IA Hospital Medical Care Visitors Insurance Review

IA Hospital Medical Care Visitors Insurance

Underwritten by Industrial Alliance and administered by TIS Insurance Specialists, this policy is less well known, but aggressively priced for the visitors to Canada market.

Advantages

  • Priced competitively for policies with or without pre-existing conditions coverage.
  • Trip break permitted for those travellers that may need to return home quickly without cancelling and repurchasing policies.
  • Deductible applies per trip, not per claim.
  • Offers companion and returning customer discounts.

Disadvantages

  • Limited secondary benefits.
  • 5-day waiting period on illness and injury benefits if purchased after arrival in Canada.
  • No coverage for travel outside Canada.
  • Stability period for pre-existing conditions is 365 days.
  • Higher admin fee for cancellations.