Visitor Emergency Health Insurance, I am confused by the coverage amounts

[HTS_QC]

Hi,

I am looking to buy a visitor emergency health insurance to cover my visitor stay while I receive PR via spousal sponsorship. I am confused and concerned by the very low amount of coverage they offer:

- For travel (holiday, round trip) insurance to Canada it is generally recommended $2mil in medical expenses cover, so I would have thought the same applies for emergency healthcare insurance, but I can only find up to $150k coverage. This is more than 10 times less and it makes me very concerned. I have read on this forum someone who had a $300k medical bill as a visitor. That scares me.

- Also, would the $150k include the cost of repatriation? No way that is going to be enough if they need to fly me from Canada to Europe while needing intensive care therapy. And if they don't repatriate me, the $150k would quickly run out in intensive care.

- A better solution seems to me to buy a backpacker/nomad travel insurance up to $2mil or more. Am I missing something here? It seems foolish to me to buy the visitor emergency healthcare insurance instead given the very low coverage amount.

Thoughts?

 

[canuck78]

Hi,

I am looking to buy a visitor emergency health insurance to cover my visitor stay while I receive PR via spousal sponsorship. I am confused and concerned by the very low amount of coverage they offer:

- For travel (holiday, round trip) insurance to Canada it is generally recommended $2mil in medical expenses cover, so I would have thought the same applies for emergency healthcare insurance, but I can only find up to $150k coverage. This is more than 10 times less and it makes me very concerned. I have read on this forum someone who had a $300k medical bill as a visitor. That scares me.

- Also, would the $150k include the cost of repatriation? No way that is going to be enough if they need to fly me from Canada to Europe while needing intensive care therapy. And if they don't repatriate me, the $150k would quickly run out in intensive care.

- A better solution seems to me to buy a backpacker/nomad travel insurance up to $2mil or more. Am I missing something here? It seems foolish to me to buy the visitor emergency healthcare insurance instead given the very low coverage amount.

Thoughts?

Backpacker insurance is a form of of emergency travel health insurance. Terms of each policy vary so you’ll need to research.

 

[scylla]

Hi,

I am looking to buy a visitor emergency health insurance to cover my visitor stay while I receive PR via spousal sponsorship. I am confused and concerned by the very low amount of coverage they offer:

- For travel (holiday, round trip) insurance to Canada it is generally recommended $2mil in medical expenses cover, so I would have thought the same applies for emergency healthcare insurance, but I can only find up to $150k coverage. This is more than 10 times less and it makes me very concerned. I have read on this forum someone who had a $300k medical bill as a visitor. That scares me.

- Also, would the $150k include the cost of repatriation? No way that is going to be enough if they need to fly me from Canada to Europe while needing intensive care therapy. And if they don't repatriate me, the $150k would quickly run out in intensive care.

- A better solution seems to me to buy a backpacker/nomad travel insurance up to $2mil or more. Am I missing something here? It seems foolish to me to buy the visitor emergency healthcare insurance instead given the very low coverage amount.

Thoughts?

Different companies offer different packages. You'll have to look at various policies to see which one meets your needs. Repatriation is not included by default. You'll need to read through the coverage details of the policies you're considering to see if repatriation is included.