– Family rate applies for three or more applicants – parents or legal guardians and their dependent children under the age of 21 or up to 25 years if the child is a full-time student or if the child is mentally challenged or physically handicapped.
– Pre-existing conditions – coverage for complications of stable medical conditions is available. Stability periods, definitions, and requirements are different for each insurance plan. Please read and understand your insurance policy or consult one of our licensed insurance brokers before submitting your application.
Some Visitor Insurance plans offer coverage for stable pre-existing conditions. Eligibility varies, so always verify specific details with your insurance provider.
Yes, Visitor Insurance policies are typically extendable if requested before your current policy expires.
Yes, but it's recommended to buy coverage before arrival to avoid waiting periods or exclusions.
Most providers offer coverage to visitors of all ages, though premiums and options may vary based on age.
Many providers offer partial refunds if you leave Canada earlier than planned, provided no claims have been made. Terms vary by insurer.
Mandatory medical coverage required by Canada for Super Visa applicants to cover emergency healthcare.
A minimum of $100,000 emergency medical coverage from a Canadian insurance provider.
Monthly payments are available; however, proof of full-year coverage must be shown at visa application.
Traveling can be exciting, but unexpected medical emergencies can cost thousands of dollars. Travel insurance protects you from these costs, ensuring you have financial coverage while traveling outside Canada, outside your province, or even for a short trip to the U.S.
A medical emergency while traveling can lead to unexpected expenses. Here’s why you need travel insurance:
Critical Illness Insurance provides a tax-free lump-sum payout if diagnosed with serious illnesses like cancer, heart attack, or stroke.
It covers medical costs, income loss, and recovery expenses, ensuring financial stability during treatment.
Commonly covered illnesses include cancer, heart attack, stroke, kidney failure, major organ transplant, Alzheimer's disease, and others.
Term life insurance offers temporary financial coverage over a set term (10, 20, or 30 years), ensuring financial security for beneficiaries.
You can renew, convert to permanent insurance, or allow the policy to expire. Renewals often have increased premiums.
Yes, many policies allow conversion without a medical exam within a specific period outlined in the policy terms.
Yes, premiums are fixed throughout your chosen term, ensuring predictable payments.
Term life insurance typically covers most causes of death, but exclusions like suicide within initial years can apply. Review your policy carefully.
Permanent life insurance provides lifelong coverage, guaranteed death benefits, and a cash value that grows over time.
Whole Life offers fixed premiums with guaranteed cash value growth, whereas Universal Life offers flexible premiums with investment options.
"Your loved ones deserve security—let a licensed life insurance agent help you choose the right insurance protection to fit your needs and budget."
