FAQ – Frequently Asked Questions About Insurance

Generally, no. An ongoing pregnancy and childbirth are treated as expected care rather than an unforeseen medical emergency, and most visitor policies exclude them.

Some policies cover unforeseen complications of pregnancy, but only up to a specific stage of the pregnancy and under strict conditions. Newborn care is almost always excluded.

The rules vary widely from one policy to another, and a pregnancy already known at the time of purchase is treated as a pre-existing condition. Talk to an advisor before choosing coverage and we will confirm exactly what the policy you are considering provides.

Some visitor insurance policies may cover pre-existing medical conditions, but only if the conditions set out in the contract are met.

In general, the insurer may require the condition to be stable for a certain period before the insurance start date. The definition of “stable” can vary depending on the insurer.

If the visitor has a medical history, takes medication or has had recent changes in their health, it is important to mention this before choosing a plan.

Super Visa insurance is emergency medical insurance for parents and grandparents applying for a Super Visa to come to Canada.

It helps cover certain unexpected medical costs, including emergency care, hospitalization and repatriation. This insurance is mandatory in order to submit a Super Visa application.

Coverage can vary depending on the insurer and the chosen contract, but visitor insurance for Canada can generally cover emergency medical expenses, hospitalization, ambulance services, medications prescribed following an emergency, certain necessary medical examinations, emergency dental care following an accident and medical repatriation.

Since protections are not identical from one insurer to another, it is important to compare the options before buying.

Travel insurance typically offers several types of coverage, including:

• Emergency medical care: Covers medical expenses in case of illness or accident abroad
• Trip cancellation and interruption: Reimburses non-refundable expenses if you need to cancel or cut short your trip
• Baggage: Covers loss, theft, or damage to your luggage
• Travel accident: Provides compensation in case of death or disability following an accident during the trip