Visitors to Canada insurance is a good solution to guard you and your family from potential overwhelming costs of an unpredicted health care emergency. There are many options to choose from, so here are some guidelines to help you pick out a plan which is right for you:
Visitors to Canada insurance is a wise way to safeguard yourself and your family from potential devastating costs of an unexpected medical crisis. There are many options out there, so here are some tips to help you decide on a plan that is right for you:
1) Look at your credit card features: A number of credit cards have travel insurance as a bonus, so check your cards to ensure that you aren’t purchasing insurance coverage you could possibly have already. Still, review your card’s travel insurance exclusions very carefully. For example, certain cards don’t offer insurance coverage for people over the age of 65. Only a small number of cards (usually the ones with high annual rates) provide coverage that is the same as stand-alone plans.
2) Don’t put it off to the last minute to purchase your insurance: Yes it is a fact: Insurance plan questionnaires are long and usually complex. To fill in the questionnaire completely and properly, you may need to speak to your doctor, pharmacist, or a relative who knows more about your medical history. You need enough time to do all of this correctly, so it’s smart to start the process many weeks before hand. Numerous claim denials are a result of people hurrying through the questionnaire, or not asking about items that they were unclear about.
3) Don’t buy a plan based upon price alone: Cost is definitely a big consideration, however your policy should first meet your needs. Several insurance providers offer different plans (sometimes a lot different), so select a plan that will fit your particular needs given your health profile.
4) Consider a deductible to help keep rates down: Deductibles are the costs you accept to take care of before your plan’s coverage starts (typically the first $500 or $1000 in emergency healthcare expenses). The greater the deductible, the cheaper your premium. If you feel comfortable with a larger deductible, this is a great strategy to reduce insurance charges as well as your overall costs of travel. Having to pay the initial $500 of a medical emergency will sting, but it will most likely not ruin you financially. Just make sure you can pay the deductible to the hospital, doctor, or clinic if when you must.
5) Pick a Canadian insurance provider: Canadian insurance firms and Canadian medical service providers have an well-known infrastructure which include an integrated direct billing process. The claims operation with a Canadian insurance carrier is usually quicker and simpler compared to non-Canadian carriers. Using a non-Canadian insurer may also result in you paying for care prior to treatment, which adds a layer of difficulty and stress to a claim.
6) Understand pre-existing terms: Just because you have a pre-existing condition doesn’t necessarily mean you can’t get insurance. Plenty of plans include pre-existing conditions that are stable and controlled, but you have to really know what “stable and controlled” means. To illustrate, if you altered you medications by any means recently, your condition won’t be considered “stable” with numerous plans providers. If you have to complete a medical application, do it completely and accurately and have your physician to assist if required. Speak to your insurance company directly if you have issues. Non-disclosure of medical information can void your protection whether or not the non-disclosed conditions or symptoms have absolutely nothing to do with the conditions causing your claim.
7) Advise the insurer of any healthcare changes prior to leaving: If you’re an early purchaser and your health changes in any way between the time you buy your insurance and the date it goes into effect, you have to notify your insurer. A health change in the interim may possibly invalidate your plan.
Read your plan: Once you have decided on a plan, make certain to read the policy. If there’s a term you aren’t sure about, ask your agent to clarify or ask them to contact the insurer directly. Make sure you know who the assistance company is, and they give you a contact number, when and where you need help, on a 24/7 basis.