Work Visa Medical Insurance

Canada is widely recognized for its exceptional free Canadian health care system. However, it’s important to note that these services are exclusively accessible to Canadian citizens and permanent residents. As a result, it is crucial for work visa holders in Canada to make appropriate arrangements for themselves and their family health insurance. Ensuring proper coverage safeguards their well-being and provides peace of mind during their stay in Canada. At Danforth insurance we provide separate basic, standard and enhanced insurance plans while keeping workers’ financial and health situations in mind. Please consider all these three options to ensure health safety by keeping less burden on your pocket.

Why Choose Us?

Comprehensive medical coverage options from $15,000 to $1,000,000 for one year (365 days) or less number of days.

Convenience of monthly payment plan option!

Enjoy exclusive discounts for companions and family members

We provide quotes from multiple insurance providers in one place, allowing you to choose the best option for your health and financial situation.

We do price match or may even provide a better deal – call us at 647-350-0332

COVID-19 coverage available within Canada subject to the regular terms and conditions of the policy

Plans available for the stable pre-existing medical conditions (e.g., BP, heart, diabetes, cholesterol, lung and other conditions)

Diverse range of deductibles, from as low as $0 to maximum $10,000. Flexibility in choosing the deductible can offer significant reductions in your premiums.

100% refund – If no Visa granted for any reason before effective date.

Get a partial premium refund for plan changes, only if no claims have been processed.

Work visa insurance plans

We partner with several medical insurane providers to bring best insurance rates and discounts in one place for super visa insurance, temporary visitors, work visa, international students, new immigrants and returning Canadians. Explore insurance benefits below to address your health and financial needs.

21st Century insurance policies are underwritten by Manulife. Three plans (1) Basic, (2) Standard and (3) Enhanced are offered with a range of coverages from $15,000 to $200,000 and monthly payment option with $100,000 or more coverage for one year. Enhanced plan provides coverage for pre-existing medical conditions stable in 180 days prior insurance start date.

Insure Canada offers two plans (1) Standard, (2) Enhanced with several benefits. Insure Canada provides coverage for ages up to 84 years. Each plan provides emergency medical coverage from $25,000 to $1 million. Both Standard and Enhanced plan provide coverage for pre-existing medical conditions stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior insurance start date.

21st Century Plans Benefits

* 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 our detailed policy wordings:

Insure Canada Plans Benefits

Benefits	Standard	Enhanced
Coverage Options	$25,000 to $1,000,000.00	$25,000 to $1,000,000.00
Hospital Accomodation	Ward rate	Up to semi private room
Medical services	Included	Included
Diagnostic services	Included	Included
Prescription drugs	30 days, up to $500 per prescription	30 days, up to $1,000 per prescription
Private duty nurse	Up to $5,000	Included
Paramedical services	$300 per incident per service	$500 per incident per service
Emergency dental	$1,000 due to accident & $300 for pain	$3,000 due to accident & $500 for pain
Medical appliances	$5,000	$5,000
Emergency transportation	Included	Included
Transportation to bedside	Not available	Up to $3,000 for roundtrip airfair
Repartriation of remains	$5,000	$10,000
Meal and accomodation	Not available	Maximum up to $3,000
Hospital allowance	Not available	$50 per day, maximum $500
Follow up visits	Up to 3 follow up visits	Up to 3 follow up visits
Return & Escort of children	Not available	Included via economy airfair
Excess baggage return	Not available	$500
Accidental death & dismemberment	$50,000	$50,000
Flight accident	$50,000	$50,000

* 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 our detailed policy wordings: Policy document

Benefits	Basic	Standard	Enhanced
Medical services	Medical card received from physician in or out of hospital (conditions apply*)	Medical card received from physician in or out of hospital (conditions apply*)	Medical card received from physician in or out of hospital (conditions apply*)
Basic diagnostic services	Lab tests required by physicians to determine a medical condition	Lab tests required by physicians to determine a medical condition	Lab tests required by physicians to determine a medical condition
Advanced diagnostic services	cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre *	cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre *	cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre *
Follow-up physician visits	One follow-up per event of sickness or injury	No limit	No limit
Medical care	Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)	Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)	Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
Prescribed medication	prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered.	prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered.	prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered.
Pre-existing medical coverage	Not covered	Not covered If conditions existed in 180 days prior to effective date	Covered if conditions existed and stable in 180 days prior to effective date.
Hospital stay	semi-private room when available and intensive care unit when medically necessary	semi-private room when available and intensive care unit when medically necessary	semi-private room when available and intensive care unit when medically necessary
Emergency ground transport	Licensed local ambulance service	Licensed local ambulance service	Licensed local ambulance service
Emergency air transport	if our medical advisor and your physician recommends then we will pay for one or more of the following: air ambulance cost effective economy class fare for return to your home country return air fare for medical attendant if necessary stretcher fare on a commercial flight if necessary (conditions apply *)	if our medical advisor and your physician recommends then we will pay for one or more of the following: air ambulance cost effective economy class fare for return to your home country return air fare for medical attendant if necessary stretcher fare on a commercial flight if necessary (conditions apply *)	if our medical advisor and your physician recommends then we will pay for one or more of the following: air ambulance cost effective economy class fare for return to your home country return air fare for medical attendant if necessary stretcher fare on a commercial flight if necessary (conditions apply *)
Dental Accident coverage	Not available	Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face.	Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face.
Dental pain relief	Not available	Up to $300 acute dental pain for which you have not previously received treatment or advice	Up to $300 acute dental pain for which you have not previously received treatment or advice
Accidental Death and Dismemberment	Not available	Up to $25,000 coverage	Up to $25,000 coverage
Healthcare practioners	accupuncturist, chiropractor, physiotherapist	accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist	accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist
Side Trip Coverage	provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)	provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)	provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)
90 day provision	Not available	Reinstatement of coverage for a second claim related to the same condition	Reinstatement of coverage for a second claim related to the same condition