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Visitors to Canada Emergency Medical Insurance Plans (Essential and Premier)

Underwritten by Old Republic Insurance Company of Canada 

 

Get your free online quote for Visitors to Canada medical insurance: click on the link below and you will be redirected to the Travelance secure website. You will also have an option to buy and get your instant policy on your email directly from the insurance company. You can choose from two plans: low-cost Essential (no coverage for pre-existing conditions) and Premier (coverage for pre-existing medical conditions included).

 

 

For assistance and to buy a policy over-the-phone,  please call at

1-877-443-0101  416-493-0101

What's on This Page

  Policy Wording (Essential Plan)

  Policy Wording (Premier Plan)

  Key Features

  Summary of Medical Coverage

 Pre-Existing Medical Condition &

      Other Exclusions

  Rates

 What to do if you get sick or injured

Who can apply? Visitors, Parent & Grandparents visiting Canada on super visa, Landed immigrants or returning Canadians waiting for Government Health Insurance Plan coverage.

This insurance policy meets all requirements for parent & grandparent super visa if amount of coverage purchased is $100,000 or greater and period of coverage is one year.

 

What coverage will you have?

Eligibility. All of the following restrictions apply:

1) You must not have a Medical Condition for which a Physician has advised You against travel prior to Your Period of Coverage.

2) You must be over 14 days old and under 85 years of age during the entire Period of Coverage.

3) You must not be eligible for benefits under any Canadian federal, provincial or territorial government health insurance plan.

4) Prior to Your Period of Coverage:

a) You have not been diagnosed with a Terminal Sickness;

b) You have never been diagnosed with or received Treatment for:

- congestive heart failure;

- Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV);

- Alzheimerís or any type of dementia;

- pancreatic or liver cancer, or any type of metastasized cancer; or

- a condition requiring a bone marrow or organ transplant.

c) You do not reside in a nursing home, assisted living home, convalescent home, hospice or  rehabilitation centre;

d) You do not require any assistance with Normal Daily Activities. This does not apply to children under 12 year of age.

5) In the 12 months immediately prior to your Period of Coverage, you have not been diagnosed with or received treatment for:

a) a lung condition requiring the use of home oxygen;

b) a kidney condition requiring dialysis.

6) At time of purchase of this Policy, You have no knowledge of the need to require any medical Treatment during Your Period of Coverage.

 

Age. The applicant has to be over 14 days old and not more than 84 years old during the entire Period of Coverage

 

Amount of coverage.

Ages 14 days to under 70 years of age during the entire Period of Coverage may purchase Plan Limits of $25,000, $50,000, $100,000 and $300,000;

Ages 70 to under 85 years of age during the entire Period of Coverage may only purchase Plan Limits of $25,000, $50,000 or $100,000.

 

Deductibles. This insurance has no deductible. However, the Insured can choose to add one of four deductible options $100, $250, $500, $5,000, $10,000 (Premier plan only)  and receive a discount of 10%, 15%, 20%, 30%, 45% on the premium respectively.

 

Waiting period

a) If your Start Date is Your Departure Date, no waiting period applies and  you must arrive in Canada within 48 hours from the time you leave your home country.

If You are scheduled to arrive in Canada more than 48 hours after You leave Your Home Country, coverage only begins on the date and time You arrive in Canada

b) If your Start Date is after your Departure Date, the following waiting period apply:

- 24 hours for an Injury;

- 48 hours for a Sickness if Your Start Date is within 30 days of Your Departure Date;

- 48 hours for a Sickness if You are continuing coverage from an existing policy with no gap in coverage;

- 7 days for a Sickness if Your Start Date is more than 30 days from Your Departure

If You become sick or injured during this period of time, Your Policy will not cover any expenses resulting from or related to this condition even if the Waiting Period is over.

 

Family Rates

Apply to individuals or couples travelling with at least one unmarried dependent child or grandchild:

a) under the age of 21;

b) under 26 if a full-time student, or;

c) of any age if mentally or physically disabled.

