Travel / Visitor Insurance for Winter Holiday Season for Ontarians

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Travel Insurance for Ontarians

Christmas is the most exciting time of the year, in any respect. It’s beautiful, it’s fun, it’s a fairy-tail period for children and adults. It’s time when families gather together. Whether it’s a Europe tour, long-waited Caribbean vacation, a family adventure, or an escape for two, don’t forget to protect what is most important to you with travel insurance from

Travel Insurance for Ontarians

Flight delays, lost luggage, trip cancellations, and sudden illness can happen when you least expect them. Make your comprehensive travel insurance an essential part of your winter holiday period trips. Even if you are going to visit your relatives in US for a few hours, don’t ignore buying a travel insurance policy: emergency medical expenses are not generally covered by OHIP. Don’t put yourself and your loved ones at risk. Canadian government strongly advises to purchase additional health insurance every time you leave Canada.

Travel insurance coverage varies but usually include the following:

  • Medical emergency
  • Lost, stolen or damaged baggage, personal effects or travel documents
  • Travel delays due to weather
  • Missed flight connection
  • Delayed baggage (and emergency replacement of essential items)
  • Emergency evacuation
  • Repatriation of remains
  • Return of a minor
  • Trip cancellation
  • Trip interruption
  • Accidental death
  • Overseas funeral expenses

Travel medical insurance can be purchased to include higher risks such as “winter sports”.

Usually, travel insurance can provide services 24 hours a day, 7 days a week.

Visitor to Canada Medical Insurance Plans

Your family or friends from your motherland got a visa to visit you in Canada? Congratulations! However, you have to realize that visitors are not covered by OHIP – Ontario Health Insurance Plans, so getting medical insurance for your visitors is almost as important as their visas to Canada. You don’t want the people you love facing significant out-of-pocket expenses if a medical emergency occurs while they are in Canada, do you?

There are different visitor medical insurance policies available, which are specially designed for Canada visitors to suit a spectrum of their needs and budgets. Emergency medical coverage is the most important component of them: only one toll-free call at any time of the day puts you in contact with a professional who will guide you to receive the care you need.

Visitor medical insurance plans can be purchased prior to or upon arrival in Canada. If a visitor medical insurance plan is bought after arrival in Canada, a waiting period applies:

  • 48-hour waiting period if the insurance is bought within 30 days of arrival in Canada
  • 8-day waiting period if the insurance is bought more than 30 days after arrival in Canada

Visitor medical insurance plans can be of two basic types – single-trip plans and multi-trip plans and they can provide up to $25,000 of travel accident insurance, as well as up to $150,000 coverage of the eligible emergency medical expenses.

The main benefits of medical insurance plans for visitors to Canada cover the following:

  • visiting a doctor
  • hospital stays
  • medical diagnostic tests
  • prescription drugs

If you have not reported or initiated a claim, you might get a refund if you cancel your policy BEFORE the effective date of insurance.

Toronto Life Insurance Broker Olga Ryjkova

www.insurancestoronto.ca
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