Frequently asked questions and answers

You should contact your insurer’s assistance center as soon as you have a health emergency. The center is available 365 days a year, 24 hours a day, 7 days a week. The assistance center can accompany you, guide you and direct you to the ideal resource depending on the situation. No matter where you are, the assistance center can handle communications with health care centers to facilitate your exchanges and your claim.

In order to purchase leisure travel insurance coverage for Canadians, you must be covered by your provincial health insurance plan (e.g. RAMQ) for the entire duration of your stay outside your province of residence. Our licensed team has alternative coverage options should you lose your provincial plan.

The travel insurance provided by your credit card provider may not be complete. That is, it may not cover certain expenses that are considered eligible under a specialized travel insurance policy. What’s more, many credit card providers limit the duration of their insurance coverage to a few days. It’s important to read the contract carefully to avoid unpleasant surprises.

The travel insurance provided by your group plan may not be complete. That is, it may not cover certain expenses that are considered eligible under a specialized travel insurance policy, or it may have certain exclusions. Many group plans do not cover professional or business travel. It’s important to read the contract carefully to avoid unpleasant surprises.

A portion of your travel medical insurance premium may be tax-deductible if you are self-employed. If you are not self-employed, the portion of the premium applicable to emergency medical insurance could be considered an eligible medical expense for tax credit purposes. However, we recommend that you consult your tax advisor or accountant for more details and information about applicable tax laws.

Yes, you can submit a request to change the policy start date before the policy start date.

A request for a change must be sent before the policy effective date to info@assurancevisiteurs.ca and include the policy information (insured’s name, policy number, insurer).

An adjustment to the policy rate may apply if the request is submitted after the insured’s birth date.

Yes, your policy can be renewed if you still meet the eligibility criteria of the policy you have chosen. If your health has deteriorated, our support team will help you find the best solution for your situation.

Each insurer has its own cancellation and refund policy, which is indicated in the contract and sets out the process for submitting a request.

As a general rule, when a visa application is refused, you must send us a request for cancellation or refund before the effective date of the policy at info@assurancevisiteurs.ca . This must include the visa refusal letter, copies of all passport pages, and policy information.
A fee, as well as an adjustment to the policy rate, may apply if the application is submitted after the effective date of the policy. No refunds will be issued if a cancellation or refund request is submitted after the due date.

Yes, in most cases. Each insurer has its own specific conditions and definition of “pre-existing conditions”, as well as different exclusions. These generally relate to the insured’s general state of health and age. If you are taking medication or have a particular health situation, we recommend that you contact our accredited team, who will be able to assist you according to your situation.

You should contact your insurer’s assistance center as soon as you have a health emergency. The center is available 365 days a year, 24 hours a day, 7 days a week. The assistance center can accompany you, guide you and direct you to the ideal resource depending on the situation. No matter where you are, the assistance center can handle communications with health care centers to facilitate your exchanges and your claim.

A prolonged absence from Canada may affect your eligibility for provincial health insurance. It is important to validate the eligibility requirements of each province and to inform the responsible authorities of any trip or other stay outside the province that contravenes the presence rule applicable to your situation.

Consequently, if you are not covered by the provincial health insurance plan, medical and hospitalization expenses will not be covered. These costs can be very high, depending on the emergency and health situation. Insurance can help cover this risk.

https://www.ramq.gouv.qc.ca/en/citizens/absence-quebec

Yes, you can make the purchase even if you’re outside Canada, and even if you’re no longer covered by your provincial health insurance plan. There are no additional fees, even if you make the purchase after your departure.

Yes, upon your permanent return to Canada, some insurers offer to maintain coverage for up to 90 days, provided the insured has been covered for more than 52 weeks. More specific conditions may apply depending on the policy of certain insurers. Please contact our team for further information.

Yes, if the health condition has been stable for 180 days.

Here is the exclusion clause for a medical condition existing prior to the effective date of insurance: “Any medical condition (except a minor ailment) for which you have, prior to the effective date of insurance, sought or received medical care, advice, follow-up visits, consultations or taken prescription medication in the one hundred and eighty (180) days prior to the effective date of insurance. However, this condition will be covered if, for a subsequent period of at least three hundred and sixty-five (365) consecutive days, you have not sought, received or received medical care, advice, follow-up visits, consultations or taken prescription medication in connection with this condition.”

A prolonged absence from Canada may affect your eligibility for provincial health insurance. It is important to validate the eligibility requirements of each province and to inform the responsible authorities of any trip or other stay outside the province that contravenes the presence rule applicable to your situation.

Consequently, if you are not covered by the provincial health insurance plan, medical and hospitalization expenses will not be covered. These costs can be very high, depending on the emergency and health situation. Insurance can help cover this risk.

https://www.ramq.gouv.qc.ca/en/citizens/absence-quebec

In the event of an unexpected health problem or accident, an uninsured visitor could face significant medical expenses. To prevent this risk, an international student insurance plan will cover eligible medical expenses related to a medical emergency during your stay in Canada.

We’ve selected a variety of coverage plans from several insurers to meet your needs. Depending on the insurer, some plans offer coverage for medical emergencies and various medical expenses, with amounts ranging from $2 million to $5 million per traveler.

To study in Canada, in most provinces, you must have health and hospitalization insurance for the duration of your studies. That’s why most educational institutions require proof of insurance before the start of the semester.

Reference  :
https://www.quebec.ca/en/education/study-quebec/required-conditions
https://www.canadavisa.com/student-health-insurance-across-canada.html

Yes, you can travel as long as the time spent in your country of study represents at least 51% or more of the coverage period.

Expenses incurred in your province of residence will not be covered. An exclusion will apply if World Affairs Canada has issued a written notice advising against all travel to the city, region or country in question.

Yes, if you are an eligible student, the plan will cover any dependents under the age of 40 who accompany you. Your dependents must be on the same plan as you, have the same travel dates and live at the same address.

You will not lose your coverage during this period, but expenses incurred in your province of residence will not be covered. If you have a medical emergency while in Canada, your provincial health insurance plan will pay for it.

A pre-existing condition is an illness, injury or health problem that existed prior to the effective date of insurance, for which you may or may not have sought medical attention, or for which you have exhibited signs and symptoms.

Most insurers impose a minimum waiting period of 48 hours when the policy is taken out after arrival in Canada, or when a previous policy expires. Any illness occurring during this waiting period, as well as related expenses even if incurred once the waiting period is over, are not covered.

We recommend that you choose your insurance coverage before you arrive in Canada. That way, you’ll be able to anticipate any delays in activating your coverage.

A deductible is the predetermined amount you must pay before the remaining eligible expenses are covered by the insurer. In other words, the deductible is the amount that remains at your expense in the event of a claim.

Your wallet card will be issued within hours of your policy being purchased and paid for. This card will be included in the coverage confirmation e-mail. You will not receive any documents in the mail at the time of subscription.

It is very important to contact your insurer’s emergency assistance service before visiting a medical clinic or hospital. You’ll find your insurer’s contact details on the confirmation of coverage, contract and/or wallet card you received when your policy was issued.

We invite you to contact our team at 1-800-607-1920 or info@assurancevisiteurs.ca to learn more about the different insurance plans that may be right for you. You can also click on the “Get a quote” button if you’d like to compare different offers.