KEY TAKEAWAYS

  • Understanding your visitor insurance policy is essential before filing a claim. Many claims are denied due to misunderstandings about coverage limits, exclusions, and deadlines
  • Missing or incomplete paperwork, such as medical reports, receipts, or proof of trip cancellations, is one of the most common reasons claims get delayed or denied
  • While online claim submissions are often the fastest, some providers may still require documents to be mailed or faxed
  • Verifying the preferred submission method and double-checking all requirements can help avoid processing setbacks
  • If your claim is rejected, carefully reviewing the Explanation of Benefits (EOB), gathering additional supporting documents, and submitting a well-documented appeal can improve your chances of getting reimbursed

IN THIS ARTICLE
IN THIS ARTICLE

Visitor insurance offers financial protection against unexpected medical expenses when you are in Canada. Whether you are dealing with a sudden medical emergency, lost belongings, or a cancelled trip, filing a visitor insurance claim correctly ensures you get reimbursed for eligible costs. 

In this article, we’ll take you through the step-by-step process of filing a visitor insurance claim efficiently.

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What is visitor to Canada insurance?

Visitor to Canada (VTC) insurance covers medical emergencies for travellers who are not covered by Canada’s public healthcare system. It helps pay for hospital stays, doctor visits, and other medical services.

Who needs it?

A visitor insurance policy is required by:

What are the steps to file a visitor insurance claim?

The steps to file a visitor insurance claim include reviewing your policy, gathering important documents, filling out forms, and more. To file a visitor insurance claim, you need to:

Review your insurance policy

Before filing a claim, you need to carefully examine your visitor insurance policy to understand:

  • Coverage limits: Maximum amount reimbursable for specific expenses
  • Exclusions: Situations not covered, such as pre-existing conditions
  • Deductibles and copayments: Amounts payable before insurance covers expenses
  • Claim deadlines: The time frame within which claims must be submitted

Gather necessary documentation

Our advisors recommend organizing documents in advance to prevent claim delays. Depending on your claim type, you’ll need the following documentation:

  • Personal identification: Copy of your passport or visa
  • Medical claims: Hospital bills, doctor’s notes, and pharmacy receipts
  • Trip cancellations: Proof of cancellation, airline tickets, and payment records
  • Lost or stolen items: Police reports and receipts for lost valuables
  • Proof of payment: Credit card or bank statements verifying your expenses

Download or access claim forms

Most insurance providers offer claim forms on their websites or customer portals. You can also request them through customer service. To make the process easier, we have compiled links to claim forms/portals for some of the insurance providers we work with:

You must make sure to:

  • Download the latest version of the form from the official site
  • Read the instructions carefully to avoid mistakes
  • Check if additional forms, such as a physician’s statement, are required

Remember, using the correct and most up-to-date claim form helps prevent delays in processing your claim.

Submit your claim

Claims can usually be submitted through multiple channels:

  • Online portal: Upload scanned documents to the insurer’s website
  • Email: Send a digital copy to the claims department
  • Mail: Send physical documents (keep copies for records)
  • Fax: Some insurers still accept faxed claims, but confirm beforehand

Follow up on your claim

After submission, track your claim’s progress by:

  • Checking the insurer’s online claim tracking system.
  • Contacting customer service for real-time updates.
  • Reviewing email notifications regarding claim status.

Processing times typically range from 7 to 30 days, depending on the complexity.

Understand the outcome

Once your form is reviewed, your claim may result in:

  • Approval: Reimbursement is issued via check, direct deposit, or card refund
  • Partial approval: Some expenses may not be covered due to policy limits
  • Denial: The claim is rejected, accompanied by an Explanation of Benefits (EOB) outlining the reason

If denied, carefully review the EOB to understand the reason.

Appeal if necessary

If your claim is denied, you may appeal by:

  1. Reviewing the reason for denial in the EOB
  2. Gathering additional documentation like missing records or clarifications
  3. Submitting a formal appeal letter along with supporting evidence
  4. Following up with the insurer to ensure the appeal is processed

Filing a visitor insurance claim may seem overwhelming, but staying organized, accurate, and proactive makes the process smoother. By following these steps and keeping thorough records, you can maximize your chances of a successful claim. If you encounter issues, contact your insurer for assistance.

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What is an EOB?

An Explanation of Benefits (EOB) is a document that your insurance provider sends after processing your claim. It details what was covered, the amount paid by the insurer, and any remaining balance you may owe. 

If a claim is denied or partially approved, the EOB will specify the reason for the decision, helping you understand whether you need to provide additional information or appeal the denial.  

What are the steps to file a Super Visa insurance claim?

To file a Super Visa claim accurately, you need to review your policy carefully, fill out the required forms, and submit your claim. Here are the steps you can follow:

  • Review your policy and check inclusions, exclusions, and claim submission deadlines
  • Collect your passport, Super Visa, medical bills, receipts, doctor’s reports, and proof of payment
  • Download the claim forms from your insurer’s website or request them directly
  • Fill out all details accurately, including policy number and treatment information
  • Submit the form and documents via the insurer’s online portal, email, mail, or fax
  • Track the claim status through your insurer’s website or customer service
  • If your claim is approved, reimbursement is issued; however, if it is denied, you’ll need to review the Explanation of Benefits (EOB)

To avoid delays, always submit your claim within the required deadline and ensure all documents are accurate and complete. 

