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Visitor Guard.Ca
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Canadian Vs Indian Insurance
Visitor Travel insurance is very important to have in case of some unexpected situation like medical emergency or sickness. One question many have in their minds whether to buy the travel insurance from Canada or from India (or any other home country). It’s a difficult question for the visitor who is traveling for the first time. In this case, he is unaware of the situations that may arise during his travel to or stay-period in Canada.
Most of the Canadian insurance companies have all the details related to various insurance plans, online. That visitors can visit the website, and get comparisons between plans and make informed decision effectively without spending lot of time dealing with Indian agents and wait for response. Online purchases are not very prevalent in India. Therefore, buying insurance from Canada gives an option to read all the necessary details on internet, and also make the purchase in almost no-time. A live chat on the broker’s website also enables to discuss the plan and resolve the queries that may bother prospective visitor’s mind. This is mostly and generally not possible in India.
Here we have add some important benefits compression between Canada and India Travel insurance.
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What you need to know before Purchasing Super Visa Insurance for you Parents and Grand parents

Before making the purchase Super Visa or Visitor to Canada Insurance, there are two important questions especially when parents are the one taking the trip (or any elderly traveler)
We know lot of the elderly travelers have some or the other pre-existing conditions. Pre-existing condition is a medical condition that is diagnosed/unknown to the person and this medical condition occurred before the start date of the visitor insurance. Therefore, it is important to be covered by a plan that offers protection against pre-existing conduction 
Checklist for parents with pre-existing conditions:
 Purchase visitor insurance plan that covers pre-existing conditions. Understand the plan thoroughly (know what is included/excluded and to what extent).
 Before traveling to the Canada, make a folder and collect all doctor’s prescription for your condition and lab results and make extra note if required.
 Carry enough medicines with you from your home country. In Canada most of these medicines won’t be available over the counter 
 Equipment for measuring blood sugar level for diabetic patients should be brought with you and ample care should be taken to avoid any unwanted medical condition because of diabetes. It should be remembered that prevention is better than cure.
 The Blood pressure monitor also comes in handy for people with blood-pressure issues.  
 Always carry your insurance-ID card with you.

After the acute-onset of pre-existing condition(s):
Firstly, it is the insured’s responsibility to keep his or her pre-existing condition under control. Still, sometimes unforeseen medical conditions arise. Here is a recommended checklist, containing certain things that must be remembered after the acute onset of pre-existing conditions:
 It is always important to understand beforehand what benefit your insurance plan offers and dose its cover pre-existing conduction
 Under the Comprehensive Coverage plans, Cover pre-existing conduction as long its stable for minimum 180 days before travel. 
 Ask for all itemized bills and receipts for the treatment as well as for the prescriptions or labs.
 Call VisitorGuard or Insurance Company directly to request claim form.
 Fill out the claim forms carefully and submit all the required documents including the bills and receipts.  Within 30 to 90 days after treatment, keep a copy with you.
 If a family member or friend files claims on behalf of the insured person, an authorization letter should be attached with the claim forms. With this letter, the insurance company will send the reimbursement check payable to that family member.
To make it worry free always compare the benefits between plans by using our website  Compare Chart or call our Customer care for Details at:1855-500-5041 or visit our website to see plan and benefits at: https://visitorguard.ca/travellers/super-visa-insurance/
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Why Business Travelers Need Travel insurance

