Visitors to Canada Plans
is underwritten by CUMIS General
Insurance Company, a member of
the Co-operators group of
companies, and administered by
Allianz Global Assistance
your free online quote, buy and get your instant
insurance policy online directly from the insurance provider:
click on the link below and you will be redirected to the
Allianz Global Assistance secure website.
assistance and to buy a policy
Who can apply?
This policy is designed for you, if you are:
Visitors to Canada,
Landed immigrants or returning Canadians
waiting for Government Health Insurance Plan
Super Visa applicants,
parent or grandparents visiting Canada on Super Visa.
coverage will you have?
Coverage is NOT AVAILABLE to any individual who:
a) has been
diagnosed with a terminal illness; or
b) has been
diagnosed with stage 3 or 4 cancer; or
received treatment for any cancer (other than basal or
squamous cell skin cancer or breast cancer treated only with
hormone therapy) in the past 3 months; or
requires assistance with activities of daily living as the
result of a medical condition or state of health.
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 date you exit your country
of origin, and know of no reason to seek medical
consultation during the period of coverage.
Amount of coverage
is available from $10,000
CAD up to a maximum of $300,000
This insurance has no deductible. However, the Insured can
choose to add one of four deductible options $100, $250, $1,000,
$3,000 and receive a discount of 5%, 10%, 20%, 30% on the
premium respectively. Deductibles are applied
per person per policy.
of the policy means the later of
the date indicated as the effective date
on your confirmation of coverage; OR
first time you exit your country of origin.
means the earlier of:
- the date
indicated as the expiry date on your confirmation of coverage;
- the date you
become eligible for coverage under a Canadian government health
Coverage for losses resulting from any
sickness will begin 48 hours after the effective date, if
you purchase your policy after
you exit your country of origin,
or after the expiry date of an existing
Allianz Global Assistance policy.
Any sickness that manifests itself during the 48-hour waiting
period is not covered even if related expenses are incurred
after the 48-hour waiting period.
is available. Family
includes the applicant, age
and under, the applicant's
and under, and dependent
Dependent children means
your unmarried children who
are financially dependent on
you; and at least 15 days of
age and no more than 21
years of age.
The premium for family
coverage is calculated at
two times the premium for
the eldest adult age
59 and under.
Costs incurred outside of Canada are covered
provided majority of the period of coverage is
spent in Canada. Costs incurred in your country
of origin are not covered.
- The entire
trip is cancelled prior to the
You return to
your country of origin prior to the
expiry date, without intending to return to
Canada. Refunds are not payable for time spent in
your country of origin between visits to
You become insured under a Canadian provincial or
territorial health/medical plan.
There will be no refund of premium if a
claim has been made.
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.
MEDICAL AND HOSPITAL BENEFITS
Up to the maximum aggregate limit
selected at the time of application,
including semi-private hospital accommodation
and for reasonable and customary
services and supplies necessary for your emergency care
during confinement as a resident in-patient
Emergency means a sudden, unforeseen sickness or injury occurring
during the period of coverage, which requires immediate intervention
by a physician or legally licensed dentist and cannot reasonably be
a) The emergency services of a
legally licensed physician, surgeon, or anaesthetist.
b) Follow-up visits as prescribed by
the attending physician at the time of the emergency.
c) Diagnostics, lab tests and/or
X-ray examinations as ordered by a physician for the
purpose of diagnosis.
d) The services of the following
legally licensed practitioners for treatment of a
covered sickness or injury:
ordered by the attending physician;
Not to exceed $500 per
e) Private duty services of a
Registered Nurse when approved in advance by AGA.
Not to exceed $10,000.
f) The use of a licensed local air,
land, or sea ambulance (including mountain or sea
evacuation) to the nearest hospital, when reasonable and
g) Rental of crutches or
hospital-type bed, not exceeding the purchase price; and
the cost of splints, trusses, braces or other approved
prosthetic appliances approved in advance by AGA.
h) Emergency out-patient services
provided by a hospital.
i) When not hospitalized as an
in-patient, drugs or medications that require a
prescription, not exceeding a 30-day
supply, to a maximum of $1,000.
When necessary transportation to
your country of origin when immediate medical
consultation is required due to a covered emergency
sickness or injury. Any emergency transportation such as
air ambulance, one-way economy airfare, stretcher and/or
a medical attendant must be pre-approved and arranged by
TRANSPORTATION OF FAMILY OR FRIEND
Up to $3,000 for
round-trip economy class transportation by the most
direct route, and up to $1,000 for reasonable costs
incurred after arrival by your family member or close
friend if you are hospitalized.
