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Visitor to Canada Plan

Precautions

Optimize traveling with visitor insurance

You have enough to think about when you’re traveling abroad. You shouldn't also have to worry about how you’ll pay for medical expenses if you’re not insured. Get simple, affordable coverage for unexpected medical emergencies as well as routine medical expenses— all with travel insurance for visitors.

*Check government of Canada Website :Travel Health Insurance: Why It's Essential

Eligibility

Who is eligible?

This insurance is for anyone who comes to Canada for any reason, such as tourist, no visa short-term visits, working holidays, super visa applications, working permit, missionary activities, etc.

Travelers

For who have no-visa or visitor visa to travel inside of Canada for a short term

Working holiday

For who have a working holiday visa without Canadian government health coverage

Foreign Workers

For who have a work permit in Canada without Canadian government health coverage

Super Visa

For who have a super visa in Canada

Travel Insurance Coverage Benefits

You can receive 100% coverage for unexpected medical expenses with travel insurance.

Will this be covered by travel insurance? There's no need to wonder. Whether it's a minor cold treated at a walk-in clinic or an emergency room visit due to an accident, all are covered by travel insurance. From X-rays and walk-in clinics to online doctors, emergency rooms, hospitalization, surgery, dental treatment, physiotherapy, and many other benefits are available. Illness? Accident? Almost everything can be resolved within the benefits of travel insurance. Does it seem complicated? Don't worry. Just contact us when needed, and we will take responsibility and guide you to receive proper insurance coverage.

$10,000 to $300,000

Dental & Health & Eyes

Professional Services

Prescription Drug

See detailed benefits by the most popular insurance plans :

Benefits	Insured Amount
Sum insured	Selectable from $10,000 to $300,000
Emergency medical treatment	Up to the sum insured
Follow-up visits	Follow-up visits as prescribed by the attending physician at the time of the emergency
Emergency Transportation	Up to the sum insured
Professional medical services	Up to $500 for any one incident per practitioner
Prescription drugs	Up to a 30-day supply to a maximum of $1,000
Dental Emergency	Up to $500 in 1 year
Dental Accident	Up to $4,000 in 1 year
Emergency Return Home for You and One Family Member	Up to $3,000
Out-of-pocket expenses	Up to a total of $1,500 (up to 10 days) inclusive of up to $150 per day
Transportation of Family or Friend	A maximum of $3,000. A maximum of $1,000 for the out of pocket expenses
Accidental Death & Dismemberment	Up to 100% or 50% of sum insured
Repatriation	Up to $10,000 in repatriation expenses and up to $4,000 in cremation/burial expenses

* The information above is a summary of benefits. Please check the policy wording after purchasing the plan.

Get help for unexpected expenses wherever you go

Canadian Travel Insurance

Never buy if 'this' is missing when you apply for travel insurance

Don't buy if you can't get proper help when you need insurance. It's just a waste of money. Stonewell considers it most important to help customers receive reasonable protection. Experience a service that's fundamentally different from places that just sell travel insurance.

Canadian Travel Insurance Claim Cases

This is how Stonewell travel insurance customers received their coverage

Those who have signed up with our claim service are receiving 100% coverage for the parts guaranteed by the policy. We've not seen a single 1% exception.

Dental Treatment

The wire attached for orthodontic correction came off, causing pain in the teeth and gums. I paid $300.00 for the treatment and reattachment. The entire amount was fully covered at 100%.
A crown that was previously placed due to a cavity fell out. It kept coming off. I went to the dentist and had it treated and refilled with tooth-colored filling. I was billed $614.98 and received coverage up to the dental treatment limit of $600.
I went to the dentist for an examination due to tooth pain. The cause was a cavity. After receiving treatment for the cavity, I paid $244.00. I was fully covered at 100%.
I visited the dentist due to pain in the molar area. The cause was a wisdom tooth. I paid $150.00 for extraction, and I was fully covered at 100%.
I was playing basketball with a friend at school and fell, hitting my face on the ground. As a result, two front teeth were slightly damaged. I received dental treatment, and a claim was made for $2,448.00. I was fully covered at 100% through dental coverage benefits due to the accident.

Therapies & Professional Service

My shoulder felt stiff, so I visited a physiotherapist. After receiving therapy, I paid $103.48 for one session. I was fully covered at 100%.
My shoulder and neck were hurting, so I visited a chiropractor. After receiving a massage, I paid $135.60 for one session. I was fully covered at 100%.
At the recommendation of a school teacher, I regularly met with a speech therapist. The reason was that my child's language development was delayed. We had a total of 6 sessions, with each costing $120.00. I paid a total of $720.00 and received coverage up to the limit of $600.00.
I visited a traditional Korean medicine clinic for acupuncture because my back was hurting. I paid $80.00 per visit, a total of $400.00 for 5 visits. I was fully covered at 100%.
While playing soccer, I fell and felt pain in my leg. I visited a chiropractor. For 3 sessions at $150.00 per session, I paid a total of $450.00. I was fully covered at 100%.

