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Question: What are
the insurance companies?
Answer:
Manulife Financial, Blue Cross, TIC and Travel Underwriters
For more information about insurance
companies click here.
Question: Who are WE?
Answer:
We are an independent insurance broker representing many major
insurance companies. We work for you by shopping around the
market to save you time and money.
Since
1993, we have been helping families to find the best affordable
coverage with major reputable insurance companies.
Question: Who is not
eligible for the coverage?
Answer:
You are not eligible for the coverage if:
-
The
date of your trip occurs during the time that you have
been advised by a physician not to travel
-
You
have been diagnosed with a terminal illness with less
than two (2) years to live
-
You
have a kidney condition requiring dialysis; and/or you
have used home oxygen during the 12 months prior to the
date of application
-
Newborn
under 31 days or over 85 years of age*
*We
have plans that covers 85 years and above, please contact
us for more information 1-888-475-6446, e-mail info@insureMytravelplans.com
Question: Why do I need insurance?
Answer:
An unexpected medical emergency can happen to anyone and out
of pocket medical bills can easily run into thousands of dollars.
That is why it is highly recommended by "BON VOYAGE"
published by foreign affairs Canada, to buy adequate coverage
before leaving. (ICU) can cost approximately more than $3500
a day for a visitor to Canada - it does not include doctor(s)
fee and other medical expenses.
Government
health insurance plans do have limits on the reimbursement
of the emergency medical expenses incurred while in another
province. For example, air and ground ambulance costs, emergency
dental treatment and prescription drugs might not be covered
outside their province of residence. For maximum financial
protection you should purchase additional medical coverage
even while traveling within Canada.
Question:
Can I buy this coverage on behalf of my loved ones coming
to Canada?
Answer:
Yes, you may.
Question:
What is the best time to purchase the insurance?
Answer:
The best time to buy as soon as your travel plans are confirmed.
You may purchase at any time before or after the arrival of
the insured person. However, delaying the purchase may result
in some exclusions and limitations.
Questions:
What happens “after” the arrival coverage?
Answer:
If
you purchase AFTER the arrival:
- For visitors to Canada
insurance there is a waiting period for the sickness benefits
if you purchase within 30 days of arrival. After 30 days
the waiting period is extended to 8 days.
- There is NO waiting period
for accident benefits.
Please
note: any sickness that occurs within waiting period will
not be covered during the entire policy coverage period as
it will be deemed as pre-existing condition.
Make
it simple...
Question:
Do I need to pay the premium during the waiting period?
Answer:
Yes. Because the insured still has the accident medical benefits
and the sickness benefits will start immediately after waiting
period is over.
Questions:
Why should I pay for something for which I do not have coverage?
Answer:
You are paying for the accident coverage that provides protection
from day one and sickness coverage will start soon after waiting
period is over.
We
highly recommend purchasing this insurance weeks before the
intended arrival date of your loved ones this way ZERO waiting
periods for accident and sickness.
Question:
The insured is now pregnant, is there any coverage for her?
Answer: NO, The insurance company doesn’t
cover pregnancy, miscarriage, childbirth or related complications.
Question: Are
there any other hidden charges or taxes?
Answer:
No. There are no other charges or taxes to buy this insurance.
Question:
The insured has not decided how long he/she is going to stay
in Canada, what do you recommend?
Answer:
We suggest that you purchase the insurance for the entire
period of the intended stay. Later on, you may either
- Extend the coverage prior
to expiry should they decide to stay longer or
- Cancel the policy should
they leave earlier and get a refund for the unused days
however an administrative fee may apply.
Question:
What are the early cancellation conditions that I need to
know?
Answer:
You can only receive a refund of the premium if: a) you cancel
your policy at any time before the effective date of insurance;
or b) you return home before the date you were scheduled to
as per your confirmation, and have not had a claim, you may
ask for a refund of the premium for the unused days of your
trip (minimum 7 days). Simply contact the insurance company
to ask for a refund and make sure you provide proof of the
date you actually returned home. An administrative fee may
apply.
Question:
How will it affect the coverage if I renew the insurance on
a month to month basis?
Answer:
Renewing your coverage month to month may be cost effective
however, we strongly suggest for you to purchase this insurance
for the entire period of intended stay in Canada as one lump
sum. Otherwise the 180 days pre-existing condition exclusion
will apply to each monthly renewal - meaning any health condition
surfaced in any monthly policy will not be covered in the
following monthly renewal and so on.
Question:
Is there any administration fee for the policy renewal?
Answer:
No.
Question:
Can I still apply for a renewal after I have submitted a claim?
Answer:
Yes, but the sickness or accident condition in the previous
policy will not be covered in the renewal insurance policy
as it will be excluded under the 180 days pre-existing condition
clause.
