When visiting family or taking a holiday in Canada, plan how you would handle an unexpected illness or injury. Visitors without Canadian government health-plan coverage should not assume local medical care is free. Visitor medical insurance can help with eligible expenses, subject to its terms. Check eligibility, dates, pre-existing conditions and procedures before travelling. Manulife's visitor-insurance overview

1. Emergency care comes first

For a life-threatening situation or an immediate need for emergency assistance in Canada, call 911 and follow the dispatcher's instructions. Do not delay treatment to obtain a claim number, contact a broker or wait for insurer permission. Ontario emergency-care guidance

Use an ambulance according to medical need. It is not a way to bypass an emergency-department queue; arrival by ambulance does not guarantee earlier assessment by a doctor. Brockville General Hospital's explanation of emergency triage

Once circumstances allow, you or a family member should contact the assistance provider listed in the policy. Both medical care and insurance notification matter, with safety first.

2. Confirm eligibility and any visa-related requirements

Tell your broker your age, arrival and departure dates, health information, government health-plan status and any side trips to other countries. A product for Canadian residents travelling abroad is not automatically suitable for a visitor to Canada.

Parents and grandparents applying for a Super Visa must meet IRCC's specific health-insurance requirements. Coverage must be valid for at least one year from entry, from a Canadian insurer or a qualifying foreign insurer. IRCC's Super Visa eligibility requirements

IRCC requires at least CAD100,000 in emergency coverage, including health care, hospitalization and repatriation. The policy must be paid in full or in instalments with a deposit; a quote is not accepted. Carry valid insurance evidence for each entry and make it available to border officers on request. Foreign-issued policies must include the required Canadian-business issuance statement. IRCC's insurance-document checklist

A foreign insurer must be OSFI-authorized to provide accident and sickness insurance, appear on the federal financial-institution list and issue the policy while conducting insurance business in Canada. This does not make any overseas policy acceptable. IRCC's foreign-insurer requirements

3. Check waiting periods and effective dates

Buying after arrival may involve a waiting period for sickness. Length, age rules, continuity provisions and waivers vary. There is no universal two-to-fifteen-day rule.

Arrange insurance before departure where possible and confirm the actual arrival and effective dates. An illness that starts during a waiting period does not automatically become covered because treatment happens later. Never postpone needed care for insurance reasons. An example of waiting-period wording in Manulife's standard visitor plan

4. Review pre-existing conditions accurately

Answer health questions fully. Ask how the policy defines pre-existing conditions, stability, medication or treatment changes, pending investigations and undiagnosed symptoms. Buying early does not itself satisfy a stability requirement, and a doctor's opinion that you can travel is not an insurer's coverage confirmation.

Have a health professional clarify medical facts when needed, then ask the insurer to explain the wording and provide written answers. Government of Canada guidance on pre-existing conditions and travel insurance

5. Contact assistance promptly under your policy's rules

When doing so will not delay necessary care, contact the assistance provider as required. Ask about treatment arrangements, follow-up approvals and payment procedures. A family member can help notify it if you cannot.

“Notify within 24 hours” and “pay 20% if you do not” are product-specific provisions, not universal rules. Check your policy's requirements, consequences and exceptions when contact is impossible. A claim number alone does not approve every expense. An example in Manulife's basic visitor policy

6. Keep documents and check separate deadlines

Keep your policy, claim number, itemized bills, payment receipts, medical reports, prescriptions and relevant travel evidence. Submit the requested forms and supporting documents, retaining copies. Allianz's claims-document checklist

Notification, the claim application and proof of loss may have different deadlines. Ninety days is not a universal cut-off, and returning home does not automatically prevent a claim. Report promptly and ask how to provide outstanding documents if your file is incomplete. An example of notification and proof-of-loss rules in an Allianz emergency medical policy

7. Understand deductibles and refunds before buying

A deductible is the amount you bear under the policy. Its application may depend on an event, related condition or policy period. Adding together several medical bills does not establish the reimbursement: eligible expenses, limits and other terms also matter.

Refunds for visa refusal, non-arrival, an early return or obtaining government health coverage depend on the product. Evidence, deadlines, fees and claim history may affect eligibility. Before cancelling or seeking a refund, Super Visa holders should confirm how it affects the valid coverage required for their stay and any later entry. Manulife's standard visitor-plan cancellation and refund wording

Share the information before departure

Save the policy and emergency assistance number where travelling family members can find them. To discuss visitor-insurance options, contact A-Z Insurance at 905-707-2929 or info@azinsure.ca. For a medical emergency, call 911 or the local emergency service directly.

This is general insurance information, not medical, immigration or individual claims advice. Insurer examples illustrate product differences; your purchased policy version governs. Confirm current Super Visa requirements with IRCC.

