View All Visitors Insurance Plans

Provider

Benefits

Limitations

TuGo 
(former Travel Underwriters)


Benefits, Exclusions,
Claims and FAQ

Policy PDF

  - 24 hours Assistance Center
  - Ambulance transportation
  - Hospital 
(Semi-private) and includes up to 3 follow up visits within 14 days
 - Diagnostic (Lab tests; X-ray)
 - Physician and surgeon
  - Prescription Drugs - 
30 day supply
 - Accidental Dental - $4,000
 - Emergency Dental - $500
 - Funeral: $10,000 to return home or $4,000 for burial at the place of death
 - Emergency air transportation.
 - Traveling companion - $1,000
 - Accidental Death and Dismemberment $25,000
 - Holiday Package include: Trip cancellation/interruption; Air flight/Common care accident; Baggage

 - Age and Periods: Up to age 89 for maximum of 365 days policy period
- Deductible: $150 per claim. Add 15% for $0 deductible option
- Waiting Period for Illness:
- first 48 hours if purchased before or within 60 days after the arrival date in Canada
- 7 days waiting after 60 days in Canada
- No waiting for accidental injury
- Pre-existing medical conditions - Lifetime look back
- No coverage for recurrence or complication of already claimed medical condition.
- Flights to/from Canada are Excluded

Allianz (former TIC)

Benefits, Exclusions,
Claims and FAQ


Policy PDF

Claim form PDF

- 24 hours Assistance Center
  - Ambulance transportation
  - Hospital
 (Semi-private Room)
 - Diagnostic (Lab tests; X-ray)
 - Physician and surgeon
  - Prescription Drugs
 - up to $1,000 supplies
 - Accidental Dental - up to $4,000
 - Emergency Dental - up to $500
 - Funeral: $10,000 to return home 
or $4,000 for burial at the place of death
 - Emergency air transportation
  - Return home
 - up to $3,000
 - Accidental Deathand DismembermentBed-side Companion ($3,000); Up to $5,000 for follow up visits
 - Flights to/from Canada are Included
 - Stable Pre-existing medical conditionsare covered for Visitors under age of 59

 - Age - up to age 89
 - Period - maximum policy period - 365 days.
Over 59 have to complete medical questionnaire for coverage of Stable Pre-existing medical conditions
  - Extensions are available up to 2 years with TIC.
 - Deductible: $0, $100, $250, $1,000 and $3,000 per claim 
 - Waiting Period for Illness:
   - No waiting if purchased before departure from your country of origin,
   - 48 hours if purchased after arrival in Canada
   - No waiting restrictions for accidental injuries
 - Pre-existing medical conditions

ManuLife

Benefits, Exclusions,
Claims and FAQ


Policy PDF

 - 24 hours Assistance Center
  - Ambulance transportation

 - Hospital (semi-private room)
 - Diagnostic (X-ray, lab tests)
 - Physician and surgeon
  - Prescription Drugs
  - Accidental Dental
 - $4,000
 - Emergency Dental - $300
 - Funeral: $3,000 to prepare or cremate the body, plus the cost of transportation to home country, or $3,000 for burial at place of death
 - Emergency transportation; Bed-side companion
  - Child care expenses
 - $300
 - Return of dependent children
- Accident Death and Dismemberment -
$50,000 

- Age - up to 85
 - Period - maximum policy period is 365 days
  - Extensions are available
 - Deductible: $0; $75; $500 and $1,000 per claim
 - Waiting period for illness:
   - No waiting if policy is purchased before arrival
   - 48 hours if purchased within 30 days 
   - 8 days if purchased after 30 days in Canada
   - No waiting for accidental body injury
 - Pre-existing medical conditions - 180 days look back. 12 months for hospitalization
 - Plan B covers conditions that have been stable within 180 days before the effective date
 - Flights to/from Canada are Excluded

21st Century

Benefits, Exclusions,
Claims and FAQ


Policy PDF

 - 24 hours Assistance Center
  - Ambulance transportation
  - Hospital
 (ward accommodation)
 - Diagnostic (X-ray; lab tests)
 - Physician and surgeon
  - Prescription Drugs
 - $500
 - Accidental Dental - $1,000
 - Emergency Dental - $300
 - Funeral: $5,000 for preparation and transportation to your place of burial.
  - Accident Death and Dismemberment - 
$10,000
 - Stable Chronic Condition is included for Visitors under age of 85 (applicants age 60 to 85 must complete a Medical Declaration to cover SCC)
 - Flights to/from Canada are Included

