Emergency medical
Ask about eligible emergency treatment, benefit limits, deductibles, and provider assistance.
Bring the detail
Prepare travel dates and intended stay. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Pre-existing conditions
Read stability definitions, exclusions, and application questions carefully with the provider.
Bring the detail
Prepare eligibility questions for the provider. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Timing & eligibility
Confirm residency rules, arrival dates, waiting periods, and the exact policy start time.
Bring the detail
Prepare existing policy and public-plan status. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Eligibility and dates
Age, travel dates, arrival timing and existing protection affect the options.
Medical wording
Review underwriting and pre-existing-condition terms securely with the provider.
Benefit and evidence choices
Compare limits, deductibles, assistance and any applicable immigration evidence.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.
Read: Visitor-to-Canada insurance questions before arrival →