IA Hospital Medical Care Visitors Insurance Review

IA Hospital Medical Care Visitors Insurance

Ingle Assurance is administered by Travel Insurance Specialists (TIS) and underwritten by Industrial Alliance Insurance and Financial Services Inc. This policy is less well-known but is aggressively priced for the visitors to Canada market.

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IA is popular with visitors to Canada of all ages

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IA is popular with Super Visa applicants of all ages


IA Standout Features

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Nurse or Attendant

Private duty nursing up to $10,000

(Visitors to Canada Plans)

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Emergency Air Return Home

Up to $25,000

(Visitors to Canada Plans)

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Dental Accident

$5,000

(Visitors to Canada Plans) 

IA Advantages & Disadvantages

Pros icon   Advantages

  • IA policies are priced competitively for policies with or without pre-existing conditions coverage. The IA Hospital Medical Care Visitors Policy (No Pre-ex), in particular, is one of the most competitively priced visitors to Canada plans for all ages.
  • Trip breaks are permitted for travellers who need to return home quickly without cancelling and repurchasing policies.
  • Deductible applies once per insured per policy coverage period, not per claim.
  • Offers companion and returning customer discounts.
  • IA has monthly plans available for Super Visa applicants.
  • Some high-quality secondary benefits compared to other visitors to Canada plans: 
    • Hospital Incidentals (Telephone, TV)
    • Nurse or Attendant
    • Emergency Air Return Home
    • Follow-up Visits

Cons icon   Disadvantages

  • IA policies have limited secondary benefits.
  • 5-day waiting period on sickness and injury benefits if purchased after arrival in Canada. 
  • Coverage for travel outside Canada is not available on IA visitor policies.
  • The standard stability period for pre-existing conditions is 365 days.
  • Higher admin fee for cancellations.

Frequently Asked Questions