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For Travelling Canadian

Travel insurance for Canadians is available in the form of single trip or annual plans. Annual travel insurance provides coverage for the entire year, allowing policyholders to be covered for multiple trips within a specified number of days per trip. This type of insurance is beneficial for individuals who take several vacations per year or frequently travel domestically. It offers convenience and peace of mind, with some policies even providing automatic renewal options.
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Travel with Peace of Mind: Safeguard Your Adventures with Travel Insurance

It is important to accurately fill out the application, including disclosing any pre-existing medical conditions, to ensure coverage and avoid potential claim denials. Geographical coverage should also be considered, as some policies may have specific regions or higher premiums for certain destinations. It is crucial to select a policy that aligns with travel needs and destinations to ensure proper coverage.

What is the difference between single trip and annual travel insurance for Canadians?

Single trip insurance provides coverage for a specific trip, while annual travel insurance covers multiple trips within a year.

How long are the coverage periods for annual travel insurance plans?

The coverage periods for annual travel insurance plans typically range from 10 days to 30 days per trip.

    Is there an automatic renewal option for annual travel insurance for Canadians?

    Some insurers offer automatic renewal options for annual travel insurance, providing convenience and ensuring continuous coverage.

      Should I consider annual travel insurance if I only take one vacation abroad per year but travel extensively within Canada?

      Yes, annual travel insurance can still be beneficial for individuals who travel extensively out of province. It can provide coverage for travel disruption and personal accidents.

        Are domestic holidays insurable under annual travel insurance for Canadians?

        While some individuals may not consider domestic holidays as insurable, it is still essential to ensure coverage for travel disruption and personal accidents when traveling out of province.

          How does the cost of single trip insurance compare to the cost of annual travel insurance for a month-long vacation outside of Europe?

          The cost of insuring a month-long vacation outside of Europe with single trip insurance is likely to be similar to the cost of an annual policy. However, an annual policy offers the advantage of being insured for last-minute vacation deals.

            What should I consider when applying for annual travel insurance for Canada?

            It is important to provide accurate information on the application, including disclosing any pre-existing medical conditions. Some insurers have age restrictions, and premiums may vary based on age groups.

              Can I be denied a claim if I provide inaccurate information about pre-existing conditions?

              Yes, if the insurer discovers that you have provided false information about pre-existing conditions, your claim may be denied. It is crucial to be honest and transparent when filling out the application.

              Are there different coverage options based on geographical regions for annual travel insurance?

              Yes, some annual travel insurance plans may offer more affordable rates for coverage within Europe only or have higher premiums for worldwide coverage, including trips to the United States, Canada, and the Caribbean.

              Will my annual travel insurance policy cover travel to high-risk regions?

              Coverage for high-risk regions, especially those advised against by government travel advisories, may not be included in the policy. It is essential to check the policy details and ensure coverage for the intended destinations.
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              Visitor to Canada


              Visitor To Canada

              Travel insurance is an essential consideration for individuals visiting Canada. Specific travel insurance policies are available to cater to their needs. These policies cover medical expenses related to sudden illnesses and emergency medical treatment caused by accidents during the visit to Canada, including coverage for stable pre-existing conditions. 

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              Protect Your Loved Ones: Comprehensive Visitor to Canada Travel Insurance for Your Relatives Abroad

              The price of insurance is determined by factors such as age, number of days to be insured, deductible, coverage amount, and the choice to cover old diseases. Insurance premiums for different age groups may vary significantly, with premiums typically increasing after the age of 70.

              What is travel insurance for Canadian visitors?

              Travel insurance for Canadian visitors refers to insurance specifically designed to cover medical expenses and emergencies during their stay in Canada. It provides coverage for sudden illnesses, accidents, and stable pre-existing conditions.

                What is visitor to Canada travel insurance?

                Visitor to Canada travel insurance is a type of travel insurance designed for individuals visiting Canada. It covers medical expenses, emergency medical treatment, and stable pre-existing conditions during their stay in Canada.

                How are premiums determined for visitor to Canada travel insurance?

                Premiums for visitor to Canada travel insurance are determined based on factors such as age, number of days to be insured, deductible amount, coverage amount, and the choice to cover old diseases. These factors help insurance companies calculate the cost of providing coverage to the insured individual.

                What are the coverage options provided by visitor to Canada travel insurance?

