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Medical insurance for visitors to Canada from India

Best travel insurance for Canada from India

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medical_services Pre-existing diseases?
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Firstly take a look at what insurance coverage you may require based on where you are traveling to, duration of travel. Then review all insurance companies and their plans…Take factors like Reputation of the Insurer, Assistance Partner abroad and their hospital networks across the world, Claims settlement capabilities.

The key factors influencing the premium are the Age of the traveller, Destination of trip, Duration of travel and the Accident & Sickness Sum Insured opted for.

International travel health insurance for Canada from India

Indian visitors and tourists are advised to buy good travel health insurance for visiting Canada as it would cover most of the expenses arising from hospitalization due to sudden sickness or accidental injury. As the health care cost and other expenses in Canada are very high, any sudden mishap or unexpected sickness can lead to financial and emotional stress. Many insurance providers have designed some best travel insurance for Canada visitors from India that would offer coverage for medical evacuation, outpatient bills, doctor visits, trip interruption, baggage loss, baggage delay, passport loss, pre-existing medical conditions and personal liability. Majority of the travellers who are parents and senior citizens visiting their children can buy visitors health insurance coverage for pre-existing conditions.

Indian travellers visited Canada in record numbers in 2017 with 2,54,000 arrivals which further increased to 2,87,000 in 2018 and is now the 7th largest foreign inbound marketfor Canada. With an increase of 13% over 2017 arrivals, India saw the strongest growth recorded from all Asia-Pacific markets. Indian tourists spend on average close to $1,500 (RS.1,05,000) per trip to Canada for just their tickets and visas. The most trip purpose of visiting Canada is to visit friends and family which was up an estimated 45% over previous years. India is considered to be one of the most sought after countries to migrate to as well for Indians. According to Wikipedia data from 2016, Indians comprised 4% of the Canadian population and Canada had around 13.5 lac Indians staying there.

Indian travellers are most likely to visit Canada in the spring/summer months of May and June during the year given that Canada can get really cold during their winter months of November – February.Visitors to Canada travel to Ontario and British Columbia most often, with Niagara Falls, Toronto, Vancouver and Victoria being the most visited destinations. Alberta also saw increased visitation from Indian travellers with the Rocky Mountains being the biggest draw.

Research has suggested that Indians travel to Canada for a longer duration than most other visiting travellers. This could be due to the fact that they are visiting family as well as that they rarely spend so much money on just a short trip. Given the fact that Indians spend an average of 90-120 days on their trips to Canada, they are most likely to witness a couple of seasons of the year, and this changing climatic condition could result in illness of some nature. The average duration of Medical care in Canada is not as expensive as USA but it is definitely significantly costlier than in India. This is the primary reason that it is recommended that every Indian traveller going to Canada on a business/personal trip must carry their international health insurance cover. While there are inbound insurance providers in Canada willing to offer Indian tourists an insurance policy, the cost of the same will be higher when compared purchasing a comparable plan. Most importantly Indian insurance companies also offer Cashless Treatment for inpatients in hospitals abroad with the assistance of their Third Party Administrator (TPA).

There is an illustration below to explain the difference in costs of the Canada travel medical insurance for Indians. plans for your perusal. Please note that these are actual numbers taken from online websites for the purpose of comparison. The traveller is advised to compare the visitors medical insurance for Canada before making a final decision.
Insurance Plan Comparison Insured's Age Canadian Inbound Insurer Premium in $ USD Canadian Inbound Insurer Premium in INR Indian Insurer Premium in INR
Plan Coverage - $500,000 + Duration is 90 days Age 46 years $226 - $371 15,820 - 25,970 10,865 - 13,004
Age 61 years $415 - $511 29,050 - 35,770 21,867 - 26,596
Please note -Deductible under Canadian Plan is $250 ; India Plan is $100

Canada flag Canada - General information

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Location

North America

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Capital

ottawa

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Currency

Canadian dollar

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Population

3.9 crores

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Language

English & French

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Country code

+1

calendar_month 

Best time to visit

September to November



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Sports

Ice hockey



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Vacation spots

Victoria, Okanagan Valley, Jasper National Park, Saskatoon, Winnipeg, Toronto, Niagara Falls, Montréal, Cape Breton Island, Cavendish, Prince Edward Island.

What are the various visitor travel insurance plans available online at eIndiaInsurance?

At eIndiaInsurance we provide the most comprehensive basket of plans to choose from depending on your travel requirements. They include:
  • TATA AIG Insurance Plans
  • Bajaj Allianz Insurance Plans
  • Reliance Insurance Plans
  • Cholamandalam Insurance Plans
  • Apollo Munich Insurance Plans
  • Future Generali Insurance plans
  • Care Insurance Plans
  • Apollo Munich Insurance Plans
  • Royal Sundaram Insurance Plans
  • Star Health Student Insurance Plans
  • Universal sompo Insurance Plans
Overseas travel insurance, also known as overseas mediclaim policy offers cover for travellers going abroad on Leisure or Business. It offers coverage for medical and non medical emergencies like Accident & Sickness Cover, Trip Cancellation, Passport Loss, Personal Liability, Baggage Loss/Delay etc
Coverages Offered Policy Exclusions
  • Emergency Accident & Sickness Reimbursement
  • Medical Evacuation
  • Repatriation of Remains
  • Treatment of Mental Disorders
  • Cancer Screening and Mammography
  • Maternity Coverage
  • Study Interruption
  • Sponsor Protection
  • Missed Connection
  • Compassionate Visit (2 way)
  • Emergency Cash Advance
  • Any Pre-existing Condition
  • Routine physicals or other examination
  • Elective, cosmetic, or plastic surgery
  • Suicide, (AIDS), / (HIV) infection
  • Under the influence of drugs, alcohol, or other intoxicants
  • Loss arising out of War, civil unrest, Terrorism
  • Congenital anomalies
  • Participation in Adventure Sports
  • Pregnancy related conditions

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