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Travel & Health Insurance
Visitors to Canada Plans
* It is important to purchase insurance BEFORE
arriving in Canada to av...
For the
pleasure
of
playing in
the snow
Becoming Canadian
To discover
hockey
Becoming Canadian
Becoming Canadian
For the
beauty of
autumn
For our
legendary
kindness
Becoming Canadian
Becoming Canadian
For the
many
opportunitie
s available
to us
Becoming Canadian
7
For our
world-
renowned
colleges and
universities
Becoming Canadian
8 Maple syrup, a delicacy to discover
For our
fully stocked
supermarkets
Becoming Canadian
For Poutine
Poutine, the
favorite food of
Quebecers, not
Mr. Putin.
Why do visitors need insurance?
•CERTAIN COUNTRIES DON’T HAVE INSURANCE
AND IT IS THEREFORE COMPLICATED FOR NEW
VISITORS A...
The reality of medical
expenses
•A VISIT WITH A DOCTOR – MINIMUM $100 PER CONSULTATION
•A VISIT AT THE EMERGENCY DEPARTMEN...
The reality of medical expense
•INTENSIVE CARE
•– BETWEEN $4 000 AND $5 000 PER DAY
•CAR ACCIDENT
•HEART ATTACK
•SEVERE BU...
Insurance cost examples
14
1st example:
• Visitor - 30 years old
• 90 days, $50 000
• Without any pre-existing
conditions
...
Who needs insurance?
VISITORS TO CANADA
New visitors / immigrants waiting for the RAMQ
(usually for 3 months)
Certain exce...
Who needs insurance? (continued)
INTERNATIONAL STUDENTS
•STUDENTS ATTENDING HIGH SCHOOL, COLLEGE OR UNIVERSITY
•The majori...
Who needs insurance?
SUPERVISA
•Program created by the Federal government to
make it easier for the parents and grandparen...
General information
CERTAIN INSURANCE COMPANIES REFUSE TO COVER IF THE
PERSON ARRIVED IN CANADA MORE THAN 30 DAYS AGO.
AT ...
Maternity
The majority of plans do not cover
maternity, unless the plan is
purchased for a full year and that the
client i...
Ogilvy Insurance
THE OGILVY DIFFERENCE
Experience and knowledge
Personalized service in both French and English
Family bus...
21
Thank you
and we look forward to helping
with your insurance needs.
Contact us
22
1.877.464.4589 (toll free)
Monday to Friday: 8:30am to 4:30pm
EST
www.ogilvy.ca
facebook.com/OgilvyInsurance...
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Travel Insurance For Visitors To Canada - Why Do You Need Insurance?

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Transcript of "Travel Insurance For Visitors To Canada - Why Do You Need Insurance?"

  1. 1. Travel & Health Insurance Visitors to Canada Plans * It is important to purchase insurance BEFORE arriving in Canada to avoid any waiting periods.
  2. 2. For the pleasure of playing in the snow Becoming Canadian
  3. 3. To discover hockey Becoming Canadian
  4. 4. Becoming Canadian For the beauty of autumn
  5. 5. For our legendary kindness Becoming Canadian
  6. 6. Becoming Canadian For the many opportunitie s available to us
  7. 7. Becoming Canadian 7 For our world- renowned colleges and universities
  8. 8. Becoming Canadian 8 Maple syrup, a delicacy to discover
  9. 9. For our fully stocked supermarkets Becoming Canadian
  10. 10. For Poutine Poutine, the favorite food of Quebecers, not Mr. Putin.