The premium for family coverage is calculated at two times the premium for the eldest adult.

 

Refund of Premium

1) You may cancel this Policy within 10 days of purchase for a full refund, provided it is prior to your Period of Coverage.

2) For other than ď1)Ē above, a refund for unused days will be allowed provided that you have not incurred a claim under this Policy.

The following administration fees will be deducted from your refund if you:

a) cancel your policy due to a denial of your travel visa (no fee will be deducted);

b) cancel your Policy before you leave your Home Country for other than ďa)Ē above ($250 fee will be deducted);

c) cancel your Policy before your Expiry Date to return to your Home Country or you become insured under Canadian federal, provincial health/medical plan ($50 fee will be deducted); or

d) cancel your Policy and decide to stay in Canada ($250 fee will be deducted).

 

Date Changes after the effective date

Any requests for a date change after the effective date of the policy other than an extension of your Period of Coverage may incur an administration fee of $50.

 

Travel Worldwide (Side Trips)

Side trips are covered as long as each side trip begins in Canada and is no more than 45 days in duration. At the time of any claim outside of Canada, the accumulated stay in Canada during the Period of Coverage must be more than 50% of the accumulated coverage days under this Policy. Side trips cannot be to the insuredís country of permanent residence.

 

MEDICAL AND HOSPITAL BENEFITS

Emergency means an unforeseen Sickness or Injury that requires immediate Treatment to prevent or alleviate existing danger to life or health.

 Benefits

 Essential Plan

 Premier Plan

 EMERGENCY HOSPITAL : semi-private accommodation where available

Yes

Yes

EMERGENCY MEDICAL :

a) The services of a Physician, surgeon or in-Hospital duty nurse;

Yes

Yes

b) Transportation furnished by a professional ambulance company to and from a Hospital

Yes

Yes

c) Diagnostic testing including but not limited to sonograms, electrocardiograms, computerized axial tomography (CAT scan) and magnetic resonance imaging (MRI).

All diagnostic tests must be authorized in advance by the insurer.

Yes

Yes

d) Medical equipment purchased or rented for therapeutic purposes subject to prior approval by the insurer;

Yes

Yes

e) Prescription medications  up to a 30 day supply of this prescribed medication

up to  $1,000

up to  $5,000

f) Follow-up visits, subject to prior approval by the insurer

-

up to 3 follow-up visits, max $3,000.

g) Emergency Paramedical Services Due To Injury: acupressurist, acupuncturist,  chiropractor, chiropodist, naturopath, physiotherapist, osteopath or podiatrist  

-

up to $500 per practitioner

EMERGENCY RETURN HOME

If you have a medical Emergency, the Company, in consultation with its medical advisors, the Emergency Assistance Provider and the local attending Physician, may determine that You should be transported back to Your Home Country for continued Treatment

up to the maximum benefit amount

 

up to the maximum benefit amount

ACCIDENTAL DENTAL

for repair of natural or permanently  attached artificial teeth which are damaged by an Accidental Injury to the head or mouth

Up to $2,000

Up to $4,000

DENTAL EMERGENCIES

to relieve acute pain and suffering not related to an Accidental Injury.

 

Up to $300

 

Up to $500

REPATRIATION OF REMAINS

$5,000

$16,000

CREMATIN/BURIAL AT DESTINATION

$3,000

$6,000

IDENTIFICATION OF REMAINS

Round-trip Air + $450 Expenses

Round-trip Air+ $450 Expenses

Round-trip Air + $450 Expenses

VISIT TO BEDSIDE

-

Airfare $3,000 + $1,000 Expenses

ACCOMMODATION & MEALS

-

$150/day, maximum $1,500

RETURN/ESCORT OF DEPENDET CHILDREN

-

$3,000

HOSPITAL STAY ALLOWANCE

-

$50/day,
up to $500

RETURN OF BAGGAGE & PERSONAL EFFECTS

-

$500

ACCIDENTAL DEATH & DISMEMBERMENT

Up to the aggregate limit selected at the time of application for accidental loss of life, limb, or sight.