Walk in Clinic

Due to sudden abdominal pain, I saw a doctor at a nearby walk-in clinic. I was diagnosed with enteritis and given a prescription. I paid $100.00 for the doctor's consultation and $48.26 for the medication. I was fully covered at 100%.
I visited a clinic because my cold got worse. I was diagnosed with a common cold virus and received medication. I paid $80.00 for the doctor's consultation and $32.96 for the prescribed medicine. I was fully covered at 100%.
I visited a walk-in clinic because my eyes were severely bloodshot. The doctor diagnosed it as an allergy and prescribed eye drops. I paid a total of $154.78 for the consultation and eye drops, and was fully covered at 100%.

Emergency Room

I developed a sharp, unbearable pain in my shoulder. It was so painful that I had to visit the emergency room in a hurry. The doctor there told me I had a severe inflammation and needed surgery. Following the doctor's recommendation, I consulted with several specialists and underwent a thorough examination. The next day, I had a surgery that took about an hour and returned home without being admitted to the hospital. The total medical bill came to $32,980. The insurance company paid the medical expenses directly to the hospital.
I suddenly developed severe pain in my side while in class at school. I went straight to the emergency room where they told me it seemed like my appendix had burst and immediate surgery was necessary. After the surgery, a bill of $26,754 was issued, which the insurance company directly paid to the hospital.
During the school holidays, I took a trip to the United States. While on a road trip, our car was hit by a bus from behind. The car was so damaged it had to be scrapped, and the passenger in the car was seriously injured. Immediate treatment in the US was necessary. The total medical costs, including 8 days of hospitalization, surgery, medication, and emergency transportation fees, amounted to $256,700.00. Fortunately, the insurance company paid the medical costs directly to the hospital.

Advantages of Travel Insurance by Canadian Company

No More Regrets with Non-Canadian Insurance

In Canada, even a simple appendectomy can result in an easy claim of $30,000 CAD. Are you comfortable with the upfront payment of $30,000 CAD, even if you can get reimbursed later? Canadian insurance companies don't burden their customers with such expenses.

Designed for the Canadian Healthcare System

You don't need to worry about what's covered and what's not. Sudden medical expenses are covered 100% with no deductible.

Direct Billing to the hospital

No need to worry even if the hospital bill is in the couple thousands. The insurance company pays the medical costs directly to the hospital. Canadian insurance companies are well connected with most local hospitals. The true value of Canadian insurance shows when it's most desperately needed.

Unique insurance refund policy

100% refund if unsatisfied

Has the insurance company refused a claim that is assured in the policy? Please contact us. We will fight for you. If you are still unfairly denied a claim, we will refund 100% of the insurance premium. In our 26 years of operation in Canada, the number of refunds made under the 100% refund policy is less than 0.1%. We make sure that only proper insurance is taken and we take responsibility to ensure reasonable claims are received.

Canadian Travel Insurance

How Stonewell become the number 1

Prioritizing swift communication

Diseases and accidents do not take holidays. Accordingly, we operate email, phone, and chat consultations without any days off.

Top-tier benefits at the industry's lowest premiums

Due to our large number of clients, we have top-tier contracts with major insurance companies. We're qualified to offer the best coverage benefits at the lowest prices.

Professional After Services

The purchase of insurance may not differ significantly depending on where you buy it. It's like buying the same Lego set from Costco or a Lego store. You don't necessarily have to purchase through Stonewell. However, when you actually need to use the insurance, make sure you will receive adequate support. Unfortunately, many providers in the industry tend to be unresponsive after purchasing.

Travel Insurance, Real Customer Reviews

Travel Insurance, proven by real reviews.

C.J

North York, ON

I didn't go to the hospital often in my country, but after coming to Canada, due to the change in environment, I had to visit the hospital often. I am thankful for your kind assistance every time. I feel sorry for bothering you so much.. I highly recommend it. May your business prosper!

M.G

Saint Léonard, QC

I am a mom who settled in Quebec with two elementary school kids. It was really difficult when my kids got sick because I had nowhere to contact. The healthcare system seems to be quite different. I rely on Stonewell and am grateful for your great help. It's a place I want to keep secret.

N.P

Bedford, NS

I would like to say that this is not just a place selling insurance, but a strong companion for life in Canada. This is a place that truly cares for its customers. It seems like you don't do much marketing in other countries.. If you do, I think you will hit the jackpot. Highly recommended!

