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.

Friday, September 25, 2009

Visitors to Canada Platinum Plan


* 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


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.

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.

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.