Visitors to Canada Insurance is not only for those who are visiting Canada, but returning Canadians from overseas waiting for provincial health plan, foreign workers with working permit waiting for provincial health plan, international students who are no longer attending Canadian school.
They are all eligible for Visitors to Canada Insurance except some preexisting medical conditions. If you have medical conditions, please send us e-mail or give us a call
Sunday, January 31, 2010
Saturday, December 12, 2009
Another Claim
A 10 year old girl from Portugal was visiting her grandparents in BC when she was hospitalized for 4 days with ruptured appendix. Luckily, her family had purchased a 2 month Visitors to Canada policy for only $140. It covered her more than $17,000 in hospital expenses completely.
Thursday, December 10, 2009
Claim example
A British mother staying with her daughter in Ontario has emergency bowel surgery due to a life-threatening obstruction. Her $372, 3 months plan from TIC covers everything - mere peanuts compared to the $12,289 hospital bill.
Visitors to Canada Insurance would help such case.
Visitors to Canada Insurance would help such case.
Friday, September 25, 2009
Visitors to Canada Platinum Plan
Highlights
* Emergency Hospital/ Medical Insurance, up to $300,000 CAD
* 24-hour Accident Insurance and Air Flight Insurance, up to $25,000 CAD
* Worldwide travel coverage
* Pre-existing condition coverage available
SUMMARY OF BENEFITS
This insurance is available in aggregate benefits limits from $20,000 in increments of $10,000 up to a maximum of $300,000 per insured person.
Emergency Medical Treatment
Actual, usual and customary charges for reasonable and necessary Hospital and medical expenses for:
* Emergency Hospital confinement as a resident in-patient - limited to semi-private accommodation
* Emergency Medical Treatment as an outpatient.
* The services of a Physician.
* The services of a licensed ambulance, including mountain and sea rescue to the nearest Hospital.
* X-ray examinations and diagnostic laboratory procedures provided treatment is a direct result of the initial Emergency Medical Treatment
* Medicines and/or drugs for a maximum period of 30 days or up to a maximum of $10,000
* Rental of essential medical appliances including but not limited to wheelchairs, crutches and canes
* Private duty nursing services when ordered by the Physician in lieu of hospitalization.
Non-Emergency Medical Treatment
Benefits are payable up to a maximum limit of $3,000 per Policy for non-emergency Medical Treatment, provided treatment is a direct result of the initial Emergency Medical Treatment.
Other Professional Medical Services
Services of a licensed physiotherapist, chiropractor, chiropodist, osteopath, podiatrist for the relief of Acute Emergency pain, up to a maximum limit of $500 per practitioner.
Emergency Air Transportation
This benefit is payable only when pre-approved and arranged by OneWorld Assist Inc.
* Medical air evacuation to the nearest medical or for return toYour country of permanent residence, or
* the cost of stretcher fare or one-way economy airfare on a commercial flight to Your country of permanent residence for immediate medical attention, and
* the cost of a return economy airfare on a commercial flight for a qualified medical attendant to accompany You when the attendant is medically necessary or required by the airline.
Return of Insured Travelling Companion
This benefit is payable only when pre-approved and arranged by OneWorld Assist Inc.
If You are returned to Your country of permanent residence under the Emergency Air Transportation Benefit or the Repatriation Benefit, the Company will reimburse a one-way economy airfare back to point of departure for one Travelling Companion.
Family Transportation
This benefit is payable only when pre-approved and arranged by OneWorld Assist Inc.
If an attending Physician considers it necessary, the Company will reimburse one economy return airfare or ground transportation costs for a Family Member to be with You while You are in Hospital, and $100 per day for meals and commercial accommodation.
Out of Pocket Expenses
The Company will reimburse up to $200 per day to a maximum of $2,000, in the event You or Your Travelling Companion are confined to Hospital on the date on which You are scheduled to return to Your country of permanent residence, for reasonable and necessary commercial accommodation, meals, telephone calls, and taxi or bus fare.
Child care
The Company will reimburse up to $50 per day to a maximum of $500 for child care costs in the event You are confined to Hospital and thus prevented from returning to Your country of permanent residence. This benefit is only applicable to children travelling with You.