来加拿大看家人、度假或停留一段时间，行李之外，还有一件事值得提前安排：如果生病或受伤，医疗费用由谁承担，保险该怎么用？

没有加拿大政府医疗计划保障的访客，不应假定可以免费使用当地医疗服务。访客医疗保险可帮助应对符合条款的医疗支出，但投保资格、生效时间、旧病和理赔流程都需要提前看清。参考：Manulife访客医疗保险说明

1. 先记住：紧急救治不能等待保险批准

在加拿大遇到危及生命或需要立即救援的情况，拨打911并按接线员指示行动。不要为了取得理赔编号、联系经纪或等待保险公司同意而延误救治。参考：安省急诊服务指引

救护车应按医疗需要使用，不能当作缩短急诊排队时间的方法。医院按病情分诊，乘救护车到达不保证更快见到医生。参考：Brockville General Hospital急诊分诊说明

情况允许后，尽快由本人或家属联系保单列出的紧急援助机构。保险通知与医疗救援是两件事，两边都要处理，但先保障安全。

2. 先核对身份、行程与保险要求

向经纪说明年龄、抵达和离境日期、健康情况、是否已有政府医疗保障，以及途中是否会去其他国家。不要把适用于加拿大居民出境的产品，直接当作访加旅客保险。

申请Super Visa的父母或祖父母，还须符合IRCC专门的医疗保险要求。保险须至少从入境日起有效一年，可来自加拿大保险公司，或符合现行规定的境外保险公司。参考：IRCC Super Visa申请资格

IRCC要求至少100,000加元紧急保障，涵盖医疗、住院及遣返；须已全额付款，或采用已付订金的分期付款，报价单不被接受。每次入境都应有有效保险及证明，并可按要求供边境人员查阅。境外公司签发的保单还须包含在加拿大开展保险业务时签发的声明。参考：IRCC保险证明清单

境外保险公司须获OSFI授权提供意外及疾病保险、列在联邦监管金融机构名单内，且保单须在其于加拿大开展保险业务时签发。不要仅凭“境外公司也可以”就购买任意海外保单。参考：IRCC境外保险公司要求

3. 等待期和生效日，要看自己买的产品

落地后购买，可能涉及疾病等待期；时长、适用年龄、续保规则及豁免条件因产品而异。不能把“至少两天、最多十五天”当成所有保单的统一规定。

建议出发前办理，并准确确认抵达日期和保障生效时间。等待期内已经出现的疾病或症状，不会仅因后来才就诊而自动变成承保事件。不要为了保险而延迟就医。参考：Manulife访客标准计划条款中的等待期说明

4. 旧病与稳定期，不能只凭“感觉没事”判断

如实回答健康问题，确认旧病、稳定期、药物或治疗变化、待查项目及未确诊症状在保单中如何定义。提前买保险，不代表旧病就自动符合稳定期；医生认为适合旅行，也不等于保险公司已确认承保。

不确定如何回答时，请医疗人员帮助核实健康事实，再请保险公司解释相应条款，并保留书面答复。参考：加拿大政府旅行医疗保险与旧病说明

5. 尽早联系援助机构，但别把产品规则当成通则

在不会延误必要医疗的情况下，按保单要求联系援助机构，询问就诊安排、需批准的后续项目和付款方式。无法自行联系时，可由家属代为通知。

“24小时内通知”“未通知自付20%”可能出现在某些产品中，并不适用于每一份保险。请查看自己的通知要求、后果及无法联系时的例外。拿到理赔编号，也不代表所有费用已经获批。参考：Manulife访客基本计划条款

6. 保存资料，分别核对报案与交件期限

保留保单、理赔编号、分项账单、付款凭证、医生报告、处方及相关行程证明。按保险公司要求提交表格和文件，并为自己留副本。参考：Allianz理赔文件清单

首次通知、索赔申请和损失证明，可能有不同期限。不要把“90天”当作所有公司的统一截止日，也不要因为已经回国就假定不能继续办理。尽早申报；材料暂时不齐时，联系理赔机构确认补交安排。参考：Allianz紧急医疗计划的报案与损失证明规定

7. 自付额和退款，购买前问清楚

Deductible是保单规定由自己承担的部分。它可能按每次事故、相关病况或保单期间计算，须以实际定义为准。别只凭几次就诊费用简单相加，就认定之后全部可以报销；还要核对费用是否合资格、保障限额和其他限制。

签证被拒、未抵达、提前回国或获得政府医疗保障后，是否可以退款，也由产品规定决定。可能需要证明、申请期限或费用；是否已有索赔也可能影响结果。申请Super Visa时，还要确保退款或取消不会令所需保险出现缺口。参考：Manulife访客标准计划取消与退款条款

出发前，把联系方式留给家人

保存保单和紧急援助电话，确认同行家属知道在哪里查找。需要核对访客保险选项，可联系A-Z Insurance安众保险：905-707-2929，info@azinsure.ca。紧急医疗请直接拨打911或当地救援电话。

本文为一般保险信息，不构成医疗、移民或个别理赔意见。保险公司示例仅用于说明产品差异，不代表所有保单；实际保障和办理要求以所购版本为准，Super Visa要求请以IRCC现行指引为准。