Visitor - Medical insurance coverage

[roshansimon]

Hi
I'm just wondering if anyone has used the medical insurance with Manulife for the visitors? What it covers?

1. Does it cover medication costs?
2. Should we submit claims or are the claims directly processed from the pharmacy?
3. Anything to watch out for?

 

[canuck78]

Hi
I'm just wondering if anyone has used the medical insurance with Manulife for the visitors? What it covers?

1. Does it cover medication costs?
2. Should we submit claims or are the claims directly processed from the pharmacy?
3. Anything to watch out for?

Insurance for visitors is emergency coverage although some pre-existing conditions are not covered if you end up needing emergency treatment. Any routine care and medications are out of pocket If your parents need routine medication they will need to pay to see a doctor to get the prescription and pay for the medication. I would suggest you read the policy in general and research medication costs in Canada. Your parents can arrive with a 3 month supply of medication. Nobody can mail them medication fron their home country.

 

[scylla]

Hi
I'm just wondering if anyone has used the medical insurance with Manulife for the visitors? What it covers?

1. Does it cover medication costs?
2. Should we submit claims or are the claims directly processed from the pharmacy?
3. Anything to watch out for?

You'll need to look at the details of the policy you are thinking of purchasing.

Generally speaking, prescriptions will not be covered for any pre-existing conditions.

Generally speaking, prescriptions will be partially covered for new conditions (e.g. person sprains arm while in Canada and needs prescription pain killer medication).

 

[roshansimon]

So these insurance companies are just cash cows...
Thanks for the update..

 

[PMM]

Hi

So these insurance companies are just cash cows...
Thanks for the update..

1. Except if you end up in hospital, you could go bankrupt really quickly.
2. Non resident costs at Vancouver General, Emergency visit $805.00, Daily Ward $3,760, ICU $14,535 plus cost of treatments.

 

[roshansimon]

Thanks. That makes sense. So is there any additional insurance plan that covers refill prescription medication? What happens when one gets the visa extended?

Hi



1. Except if you end up in hospital, you could go bankrupt really quickly.
2. Non resident costs at Vancouver General, Emergency visit $805.00, Daily Ward $3,760, ICU $14,535 plus cost of treatments.

 

[canuck78]

So these insurance companies are just cash cows...
Thanks for the update..

Travel insurance almost always only covers emergency situations unless it is incredibly expensive. There are policies that will cover routine care but they are significantly more expensive.

 

[canuck78]

Thanks. That makes sense. So is there any additional insurance plan that covers refill prescription medication? What happens when one gets the visa extended?

You are likely better off paying out of pocket. Insurance companies are not going to plan to lose money so expect that your insurance costs will be over what your current expenses. Extended travel to Canada is not without expense. Your parent can return home after 90 days and can renew their prescriptions at home.

 

[roshansimon]

Sounds good..