THE GREATEST RISK IN HEALTHCARE ISN’T THE ILLNESS – IT’S THE WAITLIST!
At IMI Canada, we anticipate these delays, uncover hidden risks, and build protection plans that ensure you’re never left waiting when it matters most. Our consulting first approach bridges the gap between public healthcare delays and private solutions — giving you back the control, access, and peace of mind you deserve.
OFF THE WAITLIST: A PRACTICAL Strategy FOR CANADIANS WHO CAN’T AFFORD TO WAIT
The book reveals why delays happen and shows how proactive planning can protect your time, health, and financial security.
STRATEGY
Strategy is where it all begins.
At IMI Canada, we use a comprehensive healthcare access planning framework built to anticipate risks long before they become problems.
We start by mapping how delays could affect your health, your time, and your financial security. From there, we design a proactive roadmap that considers every available option — insured and otherwise — to create a plan that fits your needs and priorities.
It’s more than choosing a product; it’s applying strategy, expertise, and foresight to ensure life keeps moving forward — no matter how long the wait.
solution
When it comes to protecting against healthcare delays, there’s never one solution for everyone.
Each client’s situation is unique — which is why our process begins with a full assessment and considers every available product on the market when designing a healthcare access plan.
That said, one product has become a cornerstone of our strategy. When it comes to protecting against healthcare delays, International Medical Insurance is the only coverage currently available in Canada designed specifically to bypass the waitlist.
Working within your schedule — not the public backlog — this unique protection ensures access to timely medical care when it matters most.
Rates
The Individual Plan
As part of your healthcare plan, individual private medical insurance is available to protect you, your spouse, and your children. With lifetime coverage of 5 million, and a variety of deductibles to choose from, this underwritten policy is an economical way to ensure immediate access to healthcare.
The Corporate Solution
Do you own, (or work), for a business with three or more employees? If so, considering a private medical insurance policy for the entire team is a great way to get NON-MEDICAL coverage with GUARANTEED APPROVAL. As an enhancement to your existing benefits, this policy includes 1-5 million of coverage / year, with travel, diagnostic, medication, and portability options. It’s easy to implement, tax deductible, and a great way to protect your business. As pricing is based on the number of employees, average age, and options selected, contact us today for a quote.
Affinity Markets
For professional associations looking to enhance their member-only benefits, this hybrid product provides an excellent opportunity. Taking the best from the individual and corporate plans, it provides your members with an exclusive NON-MEDICAL option, coverage of 1 million / year, with travel and enhanced diagnostics. This GUARANTEED APPROVAL product also includes individual pricing and marketing subsidies. Contact us today to discuss partnership.
HOW TO BUY INTERNATIONAL MEDICAL INSURANCE
Advisors & MGA Partners
IMI offers two ways to support industry professionals who require expertise in international medical insurance. Whether you work directly with us as your wholesale MGA or engage us as an external specialist alongside your existing MGA, both options are designed to strengthen your capabilities while keeping your client relationships fully intact.
Advisor Support
Advisors can work directly with IMI as their wholesale MGA to offer international medical insurance to their clients. We support your business by offering:
• Case consultation & suitability guidance
• Product structure, plan comparison, and funding options
• Healthcare access planning expertise
• Global care pathway insight & private provider networks
• Claims navigation support
• Tax considerations for Canadian deductibility and write-offs of private medical costs.
• Knowledge of individual, corporate, and executive plan structures
In this role, our objective it to help you deliver accurate, confident recommendations in a product category that requires specialized knowledge, with the expertise and resources required to close the sale.
MGA Collaboration
IMI works with MGAs on a contract basis as an external specialist in international medical insurance. MGAs retain their full compensation and advisor relationships — IMI simply provides the expertise they may not have in-house.
We support MGAs by offering their advisors access to:
• Specialist case consultation
• Suitability and structure guidance
• Insight into tax positioning for deductibility
• Underwriting support on complex cases claims guidance and navigation
• Expertise with complex or high-risk cases
• A broad private provider network for global and domestic access pathways
This partnership allows MGAs to expand their capabilities without adding internal overhead. IMI integrates quietly into your system as a specialist consultant, not as a competing MGA.
Why Work With IMI
IMI delivers specialized expertise in international medical insurance and healthcare access planning—support that most MGAs and advisors do not have in-house. We provide the insight, structure, and resources needed to place complex cases accurately and confidently, enhancing your existing capabilities without competing with your distribution.
For advisor or MGA inquiries: [email protected]
Advocacy
Advocating for better access — and fairer solutions.
IMI Canada supports balanced healthcare reform that recognizes the real costs Canadians face when public care is delayed.
Our current advocacy focus — Tax Fairness for Private Healthcare Access — proposes that Canadians be allowed to deduct out-of-pocket medical expenses directly from income, rather than claiming a limited non-refundable credit.
This change would modernize the tax system to reflect today’s realities and provide meaningful relief for those forced to fund essential care privately due to wait times.
Media & Publication
Ingrid Gahsner contributes regularly to national conversations about healthcare access, delayed care, and the growing financial and personal consequences of wait times in Canada’s public system. Her articles, interviews, and commentary have been featured in leading publications covering healthcare, policy, and social impact.
Smith has kept doctors and dollars in Alberta – but it doesn’t change access to care
Published in Healthy Debate, December 3, 2025
This Healthy Debate article by Ingrid Gahsner analyzes Alberta’s new dual-practice reform, clarifying what the legislation actually changes for surgeons, hospitals, and patients. The piece explains that while the policy reshapes where private care occurs and retains provincial capacity, it does not address the system bottlenecks that continue to drive long wait times.
We Can’t Afford to Wait for Health Care Any Longer
Published in Healthy Debate, November 24, 2025
This article breaks down the human and economic cost of delayed care, explaining how wait times now affect not only health outcomes but independence, family impact, and financial security. Ingrid outlines why timely access is no longer guaranteed and why Canadians must plan for delays before a medical event occurs.
60 Hours in a Hallway: Ontario’s Unfinished Promise to End Hallway Medicine
Published in JUNO News, November 15, 2025
In this widely shared feature, Ingrid examines the structural causes of hallway medicine in Ontario — including LTC bottlenecks, diagnostics delays, primary care shortages, and funding policies that force hospitals to run at full capacity. She introduces Access Risk as a growing consequence of system delays.
Exclusive: Off the Waitlist — Interview with Ingrid Gahsner
Published in JUNO News, October 27, 2025
In this interview, Ingrid speaks about the development of Access Risk, the inspiration behind Off the Waitlist, and how private medical insurance fits into a modern blended approach to healthcare access. She discusses her work with clients and why traditional planning overlooks the risk created by delayed care.
WE’RE FOCUSED ON THE SOLUTION.
IMI Canada goes beyond traditional planning.
As healthcare access and risk protection specialists, we create comprehensive strategies that anticipate delays, align the best available products and services, and deliver proactive solutions before problems arise.
Our approach blends expertise, planning, and policy awareness — ensuring your health, time, and business remain protected, no matter how long the wait.
Get in touch today to start building your healthcare access plan.