Can Visitor Insurance be Extended?
Understanding Visitors Insurance in Canada
Visitor Insurance in Canada can help you avoid paying out of pocket for extensive healthcare costs in the country. It is sought by international travellers to cover unforeseen expenses that can arise from sudden accidents or illnesses. Hospitalization, emergency treatments, and sometimes even prescriptions and dental care can be covered. However, Visitor Insurance should not replace the need for traditional travel insurance, which covers other aspects such as trip cancellations and lost luggage.
The Need for Extension
Plans change, and sometimes you might decide to stay in Canada longer than planned. This could happen due to extended contracts at work, longer visits with family, or simply a desire to see more of the country. In such situations, extending your visitor's insurance coverage is important to relieve stress and ensure you are financially protected for any medical emergency that may occur during your stay."
Extending Your Visitor Insurance Coverage
Visitor Insurance Policies in Canada are usually rather lengthy, leaving you enough time to drop by a nearby broker or head to our website to get insurance coverage for more time. How can you extend coverage?
Check Your Current Policy Terms
The initial step for the extension of your Visitor Insurance is to read the fine print of your current policy. Some policies have sections with respect to extensions with specific deadlines to request an extension, for example. Knowing these answers is key to ensuring you remain covered.
If you are nearing the end of the maximum 90 or 180-day period and want to extend your trip, call your insurance provider as soon as you know you'll be staying longer. While not all providers roll over Visitor Insurance Coverage, most will offer to do so and are fairly accommodating, as long as you let them know and make your request before your policy expires. You can typically start this process online or call to request a quote for Visitor Insurance for the extended stay period.
Contact Your Insurance Provider
If you decide to extend your stay, contact your insurance provider as soon as possible. Most providers are accommodating when it comes to extending Visitor Insurance Coverage but require notice before the original policy expires. This process can usually be initiated online or over the phone, where you can also request a Visitor Insurance Quote for an extended period.
Compare Quotes and Policies
If you do not like the terms or costs your current provider will extend, or you are past the deadline to extend, you may need to purchase new coverage. This is the best time to compare Visitor Insurance Quotes from various providers. Seek out a policy that aligns with your new needs and keeps your coverage running throughout your prolonged stay.
Understand the Implications of a Lapse in Coverage
You must not allow your insurance to lapse or it will affect your ability to submit a future claim. If there is a gap between the expiration of your old policy and the start of the new one, you will be responsible for any medical bills you incur at that time.
Finalize and Purchase Extension
Once you have selected the best Visitor Insurance Policy that meets your requirements, you can proceed to complete any necessary medical exams, paperwork, and payment. Remember to get confirmation that the policy has been extended or of the new policy coverage before your current coverage ends.
Concluding Words
Renewing Visitor Insurance in Canada is simple, as long as you plan ahead of your policy expiring date. Whether your stay is extended for personal or professional reasons, remaining insured will keep you from the expense of dealing with unforeseen medical emergencies. Making sure you are well-protected with an extended stay-specific Visitor Insurance program is so important. Doing this will ensure that you can spend your extended stay in Canada with absolute ease.
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