Home Travel Insurance Why Guests Want Journey Insurance coverage Earlier than Arriving in Canada

Why Guests Want Journey Insurance coverage Earlier than Arriving in Canada

Why Guests Want Journey Insurance coverage Earlier than Arriving in Canada


In 2024, Canada was ranked the world’s most secure nation for journey, and we couldn’t agree extra. Relying on the place you’re travelling from, worldwide journey to Canada could be difficult attributable to journey necessities from your property nation together with the Authorities of Canada’s journey restrictions. However to not fear—we’re right here to assist. This weblog publish will offer you nice sources, together with the advantages of TuGo’s Customer to Canada journey insurance coverage protection. 

Canadian Customer Visas & Permits

Whether or not you’re planning to go to Canada on a customer visa (referred to as a “short-term resident visa”) otherwise you’re a mother or father or grandparent trying right into a Tremendous Visa, you’ll want to verify your paperwork is so as. Don’t depart your analysis till the final minute! Learn concerning the standards particular to your customer wants.  . 

Tip: There are additionally sources for new immigrants to Canada who’re ready on their provincial healthcare to kick in. You would possibly even be a Canadian expat who’s returning residence to Canada, however aren’t eligible for provincial healthcare attributable to an prolonged depart.

Why Guests Want Insurance coverage

It’s essential for guests such as you to know that your medical insurance coverage from your property nation might not cowl you for sudden emergencies.  

Actually, the Authorities of Canada extremely recommends that you’ve a $100,000 minimal in journey insurance coverage protection since Canadian medical care could be pricey in the event you aren’t a resident. It’s best to arrive ready for any sudden mishaps or emergencies with journey insurance coverage.  

How Guests to Canada Emergency Insurance coverage Works

TuGo’s Customers to Canada Emergency Medical Insurance coverage is a complete choice for all ages that consists of protection for emergency medical remedy and hospital care for illness or harm, physician, ambulance, x-ray and diagnostic lab providers, prescription treatment and extra—together with 24/7 emergency help. 

On the subject of qualifying for protection, there are 3 essential factors to notice: 

  1. No matter your age, step one within the buy course of is guaranteeing you’re eligible for protection. Assessment the “eligibility” part of the coverage and/or contact your trusted insurance coverage skilled for help. 
  2. In the event you’re 59 years or youthful, you gained’t want to finish a Medical Questionnaire.  
  3. In the event you’re 60 years or older, you’ll want to finish a straight-forward 3-question Medical Questionnaire to find out the price of your coverage (also referred to as the “premium”).  

Take pleasure in these 11 advantages if you select to guard your self with TuGo’s Guests to Canada Insurance coverage:

1. COVID-19 protection

You’ll be lined for COVID-19 associated medical emergencies in case you have signs of COVID-19 and check optimistic for and are recognized with COVID-19 whereas visiting Canada. However bear in mind, necessary COVID-19 assessments (together with any COVID-19 check taken to satisfy authorities necessities) aren’t lined, whatever the check outcomes. 

2. Aggressive pre-existing medical situation protection

Even when you have already got a medical situation, we’ve received you lined, so long as you meet the coverage’s stability necessities for pre-existing medical situations. 

3. Protection exterior of Canada

You’ll be able to get pleasure from protection for worldwide journey, so long as nearly all of your interval of protection is spent in Canada. To be lined for side-trips exterior of the nation, you have to have travelled to Canada first. 

Notice: Visiting your property nation throughout your protection interval is allowed throughout the coverage interval, however bills incurred in your house nation gained’t be lined. 

4. Comply with-up post-medical emergency visits 

If you must go to the physician after an emergency medical remedy, you’re entitled to five follow-up visits, so long as they happen inside 14 days of your preliminary emergency medical remedy.


5. 24-hour accident insurance coverage

Protection as much as $25,000 for dying or dismemberment because of an accident. 

6. Ready interval necessities 

In case your journey insurance coverage is bought earlier than arriving in Canada, there’s no ready interval for any claims associated to illness.  

Nevertheless, in the event you didn’t purchase protection earlier than arriving in Canada, you possibly can nonetheless purchase protection when you get right here, taking these ready durations into consideration: 

  1. 48-hour ready interval on illness or sickness if the coverage is bought inside 60 days after arrival in Canada 
  2. 7-day ready interval on illness or sickness if coverage is bought 61 days or extra after arrival in Canada 
  3. The ready interval doesn’t apply to accidents. 

7. Skilled medical providers

As much as $600 for anybody incident per licensed practitioner, together with:

  • Physiotherapists
  • Chiropractors
  • Chiropodists
  • Osteopaths
  • Podiatrists
  • Optometrists
  • Acupuncturists

8. Maternity profit

You could be lined as much as $6,000 for pre-natal care and supply, and/or problems from these throughout the 9 weeks earlier than the anticipated date of supply, supplied the being pregnant started after the efficient date of the coverage. 

9. Household & Associates plan

This particular fee is accessible for as much as 2 adults 59 years of age and youthful, travelling with as much as 6 dependant youngsters. ‘Dependent youngsters’ is outlined as single youngsters as much as age 21 years of age who’re residing with their mother and father/guardians, or single youngsters as much as age 25 in the event that they’re full-time college students. No age restrict applies for dependant youngsters with cognitive, developmental or bodily disabilities. 

10. Sports activities & Actions Protection

Many sports activities and actions are lined beneath the Guests to Canada Emergency Medical Insurance coverage plan at no further price. However, in the event you’re a extra daring traveller and need to backcountry ski or snowboard, mountaineer, or take part in white water sports activities (Class VI), you’ll want so as to add Non-obligatory Sports activities & Actions Protection

11. MyFlyt™ service

With TuGo, you’ll get complimentary entry to MyFlyt™! When your flight’s delayed 2+ hours, you can select an airport lounge go or a money payout. 

One final tip…

If you’re searching for further protection as a visitor, you possibly can at all times add non-medical choices like Journey Cancellation & Journey Interruption Insurance coverage or Journey Interruption Insurance coverage Solely to emergency medical protection to guard your journey funding. 

Protected travels forward!

Editor’s Notice: This publish was initially revealed in April 2022, and has been up to date for freshness and/or accuracy.



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