Canada visa insurance: why you need it, how much it costs, how to use it, and what insurance coverage includes.
Insurance is a document that, in the event of a certain medical event, allows you to receive free medical care or subsequently compensate for treatment.
For example, you purchased insurance for 1,000 rubles for a coverage amount of $50,000. If an insured event occurs, you will be able to receive free hospital care, as well as buy medications for an amount not exceeding $50,000. If the insurance is not required during its validity period, it expires.
Do you need insurance to get a visa to Canada?
There are no official requirements for having insurance for a trip to Canada; accordingly, it does not have to be included in the package of documents for a visa . But in this article we will help you figure out whether it is still worth taking out medical insurance, and what the consequences of not having this document are.
Many tourists from all over the world flock to Canada . The issue of insurance always remains relevant for many reasons:
- active recreation, including boating, alpine skiing – can be traumatic;
- Canada’s climate is unstable, which can also lead to negative health consequences;
- you never know what the reaction will be to acclimatization, time zone change and a new “kitchen”.
If you are planning to study in Canada , insurance will be required. In some cases, it is provided by the educational institution for an additional fee, and sometimes students must purchase it themselves.
The following insurance companies are suitable for you for a student visa: Alfastrakhovanie, Allianz (does not cover Covid-19), RESO, Renaissance and Sovcombank.
Risks of not having insurance
Lack of travel insurance when traveling to Canada can have unpleasant consequences for you.
- Refusal of a visa.
Lack of insurance reduces the chances of a positive result for one simple reason – insufficient funds in the account.
Yes, your deposit may cover the trip, but what if it comes down to an accident or the flu? And medicine in Canada is not cheap. The result in this case will depend on the subjective opinion of the officer considering your application.
Now this point is not very relevant, because visas take a long time to be processed. Accordingly, we cannot guess for what dates you need to take out insurance so that it does not burn out.
- High medical costs. help.
If you feel unwell and decide to call a doctor or an ambulance, you risk spending from $100 to $300. Not to mention the cost of tests, medications and hospitalization. Insurance will significantly reduce these costs.
How much is insurance
The cost of insurance for a Canada visa is calculated based on the parameters you select. The key ones are:
- age;
- coverage amount;
- travel duration;
- availability of additional options.
For children under 1 year of age, the insurance amount is much higher, since infants more often need medical care. The same can be said for persons over 65 years of age.
If we take children over 1 year of age, the amount will also be slightly higher than for adults.
Example calculation for an adult
- age: 27 years old;
- insurance coverage amount: $50,000;
- travel duration: 7 days;
- insurance price: 930 – 1030 rub.
Example calculation for those 65 and over
- age: 65 years;
- insurance coverage amount: $50,000;
- travel duration: 7 days;
- insurance price: 998 – 1620 rub.
Calculation example for a baby
- age: up to 1 year;
- insurance coverage amount: $50,000;
- travel duration: 7 days;
- insurance price: 1551 – 1996 rub.
Example calculation for a 5 year old child
- age: 5 years;
- insurance coverage amount: $50,000;
- travel duration: 7 days;
- insurance price: 930 – 1396 rub.
Example calculation for a 10 year old child
- age: 10 years;
- insurance coverage amount: $50,000;
- travel duration: 7 days;
- insurance price: 930 – 1034 rubles.
The cost also depends on current exchange rates, so each time you need to make a new calculation. We use a reliable insurance aggregator – Cherehapa, which has the lowest prices and a large selection of insurance companies.
Find out the cost of insurance
You can view the current cost of insurance and purchase it by clicking the button below.
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What does insurance cover?
Any insurance has standard coverage and additional options that you can include at your discretion.
Standard included:
- appointment with a doctor, if there are appropriate indications;
- ambulatory treatment;
- stay and treatment in hospital;
- transportation to a doctor or clinic;
- transportation with medical assistance from abroad;
- reimbursement of costs for prescription drugs;
- reimbursement of expenses for conversations with the service center;
- repatriation in case of death.
Also, some companies include emergency dental care as part of their standard services. Pay attention to this immediately when choosing insurance.
Additionally included:
- emergency dental care;
- payment for travel to your place of residence after treatment in the hospital;
- travel payment for the accompanying person;
- payment for accommodation insured before departure after hospital treatment;
- payment for a visit in case of emergency;
- payment for accommodation of an accompanying person in the event of an emergency with the insured;
- payment for travel home for the insured’s young children;
- early return in case of death of a close relative;
- temporary return of the insured home;
- assistance as a result of terrorist attacks;
- disaster relief;
- relief of exacerbation of chronic diseases;
- relief of allergies;
- help with sunburn;
- assistance in case of alcohol intoxication;
- dengue fever insurance.
How to buy health insurance
We recommend purchasing insurance on a trusted website – Cherehapa . We have been using it for our clients who need a visa to Canada for 5 years. This is the most inexpensive and reliable aggregator and contains a large number of insurance companies.
After purchasing, print out the electronic insurance policy or save it to your mobile phone so that you can quickly use it if necessary.
How to use insurance in Canada
To use insurance in Canada, there is a certain algorithm that will help you do everything correctly and save your money. If you have an insured event, then:
- Contact your insurance company. Its number is usually indicated on the insurance itself. There are also numbers for specific countries.
- The manager will tell you which clinic to contact so that the payment is covered by insurance. It will help you navigate the description of your ailment.
- For any questions, including prescribed treatment, please contact the company. Otherwise, you may end up having to pay for treatment yourself.
If it does happen that you have to pay for the treatment from your own funds, be sure to request the following documents in order to reimburse the costs later:
- invoice for treatment;
- payment receipt (including all medications);
- hospital extract in English.
We provide a number of services for obtaining visas to Canada , so if you need help, write to us, we will be happy to help.