Frequently Asked Questions

IRCC needs proof of private medical insurance — the policy confirmation or certificate showing the insurer's name, coverage of at least $100,000, validity of at least one year from entry, and that it's paid in full or in instalments with a deposit. We email this the day you buy.

Emergency health care, hospitalization and repatriation as a minimum, plus usually doctor visits, diagnostics, prescriptions, ambulance and emergency dental. See Super Visa insurance.

It's the amount you pay on a claim before the insurer pays. A higher deductible lowers the premium. Some insurers apply it per claim, others once per policy — worth checking.

Yes, with insurers that offer instalments — IRCC accepts policies paid in instalments with a deposit. Expect a setup fee. See monthly payment plans.

It depends on age, coverage, deductible and pre-existing cover. See what affects the cost and get live prices from the quote tool.

Yes. They must keep valid insurance for their whole stay. Renew before the policy ends to avoid a gap and a new waiting period — see renewing and extending.

Usually yes. Before the policy starts, most insurers refund in full (sometimes less a small fee). After it starts, a partial refund for unused days is common if there's been no claim, less an admin fee. See the refund guide.

Send us the refusal letter. Most insurers refund the full premium if the refusal is sent before the policy's start date.

Any medical condition that existed before the policy's start date — whether diagnosed, treated, or showing symptoms. Coverage depends on whether it's been stable for the plan's required period, often 90, 180 or 365 days. See pre-existing conditions explained.

Usually yes — often 48 hours, and longer for some ages or plans — for illness. Accidents are usually covered right away. See buying after arrival.

Students usually need a student plan or their school plan. See international student insurance.

Call 911 if it's life-threatening. Otherwise, call the insurer's 24/7 assistance number on the policy before getting treatment if you can — many policies reduce payment if you don't. Then let us know. Full steps: what to do in a medical emergency.

Pankaj and his team. We help you collect receipts, medical reports and claim forms, submit them to the insurer, and follow up until the claim is settled. You're never left calling a call centre alone.

Simple claims with complete paperwork are often settled in a few weeks. Larger claims take longer while the insurer reviews medical records. Complete forms and original receipts speed things up.

Term covers a set period at a low cost — ideal for mortgage and child-raising years. Whole life covers you for life, builds cash value and costs more — ideal for estate planning and lifelong needs.

For a personally owned policy, it's generally received tax-free in Canada. Corporate-owned policies follow different rules.

Try the financial needs calculator for a quick estimate, then we can refine it together.