Question:
Would you increase my premium if I make a claim?
Answer:
No, a claim will not affect your premium.
Question: For visiting
to Canada insurance, what coverage amount do you recommend?
Answer:
There are several coverage options to choose from however
we recommend that you purchase the maximum coverage affordable
because you wouldn't like to run out of insurance money at
the time you need it the most. For example, Intensive Care
Unit cost is about $3500 a day! This does not include doctor
fees, medication, diagnostic test fees and other medical expenses.
Unexpected medical emergency bills can ruin your health and
wealth.
Question: If the visitor aleady has
diabetes, high blood pressure or any other health problems,
what should I do?
Answer:
Consider purchasing a policy that has a stable pre-exisiting
conditions clause.
Question: I have 30 days of coverage on my credit card,
but I am traveling for 45 days. Can you provide coverage for
the additional 15 days only?
Answer:
YES, companies allow top up coverage of another insurer. You
are responsible for ensuring that their current coverage is
in force and allows top-up. Your top-up coverage is subject
to the terms and conditions of the Insurance plan.
Question: If I am a Canadian student studying in the
United States or abroad, can I buy coverage from you?
Answer:
You may purchase Emergency Medical coverage for periods of
up to 183 days (212 days if you reside in Ontario or Newfoundland)
consecutively, either through Single-Trip plans or Multi-Trip
plans.
Question: I am traveling with a grandchild. Are we covered
under a family policy?
Answer:
Yes, grandchildren fall under our definition of a dependent.
Question: Do you extend coverage automatically if my car breaks
down?
Answer:
Yes, we will extend coverage for up to 72 hours in the event
of a breakdown of your personal vehicle.
Question: Does your policy provide for services offered
in out-patient clinics and doctors' offices or do I have to
be hospitalized?
Answer:
A medical emergency is eligible for coverage if treated in
an out-patient clinic or doctor's office. You must contact
our Assistance Centre prior to receiving any treatment.
Question: Hospital and medical bills outside of Canada can
easily run into thousands of dollars. Would I need to pay
up front if I had an accident while travelling?
Answer:
No. Provided you contact claim Assistance Centre if you experience
a medical emergency or prior to treatment. Our Assistance
Centre will communicate with your medical provider, arrange
direct billing where possible and coordinate payment of the
emergency service received.
Question:
In the event of an emergency, what should I do?
Answer:
Please call the claim assistance centre open 24 hours a day,
365 days a year.
Premium
Payment
Question: Do I need
to pay the premium upfront?
Answer:
Yes, the insurance will not be in force unless full premium
is paid in advance.
Question: How do I pay the premium?
Answer:
Insurance companies accepts VISA, Master Card, American Express
to secure your coverage instantly.
Question: Do I get a receipt
of the payment?
Answer:
The credit card authorization number on the policy, a cancelled
cheque and the policy confirmation print out is your receipt.
A separate receipt can be produced upon request.
Question:
Can I pay the premium by Electronic Fund Transfer?
Answer:
No.
Premium
Refunds
Question:
If the insured decides to leave Canada earlier, can I cancel
the policy and get a refund?
Answer::
To obtain a refund of premium:
-
if
you cancel your policy at any time before the effective
date of insurance; or
-
if
you return home before the date you were scheduled to
as per your confirmation, and have not had a claim, you
may ask for a refund of the premium for the unused days
of your trip (minimum 7 days). Simply contact us to ask
for a refund and provide proof (Copy of return flight
ticket together with the insurance policy) of the date
you actually returned home. A $25 administration fee will
apply to any cancellation or refund of premium.
Claims
Question: Should
I send the claim documents to you?
Answer:
No, we do not handle claims or process claim documents, please
call the claim assistance centre and follow their instructions.
Question:
What documents are needed to support a claim?
Answer:
-
original
receipts for all bills and invoices;
-
proof
of payment made by you and/or by any other benefit plans)
-
complete
diagnosis by the attending physician or documentation
by the hospital, which must state that the treatment
was medically necessary)
-
proof
of the accident if you are submitting a claim for dental
expenses resulting from an accident;
-
proof
of travel dates for side trips outside of Canada; and
-
a
copy of your airfare ticket and passport confirming
travel dates and entry into Canada.
These
frequently asked questions are provided to help you
understand the important features of a travel insurance plan,
however policy provisions will govern. For a detailed description
of this insurance, its limitations and exclusions, please
read the sample policies HERE
before purchasing any policy.
Still
have more questions? Call us at toll free 1.888.475.6446.
We
will help you in making the right decision.
Do
you want your insurance to start now?
To
get a quick quote and apply online please click below!
Don’t
Delay! Insure it today!
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Did
you know that?
You
can save upto 25% on travel insurance.
Frequently
Asked Questions 