free quick quote

• How much does the insurance cost and can I get a free quotation?

  Free quotations are available from our Quick Quote.

• I got a free quotation from your Quick Quotes Page. How long does this cover me for?

  The quote is for a fixed period of 90 days, the required waiting period for most Provinces.

• I got a free quotation previously but when I went back later to buy the price had changed. What's going on?

  As the plan is available in a choice of currencies your cost may vary due to fluctuations in daily exchange rates. The card company calculates the rates in real time and any changes should be small unless a particular currency is in trouble.

• How do I buy the insurance?

  You can purchase online through our secure server with a credit or debit card by completing the online application form. If you'd prefer to mail or fax in your completed application you can do so by completing the online application and following the on screen instructions.

• What currencies can I purchase the plan in?

  The plan is available in both Canadian & US Dollars as well as British Pounds & Euros.

• If I buy online when will I receive my policy certificate?

  Your policy certificate will be available immediately for you to print on your printer. You'll also receive an e-mail containing the Policy Wording and a link to our database where you'll be able to retrieve your certificate at any time in the future. We do not send documentation via the postal system.

• I see the plan offers very comprehensive cover but I don't really need all of it. Can I exclude some of the benefits?

  The plan comes as a complete package, but you can have a 15% discount by excluding personal baggage cover. None of the other benefits can be excluded

• I am emigrating to Canada why do I need to purchase this insurance?

  As a new migrant to Canada you are entitled to join the health plan for the province you'll be living in. However, the majority of provinces that new migrants settle in require you to wait 90 days before you can obtain benefits from their plan, so you'll need to purchase CanadaSure to cover you for this 90 day waiting period.

• I am a returning Canadian citizen do I need to purchase this insurance?

  Yes, It's our understanding that if you have been outside of Canada for more than 6 months in the past 12 months you will need to purchase this insurance. However, you should contact the Canadian Consulate or High Commission in your departure country to obtain the latest information as the requirements may vary, depending upon the length of time you've spent overseas, and the province you are returning to.

• Which provinces have this 90 day waiting period?

  It's our understanding, as of May 2004, that provinces that you need this insurance for are Ontario, British Columbia, New Brunswick, Newfoundland & Labrador, Manitoba and Quebec. However, you should contact the Canadian Consulate or High Commission in your departure country to obtain the latest information and to determine if you need the insurance for your own particular circumstances as these can vary.

• Does CanadaSure cover pregnancy costs?

  CanadaSure does not cover routine pregnancy costs such as pre-and post-natal check ups and examinations, as these are not an illness but a known medical condition. The Underwriters shall not be liable for expenses attributable to pregnancy or any condition connected with pregnancy within 90 days of the estimated delivery. If you are pregnant we recommend that you travel to Canada in the early stages of your pregnancy so that you will be fully covered by your Provincial Health Plan when the baby is born. Alternatively, you may wish to delay your departure until after the baby is born, as a routine childbirth without complications will cost in the region of C$5000-C$7000.

• Does CanadaSure cover Winter Sports?

  Yes, skiing and snow boarding are covered if you pay an additional 15% on the basic premium. However, it does not cover high-risk activities as listed in the Exclusions Section of the Policy Wording.

• I'll be landing in Alberta a province that does not have the 90 day waiting period and travelling on to Ontario where I'll be living permanently. Do I need to purchase CanadaSure?

  Yes, as your final destination is a province that has a 90 day waiting period you'll need to purchase CanadaSure. You'll also need to purchase en route travel days, as your 90 day waiting period will start when you arrive in Ontario, not when you land in Alberta.

• Is there an upper age limit for purchasing CanadaSure?

  Yes, the upper age limit is 64 years but we do have alternative plans for persons aged up to 79 years. Please contact us with your age(s).

• Why should I purchase this insurance - my travel agent/airline wants me to purchase their insurance when I buy my airline tickets?

  Travel insurance sold by banks, travel agents, supermarkets, pharmacies and credit card companies and airlines is not usually valid for one-way trips and migration. If you purchase one of these plans the chances are you won't be able to make a claim, as they are only valid for round trips. As you have not completed the round-trip you have broken the terms and conditions of the insurance. So, you'll have to return to your country of origin to make a claim, which is not a practical proposition as you are taking up residence in a new country. You should also keep in mind that if you are critically ill "normal" travel insurance will repatriate you back to your country of departure for treatment. This again will not be a practical option, as your family will be remaining in Canada and you may have to pay for treatment in your departure country, as well as another airline ticket to return to Canada. With CanadaSure all treatment will be received in Canada and you won't be repatriated.

• I already have an annual travel insurance plan can't I use that for my trip to Canada?

  No, see answer to the previous question.

• I never get sick so why should I bother taking out a CanadaSure policy ?

  CanadaSure not only covers you for medical insurance it also covers you for Personal Accident, Cancellation & Curtailment of your trip, Personal Baggage, Delayed Baggage, Personal Money/Documents/Passport, Personal Liability, Travel Delay, Catastrophe, Hi-jacking & Legal Expenses. It may also cover your medical bills if you are involved in an accident.

• How much will it cost for treatment in Canada if I am not insured?

  If you are uninsured and get ill or have an accident you will have to pay cash for your treatment. Most hospitals in Canada charge a daily rate regardless of the treatment required. This can be as much as C$3,000 per day for an uninsured person.

• Does CanadaSure Cover Manual & Hazardous Occupations?

  Yes, but you'll need to pay an additional premium. Please go to the Occupations List for further details.

• What is en route travel?

  If your trip to Canada takes more than 24 hours then you will need to purchase en route travel days so that your 3 calendar month cover commences the day you arrive in Canada. For example, if you are departing from the United Kingdom and intend to spend 7 days in Hong Kong en route, then you need to purchase the appropriate number of travel days (7 + the number of days travelling) as an addition to your CanadaSure cover.

• We are planning on visiting another country for a vacation on our way to Canada is this covered by CanadaSure?

  Yes, you can visit any countries you wish en route to Canada up to a maximum of 60 days. There is an additional daily charge for this as detailed on the application.

• Can we visit the USA or Mexico during the 90 day period after we've arrived in Canada?

  Yes, cover extends to include a single temporary visit to the USA or Mexico providing that YOUR visit begins and finishes in Canada and does not exceed 30 days. There is no extra cost for this added benefit.

• If I purchase CanadaSure and later find out I no longer need it because I purchased it in error, or my new employer is offering me cover, can I cancel the plan and receive a refund?

  If the insurance does not meet with your requirements you may return the documentation within 14 days of purchase (the "cooling off period"), or prior to travel if this is sooner, and obtain a full refund. If you wish to cancel the policy within 14days of but you have made a claim, then the pro-rata refund can be made. If you cancel outside of the 14 days cooling off period no refund will be payable.

• I am going to Canada on vacation should I purchase this insurance?

  No, this insurance is solely for persons residing permanently in Canada.

• I am going to Canada on a business trip should I purchase this insurance?

  No, see above.

• I am going to live and work in Canada on a contract and will return to my home country when the contract expires should I purchase this insurance?

  As you are not a landed migrant this particular insurance plan may not be suitable for you. We recommend that you contact your employer or the Canadian authorities to ascertain if you can join the health plan of your provinces after the 90 day waiting period. If you are not eligible you'll need to purchase private health insurance. Please contact us giving details of your circumstances.

• I am currently living in the US. Why can't I purchase CanadaSure?

  Due to licensing restrictions it is not possible to buy CanadaSure with a USA address. We therefore recommend you purchase CanadaSure within 15 days of arrival in Canada. Please note after 15 days of arrival in Canada it is not possible to buy CanadaSure.