-

$25,000; $50,000; $100,000; or $300,000 (Depends on the plan limit chosen)

WAIVED DEDUCTIBLE

-

First $1,000 deductible waived when hospitalized consecutive 72 hours

COVERAGE FOR PRE-EXSITING MEDICAL CONDITIONS

no coverage click here

 

Exclusions and limitations.

Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.

There is no coverage and no benefits will be payable for claims presented under this section resulting from:

1. Pre-Existing Conditions or related Medical Conditions as follows:

a) For ages 69 and under on the Start Date, any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 180 day period immediately prior to Your Start Date.

b) For ages 70 to 79 on the Start Date:

-  any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 180 day period immediately prior to Your Start Date; and, 

-  any of the following Pre-existing Conditions that were present on Your Start Date:

▪ Any heart condition including but not limited to heart attack, angina, arrhythmia or cardiac surgery;

▪ Any brain condition including but not limited to stroke, transient ischemic attack (TIA), mini-stroke, aneurysm or seizure;

▪ Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD), asthma, chronic bronchitis or emphysema.

c) For ages 80 and over on the Start Date, any Pre-Existing Condition or Medical Condition that was present on Your Start Date.

Stable and Controlled means the Medical Condition is not worsening and there has been no alteration in any medication for the condition or its usage or dosage, nor any Treatment, prescribed or recommended by a Physician or received within the time period specified in this Policy, prior to Your Start Date. 

 

Some Other Exclusions

a) The cost of replenishing any medication that was in use on Your Departure Date or for the maintenance of any course of Treatment that commenced prior to Your date of arrival in Canada.

b) Your mental, emotional or nervous disorders resulting from any cause, including but not limited to anxiety or depression.

c) Pregnancy, childbirth, complications of pregnancy or childbirth, or voluntarily induced abortion; or a child born during Your Period of Coverage. 

d) Recurrence of a Medical Condition or subsequent Emergency Treatment or hospitalization for a Medical Condition or related Medical Conditions for which You had received Emergency Treatment during Your Period of Coverage.

e) Your participation in organized professional sporting activities; driving a motorcycle, moped, or scooter (unless You hold an applicable valid Canadian driverís license); Your riding, driving or participating in races of speed or endurance.

 

Note: This is a summary of benefits. For the full details of coverage, eligibility, exclusions, limitations and claims procedures, please refer to the Policy Wording or call us for consultation.

 


If you have questions about this insurance coverage, or need help to complete the application, or want to buy insurance over the phone, please call Natalia at 416-493-0101 (or 1-877-443-0101) or click here to ask your question online.

 

What to do if you get sick or injured.

Have Your Policy number or confirmation of coverage with you at all times. Contact the Travelance assistance provider at the telephone numbers listed below. Access is available 24 hours per day, 365 days per year at the following numbers. If you cannot successfully place a collect call to the Emergency Assistance Provider as instructed below, please dial direct and submit the charges incurred to make the call along with your claim documents.

USA & Canada   1-800-334-7787

Elsewhere Operator Assisted Collect   905-667-0587

Direct Dial   1-905-667-0587

Email: assistance@oldrepublicgroup.com

When contacting the Travelance assistance provider, please provide Your name, Your policy number, Your location and the nature of the Emergency.

Important Notice regarding claim procedure !

You, or someone on your behalf, are required to immediately contact the Emergency Assistance Provider at the telephone numbers above before admission to Hospital or within 24 hours after a life or organ threatening Emergency. Failure to do so will result in you being responsible for 20% of any eligible expenses incurred.

All diagnostic laboratory procedures, x-rays, surgeries, and rental or purchase of therapeutic supplies must be pre-approved by the insurer. 

Consult the claim guideline on your Policy Wording.

 

 

Investments:    RESP     RRSP     TFSA     Segregated Funds

Revised: June 16, 2017