Life Care Insurance

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Services we offer

International Student Health Insurance

 We’re here to make sure you have the time of your life without having to worry about expensive medical treatments abroad. Our international health insurance plans are designed to cover your medical needs, ensuring you have comprehensive cover when you need it most. Our Care plan is a good fit for students, as it offers flexibility, affordability and peace of mind, leaving you free to make memories you’ll never forget.

Insurance Coverage

  • This coverage must be purchased each time the visitor enters Canada.
  • Provide coverage of $100,000 or more
  • Include coverage for the following in :
    Health care
  • Be valid for 1 year from the date of entry into Canada

Our Process

Frequently Asked Questions

Generally you should to purchase at least 100,000 $ of medical insurance coverage as hospital cost for visitor to Canada can run up to 2500 $ Per Day. But, one should consider all aspects not limited to age, Health status, Pre-existing condition etc.

Each visitor must buy minimum $ 100,000 coverage before coming to Canada. The policy starts when a person lands in Canada and some companies cover transit period as well ( conditions apply, check policy wording). The person who is entering to Canada on a valid super visa must have the proof of insurance to show to the border services agent.

Travel insurance protects you in the case of medical and family emergencies, delays, theft and the last–minute plan changes that can happen anytime, anywhere, whether you travel frequently or occasionally.

The super visa policy is valid for one full year but some companies do cover for one and half year or two full years as well. Please refer to plan details of each company’s policy wording booklet.

This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with $50 deductible and incur $200 of expenses, the insurance company will begin to reimburse for expenses after you pay the first $50 of your medical bills.

No. Life Care Insurance and Financial Experts Inc. is Canada’s one-stop insurance portal. We are an online insurance shopping tool, providing consumers with insurance information and quote of provide competitive from competing insurance companies, 24/7. We are not an insurance company, but we do work closely with most of Canada’s top insurance providers to deliver unbiased information and quotes to our clients.

Life Care Insurance and Financial Experts Inc. offers quotes from some of Canada’s leading insurance companies – but not all of them.You may find a better rate elsewhere and if you are getting low rates as compared to us , Please feel free to contact us .Via all Toll Free Number or Email at

Yes. Life Care Insurance and Financial Experts Inc. value your privacy, and demonstrate our commitment to your privacy. You can learn much more about privacy from the Office of the Privacy Commissioner of Canada. The Privacy Act, you are protected by The Privacy Act of 1983, which limits the collection, use and disclosure of your personal information gives you the right to access and correct personal information which has been collected. You can learn more from the Treasury Board of Canada Secretariat.

Generally, pre-existing conditions are defined as any sickness, injury or medical condition for which the insured consults a physician, having symptoms, is hospitalized or medications are prescribed within a certain period before the effective date of coverage. Each insurance company treats pre-existing conditions differently and this is the major reason for declined Super Visa. The look back period may vary from 3 months to life time. Please, read the exclusion section in the insurance policy booklet for exact definition.

 Yes. If you choose a policy that includes pre-existing conditions, you will be covered for it.

Most Visitors Insurance policies can be extended. Just call us or your insurance company prior to the expiration of the policy. The insured person must be in good health and should not have any pending Super Visa.

Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply. Partial refunds are also available in case insured goes back to home country before competition of one year.

No. There is no medical exam required prior to purchase. You just have to fill the form which comprises of a few medical questions. You must answer all questions honestly, as not doing so may void (cancel) your coverage.

There are no restrictions where you seek medical service in Canada, as long as the amount charged by the providers is Usual, Customary and Reasonable for a particular service, treatment, or supply.

Parents and grandparents of Canadian citizens or permanent residents who have been found admissible to Canada and meet some other conditions are eligible for the Super Visa as stated by Canadian Government.