EMERGENCY RETURN HOME FOR YOU AND ONE
Up to $3,000 for additional cost of
one-way economy transportation by the most direct route
for you and one insured family member to your country of
origin when approved and arranged by
Allianz Global Assistance (AGA).
Your coverage under this policy ceases once you have
been returned to your country of origin under this
Accidental Dental: Up to $4,000
for repair or replacement of whole or sound natural
teeth caused by an accidental blow to the face.
Emergencies: Up to
$500 for the immediate relief of acute dental pain,
other than provided under Accidental Dental.
Treatment relating to any dental
claim must begin within 48 hours after the onset of the
emergency and must be completed within the period of
coverage and prior to your return to your country of
RETURN OF DECEASED
In the event of death, up
to $10,000 is provided to return your body home, or up
to $4,000 for cremation or burial at the place of death.
Reimbursement of up to
$150 per day to a maximum of $1,500 or up to a maximum
10 days in the event you (or your insured travelling
companion) are confined to hospital on the date on which
you are scheduled to return home.
ACCIDENTAL DEATH & DISMEMBERMENT
Up to the aggregate limit
selected at the time of application for accidental loss
of life, limb, or sight.
ACT OF TERRORISM
If you sustain a loss from
an act of terrorism that is otherwise covered under this
plan, AGA will pay up to an
aggregate limit of $2.5 million for one or a series of
such acts and up to $5 million for all such acts in a
calendar year involving all
including this policy. Terrorism from nuclear,
biological or chemical means is excluded.
Visitors to Canada
medical insurance does not cover everything.
This insurance has exclusions, conditions and
are 59 years of age or under
on the effective date:
a 90-day stability period for pre-existing conditions
For ages 60 to
79 on the effective date: the following pre-existing
conditions are not covered unless a Medical
questionnaire completed by you and approved by Allianz
Global Assistance: heart condition, stroke or
mini-stroke (TIA). Other conditions are covered if
stable in 180 days immediately before the effective
are 80 to 89 years of age on the
no coverage for pre-existing medical conditions
unless you have completed a
Medical Questionnaire and
have been approved in
Please click on
for details on this
Benefits are not payable for costs incurred due
- any treatment,
investigation or hospitalization which is a
continuation of, or subsequent to, emergency treatment of a
sickness or injury, unless approved in advance
abortion, miscarriage, childbirth or
death or injury, if at the time of the loss, death or injury,
evidence supports that the medical condition causing the
loss was in any way contributed to by:
a) your intoxication or abuse of alcohol; or
b) your use of prohibited drugs, or any other
c) your non-compliance with prescribed treatment
medical therapy; or
d) your misuse of medication.
resulting from training for or participating in:
a) motorized speed contests; or
b) stunt activities; or
c) professional sport activities; or
d) high-risk activities.
- 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, except
when such benefits are exhausted.
your travelling against the advice of a physician or any loss
resulting from your sickness or medical condition that was
diagnosed by a physician as terminal prior to the effective
date of this policy.
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 AGA.
medical consultation that is non-emergency, on-going,
or the consequence of a prior elective procedure.
- hospitalization or
services rendered in connection
with general health examinations for check-up purposes,
treatment of an on-going condition, regular care of a
chronic condition, home health care, investigative testing,
rehabilitation, or on-going care or treatment in connection
with drugs, alcohol or any other substance abuse.
Please refer to the
policy wording for a full list of exclusions
information is for illustration purpose only.
the full details of coverage, eligibility, exclusions, limitations
and claims procedures, please refer to the
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
click here to ask
your question online.
to do if you get sick or injured.
Have your policy confirmation with you at
all times. In the event of sickness or injury which may result
please call Allianz Global
Assistance at the telephone numbers
shown on your policy confirmation and
2). When contacting the
Assistance Centre, please provide your name, your policy number,
your location and the nature of your emergency.
To apply for benefits under this policy, you will need to send a
completed claim form (with all original bills attached) to
the claim procedure and to download a claim form.
Consult the claim guideline on the
Policy Wording (pg.23).
Important Notice regarding claim procedure !
You, or someone on your behalf, must notify
Assistance prior to any surgery being
performed or within 24 hours of admission to a hospital. Failure
to do so, without reasonable cause, will result in the reduction
of eligible benefit amounts payable by 20%.