- Age and Periods:
- Up to 85 for max period is 365 days
- 86 and over - max period is 180 days.
- Extensions are available
- Deductible: $0; $50; $250 per period. Age 85 and up - $500 per policy period
- The $2,500 "disappearing" deductible applies to each sickness related claim (per claim)
- Waiting Period for Illness:
- 0 days if purchased before arrival in Canada
- 72 hours if purchase within 30 days after arrival
- 7 days waiting for sickness after 30 days
- 15 days for age 86 or older and purchased after arrival
- No waiting for accidental body injury
- Pre-existing medical conditions - 180 day look back period

RSA

Benefits, Exclusions,
Claims and FAQ

Policy PDF

Claim form PDF

- 24 hours Assistance Center
- Ambulance transportation
- Hospital (ward accommodation)
- Diagnostic (Lab tests; X-ray)
- Physician
- Prescription Drugs - up to $500 supplies
- Accidental Dental - up to $3,000
- Emergency Dental - up to $500
- Funeral: $10,000 to return home or $4,000 for burial at the place of death
- Emergency air transportation
- Uninterrupted Flights to/from Canada are Included
- Stable Pre-existing medical conditions are covered for Visitors under age of 70

- Age - no age limit.
- Period - maximum policy period - 365 days.
- Deductible: $0; $100 and $1,000 per claim. Age 85 and up - $500 per claim.
- Waiting Period for Illness:
- 0 days if purchased before arrival in Canada
- 48 hours if purchase within 30 days after arrival
- 7 days waiting for sickness after 30 days
- 15 days for age 86 or older and purchased after arrival
- Pre-existing medical conditions - life time look back
- Super Visa applicants must show a document from Citizenship and Immigration Canada to receive a full or partial refund of their policy in case of not arrival or early departure from Canada.

Travel Guard

Benefits, Exclusions,
Claims and FAQ


Policy PDF

 - 24 hours Assistance Center
- Ambulance transportation
- Hospital (Semi-private Room)
- Diagnostic (Lab tests; X-ray)
- Physician and surgeon
- Prescription Drugs
- Funeral: $3,000 to return home or $2,000 for burial at the place of death
- Emergency repatriation & evacuation
PLAN 3 included: Bed-side companion; Subsistence Allowance; Emergency Dental ($250); Accidental Death and Dismemberment ($25,000)
- Stable and Controlled medical conditions are covered for Visitors under age of 50.

 - Age and Periods:
- Up to age 84 max period is 12 months with Plan 1 & 2 (Plan 3 up to age 74)
- Plan 3 is limited to 183 days for age over 75
- No coverage after 1 year stay in Canada (6 months for age 75 and older with Plan 3)
- Deductible: $50 per claim; No deductible for Plan 3 ($150,000)
- Waiting Period for Illness:
- No waiting before arrival in Canada
- 48 hours waiting for sickness after arrival
- The waiting is waved for claims from accidents
- Pre-existing medical conditions - 90 days look back between age of 0 and 50. 180 days over 50 years old
- Flights to/from Canada are Excluded

GMS

Benefits, Exclusions,
Claims and FAQ


Policy PDF

Claim form PDF

 - 24 hours Assistance Center
- Ambulance transportation
- Hospital (Semi-private room)
- Diagnostic (Lab tests; X-ray)
- Physician and surgeon
- Prescription Drugs - 30 days supply
- Accidental Dental - up to $2,000
- Emergency Dental - up to $250
- Funeral: $10,000 to return home
or $4,000 for burial at the place of death
- Emergency air transportation
- Stable and Controlled medical conditions are covered for Visitors under age of 80
- Flights to/from Canada are Included
Note: This plan is available for purchase in the provinces of Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, Prince Edward Island, Nova Scotia and Newfoundland

 - No partial refund for Annual plan for early departure from Canada.
- Age and Periods:
- 365 days maximum for up to age 80
- Deductible: $100;$500 or $1,000 per claim.
- Waiting Period for Illness
- No waiting before arrival in Canada
- 48 hours from the effective date if the policy has been purchased after your arrival in Canada
- Pre-existing medical conditions - 180 days look period for complications of existing condition
- No coverage for recurrence or complication of already claimed medical condition

  • Insurance Plan Canada Portal., 10-1200 Derry Road East Mississauga Ontario L5T 0B3
  • +1 877 495 2525
  • +1 419 833 8533
  • +1 905 670 5488
  • info@insuranceplancanada.com