When planning your trip to Canada, considering health insurance is essential. Health services in the country are expensive and a medical consultation could range from $100 to $1000, taking into account medications or tests that may be required in an emergency.
Although health insurance is not required for some types of travelers, it is highly recommended to have one for your and your family's peace of mind.
We would like to suggest 5 things to keep in mind when choosing your and your family's health insurance:
1. Verify what type of insurance you require according to your status: Depending on the type of traveler you are, health insurance requirements may be different.
- If you come as a permanent resident, depending on the province you are in, you will have to wait up to 3 months to use health services. Therefore, you must have private insurance for this period of time.
- If you are a student, you require a private health service for the entire time you are in the country.
- If you are a tourist, although it is not mandatory, you may have a private insurance policy for any eventuality that may arise.
- If you are a worker with a closed work permit, you must wait up to 3 months to use public health services. Therefore, you must have a private insurance policy for this time period.
2. Company experience: There is an extensive offer of health insurance companies in Canada. It is important that you research the experience, time in the market and user testimonials of these companies. Usually a company with more than 50 years in Canada can be considered as a good provider of insurance services.
Here are some of the best known and with a good customer record: Link to companies section
3. Coverage and time you require: Insurance policies vary in price according to the time and coverage you require. There are basic policies that include minimal emergencies such as a flu-like illness in the winter season, as well as policies that include pre-existing illnesses if the patient has been in good health for the last 90 days. There are also more complex policies that could include pregnancy or chronic illnesses such as diabetes or cancer.
It is important that you review in detail the services offered by each policy and under what conditions. The summary of each policy can indicate the values that the company can offer to cover different health situations.
At GrowthLife we have analyzed most of the policies that provide services in Canada. If you are at the stage of choosing your insurance policy, request a virtual appointment with our advisors right now. We will find a customized plan to suit your needs and your budget.
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