• Q 1. What if I have an emergency or claim?
    • Ans.   You must notify Customer Care Worldwide (toll free or worldwide collect) within 24 hours of admission to a hospital or before any medical consultation or surgery is performed. Customer Care number can be found on your policy or contact Visitorguard.ca Customer care for help
    • Q 2. How do I make a claim?
    • Ans.   To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to the insurer. Please take care in filling out the form, as any missing information may cause delay.
    • Q 3. What Should I Do in Case Of Emergency?
    • Ans.   In case of Emergency you have to notify your insurance company as soon as possible of any emergency medical treatment or hospitalization. Your insurer will provide you with assistance, suggest the best options on where to get help, as well as arrange direct billing where possible. Failure to do so could result in decreasing your insurance benefit. Every insurance company has a toll free emergency phone number to call from Canada and collect call numbers to call from anywhere else. The phone numbers are always included in the policy.
    • Q 4. Can i get refund if i return home before my policy expire?
    • Ans.   Yes you will be eligible for a partial refunds in case there were no claims made. Partial refunds are issued for the unused time on your policy period.
    • Q 5. What Dose Deductible Mean?
    • Ans.   Deductible is the amount of money that must be paid out of pocket before an insurer will pay any expenses. Deductible amount also affects the actual price of the insurance policy. The higher deductible you choose, the lower the actual price of the policy will be. However, it is not recommended to go over a $1,000 deductible since you may end up paying most of your medical
    • Q 6. Is there any kind of compulsion to get Insurance through CIA (i.e. Canadian Insurance Company)?
    • Ans.   Yes, this is true that you need to get the insurance from the CIA only as they are the ones who are going to cover all the aspects and supply you entire services relating to all medical facilities. It is also important as the process of claim as they can verify Canadian medical expenses faster.
    • Q 1. What is the maximum number of coverage days under this policy?
    • Ans.   Under this policy, the maximum number of coverage days is 365 days
    • Q 2. Why do I have to call the Assistance Centre prior to receiving any medical treatment?
    • Ans.   It is highly important that you to call our Assistance Center so that they can confirm, with the healthcare provider, your enrolment under the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the Assistance Center, you may have to pay 20% to 30% of the medical expenses normally covered under this policy. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Center has been notified.
    • Q 3. Does your policy provide for services offered in outpatient clinics and doctors’ offices or do I have to be hospitalized?
    • Ans.   A medical emergency is eligible for coverage if treated in an outpatient clinic or doctor’s office. You must contact your Travel insurance provider prior to receiving any treatment.
    • Q 4. Can I purchase travel insurance coverage once I’ve left my home province?
    • Ans.   Yes, however, it must be purchased prior to departing from Canada.
    • Q 5. What Should I Do in Case Of Emergency?
    • Ans.   In case of Emergency you have to notify your insurance company as soon as possible of any emergency medical treatment or hospitalization. Your insurer will provide you with assistance, suggest the best options on where to get help, as well as arrange direct billing where possible. Failure to do so could result in decreasing your insurance benefit. Every insurance company has a toll free emergency phone number to call from Canada and collect call numbers to call from anywhere else. The phone numbers are always included in the policy.
    • Q 6. Can i get refund if i return home before my policy expire?
    • Ans.   Yes you will be eligible for a partial refunds in case there were no claims made. Partial refunds are issued for the unused time on your policy period.
    • Q 1. When does my Policy Terminate?
    • Ans.   nsurance will terminate on the earliest of the following dates: 1. On the date the policy expires 2. If policyholder fails to pay required premium 3. On the date the Insured reaches 70 years of age 4. On the date student is eligible for a government medical plan 5. Date student departs from Canada upon completion of his assignments 6. 14 days after the insured person ceases studies in Canada
    • Q 2. What are the provincial guidelines for medical insurance in Ontario?
    • Ans.   In Ontario, international students are not covered by provincial health insurance. International students are required to participate in the Ontario's mandatory University Health Insurance Plan (UHIP). Coverage includes basic medical services; additional coverage can be purchased from private health insurance companies. For more info Contact our Customer Care at:1855-500-5041
    • Q 3. How does medical insurance work in Canada?
    • Ans.   Canada has one of the best universal public health care systems in the world. The universal health care system is administered by each province under its own provincial health care plan and covers visits to doctors, medical specialists, hospital stays and medical procedures. The provincial public health care plans do not cover everything they do not cover dental care, prescription eye glasses, and non-prescription drugs. These non-covered medical expenses can add up however you can purchase private insurance coverage from www.VisitorGuard.Ca
    • Q 4. Is medical insurance mandatory?
    • Ans.   All International students are required by law to have medical insurance while studying in Canada. It is the student's responsibility to have adequate medical insurance while in Canada. - See more at: https://www.stone-hedgefinancialgroup.ca/international-student-inbound-to-canada-FAQ#sthash.l8o6KMpR.dpuf
    • Q 5. What if I have an emergency or claim?
    • Ans.   You must notify Customer Care Worldwide (toll free or worldwide collect) within 24 hours of admission to a hospital or before any medical consultation or surgery is performed. Customer Care number can be found on your policy or contact Visitorguard.ca Customer care for help
    • Q 6. How do I make a claim?
    • Ans.   To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to the insurer. Please take care in filling out the form, as any missing information may cause delay.
    • Q 1. I am travelling with a grandchild. Are we covered under a family policy?
    • Ans.   Yes, grandchildren fall under our definition of a dependent but the dependent grandchild must be named on the confirmation and must be under of age 21, you must pay the premium for Family Coverage, and all travellers covered under a family policy.
    • Q 2. Can coverage be extended during my trip?
    • Ans.   If you have already purchase policy from us already and like to extend coverage by calling our Customer Care provided there has been no claim and no event has occurred that would give rise to a claim under the insurance. In addition, you must request the extension before your coverage expires and pay the appropriate premium. all the Extension of your coverage are subject to the approval from your insurance provider.