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FAQs
Immigration Canada recommends at least $100,000 of medical insurance coverage as hospit
You can purchase anytime, but it’s recommended to buy before arrival in Canada. If purchased after arrival, sickness coverage may h
The deductible is the amount you pay before the insurer reimburses. There are per-claim and per-policy-period deductibles. Higher deducti
Any sickness, injury or condition where you had symptoms, saw a doctor, were hospitalized, or were prescribed medication before coverage
Yes, but if your policy excludes pre-existing conditions, you’ll only be covered for new sicknesses and injuries.
Some insurers offer coverage if your condition is stable (unchanged) for 3–6 months before travel. Maintenance care is not covered,
No. You can buy online anytime and get coverage from the next day.
Yes, if you’re in good health and have no pending claims. But symptoms or doctor visits during your previous policy period may coun
Yes, before the effective date (minus admin fee). Partial refunds may apply after start if you leave early or get provincial coverage &md
Yes — as long as charges are Usual, Customary and Reasonable for that area.
Coverage is for sudden, unexpected, and unforeseeable illnesses or injuries. See your policy’s “Benefits” section for f
- Canadians without provincial health coverage
- Visitors on business/vacation without proper eligibility
- New immigrants awai
Policies generally exclude:
- Pre-existing conditions (varies)
- Injuries from alcohol/drug abuse
- Routine care, elective
Some companies offer limited coverage — call for details.
Yes — discounted group rates are available.
Yes — they work with major Canadian insurance companies.