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Official JF Partner

JF Insurance for Super Visa, Visitors to Canada, Work Visa, New Immigrants, and Returning Canadians.

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JF Insurance Plan

JF insurance plan comes with the coverage options ranging from $10,000 to $300,000. This plan provides coverage with and without pre-existing medical conditions. JF insurance does not require a medical questionnaire, although certain exclusions apply. Following are the key benefits of choosing JF insurance plans:

Choose coverage from options ranging from $10,000 to $300,000. However for super visa insurance coverage starts from $100,000.

Monthly payment option available for $100,000 or more coverage for 1-year (365 days) plan.

Diverse range of deductibles, from as minimum as $0 to maximum $3,000. Flexibility in choosing the deductible can offer significant reductions in your premiums.

Get coverage for stable pre-existing medical conditions (e.g., BP, heart, diabetes, cholesterol, lung and other conditions) if stable in 120 days before insurance start date.

100% refund in case of visa denial. Visa denail letter is required before the insurance start state to process refund.

Easy early return refund available if there is no claim on insurance.

JF Insurance Plan Benefits

Benefit	Details
Pre-existing conditions coverage	Covers pre-existing conditions stable in 120 days prior to insurance start date
Medical questionnaire required?	No — exclusions apply (see policy wording for details).
Hospital accommodation	Covers reasonable and customary ward rate in case of emergency treatment
Prescription drugs	Coverage Limits to 30-day supply per prescription unless hospitalized
Follow-up visits	Covers follow-up visits when related to emergency medical treatment
Private duty nurse	Covers private duty nursing during hospitalization
Ground or air transportation	licensed ground ambulance service when medically necessary
Dental coverage	Up to $3,000 for treatment as a result of accidental blow Up to $500 for dental emergency treatment Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Laboratory tests & X-rays prescribed by attending physician This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans digital x-rays, sonograms, ultrasounds or biopsies unless such services are approved in advance by Ontime Care. Ontime Care contact details can be found in policy wording
Medical Appliances	Covers cast, splints, trusses, braces, crutches, rental of a wheelchair or other minor medical appliances
Health professional services	Up to $500 per paramedical practitioner (chiropodist, chiro- practor, osteopath, physiotherapist, optometrist or podiatrist), provided treatment is prescribed by a physician and approved by Ontime Care
Accidental death & dismemberment	Up to coverage amount or $150,000 per person
Return of deceased/ Cremation or burial	Up to $10,000 for costs incurred to prepare and return your remains to your country of origin; up to $4,000 for cremation and/or burial at the place of death Note: The cost of the casket or urn is not covered by this benefit.
Transportation to bedside	Not covered
Side trip coverage	Covers side trip to to another country as part of your covered trip if your side trip: a) Originate or terminate in Canada; b) Not exceed 49% of your covered trip’s duration; c) Not be a temporary visit to your country of origin.
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be automatically extended for 72 hours in any of the following event: Delay of conveyance Hospitalization: the period of hospital confinement, plus 72 hours after release to travel home Medically unfit to travel but not hospitalized
Policy cancellation/ Refund	You may cancel this policy for a full refund provided it is done before the effective date Premium refunds requests can be made after the policy start date in case of early return or you become eligible for a government insurance plan in Canada. A partial refund (less $40 administration fee) will be possible if there is no claim.
Waiting period	Waiting period applies if you purchase policy after your arrival in Canada Up to Age 85: 48-hours if coverage is purchased within 30 days after arrival. 7-days if coverage is purchased more than 30 days after your arrival Age 86 and over: 15-days if coverage is purchased anytime after arrival

* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review visitor to Canada medical insurance in policy wording.