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Articles Canadian Visitors: Medical Insurance
Articles Canadian Visitors: Medical Insurance | Canadian Visitors: Medical Insurance |
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| Written by C. Ray Sondeo | |
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Visitor medical insurance to Canada is also called as travel health insurance. It protects international students, immigrants, tourists, foreign workers from any kind of medical emergency during visit to Canada. Visitor medical insurance will cover the medical expenses from illnesses or an accident while in Canada. With strong economic background and ideal educational centers, Canada has emerged as a major hub for all foreigners. Canada is not only a common and popular vacation destination it has the strongest economy in the G8. The strong Canadian economy has ensured that Canada remains a hot spot for Business travelers, new immigrants, foreign workers, and international students. Also, Canada has a high aging population, which means that health care system is overburdened. Canada's health care expenses rival the US as the most expensive in the world. Sample medical costs in Canada are simple doctor visits , ambulance, non-critical hospital stay cost, air ambulance, etc. which approximately cost a minimum of $100. Medical expenses prove to be financially catastrophic in Canada. Visitor insurance is highly recommended for personal safety to all the visitors as medical insurance, here, is quite affordable. For example, good individual coverage can be purchased for a 40 yr old for around $4 per day, and an entire family can be covered at around $14 per day. Canadian insurance companies have developed medical insurance plans for all type of visitors to Canada. Whether you are a business traveler, new immigrant, international student, foreign worker or just vacationing in Canada, a plan designed to suit your needs is available at an affordable rate. Business travelers and tourists visiting Canada: Visitor medical insurance is necessary to cover the high costs of medical care. Medical help is provided for the visitors to Canada to pay for the expenses incurred due to sudden and unexpected medical conditions. Coverage is made available up to 89 years of age. Pre-existing medical conditions are not included in the coverage. New immigrants to Canada: New immigrants to Canada are not eligible for provincial health insurance until they gain landed immigrant or permanent resident status. Foreign workers in Canada: Canada suffers from labor shortage. This has created ample opportunities for the foreign workers to enter Canada on the basis of work visa. But, these work visas are issued only for a period of six months. Hence, it becomes important to purchase visitor health insurance to cover the medical costs for the time spent living in Canada on a temporary work visa. Inpatriate medical insurance: Employers in Canada can provide visitor medical insurance to foreign workers by purchasing Inpatriate medical insurance. This insurance can be purchased for durations as one month for workers who have already arrived in Canada. Single, couple or family coverage is also made available. Inpatriate medical Insurance coverage is different from Visitor Medical Insurance as it provides for non-emergency medical visits. Visitors to Canada emergency medical insurance: Foreign workers are not provided with coverage unless their employers purchase them a private medical insurance. Canada emergency medical insurance for visitors is made available for personal coverage for your entire work term in Canada. It is recommended for the foreign worker to purchase insurance due to high medical expenses. Single, Couple, or family coverage is also available. Health and hospital insurance: This will provide the students with complete health coverage. Non-emergency and prescription drugs are also covered along with emergency medical coverage. Coverage by means of visitors insurance is also provided for the students spouse and family if they are residing in Canada. Emergency Medical Insurance: Similar in coverage as the health and hospital plan but does not cover non-emergency medical and prescription drugs are limited to a 30 day supply. Coverage can also be purchased for the students spouse and family while they are residing in Canada. Make sure that you are safe and enjoy 'peace of mind' during you stay in Canada by purchasing medical insurance. International students in Canada: Canada is a world leader in education. Many international students choose Canada for their foreign education destination. Not all international students are eligible for government sponsored health insurance, and those who are eligible may have to wait for at least 3 to 4 months before the coverage becomes effective. Also, international students not attending eligible educational institutions will not be covered by provincial government health insurance plan. Private medical insurance will be required. International students can choose to purchase complete health and hospital insurance or only emergency medical insurance. About the Author: C. Ray Sondeo is an expert on visitors health insurance. Get quotes, read our FAQs, and learn more about health insurance for US visitors on our website. |
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