How to choose the best travel medical insurance Canada?

Are you planning a visit to Canada and unsure about the healthcare options? Let’s explore  healthcare for visitors, the differences between insurance types, and the importance of travel medical insurance. Especially, Travelner Insurance will assist you in choosing the best travel medical insurance Canada for your next trip with our comprehensive guide.

Enjoy a worry-free trip with travel medical insurance Canada

1. Introduction about health care for visitors to Canada? 

While Canada is renowned for its high-quality healthcare, it's important to note that visitors are not covered under the universal health care system governed by the Canada Health Act. The public health insurance is available only to Canadian citizens and permanent residents. This means that individuals visiting Canada, whether for tourism, business, or any other purpose, do not benefit from the same healthcare privileges as residents.

Without suitable insurance, medical costs can be expensive and visitors may face significant financial burdens in the event of a medical emergency or even routine medical services. This is why visitors should get insurance to cover health-related costs. Therefore, this article will guide you through the process of choosing insurance, particularly the best medical insurance for travel to Canada.

2. The different between international health insurance & travel insurance for visitors to Canada 

If you're a visitor to Canada, there are two main types of insurance to consider: international health insurance and travel insurance. 

2.1 Travel insurance for visitors to Canada

Travel insurance is designed to cover a range of unexpected events during your trip. This includes medical emergencies coverage along with other protections like trip delay/ interruption/ cancellation, lost luggage and more. If you’re visitors on a short term trip to Canada or even planning an extended stay, obtaining travel medical insurance Canada or comprehensive travel insurance is highly recommended. 

Comprehensive travel insurance covers a range of unexpected events during your trip

Travel insurance coverage typically extends for a specified duration, with the maximum period often set at 365 days. This ensures that you are adequately covered throughout your stay in Canada, providing both peace of mind and financial security.

2.2 International health insurance for visitors to Canada

While travel insurance covers various aspects like trip interruptions and lost baggage and may or may not include health coverage, international health insurance is specifically focused on providing healthcare-related benefits. For instance, plans such as the Student Health Advantage Platinum, designed for international students, prioritize health-related benefits over trip-related coverage. While it may not include trip interruption benefits, it provides extensive health-related coverage. Beyond medical coverage for emergency situations like travel insurance, it extends to areas like maternity care, access to student health centers, provisions for mental or nervous health concerns and more. 

International health insurance is covered for trips with duration from 1 month up to 12 months. Therefore, if you’re planning to stay in Canada for an extended period and require comprehensive healthcare coverage, International health insurance Canada is a suitable option. 

3. What is travel medical insurance Canada? 

Now, you understand the difference between health insurance & travel insurance. So, if you're visiting Canada on a short term trip and concerned about healthcare, travel medical insurance can help you. It is a type of travel insurance focused on medical coverage. Here are the reasons why it is often preferred over international health insurance:

Travel medical insurance Canada is often preferred over international health insurance

• Travel medical insurance Canada is more suitable for tourists, business travelers, or anyone visiting Canada for a short duration. 
• Travel medical insurance is generally more cost-effective for short-term trips due to the limited duration of coverage. 
• Travel medical insurance is designed for simplicity and ease of purchase. It's convenient for individuals planning relatively straightforward short-term trips and doesn't involve the complexities associated with long-term residency requirements.

In summary, if you are planning a short-term trip to Canada, travel medical insurance is generally more tailored to your needs. In the next section, let’s explore how to choose the best medical insurance for travel to Canada with Travelner Insurance. 

4. How to choose the best medical insurance for travel to Canada? 

Choosing the best medical insurance for travel to Canada involves careful consideration of various factors to ensure comprehensive coverage and peace of mind during your trip. Here's a step-by-step guide:

• Understand Your Needs: Assess your health needs, considering factors such as pre-existing conditions, the duration of your stay, and any specific activities you plan to engage in during your trip.
• Coverage Limits: Ensure that the insurance policy covers essential medical services, emergency medical expenses, hospital stays, and repatriation up to a reasonable limit.
• Duration of Stay: Choose a policy that matches the duration of your stay in Canada, providing continuous coverage for the entire trip.

Understand your need to get the right medical insurance for travel to Canada

• Pre-existing Conditions: Check if the policy covers pre-existing medical conditions or if there are exclusions related to existing health issues.
• Types of Coverage: Confirm the coverage types offered, including emergency medical coverage, trip cancellation/interruption, baggage and personal belongings coverage, and any additional benefits.

By carefully considering these factors, you can select the best medical insurance for travel to Canada that provides comprehensive coverage and peace of mind during your trip.

5. Patriot Travel Series - Travel medical insurance Canada for visitors 

Each plan within the Patriot Travel Series provides various levels of coverage for individuals, families, and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country. This plan covers individuals from 14 days to 99 years with coverage extending from 5 days to 12 months. Here’re why you should choose the Patriot Travel Series: 

• High Maximum Limits: Up to $8,000,000
• Medical Expenses Coverage: Up to maximum limits 
• Comprehensive Medical Coverage: Covid-19 Medical Expenses, Emergency Medical Evacuation, Physician Visits/Services, Hospital Emergency Room, Hospitalization/Room & Board, Intensive Care, Dental Treatment, Emergency Eye Examination,... 
• Acute Onset of Pre-Existing Conditions: for insured persons under the age of 70
• Travel-related coverage: Identity theft, lost luggage, natural disaster, terrorism, personal liability, return Travel,.. 

In conclusion, travel medical insurance in Canada is essential. Visit Travelner Insurance to purchase it for your journey in Canada. If you have any questions, don't hesitate to contact us. Our dedicated consultants are available 24/7 to support you. Now, secure your travel insurance and embark on your Canada trip with confidence!