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.
|
IA is popular with visitors to Canada of all ages |
IA is popular with Super Visa applicants of all ages |
IA Standout Features
|
Nurse or Attendant Private duty nursing up to $10,000 (Visitors to Canada Plans) |
Emergency Air Return Home Up to $25,000 (Visitors to Canada Plans) |
Dental Accident $5,000 (Visitors to Canada Plans)
|
IA Advantages & Disadvantages
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
Disadvantages
- IA policies have limited secondary benefits.
- 5-day waiting period on sickness and injury benefits and a 21-day waiting period for COVID-19 coverage 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.