Frequently Asked Questions

What types of procedures and products does Medicard cover?
Any medical, dental, veterinary, or related procedure or item (i.e.: prosthesis).
Does it cost me anything to apply for financing or seek approval?
No. You can apply for financing or seek approval - there is no cost.
Can I repay before the end of the term?
Yes, there is no penalty for repayment. You can repay at any time.
How soon can I get approval for financing?
You can obtain approval for financing almost immediately. Many approvals are given while the patient is still at the doctor or service provider's office.
Can I borrow a portion of the amount of the procedure or purchase?
Yes, Medicard will pay directly to your doctor or service provider whatever portion you would like to borrow, be it the total cost of the procedure or purchase or a portion.
Do I have to put down a deposit to borrow?
No. It is up to you if you would like to pay your doctor or service provider a deposit. Medicard will finance the total cost of the procedure including your deposit, if required.
What if the doctor or service provider I am seeking treatment from is not registered with Medicard?
Simply inform Medicard. Medicard will contact your doctor or service provider to inform them of our services and provide them with the option to register with us.
What if I have not chosen a doctor or medical service provider, can I get pre-approved for financing?
Yes, Medicard will pre-approve your financing before you have chosen a doctor or service provider.
Can I have more than one loan with Medicard?
Yes. Each loan financed must go through the same application process to determine the ability to repay.
How long may I finance the procedure or purchase?
The term can range from 6 months, 1 year, 2 years, 3 years, 4 years, 5 years or 6 years.
If I do not have credit history can I apply with a co-signer?
Yes, you can have a co-signer whose credit history would achieve an approval and would be willing to assume liability.
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