                Visitor to Canada travel insurance typically offers coverage for medical expenses related to sudden illnesses, emergency medical treatment for accidents, and stable pre-existing conditions. The coverage amount can vary, with options starting from $10,000 CAD and going up to $150,000 CAD or higher, depending on the insurance company.

                Are there any age restrictions for visitor to Canada travel insurance?

                Some insurance companies may have age restrictions for visitor to Canada travel insurance. For example, certain companies may require individuals between the ages of 59 and 85 to complete a medical questionnaire if coverage for stable pre-existing conditions is needed. Other companies may have different age restrictions or requirements.

                  Can visitor to Canada travel insurance be extended if the stay is prolonged?

                  It depends on the insurance company and the specific policy. Some insurance companies may offer options to extend visitor to Canada travel insurance if the stay is prolonged. It is advisable to check the policy details or contact the insurance company directly to inquire about extensions and any associated costs.

                  What factors determine the price of insurance for visitors to Canada? 

                  The price of insurance is determined by factors such as age, number of days to be insured, deductible amount, coverage amount, whether to cover pre-existing conditions, and the pricing of different insurance companies' products.

                  Are insurance premiums tax deductible for visitor to Canada insurance? 

                  No, medical insurance premiums for visitors to Canada are not subject to taxes.

                  What options are available for visitor to Canada insurance? 

                  Different insurance companies offer various options, but generally, coverage starts from $10,000 CAD, with upper limits of $150,000 CAD being more common. For Super Visa insurance, which is designed for visiting parents or grandparents, the government requires a certificate of insurance covering a minimum of $100,000 CAD.

                  What does visitor to Canada travel insurance cover? 

                  Visitor to Canada travel insurance covers medical expenses related to sudden illnesses and emergency medical treatments caused by accidents during a visit to Canada. It also covers stable pre-existing and chronic diseases.

                  Will travel to other countries be covered by the insurance during my visit to Canada?

                  In most Canadian travel insurance products, travel to other countries is covered as long as the time spent in Canada exceeds 51% during the insured period, excluding the country of origin (China). However, there may be additional rules limiting the maximum number of days spent outside Canada, usually up to 30 days.

                  Will the insurance cover me if I visit relatives in other provinces in Canada?

                  Yes, the insurance covers the insured person throughout Canada, including visits to relatives in different provinces.

                  When does the insurance become effective?

                  The purchase date is not the same as the effective date. You can choose the effective date yourself, based on local time in Canada. It is important to note that there may be a waiting period where certain medical conditions are not covered if the policy has lapsed or if the insured person has already arrived in Canada without insurance.

                  When does the policy end? 

                  The policy ends on the expiration date stated on your policy at 11:59 PM Canadian local time. It may also end if the insured person becomes a resident of a nursing home, home for the aged, or any other long-term care facility during the trip, or if they leave Canada to return home. Alternatively, the policy may end 365 days after the effective date. Some insurances may also calculate the end date based on the time the plane takes off when returning to the country of origin. For specific details, it is best to consult the insurance company or broker.

                  Do I need to undergo a medical examination for visitor to Canada travel insurance?

                  No, a medical examination is not required for most products. However, some products may require a medical questionnaire, especially if you want coverage for pre-existing conditions.

                  Do I need to fill out a medical questionnaire for coverage of stable pre-existing conditions? 

                  It depends on the insurance company. For example, people between the ages of 59 and 85 are required to complete a medical questionnaire for the 21st Century insurance product. Allianz only requires people over 70 to fill out a medical questionnaire.

                  At what age is it most difficult to obtain insurance? 

                  The difficulty in obtaining insurance varies. Some companies require people between the ages of 59 and 85 to complete a detailed medical questionnaire if they need coverage for pre-existing conditions. Other companies, like Allianz, only require people over 70 to fill out a medical questionnaire.

                  Are the premium prices significantly different between adjacent age groups? 

                  Yes, the premium prices can vary greatly between different age groups. For example, the premiums for the 66-70 age group are usually higher than those for the 60-65 age group. This is because some companies calculate insurance premiums based on the age at the policy's effective date, while others calculate based on the age at the date of application. Therefore, for individuals approaching the next age group (such as those on the cusp of turning 60, 65, 70, or 75), it is advisable to choose the former option and purchase insurance in advance to save money.