Dental Services
The Company will reimburse up to a maximum limit of $4,000 for an Accident requiring the repair or replacement of sound natural teeth or permanently attached artificial teeth. Also, benefits are payable for other Emergency treatment for dental pain relief, other than pain caused by an Accident, up to a maximum limit of $600. All dental treatment must be initiated within 48 hours from the time the Emergency began and completed no later than 90 days after the treatment began.
Maternity
The Company will reimburse up to a maximum of $3,000 for pregnancy, childbirth and complications thereof in the last nine (9) weeks of the expected date of delivery provided the pregnancy commenced after the effective date of the Policy.
Repatriation
In the event of Your death during a trip, as a result of an Accident or unexpected Sickness covered under the Policy Benefits, the Company will reimburse for:
* preparation and return of Your body, including the cost of a standard shipping container (excluding the cost of a casket) to Your country of permanent residence to a maximum of $12,000; or,
* burial or cremation at the place of death (excluding cost of a burial coffin or urn), in the event Your body is not returned to Your country of permanent residence, to a maximum of $5,000.
Return of Vehicle
If the attending Physician determines that as a result of an Emergency, You are incapable of continuing Your trip by means of the Vehicle used for the trip and Your Travelling Companion is unable to do so for You, the Company will reimburse the actual reasonable and necessary charges incurred for a commercial agency to return a Vehicle that You own or rent to either Your country of permanent residence or the nearest appropriate vehicle rental agency. The maximum benefit payable is limited to the amount it would cost the Insurer to return Your Vehicle, but in no event will the maximum benefit payable exceed $2,500.
* For complete details, refer to the website The language in this web page may differ from the official policy wording, which will prevail. Exclusions, limitations and conditions may apply. Please contact Bridges International Insurance Services
* Emergency Hospital/ Medical Insurance, up to $300,000 CAD
* 24-hour Accident Insurance and Air Flight Insurance, up to $25,000 CAD
* Worldwide travel coverage
* Pre-existing condition coverage available
SUMMARY OF BENEFITS
This insurance is available in aggregate benefits limits from $20,000 in increments of $10,000 up to a maximum of $300,000 per insured person.
Emergency Medical Treatment
Actual, usual and customary charges for reasonable and necessary Hospital and medical expenses for:
* Emergency Hospital confinement as a resident in-patient - limited to semi-private accommodation
* Emergency Medical Treatment as an outpatient.
* The services of a Physician.
* The services of a licensed ambulance, including mountain and sea rescue to the nearest Hospital.
* X-ray examinations and diagnostic laboratory procedures provided treatment is a direct result of the initial Emergency Medical Treatment
* Medicines and/or drugs for a maximum period of 30 days or up to a maximum of $10,000
* Rental of essential medical appliances including but not limited to wheelchairs, crutches and canes
* Private duty nursing services when ordered by the Physician in lieu of hospitalization.
Non-Emergency Medical Treatment
Benefits are payable up to a maximum limit of $3,000 per Policy for non-emergency Medical Treatment, provided treatment is a direct result of the initial Emergency Medical Treatment.
Other Professional Medical Services
Services of a licensed physiotherapist, chiropractor, chiropodist, osteopath, podiatrist for the relief of Acute Emergency pain, up to a maximum limit of $500 per practitioner.
Emergency Air Transportation
This benefit is payable only when pre-approved and arranged by OneWorld Assist Inc.
* Medical air evacuation to the nearest medical or for return toYour country of permanent residence, or
* the cost of stretcher fare or one-way economy airfare on a commercial flight to Your country of permanent residence for immediate medical attention, and
* the cost of a return economy airfare on a commercial flight for a qualified medical attendant to accompany You when the attendant is medically necessary or required by the airline.
Return of Insured Travelling Companion
This benefit is payable only when pre-approved and arranged by OneWorld Assist Inc.
If You are returned to Your country of permanent residence under the Emergency Air Transportation Benefit or the Repatriation Benefit, the Company will reimburse a one-way economy airfare back to point of departure for one Travelling Companion.
