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Saturday, October 25th, 2014

View All Visitors Insurance Plans

Provider

Benefits

Limitations

ManuLife

Benefits, Exclusions,
Claims and FAQ


Policy PDF

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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
- $4,000
 - 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
- Accident Death and Dismemberment -
$50,000 

 - 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

21st Century

Benefits, Exclusions,
Claims and FAQ


Policy PDF

Claim form PDF

Online Order

 - 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 to your place of 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

 - 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

TIC

Benefits, Exclusions,
Claims and FAQ


Policy PDF

Claim form PDF

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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

 - 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 

RSA

Benefits, Exclusions,
Claims and FAQ

Policy PDF

Claim form PDF

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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 
 - Uninterrupted 
Flights to/from Canada are Included
 - Stable Pre-existing medical conditions are covered for Visitors under age of 70

 - 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.

Travel Underwriters

Benefits, Exclusions,
Claims and FAQ

Policy PDF

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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

 - 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

Blue Cross

Benefits, Exclusions,
Claims and FAQ

Policy PDF

Quote & Buy Online

 - 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

 - 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

Travel Guard

Benefits, Exclusions,
Claims and FAQ


Policy PDF

Quote & Buy Online

 - 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

 - 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

GMS

Benefits, Exclusions,
Claims and FAQ


Policy PDF

Claim form PDF

Quote & Buy Online

 - 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: $7,000 to return home
or $3,000 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

 - 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 
  - 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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