What are the most common reasons for visitor insurance claims being denied?

Visitor insurance claims are often denied due to policy exclusions, insufficient documentation, and missed deadlines. Many travellers don’t realize that pre-existing medical conditions, high-risk activities like extreme sports, or travel to restricted regions may not be covered. 

Additionally, failing to submit required documents, such as medical reports or proof of trip cancellation, can lead to a denial. Another common issue is filing the claim too late since most insurers have strict time limits for submission. So, you must carefully review your policy and ensure you meet all requirements to help avoid claim rejection.

Learn more about health insurance for visitors to Canada
Need help?

Give us a call at 1-888-601-9980 or book some time with our licensed experts.

How long does it typically take to get a decision on a visitor insurance claim?

The processing time for a visitor insurance claim varies based on the insurer, the complexity of the claim, and the completeness of the submitted documents. Simple claims, such as those for minor medical expenses, can be processed in as little as 7 to 14 days

However, more complex cases, such as trip cancellations or emergency medical evacuations, may take 30 to 60 days or longer. If additional information is required, the process may be delayed further.  

Are there any specific documents that are often overlooked when filing a visitor insurance claim?

Yes, policyholders often forget to include a doctor’s or physician’s statement when filing a visitor medical claim in Canada. This document is essential as it provides details on the diagnosis and treatment received, helping insurers process the claim efficiently.

For trip-related claims, they may also fail to submit proof such as an airline cancellation notice, a hospital admission report, or a family member’s death certificate, which can lead to delays or denials.

Which companies offer visitor medical insurance in Canada? 

The best visitor insurance company depends on your unique needs, including coverage limits, pre-existing condition coverage, policy duration, and budget. Several insurance companies in Canada offer visitor medical insurance with different benefits to suit various needs.

Here are some of the best visitor insurance providers in Canada:

  • Allianz – Best for international students
  • Manulife – Best for comprehensive coverage
  • TuGo – Best for pre-existing medical conditions
  • 21st Century – Best for companion discounts
  • Blue Cross – Best for medical coverage
  • Destination Canada – Best for Super Visa insurance
Learn more about the best visitor insurance companies in Canada

Need help filing your visitor insurance claim? Our experts are here to guide you!

Filing a visitor insurance claim can be overwhelming, but you don’t have to do it alone. Our dedicated team of advisors specializes in visitor insurance and provides step-by-step guidance to ensure a smooth claims process.

  • We work with 30+ top visitor insurance providers in Canada, ensuring you have access to the best options
  • Our expert advisors specialize in visitor insurance, helping you file claims efficiently and avoid common pitfalls
  • AI-powered advisor support tailors recommendations based on your concerns, ensuring you get personalized assistance
  • Smart scheduling matches you with the right advisor based on expertise and availability for fast, accurate support
  • No-obligation consultations let you ask questions and get clear guidance without any pressure

Get expert help today—schedule a free call and let PolicyAdvisor simplify your visitor insurance claim process!

Need help?

Give us a call at 1-888-601-9980 or book some time with our licensed experts.

Frequently asked questions

What should I do if my claim is denied?

If your claim is denied, the first step is to carefully review the Explanation of Benefits (EOB) provided by your insurer. This document outlines the reason for the denial, such as missing information, policy exclusions, or expenses exceeding coverage limits.

If you believe the denial is incorrect, you can file an appeal by providing additional documentation, such as medical records, payment receipts, or clarification letters from service providers. 

You must follow the insurer’s appeal process and meet any deadlines for reconsideration. If your appeal is unsuccessful, you can escalate the issue by filing a complaint with your local insurance regulatory authority.

Can I file a claim for expenses I paid upfront?

Yes, you can file a claim for expenses you paid out of pocket, as long as they fall within the coverage limits of your policy. Most visitor insurance policies operate on a reimbursement basis, meaning you must submit receipts, invoices, and proof of payment to receive compensation. It’s essential to file the claim as soon as possible after incurring the expense and ensure you include all required documentation to avoid delays in processing.

How can I check the status of my claim online?

Most insurance providers offer online claim tracking portals where you can check the status of your claim. To access this service, visit the insurer’s website and log in to your account using your policy number or claim reference number. 

Some insurers also provide email or SMS updates regarding claim progress. If you cannot find online tracking options, we recommend that you contact customer service for a status update. 

SUMMARY

Filing a visitor insurance claim accurately ensures you get reimbursed for eligible expenses like medical emergencies, and trip cancellations. This guide walks you through the process, from reviewing your policy and gathering documents to submitting your claim and handling potential denials. Following the correct steps can help you avoid delays and maximize your chances of approval.

Written By
Khaleel Lewis
Senior Insurance Advisor, LLQP
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