Family Transportation
This benefit is payable only when pre-approved and arranged by OneWorld Assist Inc.
If an attending Physician considers it necessary, the Company will reimburse one economy return airfare or ground transportation costs for a Family Member to be with You while You are in Hospital, and $100 per day for meals and commercial accommodation.
Out of Pocket Expenses
The Company will reimburse up to $200 per day to a maximum of $2,000, in the event You or Your Travelling Companion are confined to Hospital on the date on which You are scheduled to return to Your country of permanent residence, for reasonable and necessary commercial accommodation, meals, telephone calls, and taxi or bus fare.
Child care
The Company will reimburse up to $50 per day to a maximum of $500 for child care costs in the event You are confined to Hospital and thus prevented from returning to Your country of permanent residence. This benefit is only applicable to children travelling with You.
Dental Services
The Company will reimburse up to a maximum limit of $4,000 for an Accident requiring the repair or replacement of sound natural teeth or permanently attached artificial teeth. Also, benefits are payable for other Emergency treatment for dental pain relief, other than pain caused by an Accident, up to a maximum limit of $600. All dental treatment must be initiated within 48 hours from the time the Emergency began and completed no later than 90 days after the treatment began.
Maternity
The Company will reimburse up to a maximum of $3,000 for pregnancy, childbirth and complications thereof in the last nine (9) weeks of the expected date of delivery provided the pregnancy commenced after the effective date of the Policy.
Repatriation
In the event of Your death during a trip, as a result of an Accident or unexpected Sickness covered under the Policy Benefits, the Company will reimburse for:
* preparation and return of Your body, including the cost of a standard shipping container (excluding the cost of a casket) to Your country of permanent residence to a maximum of $12,000; or,
* burial or cremation at the place of death (excluding cost of a burial coffin or urn), in the event Your body is not returned to Your country of permanent residence, to a maximum of $5,000.
Return of Vehicle
If the attending Physician determines that as a result of an Emergency, You are incapable of continuing Your trip by means of the Vehicle used for the trip and Your Travelling Companion is unable to do so for You, the Company will reimburse the actual reasonable and necessary charges incurred for a commercial agency to return a Vehicle that You own or rent to either Your country of permanent residence or the nearest appropriate vehicle rental agency. The maximum benefit payable is limited to the amount it would cost the Insurer to return Your Vehicle, but in no event will the maximum benefit payable exceed $2,500.
* For complete details, refer to the website The language in this web page may differ from the official policy wording, which will prevail. Exclusions, limitations and conditions may apply. Please contact Bridges International Insurance Services
Thursday, April 9, 2009
Visitors to Canada insurance claim
Tourism is one of Canada's largest industries, and last year 1,566,000 travellers visited friends and relatives in Canada. Travel insurance are sold to clients travelling outside of the country or province, but sometimes forget about those visiting. As the weather warms up, the number of people visiting Canada increases by a significant margin.
Did you know that non-residents (visitors) pay more for medical emergency and hospitalization than Canadian residents? Those costs can really add up. No matter what age, it's important for visitors to purchase adequate protection. Use this claims example to emphasize the benefits of emergency medical coverage.
A 13-year-old girl from Korea was visiting her aunt and uncle in Canada when she developed acute abdominal pain. She was rushed to the hospital and underwent an emergency appendectomy. A few days later, she underwent a second operation because of a severe infection. She spent a total of 18 days in the hospital. Without insurance, her out-of-pocket cost would have been $77,429.
When regarding Visitors to Canada coverage, be sure to point out the all-inclusive package as a great option. This package includes emergency medical as well as Trip Cancellation/Trip Interruption, AD&D and baggage insurance.
This season, don't forget this important protection. Make sure your clients' friends and relatives travel protected. Inform them about Visitors to Canada coverage and why visitors need insurance.
Contact our specialists for Visitors to Canada Insurance.
Did you know that non-residents (visitors) pay more for medical emergency and hospitalization than Canadian residents? Those costs can really add up. No matter what age, it's important for visitors to purchase adequate protection. Use this claims example to emphasize the benefits of emergency medical coverage.
