Travel Insurance for Visitors to Canada

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Either you are planning a trip or expecting loved ones from outside the country, you must be aware that travel insurance for visitors to Canada is essential, because they can end up facing significant out-of-pocket expenses if an unexpected event occurs. Coverage can be acquired prior to or upon arrival for people who aren’t Canadian residents and are not covered by provincial health insurance. People who are in Canada or a work visa can also benefit from travel insurance.

 

Travel Insurance for Visitors to Canada Travel Insurance for Visitors to Canada Pictures
  • Why Consider Travel Insurance

Travel insurance for visitors to Canada costs less than the amount you will have to pay in case of personal injury, flight changes or trip cancellation. Furthermore, the Canada border will check to see if you have adequate coverage because your U.S. health insurance will most likely not cover you in a foreign country. The chances that you might need medical care while you are on a business trip or holiday are higher than most people think. Approximately 50% of travelers will need medical assistance that is not covered by their insurance plan. Car accidents are the number one reason people need hospitalization while they are visiting Canada, according to the Centers for Disease Control and Prevention. With proper coverage, you will be able to focus on getting better in case of illness, rather than worrying about the bills.

  • What you need

The public health system in Canada called Medicare offers essential medical assistance for all permanent residents and citizens. If you are planning to become a resident, you will need travel insurance for visitors in Canada until you qualify for Medicare. This includes coverage for lost, stolen, damaged baggage or personal items, trip interruption, trip cancellation, accidental injuries, sudden illness, dental care, natural disasters, delayed flights and pre-existing medical conditions. If you do not qualify for medicare, items such as glasses, ambulance services and drugs are not covered. Although interruption and cancellation insurance can be quite expensive, it covers you in the event of evacuation or an earthquake. Baggage insurance if often part of the overall plan.

  • Types of insurance

You have several choices regarding travel insurance for visitors to Canada. Depending on the length of your stay, you can purchase a short-term plan for vacations that last a few days or weeks, or a long term plan. You can also choose a multi-trip annual insurance if you are a frequent traveler to Canada and plan more than two trips in one year. If you are traveling with a companion, minor or family members, consider a a duo cover, family plan or a single cover with a child listed on the certificate. Your plan can have a low deductible or a high deductible and you can also select extra travel benefits such as coverage for high-risks activities.