Emergency Medical Insurance Visitors to Canada
When visitors come to Canada, any medical services they require while here may or may not be covered by insurance from their home country. For this reason, visitors typically purchase health insurance which covers them during their stay in Canada.
While the health-care system in Canada ensures that virtually everyone living here has access to medical services in any part of the country, it doesn't cover everything. That's where private, or extended, health insurance comes in: it is meant to pick up where your government plan ends. Private health insurance is not the same as emergency health – or travel medical – insurance that you may consider purchasing when you travel outside Canada. Rather, it covers the day-to-day surgeries and treatments that can add up to big bills.
Medical Insurance for Foreign Workers and New Immigrants provides coverage for $100,000; $500,000 and $1,000,000.
- Hospital accommodation (ward accommodation).
- Physician and surgeon services.
- Diagnostic Services: Laboratory tests and X-ray prescribed by the attending physician due to an emergency. ( MRI, CAT scans, sonograms, ultrasounds or biopsies have to be pre-approved by Global Excel)
- Ambulance services - ground transportation.
- Medical appliances - rental of crutches, casts, splints, canes, slings, trusses, braces, walkers and wheelchairs.
- Professional services - up to $220 per year for chiropractic expenses, including radiological examinations. Up to $155 for osteopath; Up to $135 for chiropodist or podiatrist; Up to $500 per policy year for professional services of physiotherapist prescribed by physician or surgeon.
- Routine health examination - one exam per policy year up to $250 .
- Maternity: up to $10,000 for pregnancy and childbirth. The pregnancy must start after the effective date of the insurance and the coverage have to include the entire term of the pregnancy. Expenses of well baby care for a period of 6 months after the birth of a child is also included.
- Eye Examination - up to $100 for an eye examination by an optometrist or an ophthalmologist.
- Psychologist: up to $500 per policy year.
- Accidental dental of up to $2,500 in case of accident.
- Emergency air transportation when arranged with Global Excel.
- Emergency Out of Province: up to 30 days per trip.
- Return Home Benefit: up to $5,000 for transportation back to province of residence.
- Return of remains - Up to $5,000 for preparation and transportation to the country of origin or for cremation and/or burial at the place of death.