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Provider
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Benefits
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Limitations
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ManuLife
Benefits, Exclusions,
Claims and FAQ
Policy PDF
Quote and Buy Direct
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- 24 hours Assistance Center
- Ambulance transportation
- Hospital (semi-private room)
- Diagnostic (X-ray, lab tests)
- Physician and surgeon
- Prescription Drugs
- Accidental Dental - $3,000
- 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
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- 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
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21st Century
Benefits, Exclusions,
Claims and FAQ
Policy PDF
Claim form PDF
Online Order
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- 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 or $1,500 for 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
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- 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
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TIC
Benefits, Exclusions,
Claims and FAQ
Policy PDF
Claim form PDF
Quote and Buy Direct
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- 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 Death and Dismemberment; Bed-side Companion ($3,000); Up to $5,000 for follow up visits
- Flights to/from Canada are Included
- Stable Pre-existing medical conditions are covered for Visitors under age of 59
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- 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
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RSA
Benefits, Exclusions,
Claims and FAQ
Policy PDF
Claim form PDF
Quote and Buy Direct
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- 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
- Flights to/from Canada are Included
- Stable Pre-existing medical conditions are covered for Visitors under age of 70
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- Age - no age limit.
- Period - maximum policy period - 365 days.
- Extensions are limited to 2 years in Canada.
- Deductible: $0; $100 and $1,000 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.
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Travel Underwriters
Benefits, Exclusions,
Claims and FAQ
Policy PDF
Quote and Buy Direct
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- 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
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- 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
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Blue Cross
Benefits, Exclusions,
Claims and FAQ
Policy PDF
Quote & Buy Online
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- 24 hours Assistance Center
- Ambulance transportation
- Hospital (Ward accommodation)
- Diagnostic (Lab tests; X-ray)
- Physician and surgeon
- Prescription Drugs
- Accidental Dental - $1,000
- Funeral: $5,000 to return home or $3,000 for burial at the place of death
- Repatriation to residence
- Return of traveling companion
- Subsistence Allowance - $1,000
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- Age and Periods:
- Up to age 79 for coverage of $100,000
- Up to age 74 for coverage of $150,000
- Deductible: No deductibles
- Waiting Period for Illness and Injury
- No waiting before arrival in Canada
- 72 hours if purchased within 30 days in Canada
- Pre-existing medical conditions:
- Under 61 - 3 months look back
- Over 61 - 6 months look back
- Flights to/from Canada are Excluded
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Travel Guard
Benefits, Exclusions,
Claims and FAQ
Policy PDF
Quote & Buy Online
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- 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.
- Flights to/from Canada are Included
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- Age and Periods:
- Up to age 59 max period is 12 months
- From age 60 to 84 maximum 183 days
- No coverage after 1 year stay in Canada (6 months for age 60 and older)
- 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
- No follow up visits are covered.
- No coverage for recurrence or complication of already claimed medical condition
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GMS
Benefits, Exclusions,
Claims and FAQ
Policy PDF
Claim form PDF
Quote & Buy Online
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- 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: $3,000 to return home
or $2,000 for burial at the place of death
- Emergency air transportation
- Stable and Controlled medical conditions are covered for Visitors under age of 80
Note: This plan is available for purchase in the provinces of Ontario, British Columbia, Alberta, Saskatchewan, Manitoba, Prince Edward Island, Nova Scotia and Newfoundland
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- 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 and Injury
- 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
- Flights to/from Canada are Excluded
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