What’s Actually Covered in Visitors Insurance? A Simple Breakdown for Indian Families in Canada

When your parents or relatives visit you in Canada, their smiles and stories are priceless. But what if a medical emergency happens while they're here?

That’s where Visitors Insurance comes in and yet, so many families are confused about what it really covers.

At DaddySafe, we believe in protection with pyaar and that starts with clarity. Let’s break down what’s typically included in Visitors Insurance in simple, relatable terms.

What’s Covered: The Essentials

🏥Emergency Hospitalization

If your parent needs to be admitted due to sudden illness or injury, insurance typically covers:

• Semi-private room stays

• Surgery and physician fees

• Emergency tests and diagnostic scans

🚑 Ambulance Services

Whether it’s a road ambulance to the ER or an airlift in a remote area, insurance will often cover emergency transport.

💊 Prescription Drugs

Insurance covers a 30-day supply of prescription medications—perfect for acute treatments, though long-term prescriptions aren’t included.

👨‍⚕️ Paramedical Services

Some plans cover visits to:

• Chiropractors

• Physiotherapists

• OsteopathsWhen prescribed by a physician.

😬 Dental Emergencies

• Up to $3,000 for dental injuries from accidents (e.g., slipping and hitting the jaw).

• Up to $500 for sudden, painful dental issues.

🧳 Return of Deceased

In case of an unfortunate death during the visit, insurance covers:

• Repatriation of remains: up to $10,000

• Local burial or cremation: up to $4,000

✈️ Side Trips & Flight Accidents

If your parents take a trip to the U.S. while visiting, most plans cover side trips up to 30 days (with conditions). Also, flight accident coverage offers lump-sum payouts in tragic travel incidents.

What’s NOT Typically Covered

• Routine check-ups

• Pregnancy-related expenses

• Pre-existing conditions (unless “stable”)

• Elective or cosmetic procedures

• Medical tourism or planned treatments

Real Example:

"When my in-laws arrived from Delhi, we didn’t expect them to need a doctor. But my mother-in-law fainted unexpectedly during a grocery trip. Because she had proper visitors insurance, we avoided a $3,000 ER bill. DaddySafe had our back."

Visitor's insurance is about peace of mind. It protects your family from medical bills during sudden emergencies, so you can focus on making memories.

Disclaimer:

The information in this blog is intended for general understanding only and may not reflect the specific terms or conditions of all insurance providers. Always refer to the official policy wording or consult your insurance advisor before making any decisions. DaddySafe provides plan comparisons from licensed Canadian providers but does not offer legal or medical advice.