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Medical & Repatriation

All of our policies exceed the International Experience Canada (IEC) requirements. Our Premier policy covers you for up to £10m for hospitalisation, medical and repatriation expenses; up to £5m for our standard policy; and up to £2m for our budget policy. All our policies also include emergency dental treatment to relieve pain and suffering (limited to £350).

Winter Sports

We have 4 different options for our winter sports add-on. You can include cover for 14, 28 or 56 days of consecutive or non-consecutive winter sports activities, or you can include cover for the entire duration of your policy with our Unlimited add-on.

Free Home Visits

If you feel homesick at any time, so long as your policy duration is more than 4 months, you can pop home to see family and friends at any time, however many times you choose. Covers stops as soon as you arrive home and starts again as soon as you depart.

Early Return Refund

Decide Canada’s not for you, and want to return earlier than your full period of insurance? Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.

Easy to Re-new or Extend

Big Cat allows you to re-new or extend your travel insurance whether you are at home or abroad. It doesn't matter if you are already travelling you can buy or re-new your policy from anywhere in the world via online access to our system.

No Return Ticket Required

Unlike most other Insurers we don't require you purchase a return airline ticket. Our IEC policy allows stays for up to 2 years, so presenting IEC insurance for 2 years at the Canadian border on entry means that you can receive the maximum 2 year visa. Show up with just 6 months insurance and you'll only get a visa for 6 months!


Up to £10m Medical
Cover


No return ticket required


24 hour Emergency
Helpline


Claim while still
travelling

IEC Travel Insurance

For British citizens aged between 18 and 30 years you can travel to Canada for a working holiday under the IEC visa programme. This will allow you to find temporary paid employment to help pay for your trip (up to 24 months). That means, for example, you could work in a ski resort in Banff, a restaurant in Quebec, or gain work experience at a business in Toronto.

IEC CanadaHowever a strict requirement for those visiting Canada on an IEC visa is that you must have medical insurance for the entire duration of your stay. You may need to present evidence of this insurance to the border services officer on arrival in Canada otherwise you might not be admitted into the country. The IEC insurance needs to cover you for hospitalisation, health care and (if necessary) repatriation to your home country. Remember, you must ensure that your IEC insurance policy covers the entire period of your stay in Canada, otherwise your work permit will expire at the same time as your insurance.

 

Key Features of the Big Cat IEC Travel Insurance :

  • Emergency Medical and Repatriation Expenses up to £10 million.
  • Emergency Dental Cover up to £350.
  • Cover duration of up to 2 years.
  • Baggage Cover.
  • Gadgets & Valuables Cover.
  • Free Home visits.
  • Policy Extensions whilst still travelling.
  • 180+ Sports and Activities.
  • You can claim whilst Travelling.
  • Winter Sports Cover.
  • Passports & Visas.
  • 14 days cooling-off period
  • EARLY RETURN REFUND

Frequently Asked Questions:

Home visits are allowed if your policy duration is 4 months or more. There are no limits, you can come home as many times as you like, for as long as you like.

You do not need to call the medical screening helpline in respect of the following automatically covered pre-existing medical conditions, as they are automatically covered at no additional premium provided you do not also have a pre-existing medical condition. If you have a pre-existing medical condition in addition to any of the following automatically covered pre-existing medical conditions all conditions will be excluded from cover, unless disclosed to the medical screening helpline and additional cover agreed in writing.

Acne,
ADHD,
Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years,
Allergic rhinitis,
Arthritis (the affected person must be able to walk independently at home without using mobility aids),
Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),

Blindness or partial sightedness,

Carpal tunnel syndrome,
Cataracts,
Chicken pox – if completely resolved,
Common cold or flu,
Cuts and abrasions that are not self-inflicted and require no further treatment,
Cystitis – provided there is no on-going treatment,

Deafness,
Diabetes (which is controlled by diet or tablets only),
Diarrhoea and vomiting – if completely resolved,

Eczema,
Enlarged prostate – benign only,
Essential tremor,

Glaucoma,
Gout,

Haemorrhoids,
Hay fever,

Ligament or tendon injury – provided you are not currently being treated,

Macular degeneration,
Menopause,
Migraine – provided there are no on-going investigations,

Nasal polyps,

PMT,

RSI, Sinusitis – provided there is no on-going treatment,

Skin or wound infections that have completely resolved with no current treatment,

Tinnitus,

Under active Thyroid (Hypothyroidism),
Urticaria,

Varicose veins in the legs.

 

To declare any pre existing medical conditions not listed above, please contact our medical screening helpline on 01702 427 237.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

Decide Canada’s not for you, and want to return earlier than your full period of insurance?

Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.

 

How does the EARLY RETURN REFUND work?

Let’s say you buy a 24 month policy to cover your time in Canada. But after nine months, you decide that Canada’s not for you, and you want to return home. You may have invested a substantial amount for your 24 month Big Cat policy, most of which you’ll now no longer need. Unlike most insurers, Big Cat is happy to offer you a partial refund on the redundant portion of your insurance as a fair’s fair consolation.

 

How does Big Cat calculate the amount of EARLY RETURN REFUND?

We take the length of time of the original policy and subtract the actual amount of time you have used, and pay out the difference, deducting a £50 Cancellation Charge.

 

Are there other conditions that apply to my EARLY RETURN REFUND?

  1. We are not able to offer refunds to cover the first 6 months of the policy.
  2. No refund can be given on a policy where a claim has been made prior to the cancellation of your Big Cat  policy.
  3. You must be back in your home country and notify us by email of your wish to cancel the policy within 14 days of your arrival.

 

Can you give an example of how much I could receive back in my EARLY RETURN REFUND?

Say you took out a 24 month budget IEC policy costing £457.50, then you wish to cancel the policy after 9 months. Our 9 month policy costs £242.89. So we deduct £242.89 from £457.50 = £214.61.

Then we apply the £50 Cancellation Charge, refunding you a total of £164.61.

If you get sick while travelling or you're seriously injured you are covered for emergency medical treatment including:

  • Hospitalisation
  • Ambulance costs
  • Surgery and follow up treatment
  • Visits to the Doctor
  • Repatriation
  • Prescribed Medicine
  • Emergency dental treatment to relieve pain and suffering (limited to £350)

24hrs Medical Emergency Assistance.

 

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388) is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2018 Big Cat Travel Insurance Services.  All rights reserved.