                  At what age will the insurance premium cost the most? 

                  The premium cost tends to increase significantly after the age of 70, as seniors are more likely to experience illnesses. Premiums are rated based on the likelihood of a claim.

                  Does the insurance cover existing chronic diseases, such as hypertension or diabetes? 

                  Yes, insurance coverage for stable pre-existing conditions is available. However, different companies have different definitions of "stable." For example, the 21st Century Visitors to Canada Emergency Medical Insurance Plan provides coverage for individuals under the age of 85, as long as their condition has been stable for 180 days before the policy takes effect. Some products may require a stability period of 120 days. Additionally, most products have specific age limits for underwriting stable pre-existing conditions, and some companies may not cover them beyond a certain age.

                  Is heart disease covered by the insurance?

                  If the heart disease is stable and meets the conditions of "stable pre-existing conditions," it can be insured.

                  What are the common accidents prone to the elderly?

                  Common accidents prone to the elderly include heart disease, high blood pressure, diabetes, rhinitis attacks, falls, fractures, colds, fever, allergies, and more. Additionally, the strain of travel and exposure to unfamiliar water and soil can increase the risk of diseases.

                  Is there a possibility of accidents on the plane? 

                  Apart from aircraft accidents, long-distance flights can cause fatigue, which may lead to blood clots in the elderly, posing a risk to life and safety.

                  After buying insurance, do I need to pay for medical treatment? 

                  Whether you need to pay for medical treatment depends on two factors: the deductible you choose and the underwriting conditions of the insurance company. If you choose a zero deductible, you do not need to pay the deductible fee. However, if you choose a deductible of, for example, $1,000 CAD, you would need to pay that amount. Additionally, insurance companies may set upper limits for certain medical items, so you may be responsible for paying any expenses that exceed those limits.

                  Does visitor to Canada travel insurance include aviation insurance?

                  Most visitor to Canada travel insurance policies include aviation insurance, but the coverage for aviation accidents can vary. For example, the 21st Century Visitors to Canada Emergency Medical Insurance Plan provides $10,000 CAD of aviation insurance coverage, while TUGO's Visitors to Canada Platinum insurance plan offers $25,000 CAD of aviation insurance coverage. Other companies' insurance coverage is generally equivalent to the insured amount.

                  What is covered under visitor to Canada travel insurance?

                  Visitor to Canada travel insurance generally covers the following items, although specific regulations may vary between companies. It is recommended to consult brokers or insurance companies for detailed information:
                  • Hospitalization expenses, including diagnosis, surgery, drugs, and beds
                  • Registered nurses and private nursing expenses (with caps)
                  • Physician's medical expenses
                  • Diagnostic costs, such as X-rays and laboratory tests
                  • Ambulance expenses, if necessary
                  • Necessary medical equipment-related expenses, such as splints, braces, crutches, and wheelchair rentals
                  • Auxiliary rehabilitation treatments, like massage and acupuncture (with cost limits)
                  • Treatment costs for auxiliary specialists, such as chiropodists, chiropractors, orthopedists, physiotherapists, or podiatrists (with cost limits)
                  • Prescription drugs (with cost caps)
                  • Dental accidents (with cost caps)
                  • Expenses for accompanying relatives
                  • Aviation accidents (with fee caps)
                  • Funeral or repatriation expenses (with upper limits)

                  What is not covered in visitor to Canada travel insurance?

                  Visitor to Canada travel insurance typically does not cover the following:
                  • Traveling for the purpose of seeking treatment or medical advice
                  • Loss, injury, or death caused by drugs, alcohol, or other narcotic substances
                  • Medical services or hospitalization planned before the policy becomes effective
                  • Natural therapy or holistic therapy
                  • Expenses related to pregnancy, abortion, miscarriage, childbirth, or complications arising from these conditions. It is important to note that different companies may have additional regulations, so it is advisable to consult them individually.

                  What is automatic guarantee extension? 

                  Automatic guarantee extension means that if you are hospitalized before the policy expires, the insurance company will extend the policy's validity period. However, there are restrictions and variations between different company policies. It is recommended to check your policy wording or discuss it with your insurance broker for more information.

                  What is a deductible?

                  A deductible is the minimum cost that you need to bear when making a claim. Travel insurance may offer different options for deductibles, ranging from zero to tens of thousands of Canadian dollars.

