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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
•AT OGILVY, WE CAN EXPLAIN THE DIFFERENCE
BETWEEN BEING RESPONSIBLE FOR ALL EXPENSES
INCURRED FOLLOWING A MEDICAL EMERGENCY
AND SHARING THE RESPONSIBLITY WITH AN
The reality of medical
•A VISIT WITH A DOCTOR – MINIMUM $100 PER CONSULTATION
•A VISIT AT THE EMERGENCY DEPARTMENT – BETWEEN $500 AND $1
000 OR MORE
•Car accident, etc.
•HOSPITALIZATION – BETWEEN $1 000 AND $2 000 PER DAY
The reality of medical expense
•– BETWEEN $4 000 AND $5 000 PER DAY
•SEVERE BURNS, ETC.
– $1 000 OR MORE
•CAESAREAN , ETC.
FOR A VERY AFFORDABLE PREMIUM, THE
MAJORITY OF SUCH COSTS CAN BE COVERED BY
A VISITORS TO CANADA INSURANCE POLICY .
Insurance cost examples
• Visitor - 30 years old
• 90 days, $50 000
• Without any pre-existing
• Cost: $240
• College Student - 20 years
• 365 days, $1 M
• Cost: Starting at $470
• Visitor - 60 years old
• 90 days, $100 000
• Pre-exisiting condition –
stable for the last 4 months
• Cost: $470
• Student – with wife and 2
• 365 days, $1 M
• Cost: Starting from $1 400
Who needs insurance?
VISITORS TO CANADA
New visitors / immigrants waiting for the RAMQ
(usually for 3 months)
Certain exceptions can apply
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
• 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.
Who needs insurance? (continued)
•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.
• 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
Who needs insurance?
•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.
• 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
• The person who does the application
must prove that he / she has the revenue
to support his / her parents or
grandparents while in Canada.
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.
Insurance covers emergencies
Certain companies will also cover pre-existing conditions if there is stability for 4 or
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.
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
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
Breathing issues, etc…
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)
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
and we look forward to helping
with your insurance needs.
1.877.464.4589 (toll free)
Monday to Friday: 8:30am to 4:30pm
Travel and Health Insurance
Representative in Accident
and Health Insurance