5 Most Common Insurance Problems In Canada

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Understanding the requirements of travel and visitors to Canada insurance can get pretty confusing. Keeping this in mind, we have made a guide for you that will address the most common insurance problems in Canada.

Coverage gap

If, after a long absence, you relocate or return to Canada – there will usually be a delay until the provincial insurance is available. To get yourself covered, it is recommended that you choose an insurance policy that suits you the best before the official provincial policy starts.

Moving within Canada

Usually, provinces have policies in effect to provide you with transitional benefits before the new province’s policy steps in. However, there are a few concerns. To begin with, it is not direct billing, which means you would most likely have to spend out of pocket first before being compensated. In order to collect the money, it normally takes several months, in addition to all the paperwork associated with the filing of a demand.

Furthermore, the former province would most certainly only pay a fraction of the cost of the treatment. They agree to cover the bare minimum in compliance with their own provincial requirements, according to rules and guidelines. Your current province’s requirements would be different, and you could be paying considerably higher, causing you to pay the cost.

Travelling abroad

Are you considering leaving Canada for quite a while? Check the provincial policy to see how you can expand your coverage for the remainder of your absence, whether it’s long-term travel or to study abroad. Be sure to remember that travel insurance is typically an add-on to the provincial policy, and without it, your travel policy will be invalid. If your provincial insurance policy has expired, check at overseas insurance choices that do not require you to have provincial insurance.

If you plan on travelling outside of Canada for an extended period of time, you should consider checking Overseas Travel Medical Policy. Since it isn’t backed by the provincial contract, it can cost a little more, but the service is very broad.

Policy wordings

Before you buy a policy, make sure you read the wordings of that policy thoroughly. Many insurance policies have common clauses, so if you have exceptional conditions, it’s a smart idea to look into it further. Let’s say you have a medical condition; certain insurers can refuse to cover you because of it. Your medical condition can make you ineligible to purchase a plan at all! So, if you’re applying for a plan, make sure you know the stability standards, which are provided usually 4 to 6 months prior to your arrival.

The insurance company needs all the details

If you have to claim, please contact the claim centre as fast as possible. The insurance firm would want to know what’s happening, so it is your responsibility all to contact them to let them know about the case. You can delay contacting the Insurance Department until the incident ends if the covered individual needs emergency medical attention. In all other cases, you must call them and immediately claim to ensure claims are processed correctly and that the entitled medical costs are reimbursed in full. If the insurance agent is not notified in a timely way, your claim may only be repaid partly if it is possible.

This is all from our side. You can visit our website for more information. We have partnered with the top insurance companies all over Canada to provide you with the insurance policies that suit you the best. Apart from the policies for the residents, we all entertain our clients with Super Visa health insurance and many other forms of insurance.

 

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