Doesn’t matter if you’re planning to visit, or have a temporary work permit, there are numerous companies from which you can buy travel insurance for Canada.
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It is crucial to get standard health insurance for you and your family, if applicable, during those early months of the waiting period, both Cigna Global and BestQuote are industry leaders as regards these policies.
As a participant of the IEC Working Holiday Visa in Canada program, one of the mandatory requirements is to have insurance that covers the whole period of your work permit and also insurance that would cover possible repatriation costs.
The regular provincial healthcare insurance and the usual medical cover given by employers typically don’t cover for these sets, so you are required to purchase separate travel insurance for Canada.
Lots of privately owned insurance selling companies have policies built specifically for the IEC market, but our recommendation is for you to begin your search with BestQuote as they offer a comprehensive comparison of rates for lots of varying options present on the market.
In Provinces like British Columbia and Alberta which are globally famous for snowboarding and skiing, before hitting those slopes, please ensure your Canadian travel insurance policy covers any possible injuries that could arise while skiing.
Canadian health insurance
If you are a Permanent residence applicant, you should consider a more comprehensive healthcare insurance policy, something above the typical packages for travel insurance for Canada.
And for this, we recommend Expatriate health insurance which is very comprehensive and makes certain you get access to the best available healthcare while living and working in Canada. Cigna Global is an industry leader when it comes to this policy and it usually spans a 12 month period where you’re provided with absolute cover in Canada, irrespective of your nationality or age.
Why does IEC work permit holders need travel insurance for Canada?
1. It’s compulsory for IEC work permits.
Yearly, there are uncountable stories on different forums and many online communities from people who were not issued the IEC work permit simply because they didn’t buy Canadian travel insurance.
That may seem harsh but the rules clearly stipulate that you ought to have insurance for the full time covered in your work permit.
2. You aren’t allowed to buy a short policy, and then extend it later.
Like we have said earlier, the rules are the rules and they are crystal clear: you are not allowed to purchase a three-month insurance package and later agree to extend it to the mandated two-year policy solely to appease the immigration officer.
So let’s say you only purchase a three-month or six-month plan and every other document is intact making you eligible for the permit, the immigration officer at that point is within their rights to issue you only a three-month or six-month visa which cannot be extended at a later date.
3. Provincial insurance isn’t accepted as adequate.
Remember how we talked about a possible repatriation cost cover earlier, this is exactly why provincial insurance that is on offer is not recognized as adequate enough by federal immigration officers.
Costs like flying you back to your home country when necessary aren’t covered on the provincial insurance, therefore you need to get comprehensive insurance that covers that and other relevant situations.
There are some other costs not covered by the provincial healthcare insurance and those include ambulance, dental accidents, medications, medical aides like casts and crutches, and most especially trips to the US and Mexico.
4. No one likes paying for insurance, but the alternative could be a lot worse.
No one really enjoys paying for insurance, as a matter of fact, we don’t like paying for those too but we buy insurance in the event that the worst happens.
More often than not, we feel it’s a waste of money if that big disaster does not happen.
From one adult to another, we advise you to take the responsible option, as your family wouldn’t appreciate a $72,000 CAD hospital bill when a serious injury occurs or maybe death and you need to be repatriated home.
So please make the responsible choice and buy insurance today. Good luck!