Questions & Answers
Yes, you can buy our insurance plans even if you are already in Canadian territory. A 48-hour waiting period will apply within 30 days after arrival in Canada.7 days waiting period will apply for more than 30 days after your arrival in Canada, Healthcare for symptoms that appear during the 48 hours following the purchase of insurance is not covered. Medical emergencies ensuing from an accident are subject to no waiting period.
It depends on the pre-existing condition, and the terms and conditions of the policy. Cover pre-existing conditions as long as they have been stable for a certain period of time (120 days) before the effective date. Sometimes, pre-existing conditions will not be covered. It is important to read your entire policy to make sure you are aware of the definitions affecting coverage, as well as the possible exclusions that may apply.
2. be at least 15 days old on the date of purchase;
3. not have been diagnosed with a terminal illness; or not have been diagnosed with stage 3 or 4 cancer; or
4. not have been diagnosed with or have required medical treatment for kidney disease requiring dialysis; or
5. not have been diagnosed with or have had an episode of congestive heart failure;.or
6. not have had a lung condition for which, in the last 12 months, you have been prescribed or used home oxygen; or
7. not have received or is awaiting a bone marrow or major organ transplant.
2. If termination of your policy is requested because you must return to your country of origin prior to your scheduled return date, a partial amount (less an administration fee of $40 per insurance policy) of the premium paid may be refunded, provided no claim has been incurred at any time during your trip
Most policies can be extended up to one year of time in Canada, provided you are still in good health and do not have any prior or pending claims on the policy.
No. There is no medical exam required prior to purchase. There may be some medical questions that are asked as a part of your online application.
In the Event of emergency or hospitalization, you must call Ontime Care Worldwide Inc. (OTC) immediately:
From Canada and U.S., call toll free 1-866-209-5804
From all other locations, call collect 905-707-9555
Your medical emergency coverage begins after your arrival in Canada. After that time, as long as the majority of your period of coverage is spent in Canada, you may be covered for during travel outside Canada. However, expenses incurred in your own country will not be covered.
Yes. Anyone can purchase a visitors insurance policy on behalf of someone coming to Canada. In fact, you should know that if a person is coming to Canada and you have sponsored their stay, you will be responsible for their medical bills if they cannot pay for them. So even if they don't want to pay for higher coverage, you might want to buy it for them anyway.
- Visitors to Canada here on business or vacation
- Immigrants to Canada waiting for government health coverage approval
- Canadians who have returned to Canada and are not yet covered under a provincial health plan.