Visitor Travel insurance is important for business trip and personal trip. For business visitors, the insurance provides medical and trip protection. Coverage varies depending on whether a Canadian citizen or resident is flying out of Canada or if a foreign visitor is traveling to Canada for business. By purchasing visitor insurance, a business executive can focus on work and protect himself from unforeseen medical circumstances. In case of an undesirable event, it saves companies and executives from paying huge amount of money in healthcare.
General benefits of Travel Insurance
1. Coverage for new sickness or injury or illness.
2. Emergency evacuation coverage on basis of medical grounds.
3. Trip related coverage including trip cancellation, trip interruption, baggage theft or loss of baggage/personal effects.
1. Medical Expenses: Unwanted medical events can occur to anyone and anytime. Business executives often travel to different countries, exposing themselves to change in weather, environment, familiar food, water and altitude. This could cause sickness. Accidents and injury is also a possibility. Therefore, visitor insurance plans offering medical benefits is must. The coverage generally includes hospital expenses, intensive care, outpatient services, physician services, ambulance services, prescription drugs and emergency treatment for the relief of pain to sound natural teeth.
2. Diagnostic services– tests that are required as a result of an emergency and requested by your physician due to an emergency and to diagnose or learn more about your medical condition. Prior approval is required by the Assistance Centre for all major diagnostic testing, including but not limited to magnetic resonance imaging (MRI), computer axial tomography (CAT) scans, sonograms, ultrasounds and biopsies
3. Ambulance– up to $5,000 per unrelated illness or injury For a licensed ground or air ambulance to the nearest hospital or medical facility, or between medical facilities, if necessary. 6. Prescription drugs– up to a thirty (30) day supply of drugs that are prescribed for you and are available only by prescription from a physician or dentist and dispensed by a licensed pharmacist.
4. Paramedical services – up to $500 per profession for care received from a licensed chiropodist, podiatrist, physiotherapist, chiropractor, or osteopath.
5.Accidental dental injury: up to $2,500 for emergency Dental treatment to repair or replace your natural or permanently attached artificial teeth (including caps and crowns) where treatment is required as a result of an accidental blow to the mouth and within thirty (30) days of the accident. Treatment must be completed within the twelve (12) consecutive months following the accident and prior to your return to your home country. An accident report from the dentist is required by the Assistance
6. Medical Evacuation. Up to a maximum of $100,000 for reasonable and customary charges to transport you home during your period of coverage and as a result of a covered emergency
7. Repatriation of mortal remains – up to $10,000 for the actual expense to have your body prepared for burial or cremated plus up to $3,000 for your burial where you die, or the cost to return your body or ashes home if you should die as a result of an emergency covered under this policy during your period of coverage or within 365 days after an accidental bodily injury that occurred while covered under this insurance.
8. Accidental Death & Dismemberment: Reimbursement in event of death or loss of limbs and eyesight if they occur within 90 days or 181 days of the accident.
Non-Canadian Citizen Visiting Canada
The general benefits listed above remain the same for a non- Canadian citizen Visiting Canada for business or to meet family members. However, some benefits limits may change or not available to them.
Visitor Insurance protects families and businesses from financial risk when they travel out of country. By paying small premium they can focus on their work and provide a stress-free trip. To learn more about plans and benefits please contact VisitorGuard Customer service Today At 1855-500-5041 or visit our website :-www.visitorguard.ca

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Who is eligible for the new parent and grandparent super visa?
 
 Parents and grandparents of those who are either Canadian citizens or permanent residents who have been found permissible to Canada and meet some other conditions are eligible for the Super Visa as stated by Canadian Government. Visa officers consider several factors before deciding if the person is permissible. This means they are a genuine visitor to Canada who will leave by choice at the end of their visit. Among the things that could be considered are: The individuals strong bonds to his/her home country The purpose of their visit, The individuals family and financial state of affairs Invitations from Canadian hosts.

For More Info Visit Our website :- www.visitorguard.ca
or Call US At :- 1855-500-5041
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https://visitorguard.ca/

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Is it compulsory to buy insurance from a Canadian Insurance company instead of from a company in their home country?

 Canadian medical suppliers (hospital, dentists, medical clinics, etc.) favor to work with Canadian insurance companies. There is direct billing between hospitals and the Canadian insurance companies. In the event that you have to pay for expenses and then file a claim, Canadian insurance companies will have a faster claim procedure as they can verify Canadian medical expenses faster than providers in overseas countries which allow you to get reimbursement faster.      FOR MORE INFO PLEASE VISIT : www.visitorguard.ca
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Who is eligible for the new parent and grandparent super visa?

Parents and grandparents of those who are either Canadian citizens or permanent residents who have been found permissible to Canada and meet some other conditions are eligible for the Super Visa as stated by Canadian Government. Visa officers consider several factors before deciding if the person is permissible. This means they are a genuine visitor to Canada who will leave by choice at the end of their visit. Among the things that could be considered are: The individuals strong bonds to his/her home country The purpose of their visit, The individuals family and financial state of affairs Invitations from Canadian hosts.

for more info please visit : www.visitorguard.ca/  or call us at 1855-500-5041
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When purchasing Travel insurance
 
Choose an insurance company with a good reputation for paying their claims. Ask your insurance broker or the insurance company directly 
Provide Medical information - to your broker /agent if traveler have any pre-medical condition. depending on your age, sometimes  insurance company required a detailed medical questionnaire. Answer honestly  Even things that seem trivial to you may be important to them. It’s a good idea to go over the questionnaire with your doctor to ensure that questions about your medical history and medications are correct.
To buy Travel insurance please contact us at :1855-500-5041 or visit our website www.visitorguard.ca

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Can I Buy Super Visa Insurance if I have a Pre-existing Condition?
You must inform your insurance company of any pre-existing condition, or your insurance may be void (cancelled).

You can get insurance, depending on the exact pre-existing condition, although you will probably pay more than if you did not have a pre-existing condition. Most insurance companies require that your condition is stable for a certain period of time (from 3 months to three years). In addition, some policies allow pre-existing conditions like diabetes or high blood pressure, while others do not.

If you develop a medical condition in between the time you buy your policy, and the time you leave on your trip, you must tell your insurance company. A condition that develops in this period of time may be considered a pre-existing condition.

for more infomation please call us at 1855-500-5041  or visit our website https://www.VisitorGuard.ca

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VisitorGuard.Ca wishing everyone a very Happy Thanksgiving
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