Yes, Visitor Insurance policies are typically extendable if requested before your current policy expires.

Yes, but it's recommended to buy coverage before arrival to avoid waiting periods or exclusions.

Most providers offer coverage to visitors of all ages, though premiums and options may vary based on age.

Many providers offer partial refunds if you leave Canada earlier than planned, provided no claims have been made. Terms vary by insurer.

Traveling can be exciting, but unexpected medical emergencies can cost thousands of dollars. Travel insurance protects you from these costs, ensuring you have financial coverage while traveling outside Canada, outside your province, or even for a short trip to the U.S.

A medical emergency while traveling can lead to unexpected expenses. Here’s why you need travel insurance:

• Canadian health insurance may not cover medical expenses abroad or in another province.
• Hospitals overseas may demand upfront payments before treatment.
• Medical costs in other countries can be extremely high.
• The Government of Canada will NOT pay for your medical bills abroad.
• Emergency medical evacuation can cost tens of thousands of dollars without coverage.

• Emergency medical treatment
• Doctor and hospital fees
• Ambulance services
• Emergency dental care
• Prescription medication
• Trip cancellation & interruption (optional coverage)
• Lost baggage (optional coverage)

It covers medical costs, income loss, and recovery expenses, ensuring financial stability during treatment.

Commonly covered illnesses include cancer, heart attack, stroke, kidney failure, major organ transplant, Alzheimer's disease, and others.

You can renew, convert to permanent insurance, or allow the policy to expire. Renewals often have increased premiums.

Yes, many policies allow conversion without a medical exam within a specific period outlined in the policy terms.

Yes, premiums are fixed throughout your chosen term, ensuring predictable payments.

Term life insurance typically covers most causes of death, but exclusions like suicide within initial years can apply. Review your policy carefully.

Whole Life offers fixed premiums with guaranteed cash value growth, whereas Universal Life offers flexible premiums with investment options.