Do you need insurance to travel in Canada? Canada Travel Insurance Guide Push 20 18

Maple leaves have been loved by people from the beginning. Whether the forest is completely dyed or the maple leaves are occasionally red like flames, they are so beautiful and affectionate. Canada, a country full of maple leaves, is inevitably more popular.

However, if you travel abroad and are in a foreign country, there will always be some accidents if you are not careful. Some people may ask, do you need insurance to go to Canada? Of course, if there is an accident, can these insurances give you many benefits?

Canada travel needs insurance!

Next, Bian Xiao attached a Canadian travel insurance guide, remember to keep it!

1) What is emergency medical insurance? Is it necessary for tourists to visit relatives?

This kind of insurance is aimed at people who are not covered by the Canadian government's medical plan, but have a sense of risk prevention and need to bear the medical expenses in Canada when an emergency occurs. Generally, they hold a tourist visa, a visiting visa or a Super visa (Super

Visa) visitors to Canada;

Temporary residents who hold work visas or student visas but are not within the scope of the provincial medical plan; Or new immigrants waiting for health card processing.

Canada has the best national health insurance system in the world, but for non-Canadian residents/citizens outside the system, they cannot enjoy the free medical benefits provided by the government. If medical expenses occur, it will be very expensive.

This is also the reason why people choose to buy medical insurance in advance before going out and establish risk prevention measures for possible high medical expenses in advance.

Therefore, whether you plan to travel to Canada or visit relatives (especially older tourists), it is recommended to buy an emergency medical insurance that suits you to ensure the safety of the whole trip.

2) The coverage and insurance details of emergency medical insurance?

This kind of insurance covers the medical expenses incurred in an emergency, that is, it does not cover general examination, selective treatment or treatment that can be postponed until returning to the country of origin.

There are many insurance companies in the market that provide this kind of insurance, and the types of insurance are more complicated. Each company may have different maximum claims for various insurance items, but in general, they usually cover the following types of medical services:

1, doctor's treatment fee

Standard hospitalization expenses and hospitalization expenses for examination, treatment and prescription drugs.

Outpatient diagnosis/prescription drug costs (emergency, outpatient, doctor's office, etc.). , generally with the claim amount as the upper limit)

2, private responsibility care/licensed home care costs

Emergency transportation (ambulance, helicopter, etc.). ) Be treated by chiropractor, masseur, osteopath, physiotherapist or acupuncturist.

3. Death benefits

Used for funerals and the return of the remains; Or return to the country of origin in an emergency.

Accidental death or disability insurance

3) If there are multiple policyholders on a policy, is the nature of insurance the same? How to calculate the premium?

The scope of insurance belongs to the category of emergency medical treatment, and the terms and nature of insurance are roughly the same. However, due to the different conditions of the insured, some types of insurance and premiums are different.

For example, a family of five (husband and wife, grandparents, children) who come to Canada to travel, although they all choose emergency medical insurance, the types of insurance and premiums they can choose will be different due to their age and physical condition.

Generally speaking, young couples (under 60 years old) will be regarded as the most favorable rate, and stable chronic diseases (stable chronic diseases refer to controllable hypertension, hyperglycemia, diabetes, etc.). , and there has been no acute attack in the past 180 days) will be directly covered, and there is no need to fill in a medical statement.

For elderly grandparents (over 60 years old), it will be subdivided into "standard rate" or "underwriting stable chronic disease rate". The former is more favorable than the latter, and there is no need to fill in a medical statement. The latter can cover the acute attack of chronic diseases in a stable period and needs to fill in relevant medical statements.

For the elderly (for example, 85 years old), some insurance companies will stipulate that the underwriting responsibility will not begin until 15 after the policy takes effect.

In addition, if a policy has two or more insured persons, you can enjoy certain premium concessions. For families with minor children, you can choose "family price (family

Rate) ",at this time, only the premiums of parents (under 60 years old) are basically paid, and children are also included in the scope of protection.

4) What other factors affect the premium?

1. Expected number of days in Canada:

It is recommended to buy insurance before arriving in Canada to avoid the waiting period for the policy to take effect. Because the emergencies in flight are also covered by the insurance company, when purchasing insurance, the effective date of the policy can be earlier than the day before the arrival date to ensure the safety of the whole flight.

This kind of insurance generally calculates the premium according to the number of days, which means that the longer the stay, the higher the premium;

2. Age of the insured:

Age is one of the important factors that affect the premium. Different age groups will have different rates. The older you get, the higher the risk, and the more expensive the premium will naturally be. Generally, the insurance company will adjust the premium based on the birthday of the guest, so the policy that takes effect before the birthday will be cheaper accordingly;

Insured amount and deductible: deductible is also called "self-payment", which means that the insured can choose the deductible by himself, and the medical expenses within the deductible are borne by himself, and the medical expenses beyond the deductible are borne by the insurance company.

General insurance companies provide "$0", "250", "1 0,000" and even "1 10,000". Of course, the higher the deductible, the cheaper the premium. And there are many options for coverage, such as "$25,000" and "$50,000", or

"$ 100000" and so on. The higher the insurance coverage, the more expensive the premium.

5) Does buying insurance help to apply for a Canadian visa?

At present, in addition to the super visa, the government requires applicants to purchase for a period of 1 year, and the insured amount is at least 1 10,000 Canadian dollars. At present, there is no mandatory requirement for other types of visas, and whether to purchase them is entirely voluntary.

Of course, buying insurance is mainly a kind of protection for yourself and your family, which may be helpful for the visa to pass, but it is not a decisive factor.

6) If you need to see a doctor, how to use insurance and how to claim compensation?

After choosing an insurance plan and paying the premium, you can receive an electronic or paper insurance policy from the insurance company, and both forms of insurance policies have legal effect. You need to keep this document, show it when you see the doctor, and bring the claim form for the doctor to sign.

If it is an outpatient service or a small amount of medical expenses is paid in advance by the insured, the original receipt and the claim form signed by the doctor will be sent to the insurance company for claim settlement. However, if it is a major accident and requires a large amount of medical expenses, the insurance company will directly contact the hospital to pay the expenses.

At present, most insurance companies require the insured to call the insurance company's free assistance hotline (providing multilingual services) before receiving treatment to remind the insurance company of the upcoming claims. If you forget to call the hotline without prior notice, the claim amount may be affected.

7) If I travel to other countries during my stay in Canada, is the insurance still valid?

According to the regulations of the insurance company, as long as you stay in Canada for more than 565,438+0% during the insurance period and go to other countries (non-country of origin, such as China) during this period, the insurance will still effectively cover the emergency medical expenses during your departure.

8) If I leave Canada early, can the remaining premium be refunded?

The answer is yes. If you leave Canada before the policy expires, you can apply for a refund of the remaining premium with your boarding pass or valid departure certificate.

On the other hand, if you decide to extend the insurance time, you need to inform the insurance company to start a new policy before the original policy expires, so as to avoid unnecessary waiting period and the embarrassment of no insurance due to the empty window between two insurances.

If you like this maple leaf country, you must come here sometime. Walking on the maple leaves all over the ground, rustling sounds, maple trees everywhere, and occasionally falling maple leaves are all romantic and stories.

Enjoy the story and romance here and don't forget to come here. You'd better buy a travel insurance!