                  How does the deductible affect the premium? 

                  In general, the higher the deductible you choose, the lower the premium you will pay.

                  What is a vanishing deductible?

                  A vanishing deductible means that the deductible amount will decrease to zero. For example, if you choose a vanishing deductible of $2,500 CAD when purchasing insurance, any accidental medical expenses exceeding $2,500 CAD will not require you to pay any deductible.

                  Is it necessary to choose a vanishing deductible?

                  Choosing a vanishing deductible may be advisable if you are concerned about severe illnesses or serious accidents. However, it may not be necessary for minor illnesses.

                  When is it appropriate to buy zero deductible?

                  If you are only purchasing short-term travel insurance for two or three months, it may be more appropriate to choose a zero deductible.

                  What is the lowest premium for general insurance products?

                  The lowest premium for general insurance products typically ranges from $20 to $25 CAD.

                  How much will the insurance company pay for medical expenses?

                  The amount that the insurance company will pay for medical expenses depends on the premium you have purchased, the deductible fee, and the specific regulations of the company. For example, certain fees may have specific upper limits.

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                  World Nomads working on foreign land


                  Travel Insurance World Nomads

                  As a Canadian digital nomad, having travel insurance is essential to ensure peace of mind and protection during your global adventures. World Nomads offers comprehensive travel insurance specifically designed for digital nomads and long-term travelers. This insurance provides coverage for medical expenses, emergency medical evacuation, trip cancellation, baggage loss, and more, tailored to the unique needs of a digital nomadic lifestyle.

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                  Embrace the Nomadic Lifestyle: Explore the World with Confidence with World Nomads Travel Insurance

                  Living the life of a digital nomad allows Canadians to embrace the freedom of working remotely while traveling the globe. Whether you're working from bustling cafes in Southeast Asia, exploring ancient ruins in South America, or immersing yourself in vibrant cultures in Europe, being a digital nomad offers a unique blend of work and adventure. However, it's important to prioritize your well-being and protect yourself with travel insurance, such as the specialized coverage offered by World Nomads.

                  What is World Nomads travel insurance?

                  World Nomads travel insurance is comprehensive coverage designed specifically for digital nomads and long-term travelers, offering protection and peace of mind during their global adventures.

                    What does World Nomads travel insurance cover?

                    World Nomads travel insurance covers a range of benefits, including medical expenses, emergency medical evacuation, trip cancellation, baggage loss, and more, tailored to the unique needs of digital nomads.

                      How does World Nomads travel insurance cater to the needs of Canadian digital nomads?

                      World Nomads travel insurance understands the specific requirements of digital nomads and provides coverage that aligns with their nomadic lifestyle, ensuring they are protected while working and exploring abroad.

                      Why is travel insurance important for Canadian digital nomads?

                      Travel insurance is crucial for Canadian digital nomads as it provides financial protection in case of unexpected events, such as medical emergencies, trip cancellations, or lost baggage, allowing them to continue their nomadic lifestyle with peace of mind.

                        Can World Nomads travel insurance be customized for different travel durations?

                        Yes, World Nomads travel insurance offers flexible coverage options that can be tailored to different travel durations, including long-term coverage suitable for Canadian digital nomads

                        Does World Nomads travel insurance cover all countries worldwide?

                        World Nomads travel insurance provides coverage for most countries worldwide. However, it is important to review the policy details to ensure coverage for specific destinations.

                        Can Canadian digital nomads purchase World Nomads travel insurance while already abroad?

                        Yes, World Nomads travel insurance allows Canadian digital nomads to purchase coverage while already abroad, providing them with the flexibility to obtain insurance even during their nomadic journey.

                          What should Canadian digital nomads consider when selecting travel insurance?

                          Canadian digital nomads should consider factors such as medical coverage, emergency evacuation, trip cancellation, baggage coverage, and 24/7 assistance when selecting travel insurance to cater to their unique lifestyle needs.

                          How can World Nomads travel insurance contribute to the peace of mind of Canadian digital nomads?

                          World Nomads travel insurance offers reliable coverage, giving Canadian digital nomads peace of mind and the freedom to explore the world without worrying about unforeseen events.

                          Are there any additional benefits or features offered by World Nomads travel insurance?