Canadian Travel Insurance FAQ

Frequently asked questions

Can I buy travel insurance if I have an existing medical condition?

Yes - Regardless of any existing conditions, we always advise members to still purchase coverage, as it will protect against all other accidents not related to that condition. Travel insurance policies are designed to provide protection against unexpected emergency medical expenses, trip cancellation or interruption. Depending on your age and the condition pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date. It is important you review and understand any clauses or definitions in your chosen policy. Each travel insurance policy will uniquely define a pre-existing condition and there are many variations in wording. For example, policies may not cover conditions arising prior to the trip departure date: that are unstable ,where symptoms of an illness appeared ,that have been diagnosed or treated ,where medications have been changed. Travel policies will also specify a time frame, based on your age that relates to the evaluation of your pre-existing conditions. This time frame could be as short as 3 months. Some policies may provide coverage for your pre-existing conditions if you complete a more detailed medical questionnaire.

What is Pre-existing Medical Condition?

A health problem like, asthma, diabetes, or cancer, which you had before the new health coverage start date. Insurance companies can refuse to cover treatment for your pre-existing condition or charge you more.

Will I be covered if I go to the hospital immediately after purchasing the insurance today?

Most of insurance has a waiting period of such as 48 hours to 7 days. Coverage is not covered for illness that develops before the insurance start date or occurs during this waiting period. However, there is no waiting period when purchasing before departure. The waiting period varies by insurance plan, so be sure to check the policy with your chosen insurance.

Who should I contact in Emergency?

It is extremely important to notify your insurance company of your emergency and admission to a hospital within 24 hours. Policy number may be required at the time of call – carry the wallet card all the time. Representative will help you open up a claim and give you instructions of how to manage the situation. Failure of doing this may result in the denial of your late claim.

How far in advance of my planned trip can I purchase a plan?

You can purchase up to 365 days at the moment of purchasing your policy. If you need to extend your policy during your travel, you can also extend by contacting us with extra charge. We recommend you extend before the expiry date so that you don’t need to take another waiting period if there is.

What if I want to stay longer than my original trip length?

You may be able to extend your existing Travel Plan. Extensions must be purchased before your existing Plan expires. Please contact Stonewell Financial – we'll review your Travel Plan to see if it is eligible for an extension.

Am I covered for COVID-19?

It depends on the plan. Both the international student insurance and visitor insurance we introduce include Covid coverage. Canadian insurance can add covid coverage as an additional premium. Please check the quote for details.

What is deductible?

While some definitions may differ between plans, and may not apply to all types of plans, we define deductible as “the portion of eligible expenses you must pay from your own pocket when an eligible claim occurs. There is no deductible for the international student insurance we introduce, and there are options ranging from $0 to $10,000 for visitor insurance and Canadian insurance. Options vary by plan. You can lower your premium as your deductible increases.

What is Beneficiary?

A beneficiary is a name that accidental death benefits payable as a result of your accidental death will be payable to your named beneficiary or to your Estate

How do I make a claim?

It depends on the plan. General process would be : Call the insurance company's claims department to explain the situation and open a claim. After receiving treatment, please bring your medical record and receipt for payment of medical expenses. After filling out the claim form, attach a scanned copy of your medical record and receipt, and send it to the insurance company's claim department by email. The insurer's claims department will review it within 2-4 weeks. If your coverage is approved, you will receive your check within 10-14 days. If rejected, appeal again, or if the reason is insufficient documents, prepare and send the missing documents again.

How do I apply for a refund?

A request for a refund of premium can be made prior to the Effective date of the policy, if the insured returns to his/her province or territory of residence prior to the expiry date of the policy, or when a Visitors to Canada or policyholder becomes covered under a provincial or territorial hospital/medical plan. Administrative charges may apply. *Different insurance plan has different refund policy. Please check your policy wording for an accurate information. No refunds will be given if the amount to be refunded is less than the minimum refundable amount. All refunds must be made with no insurance claim history.

What is Out of Pocket Expense?

Your expenses for medical care that aren’t reimbursed by insurance. Out-of-pocket costs include deductibles, coinsurance, and copayments for covered services plus all costs for services that aren’t covered.

Canadian Travel Insurance

Why Stonewell Financial?

We get paid by insurance company to help you acquire most suitable product based on your needs and budget. We as the broker represent our client’s best interests and our duty is to understand your situation, needs, and requirements due deligently to find best solutions.

Personalized advice

You should consult with us to design the best insurance product for your individual budget.

On-going Relationship

We are here for you all the way to the end this is our value over others.

No favour

Choosing the right plan is quite complicated and it can not be biased by price and name of company all the time.