Travel Insurance is a subject that can generate a series of doubts. As such, we’ve identified a number of frequently asked questions to help you:
Yes! Canadian insurance companies offer family plans, so spouses and dependents are able to use the same coverage as a student.
There is no list of accredited clinics. Whenever medical care is required, ALWAYS call the insurance company FIRST. You will then be authorized and directed to medical care.
This depends on a series of factors, for example: the type and location of assistance necessary, and your choices, too. In some cases, you may have to pay the bill and request a reimbursement right after, while in other cases, the insurance company will be billed directly by the hospital or clinic.
Yes, as long as the medication is prescribed by a physician during the emergency care.
Yes. There is no limit to use, only a limit to the coverage in the selected plan.
No. The Travel Insurance plans don’t cover routine appointments, only emergency appointments. Emergencies include health problems that may not necessarily be considered serious, like a sore throat, fever, stomachache, which require a medical diagnosis. However, there are exceptions, so always consult us first.
Only in the event of emergency dental care. We are unaware of any dental care plans available to non-residents in Canada or to people not eligible for the government public health system.
Yes, this may be requested. However, the request must be approved by the insurance company.
The reimbursement is calculated as from the day the cancellation request is made, and administrative fees may apply. Each case will be studied by the insurance company.
Yes! There are special plans for people with pre-existing conditions.
No, because you are already pregnant. There are coverage conditions for maternity as long as your plan offers this benefit and that you are not pregnant at the time of contracting the plan and at the start of the plan’s validity.
Yes! The Canadian government requires the purchase of Canadian insurance with a minimum coverage of $100,000 dollars that must be valid for 365 days. Of course, Energia Insurance can help out with this issue!
None of these items should be considered as absolute responses to these questions. None of the responses should be interpreted as definitive – always check your contracted insurance policy!