Are flights to/from Canada covered?

Allianz – covered

Coverage starts on the effective date and ends on the expiry date.
Effective date means the later of:
a) the date and time the completed application is accepted by Allianz Global Assistance or its representative; or
b) the date indicated as the effective date on your confirmation of coverage; or
c) the first time you exit your country of origin.
If you purchase your policy after you have exited your country of origin, any sickness that manifests itself during the first 48 hours after the effective date is not covered even if related expenses are incurred after the 48-hour waiting period.
Expiry date means the earlier of:
a) the date indicated as the expiry date on your confirmation of coverage; or
b) the date you become eligible for coverage under a Canadian government insurance health plan.

Manulife – covered

Your coverage starts on the later of:
• the effective date of insurance as shown on your confirmation; or
• the time and date you arrive in Canada from home. Except for losses resulting from any injury, coverage will begin 48 hours after the effective date if you purchase your policy:
• after the expiry date of an existing Manulife policy; or
• after you leave home.
When coverage is purchased prior to leaving home with an effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight can include a stop-over provided you do not leave the airport.
Your coverage ends on the earliest of the following:
• each time you leave Canada to return home;
• when your policy expires as shown in your confirmation;
• when you become a resident of a nursing home, home for the aged, or other long-term care facility during your trip;
• no more than 365 days after your effective date of insurance; or
• the first day you become insured under a government health insurance plan. EXCEPTION: If you are a visitor to Canada with an IEC work permit, this policy will continue to provide eligible benefits that are not covered by your government health insurance plan.
At no additional premium, coverage is included up to the date and time you arrive home following an uninterrupted flight from Canada directly home, with no intention to return to Canada during your period of coverage under this insurance. An uninterrupted flight can include a stop-over provided you do not leave the airport.

Destination Canada – covered

Effective date means the date and time coverage starts. Coverage begins on the latest of the following:
a) the date and time the completed application and premium are accepted by The Destination: Travel Group Inc. or its agent/broker; or
b) the date indicated as the effective date in your confirmation of coverage; or
c) the date and time you exit your country of origin.
Expiry date means the date and time coverage ends. Coverage ends on the earlier of the following:
a) the date indicated as the expiry date in your confirmation of coverage.
b) the date you become eligible for coverage under a Canadian Government Health Insurance Plan (GHIP).

TuGo – covered

Coverage commences on the effective date of the Policy as indicated on your Policy declaration, which must be on or after the application date of the Policy. The effective date can be either:
a) The date you leave your country of permanent residence for direct travel to Canada (direct travel includes stopovers and layovers), provided travel to Canada does not exceed 48 hours; or,
b) The date you arrive in Canada; or,
c) Any date after you arrive in Canada.
Coverage is also subject to the waiting period requirements.
Coverage terminates on the earliest of:
1. 11:59 PM on the expiry date of the Policy; or,
2. On the date and time you return permanently to your country of permanent residence; or,
3. On the date and time you become insured under a provincial or territorial government health care plan; or,
4. On the date and time you are no longer a visitor to Canada, international student studying in Canada or foreign worker, with valid legal status in Canada.

21st Century – covered

Coverage starts on the effective date and ends on the expiry date.
Effective date means the latest of:
a) the time and date you apply for this insurance;
b) 12:01 AM on the effective date as shown on your policy confirmation; or
c) your arrival date.
When coverage is purchased prior to leaving your country of origin with an effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight shall include a stop-over provided you do not leave the airport.
Expiry date means the earliest of:
a) 11:59 PM on the expiry date indicated on your policy confirmation;
b) 11:59 PM on an earlier date calculated by us due to an incorrect or insufficient or lapsed premium payment;
c) the date and time you leave Canada (or such other country as permitted under the “Side-Trips Outside of Canada” provision); or
d) the date 21st Century receives proof that you are eligible and covered under a GHIP. NOTE: until acceptable proof of coverage under a GHIP is received, this policy will continue to provide eligible benefits that are not covered by your GHIP.
At no additional premium, coverage will be provided during an uninterrupted flight from Canada directly to your country of origin. An uninterrupted flight shall include a stop-over provided you do not leave the airport.

Blue Cross – NOT covered

If you purchased the contract before your arrival in Canada the coverage becomes effective at the latest of the following dates:
• The effective date of the contract indicated on your insurance certificate, or
• The date of arrival in Canada from your country of permanent residence, or
• The day following the termination date of an insurance coverage in Canada similar to Blue Cross that you hold with another insurance company.

GMS – covered

Coverage will be provided while you are in transit between Canada and your country of origin for a period of no more than 48 hours after your initial departure for no additional premium
Automatic Policy Extensions
Your Immigrants & Visitors to Canada plan coverage will automatically be extended at no additional cost in certain situations. The extended coverage is payable up to your policy dollar limit under these conditions:
1. If coverage expires while hospitalized due to a medical emergency, coverage will continue for you, your spouse and any dependants travelling with you and are listed on your application during your hospitalization and for up to 72 hours after discharge from hospital.
2. During your transit to Canada from your country of origin provided you:
a. purchased your coverage prior to departing your country of origin; and
b. arrive in Canada within 48 hours of departing your country of origin.
3. During your transit from Canada to your country of origin provided you;
a. have coverage on the day you depart from Canada; and
b. arrive in your country of origin within 48 hours of departing Canada.
Coverage under 2. and 3. above is subject to proof of travel and compliance with the conditions set out under the Policy Changes section.