Applying for Permanent Residency
Coverage options for someone applying for Permanent Resident status in Canada include:
The most suitable type of health plan for persons applying for Permanent Residency is an Expatriate Health Insurance Plan. We recommend our exclusive DCIS Expatriate Health Insurance Plan.
Here are some reasons why:
One distinguishing policy component by which a quality Expatriate Health Insurance Plan can be contrasted against a Visitors to Canada Travel Plan is the extent to which the policy will cover necessary follow up / continuing medical treatment beyond the initial treatment received for an illness or injury.
All Visitors to Canada Travel Plans will exclude, or give the Insurer the option to exclude, expenses for medical treatment that can be “reasonably delayed until the insured returns to their country of origin (whether or not they intend to return) by the next available means of transportation unless approved in advance....” In contrast to this, the DCIS Expatriate Health Insurance Plan is designed to cover necessary medical treatment whether it is the initial emergency treatment or follow up treatment.
Furthermore, once you commence coverage under the DCIS Expatriate Health Insurance Plan, you are guaranteed the ability to renew your policy regardless of changes in your health. A change in your health that occurs during a Visitors to Canada policy will affect your coverage should you need to renew and your ability to renew is subject to approval. These distinctions are important to note when one considers the fact that once someone has submitted his/her application for Permanent Residency, he/she is typically required to remain in Canada until his/her application has been approved or declined.