                          World Nomads travel insurance often includes additional benefits, such as coverage for adventure activities, access to a global assistance network, and resources for travel safety and tips tailored to the digital nomadic lifestyle.
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                          grand parent arrived at airport


                          Super Visa

                          The Super Visa program in Canada offers an opportunity for parents and grandparents of Canadian immigrants to visit their families for an extended period.

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                          Super Visa for Parents of Immigrants Visiting Canada

                          The Super Visa program in Canada offers an opportunity for parents and grandparents of Canadian immigrants to visit their families for an extended period. One of the requirement for the special visa application requires emergency medical insurance for the visiting parents as a condition.

                          Do I need to purchase travel insurance for a super visa?

                          Yes, travel insurance is a requirement for the super visa.

                          What are the specific requirements for travel insurance for a super visa?

                          The insurance must have a minimum coverage amount of 100,000 Canadian dollars, be effective from the date of entry, be provided by a Canadian insurance company, be purchased for a minimum of one year, and cover healthcare, hospitalization, and repatriation costs. More details can be found in this article: Visa options for applying for (grand) parents to visit relatives: Visiting Visa (Visitor Visa) or Super Visa?

                          When should I purchase the travel insurance for a super visa?

                          You must purchase the insurance when you apply for the super visa and submit it with your application materials.

                          How should I fill in the effective date of insurance when applying for a super visa?

                          You can write down the desired effective date of the insurance policy. If your travel plans change later on, you can modify the effective date for free.

                          Do I need insurance for Super Visa holders when entering Canada in the second year?

                          While not mandatory, holding the purchase certificate may allow for a longer stay when entering Canada in the second year.

                          Is there a waiting period for Super Visa Insurance?

                          Since the insurance must be purchased before landing and the purchase certificate is required for the super visa application, there is no waiting period for coverage.

                          Can the Super Visa Insurance be cancelled?

                          You can cancel or change the insurance by providing the refusal letter from the embassy. If the embassy refuses to sign the super visa, the insurance will be refunded in full without any handling fees.

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                          picture of insurance policy


                          Visitor to Canada Claims FAQ

                          Find out more about claims when visitor to Canada that are not covered by the Canadian Health Care system. We compile some FAQ but please consult with your insurance broker for details.
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                          Claims FAQ for Visitor to Canada Travel Insurance or Super Visa

                          Can I claim for a physical examination anytime?

                          No, insurance will decline any regular medical examination claim unless it is due to illness, physical discomfort, or accident.

                          Is it costly to be hospitalized in Canada?

                          Yes, it is very costly. The average daily cost of a general ward is about three thousand Canadian dollars, and the price of an intensive care unit is more than double.

                          Am I covered for minor illnesses such as colds and fevers?

                          Yes, you are covered.

                          Am I covered by a Dental Hygienist?

                          No, any claims that are not caused by accident or illness will be declined. However, insurance will cover it if a dental hygienist is needed after an accident or injury to the mouth. Note that if it is caused by a car accident, your car insurance should cover this as travel is considered secondary coverage.

                          Are dental fillings and root canal treatments covered?

                          No, they are not covered. In dentistry, only accidental injuries and emergency toothaches are reserved for coverage.

                          If I go to the pharmacy to buy medicine when I am sick, is the medical insurance covered?

                          No, if you don't have a doctor's prescription, the company will not cover it if you buy an over-the-counter drug. Only medicines prescribed by doctors are insured. However, most insurance companies have caps on drug costs.

                          How much will the drug insurance company cover?

                          Most companies guarantee a 30-day drug dosage if it is only outpatient treatment, but the upper limit of the cost varies from 500 Canadian dollars to 10,000 Canadian dollars. In hospitalization, the cost of medicine is included in the hospitalization fee, and there is no upper limit.

                          I have diabetes, and my condition has been stable in recent years. If I get diabetes medicine in Canada, will insurance cover this?

                          No, prescribed medicine intended to control and stabilize existing conditions is not considered an accident, so it will not be covered by the insurance.

                          I have a chronic disease, but it is stable. After arriving in Canada, I want to go for a chronic disease checkup occasionally, but does insurance cover it?

                          No, in this case, the insurance will not cover it. It will only be reimbursed if an emergency accident requires an inspection.

                          I have stable chronic diseases (such as high blood pressure and diabetes), but they worsen in Canada. Will insurance cover this?

