Sunday, September 25, 2016

International Experience Canada (IEC aka Working Holidays) Insurance

Canadian government requires health insurance at arrival in Canada : International Experience Canada

When you arrive in Canada, you will be greeted by a border services officer. Tell them that you have come here to work.


Be prepared to show the following documents:
  • your passport,
  • your Port of Entry (POELetter of Introduction,
  • proof of funds,
  • proof of health insurance,
  • a ticket for your departure from Canada or sufficient funds to purchase such a ticket, and
  • original copies of the documents you provided in your work permit application.
Note: If you are an unpaid International Co-op (Internship) participant, you may need to show proof of additional financial resources to cover expenses for your entire stay.
You will receive a work permit if the border services officer is satisfied that you are admissible to Canada.
If the officer is not satisfied, you may be asked to return to your country on the next flight at your own expense.

Health insurance

The border services officer may ask you for proof of health insurance.
You may be refused entry if you do not have insurance.
Your insurance must cover:
  • medical care,
  • hospitalization, and
  • repatriation (returning you to your country in the event of severe illness, injury or death).
When you arrive at the port of entry, you must have health insurance valid for your entire stay in Canada. Having a valid provincial health card is not enough. Repatriation is not covered by provincial health insurance.
If your insurance policy is valid for less than your expected stay, you will be issued a work permit that expires at the same time as your insurance.
If this happens, you will not be able to apply to change the conditions of your work permit at a later date.

If you do not have health insurance at arrival in Canada, please call us 1-888-298-6526(week days), we will arrange the insurance over the phone and e-mail it to you for your entry to Canada.

This happens often, don't panic. please call us.






Saturday, March 12, 2016

Are you moving from USA to Canada? if Donald Trump wins...and need medical insurance?

If you are concerned about a Donald Trump presidency and have been suddenly struck with an impulse to leave USA for Canada, you are not alone.

Donald Trump may become the President of USA! If that happens, and you decide to get out of there, you might be moving to Canada!







Well in that case, you need a medical insurance while you are in Canada.

Here we could offer:




Toll Free: 1-888-298-6526 

Email : info@biis.ca





Wednesday, March 2, 2016

Travel insurance for Pregnant visitors



Are you expecting a baby soon? Congratulations!

If you're a visitor to Canada and looking for coverage for your pregnancy, we're pleased to offer Visitors to Canada Plan from Manulife.

It has a benefit for medical emergencies due to complications of pregnancy.
Although the benefit is limited to "complications", it sure is a huge relief for expected mothers.
Please note that complications that happen in the 9 weeks before or after the expected date of delivery are excluded. Expenses for routine prenatal care, child birth, and a new born are also excluded.

You can choose option from Plan A or Plan B.   
NO pre-existing medical conditions are covered in Plan A; meanwhile these conditions may be covered in Plan B if stable for 180 days prior to policy effective date.


Key Features and Benefits



Over all maximum limit $15,000, $25,000, $50,000,$100,000, $150,000(*)
Deductible Options
$75, $500, $1,000, $2,500, $5,000
Emergency medical attention including hospital and physician services reasonably and customary costs up to sum insured
Paramedical services
up to $500 per profession for chiropractor, osteopath, chiropodist, physiotherapist or podiatrist, pro-approval required
Ambulance transportation reasonably and customary costs up to sum insured
Emergency dental treatment
up to $300 for pain relief
Preparation and return of mortal remains up to $3000
Emergency air transportation home
Economy class fare via most cost-effective itinerary
Additional meals and hotel $150/day to a maximum $1500
Bring someone to your bedside if travelling alone
up to $3000 for the return economy class airfare via the most cost-effective itinerary
Childcare $100/day to a maximum$300/trip
Return of children
children's economy class airfare home via the most cost-effective itinerary
Trip Break pre-approval required
Travel Accident(AD&D)
up to overall maximum limit
Travel insurance coverage is subject to eligibility, limitations and exclusions. For full details, please consult with your Manulife representative. For complete terms, benefits, conditions and exclusions, please see policy wording.

For more information, please email us at info@biis.ca

To get a quote of Manulife Visitors to Canada Plan: click here

The language in this page may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply.

Tuesday, February 16, 2016

Medical Costs in Canada - Real Stories 2



Can you guess how much it will cost you if you have a medical emergency in Canada?  Hint - Nearly $1,000 just to take an ambulance! 

The following claim examples may give you an insight of medical costs for visitors.

Case A - 2-year-old Male fall led to Concussion Precautions.  