A 13-year-old girl from Korea was visiting her aunt and uncle in Canada when she developed acute abdominal pain. She was rushed to the hospital and underwent an emergency appendectomy. A few days later, she underwent a second operation because of a severe infection. She spent a total of 18 days in the hospital. Without insurance, her out-of-pocket cost would have been $77,429.
When regarding Visitors to Canada coverage, be sure to point out the all-inclusive package as a great option. This package includes emergency medical as well as Trip Cancellation/Trip Interruption, AD&D and baggage insurance.
This season, don't forget this important protection. Make sure your clients' friends and relatives travel protected. Inform them about Visitors to Canada coverage and why visitors need insurance.
Contact our specialists for Visitors to Canada Insurance.
Wednesday, December 17, 2008
Other Examples of Recent Claims
You need visitors to Canada insurance even for a short period of time while visiting Canada. Be prepared, no regrets.
A 71 year-old visiting her grandson in Canada for a month, falls in a parking lot and fractures his hip. She requires immediate surgery and several days of acute rehab before being discharged. She paid $43.75 in premium.
Cost of her claim: $104,944.11 CDN
Please find coverage details at visitors to Canada insurance page.
A 71 year-old visiting her grandson in Canada for a month, falls in a parking lot and fractures his hip. She requires immediate surgery and several days of acute rehab before being discharged. She paid $43.75 in premium.
Cost of her claim: $104,944.11 CDN
Please find coverage details at visitors to Canada insurance page.
Wednesday, October 29, 2008
Visitors to Canada Emergency Hospital & Medical Plans
As Canadians with free medical care, we sometimes forget that visitors to our county must pay all medical expenses out of their own pocket.
A stay in Canadian hospital isn’t cheap. Rockyview General Hospital in Calgary costs $2,110 a day for the intensive care unit. Toronto General Hospital charges $3,980 per day and McGill University Health Care Centre charges $4,386 a day.
With these kinds of prices, it makes sense that visitors obtain travel insurance. Visitors to Canada Emergency Hospital & Medical Plans come in two varieties – the Basic Plan and the Select Plan.
The Basic Plan contains a $50 deductible and includes coverage for Hospital Confinement and Medical Services, Ambulance Services, Return Home, Prescription Medication and more.
The Select Plan has no deductible and has additional coverage such as Accidental Death & Dismemberment, Transportation of Relative or Friend, Follow-up Visits and Attendant.
Both plans allow visitors the option of insuring themselves for different sums - $10,000, $25,000, $50,000, $100,000 or $150,000. One of the greatest benefits of Visitors to Canada insurance is that travelers automatically receive worldwide coverage as long as they spend most of their time in Canada.
Visitors certainly don’t expect to be paying for medical services while they’re here. But with Visitors to Canada travel insurance they’re better prepared, just in case.
For more details about TIC’s Visitors to Canada travel insurance, visit http://www.biis.ca/e/visit.html
A stay in Canadian hospital isn’t cheap. Rockyview General Hospital in Calgary costs $2,110 a day for the intensive care unit. Toronto General Hospital charges $3,980 per day and McGill University Health Care Centre charges $4,386 a day.
With these kinds of prices, it makes sense that visitors obtain travel insurance. Visitors to Canada Emergency Hospital & Medical Plans come in two varieties – the Basic Plan and the Select Plan.
The Basic Plan contains a $50 deductible and includes coverage for Hospital Confinement and Medical Services, Ambulance Services, Return Home, Prescription Medication and more.
The Select Plan has no deductible and has additional coverage such as Accidental Death & Dismemberment, Transportation of Relative or Friend, Follow-up Visits and Attendant.
Both plans allow visitors the option of insuring themselves for different sums - $10,000, $25,000, $50,000, $100,000 or $150,000. One of the greatest benefits of Visitors to Canada insurance is that travelers automatically receive worldwide coverage as long as they spend most of their time in Canada.
Visitors certainly don’t expect to be paying for medical services while they’re here. But with Visitors to Canada travel insurance they’re better prepared, just in case.
For more details about TIC’s Visitors to Canada travel insurance, visit http://www.biis.ca/e/visit.html
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