Destination : Canada
Visitors to Canada Medical Insurance
Underwritten by: The Manufacturers Life Insurance Company (Manulife).
Claims Administration and Assistance Services provided by: Active Care Management.
Managed by: The Destination: Travel Group Inc.
Who can apply? This insurance is designed for visitors to Canada, parent & grandparents visiting Canada on super visa, foreign workers. It also protects immigrants and Canadians returning to Canada after living abroad who are awaiting provincial health plan coverage.
What coverage will you have?
Destination Canada Visitors medical health insurance pays for emergency hospital and medical care or services, if a medical condition occurs during the period of coverage.
Eligibility. Coverage is NOT AVAILABLE to any individual who:
a) has been diagnosed with a terminal illness; or
b) has Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or
c) has been prescribed or used home oxygen treatment in the last 12 months; or
d) has been diagnosed with or treated for congestive heart failure; or
e) has had a major organ transplant (heart, kidney, liver, lung), or
f) has received kidney dialysis treatment in the last 12 months, or
To be eligible for this policy you must, as of the effective date:
● be at least 15 days old and not more than 89 years old; and
● not be insured or eligible for benefits under a Canadian government health insurance plan; and
● be in good health at the time you purchase your policy and on the effective date, and know of no reason why you would attend any medical consultation during the period of coverage.
This policy does not cover any losses incurred when a diagnosis or treatment was received, prior to the effective date, for pancreatic cancer, liver cancer or any type of cancer that has metastasized (migrated to another organ from its original site).
Amount of medical coverage(Sum Insured) is available from minimum of $10,000 up to a maximum of $300,000
Choose from two plans
Option 1provides emergency medical coverage for your pre-existing medical conditions, which have been STABLE within 120 days before the effective date of the insurance.
Option 2 does not provide coverage for pre-existing medical conditions. So, you will get the cheapest affordable Visitors to Canada insurance for an unexpected unforeseen accident or sickness.
Option 1: The applicant has to be over the age of 14 days old and has not reached the age of 80 years as of the effective date.
Option 2: No age limit. However, for applicants 80-85 years of age, this option provides $10,000 and $25,000 coverage and for ages 85+, amount of coverage is $10,000.
Deductibles. This insurance has no deductible. However, the Insured can choose to add one of the following deductible options: $250, $500, $1,000, $2,500, $5,000, $10,000 and receive a discount of 10%, 15%, 20%, 30%, 35%, 40% on the premium respectively. (Minimum Premium per policy is $25.)
Effective date of the policy means the later of:
- the date indicated as the effective date on your confirmation of coverage; OR
- the first time you exit your country of origin.
Expiry date means the earlier of:
- the date and time you arrived in your country of origin; OR
- the date indicated as the expiry date on your confirmation of coverage.
Coverage for losses resulting from any
sickness will begin 48 hours after the effective date, if
you purchase your policy after
arrival in Canada, or after the expiry
date of an existing policy issued by the
Destination: Travel Group Inc.
However, if you are age 86 or older on the effective date, your waiting period is 15 days.
Family plan is available, if all family members are under 70 years of age.
Extending your trip
If you decide to extend you trip, you may apply for a new period of coverage provided you meet eligibility requirements. Each policy or period of coverage is considered a separate contract and all limitations and exclusions will apply.
Automatic Extensions to Coverage
This coverage will be automatically extended:
a. for 72 hours in the event a delayed common carrier prevents you from returning to your country of permanent residence;
b. for 5 days, if you are medically unfit to travel due to a covered sickness or injury on or before the coverage expiry date.
c. if you are hospitalized during the term of this Policy, for the period of hospital confinement plus 72 hours after release for you to travel home.
- The entire trip is cancelled prior to the effective date (full refund).
- You return to your country of origin prior to the expiry date (partial refund).
- You become insured under a Canadian provincial or territorial health/medical plan as long as you are not required to maintain coverage for work permit or other immigration purpose.
Minimum refund is $25. Partial refunds are calculated on a pro-rated basis and are subject to a $25 administration fee.
A fee of $150 may apply if cancelling a policy issued for one year.
There will be no refund of premium if a claim has been made.
Travel worldwide : Cost incurred outside of Canada are covered provided the majority of time is spent in Canada. No coverage provided while in home country.
Summary of Medical &Hospital Benefits
Exclusions and limitations. Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.
Pre-Existing Medical Condition Exclusion
This policy will not provide coverage, provide services, or pay claims for expenses incurred directly or indirectly as a result of:
a) If you are 79 years of age or under on the application date and selected Option 1 at the time of application:
Any pre-existing medical condition unless it was stable in the 120 days immediately before the effective date.
b) If you are 79 years of age or under on the application date and selected Option 2 at the time of application:
Any pre-existing medical condition.
c) If you are 80 years of age on the application date :
Any pre-existing medical condition.
Stable means a pre-existing medical condition that:
- did not require, or was not referred for any medical consultation;
- did not require a change in type or dosage of medication;
- did not exhibit any signs or symptoms.
Please Click here for details on this exclusion.
Some Other Exclusions
● Any losses incurred when a diagnosis or treatment was received, prior to the effective date, for pancreatic cancer, liver cancer or any type of cancer that has metastasized (migrated to another organ from its original site).
● Any emotional, mental or nervous disorders resulting from any cause, including but not limited to:
- Alzheimer’s disease or dementia;
- anxiety or depression;
- suicide or attempted suicide; or
- intentionally self-inflicted injury.
● Any sickness or injury when a trip is undertaken for the purpose of securing medical treatment or advice.
● Any loss, death or injury, if evidence supports that you were affected by, or the medical condition was in any way contributed to by: the use of alcohol, prohibited drugs, or any other intoxicant either before or during the period of coverage; the non-compliance with prescribed treatment or medical therapy either before or during the period of coverage; or the misuse of medication either before or during the period of coverage.
● Any medical consultation that is non-emergency, elective or the consequence of a prior elective procedure.
● Any medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy or travelling against the advice of a physician.
● Any treatment, investigation or hospitalization which is a continuation of, or subsequent to, emergency treatment of a medical condition, unless approved in advance by the Assistance Centre.
● Any treatment which can be reasonably delayed until you return to your country of origin (whether or not you intend to return) by the next available means of transportation, unless approved in advance by Allianz Global Assistance.
● Hospitalization or services rendered in connection with general health examinations for “check-up” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol or any other substance abuse.
● Injury resulting from training for or participating in:
- speed contests usually and customarily in excess of 60 km per hour;
- motor sport contests;
- stunt activities, exhibitions or demonstrations of any kind;
- professional sport activities; or
- high-risk activities.
● Any loss incurred as a result of pregnancy, abortion, miscarriage, childbirth or complications thereof
● Any sickness or injury resulting from a motor vehicle accident where you are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance.
● Any loss incurred outside of Canada when you have not spent the majority of the period of coverage in Canada.
Note: The product-related information is for illustration purpose only. For the full details of coverage, eligibility, exclusions, limitations and claims procedures, please refer to the Policy Wording.
Revised: July 31, 2019