The Bensons from England were visiting family in Canada when their 2-year-old, Denny, fell out of his high chair. Denny hit his head and lost consciousness. An ambulance took Denny to the hospital where he had a CT scan. They found a large bump on his head but no internal bleeding. The doctors advised Denny’s parents to take concussion precautions and return to the hospital if necessary, but otherwise enjoy their trip as planned.
Ambulance fees .................................................... $940.00
Hospital fees ........................................................$975.39
Doctors’ fees ........................................................$250.00
CT scan .............................................................$1,110.50
Total Cost paid by the insurer ............... $3,275.89 

Case B -  30-year-old Male  Skating Accident Led to Fractured Ankle

Wilson was visiting from New York. He was skating when he tripped and twisted his ankle. Due to severe pain, his friend called an ambulance to take him to the hospital. While there, X-rays showed Wilson had fractured his ankle. Doctors couldn’t apply a cast because there was too much swelling, so Wilson returned to the fracture clinic two days later. He went back four weeks later for another X-ray to ensure the fracture had healed; he bought crutches to move around, in the meantime. 
Ambulance fees ......................................................$925.00
Hospital fees ......................................................... $975.50
Doctors’ fees ......................................................... $250.00
Radiology fees ........................................................$135.75
Fracture clinic fees ................................................ $1,125.80
Crutches ...................................................................$45.13
Total Cost paid by the insurer................ $3,457.18

Case C - 53-year-old Male: Acute Upper Abdominal Pain from Gallstone Led to Surgery with Complications  

Sebastian was visiting from Switzerland, when he started experiencing acute upper abdominal pain. His family took him to the hospital where he was diagnosed with gallstones, requiring surgery. As a result of the surgery, Sebastian got an infection and sepsis that required him to stay in the hospital for 14 days. After he was released, Sebastian had to return to the hospital daily for IV antibiotic therapy for another seven days.
Hospital fees ........................................................$54,397.20
Doctors’ fees ..........................................................$8,460.00
Radiology and pathology fees .................................... $2,098.10
Outpatient IV fees ................................................... $1,050.45
Prescriptions ...............................................................$189.99
Total Cost paid by the insurer  ........$66,195.74
By the courtesy of our partner TuGo.


So, what do you think?
It's too late to apply for an insurance AFTER something happens.
Call us today and find out what you need to save you from unexpected medical bills.

Toll Free: 1-888-298-6526 (Toronto, ON) 1-888-298-267-4461(Vancouver, BC)
Email Inquiry: info@biis.ca

Tuesday, January 19, 2016

New Super Visa Insurance

New Visitors to Canada Lite Plan

This fresh new addition to our roster of Visitor to Canada plans is more affordable than ever. It is a fantastic option for visitors to Canada who do not have any pre-existing conditions and need minimum emergency medical coverage required for super visa applications.

Keeping you in mind, we have worked closely with our underwriters to create one of the most cost-effective plans in the market that still meets the necessary requirements of the Canadian super visa.

In addition to our already popular Visitors to Canada Emergency Medical Insurance Essential and Premier plans, we have a simplified option: Visitors to Canada Emergency Medical Insurance Lite Plan. This plan is an option for those who have no pre-existing conditions and are looking for minimal coverage at low-cost rates.

  • Must be eligible as per the ‘Eligibility Requirements’ (Page 3 & 4)
  • Automatic $250 deductible for each claim
  • Option for $1,000 deductible available for further cost savings!
  • No coverage for pre-existing conditions
  • No coverage provided for side trips to other countries
  • Follow-up visits not provided




Essential Plan New! Lite Plan
Emergency Medical Expenses $25,000, $50,000, $100,000, $300,000 $100,000 or $300,000
Physician, Surgeon, in-Hospital Duty Nurse Included Included
 Hospital Accommodations Semi-Private Semi-Private
 Ambulance transportation Included Included
 Diagnostic testing Included Included
 Medical equipment purchased or rented for therapeutic purposes Included Included
 Prescription Medications 30 day and $1,000 max In-Patient Only
 Emergency Return Home Included Included
 Emergency Dental Included No Coverage
 Accidental injury to teeth $2,000 No Coverage
 To relieve acute pain and suffering not related to an accident $300 No Coverage
 Repatriation Included Included
 Preparation and Repatriation of remains $5,000 $5,000
 Cremation or burial at place of death $3,000 $3,000
 Identification of Remains Included No Coverage
Travel Outside Canada - No more than 50% of total coverage period - 45 day maximum Included No Coverage
 Pre-Existing Conditions No Coverage No Coverage
 Base Deductible $0 $250
 Deductible Options Available $1000 only


Disclaimer: Travelance offers three Visitors to Canada Emergency Medical Insurance Plan options. Refer to, and review, the appropriate policy wording for specific details, as each plan is different.

The Travelance Visitors to Canada Emergency Medical Insurance Lite Plan is a separate wording booklet from our other Visitors to Canada Plans, due to the difference in coverages and exclusions. Be sure to review this new ‘Lite’ version.

