While VTC plans are not meant to match Canada’s well-known health care plans, visitors can take the advantages of having Travel Insurance for Visitors to Canada in case of any medical emergency.
Depending on the province or territory of your arrival, visitors to Canada are not covered under any Government Health Plan or Landed Immigrants might have to wait for three months for their Canadian Government Health Insurance Plan (GHIP) to come to affect. And in this phase, they’re not eligible for benefits under Canada’s authorized healthcare plan.
It is recommended to the visitors to obtain emergency health insurance to financially protect themselves and their families from the costs they’ll require in the event of medical emergency during their stay.
There is a privilege to extend a policy, rather than purchasing a new one every time to drop the gaps between the coverages. A gap in insurance comes when the term of the policy has expired while your stay in Canada. A set waiting period is applied if you get the insurance after arrival in Canada or don’t extend the coverage on time. For example, if someone who has been uninsured and get the insurance after 30 days of arrival in Canada, he/she may need to wait for at least 48 hours to be eligible for emergency health insurance. You will not get any benefits from your insurance if any sickness or Injury occurs in that waiting period.
That’s why we always recommend buying an insurance before arrival in Canada to avoid any waiting period.
As the coverage varies via different insurance providers, always read their policy cautiously to understand the benefits, Terms and conditions, and limits.
If you’re a visitor to Canada seeking an emergency medical insurance to secure the time for your travel or you are Landed immigrant waiting until your GHIP comes into effect you can purchase Visitors to Canada plan.