  11. 11. Why do visitors need insurance? •CERTAIN COUNTRIES DON’T HAVE INSURANCE AND IT IS THEREFORE COMPLICATED FOR NEW VISITORS AND/OR IMMIGRANTS TO UNDERSTAND WHY THEY NEED IT. •INSURANCE COVERS A RISK. THEREFORE, IT IS IMPORTANT TO BE INSURED BEFORE HAVING A MEDICAL EMERGENCY. •AT OGILVY, WE CAN EXPLAIN THE DIFFERENCE BETWEEN BEING RESPONSIBLE FOR ALL EXPENSES INCURRED FOLLOWING A MEDICAL EMERGENCY AND SHARING THE RESPONSIBLITY WITH AN INSURANCE COMPANY. 11
  12. 12. The reality of medical expenses •A VISIT WITH A DOCTOR – MINIMUM $100 PER CONSULTATION •A VISIT AT THE EMERGENCY DEPARTMENT – BETWEEN $500 AND $1 000 OR MORE •Feverish child •Ear infection •Broken leg •Car accident, etc. •HOSPITALIZATION – BETWEEN $1 000 AND $2 000 PER DAY •Appendicitis •Heart attack •Concussion, etc. 12
  13. 13. The reality of medical expense •INTENSIVE CARE •– BETWEEN $4 000 AND $5 000 PER DAY •CAR ACCIDENT •HEART ATTACK •SEVERE BURNS, ETC. •SURGERY – $1 000 OR MORE •TONSILLITIS •CAESAREAN , ETC. FOR A VERY AFFORDABLE PREMIUM, THE MAJORITY OF SUCH COSTS CAN BE COVERED BY A VISITORS TO CANADA INSURANCE POLICY . 13
  14. 14. Insurance cost examples 14 1st example: • Visitor - 30 years old • 90 days, $50 000 • Without any pre-existing conditions • Cost: $240 2nd example: • College Student - 20 years old • 365 days, $1 M • Cost: Starting at $470 3rd example: • Visitor - 60 years old • 90 days, $100 000 • Pre-exisiting condition – stable for the last 4 months • Cost: $470 4th example: • Student – with wife and 2 children • 365 days, $1 M • Cost: Starting from $1 400
  15. 15. Who needs insurance? VISITORS TO CANADA New visitors / immigrants waiting for the RAMQ (usually for 3 months) Certain exceptions can apply Coverage Canada-wide Immigrants with a work visa • Certain countries have an agreement with the province of Quebec (Belgium, Denmark, Finland, France, Greece, Luxembourg, Norway, Portugal and Sweden) • Certain organizations, such as UPA, have agreements with the province of Quebec • Quebecers who return after an absence of longer than 12 months * It is important to purchase insurance BEFORE arriving in Canada to avoid any waiting periods.
  16. 16. Who needs insurance? (continued) INTERNATIONAL STUDENTS •STUDENTS ATTENDING HIGH SCHOOL, COLLEGE OR UNIVERSITY •The majority of universities offer a mandatory program for students. •The students interested in an international student plan are the ones who come here with their families. 16 • The plans offered by the universities are very expensive – an average of $4 000 and more. The plans are also very limited in their coverages. • Maternity is not covered • Certain plans do not permit any travel outside of the province. IMPORTANT: Application for a Quebec Acceptance Certificate (CAQ) for studies In order to keep it, there must not be any interruption of coverage!
  17. 17. Who needs insurance? SUPERVISA •Program created by the Federal government to make it easier for the parents and grandparents of Canadian Citizens and permanent residents to visit them in Canada. 17 • The insurance must be purchased from a Canadian broker prior to their arrival. • Renewable for a maximum of 10 years. • Minimum coverage $100 000 • Medical visit mandatory in their country of origin. • The person who does the application must prove that he / she has the revenue to support his / her parents or grandparents while in Canada.
  18. 18. General information CERTAIN INSURANCE COMPANIES REFUSE TO COVER IF THE PERSON ARRIVED IN CANADA MORE THAN 30 DAYS AGO. AT OGILVY, THE MINIMUM COVERAGE IS $50 000 VISIT TO THE UNITED-STATES REQUIRES A COVERAGE OF MORE THAN $50 000. INSURANCE MUST BE FOR THE ENTIRE DURATION OF THEIR STAY. MUST PASS AT LEAST 51% OF THE TIME IN CANADA. 18 Insurance covers emergencies Certain companies will also cover pre-existing conditions if there is stability for 4 or 6 months. Repatriation of remains in the event of death. For the majority of companies, the contract concludes once they have returned to their country of origin. The coverage does not apply in the country of origin.
  19. 19. Maternity The majority of plans do not cover maternity, unless the plan is purchased for a full year and that the client is not pregnant at the time of the purchase. Student plans that we offer make an exception to this rule. The newborn can not be insured prior to 15 or 31 days of age, as per the insurance companies. Jaundice, Prematurity, Heart problems, Breathing issues, etc… 19
  20. 20. Ogilvy Insurance THE OGILVY DIFFERENCE Experience and knowledge Personalized service in both French and English Family business since 1924 – 3rd generation Being served by licence brokers – Quebec and Ontario Recognized by the « Autorité des marchés financiers » (AMF) Member of the « Regroupement des cabinets de courtage du Québec » (RCCAQ) Central location in Montreal – easily accessible by public transportation (Metro Atwater) Green company We offer face-to-face services to walk-ins and by appointment Website, social media sites, etc. Independent and private brokerage Car, Home, Marine, Commercial, Group Benefits, Life and financial services … in addition to Travel and Health 20
  21. 21. 21 Thank you and we look forward to helping with your insurance needs.
  22. 22. Contact us 22 1.877.464.4589 (toll free) Monday to Friday: 8:30am to 4:30pm EST www.ogilvy.ca facebook.com/OgilvyInsurance @OgilvyInsurance Suzanne Langlois Manager Travel and Health Insurance 514.787.8769 slanglois@ogilvy.ca Shannon Gass Representative in Accident and Health Insurance 514.787.8756 sgass@ogilvy.ca
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