By Are you an immigrant in Canada or a first timer willing to choose Canada as your destination, be it for education, health, tourism, business or entertainment? Canada is known for enthusiastic experiences through exploration of stunning natural landscape and sceneries as well as distinctive Wildlife and intriguing facts about the cities in Canada; the Northern Wonderland.
If Canada is the end destination to your purpose, dreams and aspirations, then, it becomes a vital aspect of you to plan on which travel or medical insurance company and policy will best meet your aspirational demands. Whether you will have a long or short stay, choosing the best insurer will go a long way as medical insurance is mandatory especially in Canada.
Most travel or medical insurance for expatriates in Canadian policy includes services in emergency treatment, ambulance, hospitalization during illness and injuries. It is important to note that you are solely responsible for covering the cost of your own medical care in Canada. It is also crucial to while looking for the best travel insurance to compare policy quotations of individual insurers for the best policy and rate.
To be in a safer side, it is best to select an insurance policy with Canadian origin who can assist in fast-tracking your claims through their rapport with hospitals, clinics and dental offices in the country.
As a will-be immigrant in Canada or an immigrant here, consider these five best insurers in Canada for your best insurance policies and rates.
5 Best Canadian Insurance Companies for Travel and Health Insurance
1. MANULIFE
Manulife is one of Canada’s oldest and biggest insurance companies, and they have good insurance plans that fit people’s needs. Manulife has a comprehensive policy that is crafted to sort you out your travel insurance option especially if you want an insurance plan that covers all visitors bases or if one is not too specific or perhaps sure of what their needs are but want a general travel insurance coverage that comes with a little bit of everything inclusive. Apart from the comprehensive plan, you can also get travel medical insurance by itself or as part of a package with trip interruption protection. Manulife is the sole Canadian insurance company that lets visitors access to this opportunity and allow you to use your travel insurance for your super visa too.
2. ALLIANZ
For international students in Canada, Allianz insurance company could be the best to be considered. They have one of the best plans for international students in Canada. Their unique package just for international students has the highest coverage amount for students too — they’ll cover up to $5 million for medical emergencies. Note that their plans can be a bit high, but they’re a renowned insurance company and their plans are Worthwhile. Their “Visitors to Canada Plan, International Students to Canada Travel Insurance” also covers emergency medical and super visas.
3. TUGO
Tugu has insurance products ranging from Visitors to Canada Emergency Medical Insurance, Visitors to Canada Trip Cancellation & Trip Interruption Insurance, Visitors to Canada Trip Interruption Insurance. These products cover “Emergency medical + super visa + trip cancellation/interruption + trip interruption + optional sports & adventure activities, accidental death & dismemberment, and unstable pre-existing conditions”. Tugu is known to be the best travel insurance for pre-existing conditions. If you have an already healthy condition like cancer, heart condition , obesity, high blood pressure visiting Canada, etc , then it’s best to choose an insurance plan with Tugo.
4. GMS
GMS especially is many insurance experts top recommendation for people who are traveling to Canada on a super visa program. GMS factor requirements super visas and it has well-rounded coverage options. Their Immigrants & Visitors to Canada Insurance covers stable pre-existing conditions and has excellent coverage for people in their old age. It also has a fair range of deductible options and decent coverage amounts if you need something a bit more than the $100,000 limit. And their rates are affordable too!
5. 21ST CENTURY
Recently crowned as the best travel insurance for long stays, If you plan to stay in Canada for long periods of time, then it is a good option getting a visitors insurance plan with 21st Century. Below are other benefits when you choose 21st Century.
a. This company has rare feature that lets you extend your insurance plan for up to 2 years while keeping the exact same price. This makes it a great deal if you have long-term travel plans as a student or employee in Canada.
b. Their 2-year extension is perfect for people who apply for the 2-year extension for their super visa.
c. You get to pay for super visa insurance monthly.
d. 21st Century travel insurance is a good choice if you’re not traveling alone. It is among one of the few insurance providers who plans for families of the visitor, which means you can get lower prices if you’re going on a trip with your close family or other dependents including ew friends who want to visit Canada and save money while ensuring you’re protected.
Getting the right insurance provider to cushion in your stay in Canada is vital. Get time, do more research on them and get through with the right provider whose service, policies and charges meet your purpose, plans, and finances.