Please contact Bridges International Insurance Services for the Lite Plan policy wording for details.

e-mail: info@biis.ca   Phone: 1-888-298-6526







Thursday, November 5, 2015

Ski in BC, Canada - Miking of the most of Winter

Randall Anthony Communications, in partnership with The Global and Mail's advertising department, states Winter within Canada as follows;

Making the most of winter - British Columbia is beyond compare but within reach.

Looking for a place to make the most of winter? British Columbia has it all.

1. Big White Ski Resort
2. Fernie Alpine Resort
3. Kicking Horse Mountain Resort
4. Kimberley Alpine Resort
5. Panorama Mountain Resort
6. Red Mountain Resort
7. Revelstoke Mountain Resort
8. SilverStar Mountain Resort
9. Sun Peaks Resort
10. Whistler Blackcomb
11. Whitewater Ski Resort





When it comes to snow sports, British Columbia has it all. It has the snow, the variety of runs to accommodate every level of expertise and every family member, the facilities and the lively apres ski culture. It is also easy to access from anywhere in North America.

Let's start with the snow. From early November, storms brewing in the North Pacific make their way across B.C. But these clouds have silver lining - they transform gentle slopes as well as steep and rugged terrain into a white-carpeted landscape perfectly suited for all levels of skiing and boarding.

In combination with sophisticated snow-making systems, these snowfalls allow BC's destination ski resorts to stay open for business from well before Christmas to May.

Much of the province's topography is dominated by big mountains, which are on par with some of the mightiest in the world. The mountain ranges run from east to west, and from top to bottom. Strategically placed among them are many ski areas and 11 top resorts offering extensive ski operations for every level of ability, preference and budget.

The glacier-clad Coast Mountains, home of Whistler Blackcomb, stretch thousands of kilometers from the Canada-US border all the way into Yukon and Alaska. The rolling of the Interior plateau - site of Red Mountain Resort, Sun Peak Resort, SilverStar Mountain Resort and Big White Ski Resort - lie to the east, where the snow gets drier. The eastern third of B.C. is dominated by the Columbia Mountains and the Rockies, where Revelstoke Mountain Resort, Kicking Horse Mountain Resort, Fernie Alpine Resort, Whitewater Ski Resort and Kimberly Alpine Resort are located.

Building on that solid foundation of mountains and snow, B.C. resorts offer an outstanding array of experiences, varied terrain and impressive life capabilities, a range of accommodation and dining choices, plus apres-ski and recreational offerings.

Accessibility for out-of-province visitors has improved dramatically in recent years. In addition to providing access to the Coast Mountains, Vancouver serves as a hub, facilitating transit from accross Canada and around the world to regional airports throughout the province. Air Canada, for example, offers a number of flights to various destinations in B.C.,including Vancouver, Kamloops, Cranbrook and Kelowna.

Calgary serves as a gateway to the resorts in Canadian Rockies and Kootenays. And expanded airport facilities at Cranbrook, Kamloops and Kelowna have made it easier than ever to jet in, with shuttle services taking guests directly nearby mountain resorts.

Why wait? Plan your fun in the snow. Visit winterwithin.ca for more inspiration.



 

Tuesday, August 4, 2015

Are you 90 years old and over, and looking for Visitors to Canada insurance?

REUNITING HAS NEVER BEEN EASIER

Our Visitors to Canada emergency medical travel insurance is designed to meet all Super Visa requirements, and coverage can be renewed for the total duration of your visa.

This means that you can get excellent protection for everyone that’s important to you and the reassurance of knowing that your coverage can stay with you for your entire time in Canada.

Even if you are older than 89 years old, we can find visitors to Canada insurance coverage for you.


Here are eligibility requirements:

1.You must be a visitor to Canada, a person with a Canadian work visa or Super Visa, an
immigrant to Canada or a Canadian resident, who is not eligible for a provincial or territorial
government health insurance plan in Canada.

2. You must be at least 15 days of age on the date of purchase.

3. You must NOT be travelling against the medical advice of a physician and/or have been
diagnosed with a terminal illness. A terminal illness means that you have a medical condition
that is cause for a physician to estimate that you have less than 6 months to live or for which

4. You must NOT have a kidney disease requiring dialysis.

5. You must NOT have Congestive Heart Failure, AIDS (Acquired Immune Deficiency
Syndrome) or require the use of home oxygen.

6. You must NOT be experiencing new or undiagnosed symptoms and/or know of any reason
to seek medical attention.

- $500 deductible (automatic) for Age 86 or over

-  No coverage for any Pre-Existing Medical Conditions


Need more information? Contact info@biis.ca or
Call us toll free : 1-888-298-6526