Frequently asked questions

Q:Do I need to purchase insurance from a Canadian company instead of one from my home country?

A: It's recommended to buy insurance from a Canadian company because Canadian medical providers prefer working with local insurers, enabling direct billing and faster claims processing. Canadian insurers are also regulated to high standards and offer added security, like government-backed reinsurance. Additionally, showing proof of insurance in English or French at immigration is often easier.

Q: How much visitor medical insurance should I buy for my mother visiting next month?

A: Hospitalization costs for visitors to Canada can exceed $3,000 per day, and air ambulance fees can reach tens of thousands of dollars. We suggest purchasing $100,000 in medical insurance coverage to protect against unexpected expenses and provide the peace of mind you need.

Q: Who can apply for the new Parent and Grandparent Super Visa?

A: Parents and grandparents of Canadian citizens or permanent residents may apply for the Super Visa if they meet specific requirements. Immigration officers will evaluate factors such as the applicant's ties to their home country, visit purpose, financial situation, and an invitation from a Canadian host to determine eligibility.

Q: Can I get coverage for a pre-existing condition with visitor insurance?

A: Coverage for pre-existing conditions depends on the insurance policy and the condition's stability. Some plans cover conditions that have been stable for 3 to 6 months before departure, while others may exclude them. It's crucial to read the policy details to understand coverage and any exclusions.

Q: Why is it mandatory to buy visitor insurance from a Canadian travel insurance company instead of one from your home country?

A: The Canadian government mandates purchasing visitor insurance from Canadian companies because they are regulated by Canadian laws, ensuring claims are handled by companies under their jurisdiction. This reduces the risk of unpaid claims and avoids the government having to intervene in disputes with foreign insurers.