any pre-existing conditions, as well as the activities you plan to enjoy during your stay.
Also, consider the length of your visit—whether it’s a short trip or an extended stay, having the right level of coverage can protect you from unexpected medical costs, giving you the freedom to explore Canada without financial worry.
To get a customized plan with the best prices, connect with an insurance expert at PolicyAdvisor. We’ll help you find a one-stop solution for all your visitors’ insurance needs!
Frequently asked questions
What should visitors do if their insurance policy has a significant exclusion?
If a policy has a significant exclusion, visitors should consider purchasing supplemental coverage or a different policy that provides the needed protection. It is also advisable to review exclusions thoroughly before purchasing a plan.
Are there any policies that cover all types of medical care without exclusions?
No policy covers all types of medical care without exclusions. All insurance plans come with specific exclusions, but some may offer more comprehensive coverage than others. It is essential to compare policies and choose one that provides the best balance of coverage and cost.
How can visitors get coverage for high-risk activities?
Visitors participating in high-risk activities should look for specialized insurance plans that offer coverage for such activities. Some insurers such as Tugo provide optional add-ons to cover extreme sports or other high-risk activities.
What steps should be taken in case of a medical emergency if the insurance policy has limitations?
In case of a medical emergency, visitors should immediately contact their insurance provider to understand the coverage and limitations. They should also follow the prescribed steps in their policy for emergency situations to ensure maximum coverage and avoid claim denials.
- Non-residents in Canada should have visitor insurance to avoid high out-of-pocket medical expenses, as they are not covered under Canada's public healthcare system
- Visitor insurance policies typically exclude pre-existing conditions, non-emergency procedures, mental health care, high-risk activities, and more
- Policies often have coverage limits, waiting periods, and restrictions on certain ailments or treatments
- To find the best insurance, assess personal needs, consider the length of stay, and consult with insurance brokers to secure comprehensive and appropriate coverage
