travel insurance for visitors to canada - why do you need insurance?

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Travel & Health Insurance Visitors to Canada Plans * It is important to purchase insurance BEFORE arriving in Canada to avoid any waiting periods.

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Page 1: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

Travel & Health Insurance

Visitors to Canada Plans

* It is important to purchase insurance BEFORE arriving in Canada to avoid any waiting periods.

Page 2: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

For the pleasure

of playing in the snow

Becoming Canadian

Page 3: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

To discover hockey

Becoming Canadian

Page 4: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

Becoming Canadian

For the beauty of autumn

Page 5: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

For our legendary kindness

Becoming Canadian

Page 6: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

Becoming Canadian

For the many

opportunities available

to us

Page 7: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

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Becoming Canadian

For our world-

renowned colleges and universities

Page 8: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

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Becoming Canadian

Maple syrup, a delicacy to discover

Page 9: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

For our fully stocked supermarket

s

Becoming Canadian

Page 10: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

For Poutine

Poutine, the favorite food of Quebecers, not

Mr. Putin.

Page 11: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

Why do visitors need insurance?

•CERTAIN COUNTRIES DON’T HAVE INSURANCE AND IT IS THEREFORE COMPLICATED FOR NEW VISITORS AND/OR IMMIGRANTS TO UNDERSTAND WHY THEY NEED IT.

•INSURANCE COVERS A RISK. THEREFORE, IT IS IMPORTANT TO BE INSURED BEFORE HAVING A MEDICAL EMERGENCY.

•AT OGILVY, WE CAN EXPLAIN THE DIFFERENCE BETWEEN BEING RESPONSIBLE FOR ALL EXPENSES INCURRED FOLLOWING A MEDICAL EMERGENCY AND SHARING THE RESPONSIBLITY WITH AN INSURANCE COMPANY.

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Page 12: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

The reality of medical expenses

•A VISIT WITH A DOCTOR – MINIMUM $100 PER CONSULTATION

•A VISIT AT THE EMERGENCY DEPARTMENT – BETWEEN $500 AND $1 000 OR MORE

•Feverish child

•Ear infection

•Broken leg

•Car accident, etc.

•HOSPITALIZATION – BETWEEN $1 000 AND $2 000 PER DAY

•Appendicitis

•Heart attack

•Concussion, etc.

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Page 13: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

The reality of medical expense

•INTENSIVE CARE

•– BETWEEN $4 000 AND $5 000 PER DAY

•CAR ACCIDENT

•HEART ATTACK

•SEVERE BURNS, ETC.

•SURGERY

– $1 000 OR MORE

•TONSILLITIS

•CAESAREAN , ETC.

FOR A VERY AFFORDABLE PREMIUM, THE MAJORITY OF SUCH COSTS CAN BE COVERED BY A VISITORS TO CANADA INSURANCE POLICY .

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Page 14: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

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Insurance cost examples

1st example:• Visitor - 30 years old

• 90 days, $50 000

• Without any pre-existing conditions

• Cost: $240

2nd example:• College Student - 20 years old

• 365 days, $1 M

• Cost: Starting at $470

3rd example:• Visitor - 60 years old• 90 days, $100 000• Pre-exisiting condition –

stable for the last 4 months• Cost: $470

4th example:• Student – with wife and 2

children• 365 days, $1 M• Cost: Starting from $1 400

Page 15: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

Who needs insurance?

VISITORS TO CANADA

New visitors / immigrants waiting for the RAMQ (usually for 3 months)

Certain exceptions can apply

Coverage Canada-wide

Immigrants with a work visa• Certain countries have an agreement with the province of Quebec

(Belgium, Denmark, Finland, France, Greece, Luxembourg, Norway, Portugal and Sweden)

• Certain organizations, such as UPA, have agreements with the province of Quebec

• Quebecers who return after an absence of longer than 12 months

* It is important to purchase insurance BEFORE arriving in Canada to avoid any waiting periods.

Page 16: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

Who needs insurance? (continued)

INTERNATIONAL STUDENTS

•STUDENTS ATTENDING HIGH SCHOOL, COLLEGE OR UNIVERSITY

•The majority of universities offer a mandatory program for students.

•The students interested in an international student plan are the ones who come here with their families.

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• The plans offered by the universities are very expensive – an average of $4 000 and more. The plans are also very limited in their coverages.• Maternity is not covered• Certain plans do not permit any travel outside of the

province.

IMPORTANT: Application for a Quebec Acceptance Certificate (CAQ) for studiesIn order to keep it, there must not be any interruption

of coverage!

Page 17: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

17Who needs insurance? SUPERVISA

•Program created by the Federal government to make it easier for the parents and grandparents of Canadian Citizens and permanent residents to visit

them in Canada.

• The insurance must be purchased from a Canadian broker prior to their arrival.

• Renewable for a maximum of 10 years.• Minimum coverage $100 000• Medical visit mandatory in their country

of origin.• The person who does the application

must prove that he / she has the revenue to support his / her parents or grandparents while in Canada.

Page 18: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

18General information

CERTAIN INSURANCE COMPANIES REFUSE TO COVER IF THE PERSON ARRIVED IN CANADA MORE THAN 30 DAYS AGO.

AT OGILVY, THE MINIMUM COVERAGE IS $50 000

VISIT TO THE UNITED-STATES REQUIRES A COVERAGE OF MORE THAN $50 000.

INSURANCE MUST BE FOR THE ENTIRE DURATION OF THEIR STAY.

MUST PASS AT LEAST 51% OF THE TIME IN CANADA.

Insurance covers emergenciesCertain companies will also cover pre-existing conditions if there is stability for 4 or 6 months.

Repatriation of remains in the event of death.For the majority of companies, the contract concludes once they have returned to their country of origin.The coverage does not apply in the country of origin.

Page 19: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

Maternity

The majority of plans do not cover maternity, unless the plan is purchased for a full year and that the client is not pregnant at the time of the purchase.

Student plans that we offer make an exception to this rule.

The newborn can not be insured prior to 15 or 31 days of age, as per the insurance companies.

Jaundice,

Prematurity,

Heart problems,

Breathing issues, etc… 19

Page 20: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

Ogilvy InsuranceTHE OGILVY DIFFERENCE

Experience and knowledge

Personalized service in both French and English

Family business since 1924 – 3rd generation

Being served by licence brokers – Quebec and Ontario

Recognized by the « Autorité des marchés financiers » (AMF)

Member of the « Regroupement des cabinets de courtage du Québec » (RCCAQ)

Central location in Montreal – easily accessible by public transportation (Metro Atwater)

Green company

We offer face-to-face services to walk-ins and by appointment

Website, social media sites, etc.

Independent and private brokerage

Car, Home, Marine, Commercial, Group Benefits, Life and financial services

… in addition to Travel and Health 20

Page 21: Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

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Thank youand we look forward to

helping with your insurance needs.

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Contact us

1.877.464.4589 (toll free)

Monday to Friday: 8:30am to 4:30pm EST

www.ogilvy.ca

facebook.com/OgilvyInsurance

@OgilvyInsurance

Suzanne Langlois

Manager

Travel and Health Insurance

514.787.8769

[email protected]  

Shannon GassRepresentative in Accident

and Health Insurance514.787.8756

[email protected]