Updated May 3, 2018
Choosing the best insurance product for your needs can be a challenge! However, knowing why Visitors to Canada Emergency Medical Insurance (VTC) is useful, trusting your licensed broker to provide expertise, examining the policy wordings and learning about competitive options will all help you navigate your decision. Read on for our tips on how to find the Visitors to Canada Emergency Medical Insurance Plan that is right for you!
1. Don’t believe the misconception that Canadian healthcare is free for everyone.
Many visitors to Canada believe that they will receive medical treatment free of charge, if they require medical assistance. This is a common misconception. While Canada’s public health care system is renowned for its ‘access for all’ mantra, these ‘free’ benefits are only available to eligible residents of a Canadian province or territory. They are not available to non-residents of Canada. This is why Visitors to Canada Emergency Medical Insurance is a beneficial purchase!
2. Trust your broker to know about the benefits of each product they offer.
It can be a lot of work to keep up-to-date with many different insurance plans, however doing so is part of your licensed insurance broker’s job. Travelance offers our partnered brokers regular online and in-person training courses to help keep them informed on our comprehensive insurance options. When you ask your broker for recommendations, chances are they will have several choices prepared for you.
3. Pay attention to the policy wording and confirmation of coverage – any other marketing materials are extra tools and do not make up part of the insurance contract.
Many marketing materials will be available to you through your licensed insurance broker. There may be comparison charts, brochures, videos, and more, in addition to the policy wording that describes your policy in depth. Make sure you read your policy wording and review your confirmation of coverage – it is these two pieces that form the insurance contract. Your broker may use other tools to help you compare products or understand policies, however those are extras.
4. Don’t believe that there are not enough options available, or that they are all overpriced!
A skilled insurance broker stays on top of the travel insurance market and knows where to find the best products, at the best prices. They can also break down the benefits a plan offers and explain how these benefits may help offset expensive emergency scenarios.
Discuss your budget and your medical concerns honestly with your broker – they are there to help and will be able to show you a variety of plans. Don’t trust the misconception that all Visitors to Canada Emergency Medical Insurance Plans are pricey or only offer certain benefits. Get advice from a licensed insurance broker today.
If you need to purchase Visitors to Canada Emergency Medical Insurance, Travelance can assist you. Contact us and we’ll put you in touch with a licensed insurance broker to help you make the insurance decision that’s right for you!