$100,000 meets the stated minimum. Higher limits add protection for larger emergencies. A higher deductible generally lowers the premium but increases the amount paid out of pocket on an eligible claim.

A lump sum completes the annual premium at once. Eligible monthly arrangements can spread the cost, but terms vary and the applicant still needs acceptable proof that the policy is paid.

Coverage depends on the insurer, plan, age and stability wording. Discuss diagnoses, medication changes and recent treatment with us before choosing an option.

• If the visa is denied, refund rules depend on the insurer and policy.
• Some plans may include limited side-trip coverage, subject to their terms.
• The Super Visa can allow eligible visitors to stay for up to five years per entry.

Depending on the policy, eligible benefits can include emergency hospital and physician care, diagnostic services, ambulance transportation and return-home assistance.

Conditions must be declared. Some plans cover conditions that have remained stable for a stated period, while other plans exclude them. Eligibility varies by age and medical history.

Contact the insurer’s emergency assistance team as soon as practical. Keep policy records, medical invoices and receipts, and follow the insurer’s claim instructions.

Refunds can depend on whether travel occurred, whether a claim was made and what documents the insurer requires. Ask us to confirm the selected plan’s rules before purchase.