Frequently Asked Questions


Why do I need Wait List Insurance?
Long waiting lists in the health care system have caused Canadians to suffer many hardships; worry, anxiety, stress, pain, deterioration of health, loss of work and income, and the resulting negative effects on concerned family and friends. Wait List Insurance helps you by providing rapid access to top quality medical care.

How does it work?
If a physician recommends a covered diagnostic procedure, consultation with a specialist or surgery and you are placed on a medical waiting list more than 45 days long, the insurer will arrange to expedite your diagnosis and treatment in the United States or, in Canada when services are available.

Do I have to wait 45 days before treatment begins?
No. Call us right away. Once services are approved we will expedite your treatment immediately. You do not have to wait 45 days for treatment to begin.

Does the plan cover my travel expenses?
Approved travel expenses can be covered for diagnostics and medical procedures, and may also include approved companion travel expenses. Travel expenses to see a Specialist are not covered.

Is this plan available through an employer group benefit plan?
Yes, this program is also available as a group product for businesses with 2 or more employees. This includes sole proprietors, partnerships, unions, corporations or professional corporations.

How much coverage does the plan provide?
This policy has a lifetime maximum of $1,000,000 per individual.

Will my premium increase if I make a claim?
No. Wait List Insurance premiums are rated according to your age and the type of coverage you choose e.g., single, couple, single with children or family.

Are there any co-payments or deductibles?
No. Payment of your monthly premium is all that is required. All claims are settled on your behalf directly with the service provider.

I have a pre-existing condition. Does this exclude my participation in the program?
No. Any conditions that you have suffered within the 2-year period prior to taking out the policy will automatically be waived after your policy has been in effect for 24 consecutive months.

Will I need a medical exam?
No medical exam is required. Simply complete the application form.

Who can purchase this coverage?
Enrolment is currently available to age 74, with coverage to age 75. Additionally, groups with 20 or more participants may apply to cover retired employees.

Does this plan replace my current provincial health plan?
No. Wait List Insurance was designed the assist the public health care system by providing supplementary coverage to the provincial health plan.

Will this plan cover me while I am abroad?
The policy covers you while you are a resident of Canada and placed on a Canadian medical wait list. For medical coverage when abroad, we can help you find a separate travel insurance policy.

Does Wait List Insurance comply with federal and provincial health acts, including the Canada Health Act?
Yes, this plan complies with all federal and provincial regulations.

Are there any exclusions to coverage?
Yes. In common with all insurance policies, there are certain exclusions and limitations. For a complete list of exclusions please consult the policy.

What's Covered?
Over 135 Conditions, & over 500 Diagnostic Treatments including over 20 MRI & CT Scans... and over 25 Endoscopic Exams for the Early Detection of Cancer

Wait List Insurance offers coverage for diagnostics and procedures that have long wait lists in the public system. For example, if you find yourself in need of an MRI, CT Scan, Cataract Surgery, or Heart By-pass, this coverage will ensure that you are treated within days, not weeks or months.

Dynamic Coverage
As excellence in medical and diagnostic expertise improves, so does this coverage. The latest advancements are incorporated in this plan, providing you with an exceptional health care experience.

Pre-Existing Conditions Covered
Pre-existing conditions that you have suffered within the 2-year period prior to taking out the policy will automatically be waived after your policy has been in effect for 24 consecutive months.




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