                          If it is an emergency, insurance will reimburse any hospital emergency costs. If the doctor prescribes a new drug, it will also cover the medication. However, if the dosage and the prescription drug remain the same, insurance will not cover it.

                          Where can I see a doctor if I get sick in Canada?

                          If it is not an emergency, you can go to a walk-in clinic or see a family doctor, or you can see a specialist. If it is an emergency, go directly to the hospital's emergency department.

                          Should I go to the clinic or go to the hospital?

                          The waiting time is very long when going to the hospital's emergency department, with a wait of up to 7 to 8 hours. Therefore, if it is only a minor illness, it is recommended to go to the clinic first.

                          Should I pay for the medical treatment first?

                          If you go to the clinic to see a doctor or an outpatient clinic, you need to pay all expenses yourself and then send the relevant receipts and other documents to the insurance company for compensation. However, if it is a relatively large-scale situation such as hospitalization, you need to call the company first and do not need to pay in advance.

                          Will insurance cover CT, MRI, Ultrasound, physical therapy, and other large-scale examinations and treatment items?

                          If the doctor requires this type of examination, you need to contact the insurance company to obtain approval and a claim number before the examination.

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                          plane take off


                          Exploring Visitor to Canada Travel Insurance

                          Insurance is all about contract, you need to check what is offered on coverage and most are provided on the declaration of insurance, a document that are provided to insured when payment is made. You need to talk to adjuster for what is covered or what is in the exclusion section of the declaration when claim. 

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                          Refund, Claims and Renewals FAQ

                          Can the policy be refunded in full without conditions?

                          In most cases, if you cancel before the policy takes effect, you can get a full refund without handling fees. Some companies may require a small handling fee. If you cancel after the policy's effective date with no claims made, you will receive a refund for the remaining coverage days, minus a handling fee.

                          If the status of Visa changes, will insurance be refunded?

                          If your visa status changes, such as becoming a new immigrant, you can receive a refund for the remaining premiums after deducting the handling fees. A government document proving the change in your insured status is required.

                          Will I get a refund on the remaining premium if I leave Canada early?

                          Yes, if you leave Canada early and have unused coverage, you can receive a refund for the remaining premiums. However, a handling fee may apply, and proof of departure, such as a boarding pass, may be required.

                          Can the travel insurance be suspended and continued when I return next year?

                          Insurance cannot be suspended, but you can cancel it. If there are no claims, you can receive a refund for the balance and reapply for insurance the following year.

                          Can I get a refund if my passport has no stamp as proof?

                          If your passport does not have an entry-exit stamp, you can print out the entry and exit record certificate for free from a self-service printer near the self-service customs clearance area. Keeping the boarding pass is also necessary for proof.

                          What is the process of surrendering premiums?

                          If you want to terminate the insurance early, the insurance company will refund the balance to you either by cheque or credit card.

                          How does insurance settle claims?

                          Claims can be settled in two ways. The first is by paying in advance and providing medical records and receipts to the insurance company. The second is through direct communication between the insured and the insurance company, especially for larger claim amounts.

                          Who will settle the claim? Is it an insurance company?

                          Claims can be made directly to the insurance company or through an insurance broker.

                          Is there a time limit for claim settlement?

                          Yes, each company has its own time limit for claim settlement. It is best to consult with an insurance broker or the insurance company directly.

                          What materials should be prepared for claim settlement?

                          The required documents for claim settlement usually include a completed claim application form, receipts (some companies require the original), original medical expenses, and a doctor's diagnosis certificate (some companies require the doctor's signature). Additional documents may be needed for accidents or specific situations.

                          How long will it take to receive the check for claims?

                          If all the required materials are ready, most claims can be processed within eight weeks. It is advisable to consult with an insurance broker or the insurance company for specific timelines.

                          Is it easy to renew and extend insurance?

                          Renewing insurance is generally easy if no claims have been made in the previous policy. However, if a claim has been settled or if pre-existing conditions are unstable, getting coverage for renewal may be challenging.

                          Will it be more expensive to renew insurance?

                          If there is a change in age group, such as moving from 61-65 to 66-70, the price of insurance may be higher.

                          Can I increase or decrease the insurance coverage after renewing the insurance?

                          Yes, it is possible to increase or decrease the insurance coverage after renewing. However, there may be a waiting period for increasing the sum assured.
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