They Thought They Didn’t Need Insurance — Until the Hospital Bill Arrived
Have you ever heard of a friend, relative, or neighbour visiting Canada and suddenly facing a medical emergency?
You probably asked, “How are they doing?”—as anyone naturally would.
But the next questions matter even more:
👉 Did they have Visitor Emergency Insurance?
👉 If yes, was their claim approved?
👉 If not, how much did the hospital bill cost?
The truth is, medical care in Canada is not free for visitors.
A single emergency room visit can cost $3,000–$5,000, and a hospital stay can exceed $10,000 per day.
That’s why visitor insurance isn’t just an option—it’s a must-have protection.
If They Had Insurance — Ask About Their Experience
If they had travel or visitor insurance, find out how their claim went:
Was the claim approved quickly or delayed? Did they receive proper guidance from their insurance advisor? Were they supported throughout the process or left on their own?
A professional, caring advisor makes all the difference when it matters most—during an emergency.
If They Didn’t Have Insurance — Learn From Their Experience
If they didn’t have insurance, ask what happened next.
Most visitors are shocked by how high the medical costs can be in Canada.
Even a short hospital visit or minor surgery can result in tens of thousands of dollars in bills.
Don’t wait to hear a story like this to realize the value of proper coverage.
Protect yourself and your family before it’s too late.
If Their Claim Was Declined — Find Out Why
Sometimes, even insured travellers face claim rejections due to misunderstanding coverage details.
Ask them:
Did they buy online or through an advisor? Did they review and understand the plan properly? Were pre-existing conditions or stability period rules explained clearly?
Buying online might seem easy, but without proper guidance, it’s easy to pick the wrong plan.
One small misunderstanding could lead to a claim denial when you need help the most.
Don’t Just Buy What Your Friend Bought
Everyone’s health, travel plans, and medical history are different.
A plan that worked well for your friend may not be the right plan for you.
Not every advisor represents every company or understands every plan.
Each insurance provider has different rules for:
Pre-existing conditions Stability periods Coverage limits Deductible options Age restrictions
That’s why you should never buy a plan just because someone else did.
Buy what’s right for your situation, with an advisor who explains everything clearly and helps you make an informed decision.
At United Life Financial, we take the time to understand your unique needs and recommend what truly fits you—not just what’s popular.
How United Life Financial Makes a Difference
At United Life Financial, we believe true service starts before and continues after you buy a policy.
We don’t just sell insurance—we build trust, clarity, and ongoing support.
Here’s what makes us different:
✅ Expert Guidance: We help you understand every detail—coverage limits, exclusions, and pre-existing condition rules.
✅ Lowest Rates Guaranteed: Travel insurance rates are identical across all providers, so you’ll never pay more with us.
✅ Personalized Advice: We help you choose the right plan that fits your health, travel, and budget.
✅ Real Human Support: During emergencies or claims, we’re always available to guide and assist you.
So why buy from a random website that disappears when you need help?
With United Life Financial, you get the same rates, better service, and peace of mind knowing someone is there for you when it matters most.
Your Safety, Our Priority
Whether you’re a visitor, a Super Visa parent, or an international student, having proper medical coverage gives you confidence and financial protection.
Because when emergencies happen, you don’t just need a policy—you need a partner who cares.
Get a Free Quote or Talk to an Expert
Protect yourself and your loved ones with the right coverage today.
📞 905-906-7000 | 📱 647-570-9070
📧 info@unitedlife.ca
