Let’s start the week from learning important facts about Visitors to Canada insurance(most rules apply for Super visa as well):
1. Visitors to Canada insurance have two types of coverages: with and without pre-existing conditions. You must choose the package based on the visitor’s health
2. There is a waiting period if you buy the insurance policy after the visitor arrives to Canada. It is important to but the insurance prior to departure.
3. There is a stability period that needs to be met when you purchase the coverage with pre existing conditions. So the existing health conditions will be covered.
4. You do not have to give details like names of medications or detailed recovery plan of the visitor to the agent, since we are not allowed to go through details like that anyway. However, we still need to be informed about the existing conditions and how stable they are to provide the best advice possible.
5. Remember to go over the exclusion part of the policy. It is very important.
6. If your visitor goes back home early, you’re eligible for a particular refund if no claims were submitted.
7. In a time of an emergency you must call the insurance company within 24 hours
8. Some policies cover the flights to and from Canada (some conditions apply)
9.You can make a few claims during one trip, and the company will pay out all of them up to the sum insured
10. The policy does not cover routine care and does not include maintenance medications or vaccinations.