Working Holiday Visa Insurance

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Re: Working Holiday Visa Insurance

Postby ArbetovInsurance » Fri Jun 20, 2014 4:12 am

No, you don't. I'll explain how it work with that.
So if you have a pre-existing condition and you have a policy that does not cover pre-existing conditions, you won't be covered if anything related to it happens.
So for example if a person has high blood pressure and they have a heart attack in Canada the emergency won't be covered if the plan does not cover pre-existing conditions.
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Re: Working Holiday Visa Insurance

Postby kate » Fri Jun 20, 2014 4:13 am

Ok, and no time limit on when the condition was?
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Re: Working Holiday Visa Insurance

Postby ArbetovInsurance » Fri Jun 20, 2014 4:14 am

So either way you wouldn't be mentioning your condition anywhere, it's completely up to you if you want it to be covered. Basically they want stability of 6 months for it to be covered.
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Re: Working Holiday Visa Insurance

Postby kate » Fri Jun 20, 2014 4:14 am

Hm sounds like it would be safer to cover it
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Re: Working Holiday Visa Insurance

Postby ArbetovInsurance » Fri Jun 20, 2014 4:16 am

So if you are worried that it might happen again or something else might happen because of it, then I would recommend a policy with pre-existing conditons. It's basically your choice, you wouldn't be declaring it but if something happens that's related, they will find out that you've had it before.
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Re: Working Holiday Visa Insurance

Postby kate » Fri Jun 20, 2014 4:16 am

with the deductible, is that for hospital cover only?
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Re: Working Holiday Visa Insurance

Postby ArbetovInsurance » Fri Jun 20, 2014 4:17 am

So for the deductible, you would pay it first in case there is any claims, doctors too.
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Re: Working Holiday Visa Insurance

Postby kate » Fri Jun 20, 2014 4:17 am

ok so if we went the non deductible route, and just paid 1562. What is the process for seeing a dr, is there any charge?
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Re: Working Holiday Visa Insurance

Postby ArbetovInsurance » Fri Jun 20, 2014 4:18 am

Nope. You would call the toll free number that comes with the policy and they can deal directly with the hospital/doctor/clinic
Usually the clinic accept insurance.
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Re: Working Holiday Visa Insurance

Postby kate » Fri Jun 20, 2014 4:19 am

and do they deal only with certain doctors or do you have a say in it?
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Re: Working Holiday Visa Insurance

Postby ArbetovInsurance » Fri Jun 20, 2014 4:20 am

No, just as long as it's a licensed one. Can't be a private one, cause they charge even more insanely :). But all the walk in clinics are gov., not private!
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Re: Working Holiday Visa Insurance

Postby kate » Fri Jun 20, 2014 7:56 am

Hi, I have a new question. Still here?
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Re: Working Holiday Visa Insurance

Postby ArbetovInsurance » Fri Jun 20, 2014 7:57 am

Yes
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Re: Working Holiday Visa Insurance

Postby kate » Fri Jun 20, 2014 7:58 am

ok great, thanks for all your help!! One quick last question.. how much would the pre-existing cover be for 1 year only? might do that, and then look at extending if we're still there for the second year
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Re: Working Holiday Visa Insurance

Postby ArbetovInsurance » Fri Jun 20, 2014 8:00 am

It's $1040 for $100,000 or $905 with $50,000 coverage. Two different companies.
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