Provider

Benefits

Limitations

ManuLife

Benefits, Exclusions,
Claims and FAQ

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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
- Accidental Death and Dismemberment -$50,000 
- Flights to/from Canada are Included 

- COVID-19 will be covered in Canada if this is not a pre-existing condition or meets the definition for a stable condition. 
- COVID-19 outside of Canada (side trip) is not covered for cruises or if you are travelling to any country with travel advisory issued by the Canadian government to "Avoid non-essential travel" or "Avoid all travel" relating to COVID-19.
 Age (on start date) - 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 arrival 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

21st Century

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 (X-ray; lab tests)
 - Physician and surgeon
 - Prescription Drugs - $500
 - Accidental Dental - $4,000
 - Re-occurrence of already claimed medical condition if stable for 90-days
 - Expenses related to death: up to $7,500 to return home or burial in place of death
 - Accidental Death and Dismemberment - $10,000
 - Stable Chronic Condition is included for Visitors under age of 85 (applicants age 55 to 85 must complete a Medical Declaration to cover SCC)
 - Flights to/from Canada are Included

- COVID-19 will be covered in Canada if this is not a pre-existing condition or meets the definition for a stable condition. 
- COVID-19 outside of Canada (side trip) is not covered if you are NOT fully vaccinted, if you are travelling on a cruise or if you visit any country with travel advisory to "Avoid non-essential travel" or "Avoid all travel" relating to COVID-19 issued by the Canadian government.
 Age (on start date) - up to 85 for Standard and   Enhanced Plans (No age limit for Basic Plan)
 Period - 365 days (720 days for Monthly Payment   Plan)
Extensions are available
 Deductible: $0; $100; $250; $1,000; $5,000   and $10,000 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

Allianz 

Benefits, Exclusions,
Claims and FAQ

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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); Follow up visits
 - Flights to/from Canada are Included
 - Stable Pre-existing medical conditions are covered for Visitors under age of 59

- COVID-19 will be covered in Canada if this is not a pre-existing medical condition or meets the definition for a stable condition.
- Side trips outside of Canada are not covered on cruises or if you are travelling to any country with travel advisory to "Avoid non-essential travel" or "Avoid all travel" issued by the Canadian government.
 Age (on start date) - up to age 89
 Period - maximum policy period - 365 days.
Age 60 to 79 years have to complete medical   questionnaire for coverage of Stable Pre-existing   heart condition, stroke or mini-stroke. Age 80 to   89 years have to complete medical questionnaire   for coverage of ANY pre-existing condition
 Deductible: $0, $100, $250, $1,000 and   $3,000 per period 
 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

DocuSign Application

- 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 up to age 65 under Plan 1

- COVID-19 will be covered in Canada if this is not a pre-existing medical condition or meets the definition for a stable condition.
- Side trips outside of Canada are not covered on cruises or if you are travelling to any country with travel advisory to "Avoid non-essential travel" or "Avoid all travel" issued by the Canadian government.
 Age (on start date) - up to age 85
 Period - maximum policy period - 365 days.
 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
 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.

TuGo

Benefits, Exclusions,
Claims and FAQ

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 - 24 hours Assistance Center
 - Ambulance transportation
 - Hospital (Semi-private) and includes up to 5 follow up visits within 14 days
 - Diagnostic (Lab tests; X-ray)
 - Physician and surgeon
 - Prescription Drugs - 30 day supply
 - Accidental Dental - $6,000
 - Emergency Dental - $600
 - Repatriation: preparation and return home or $6,000 for burial or cremation at the place of death
 - Emergency air transportation.
 - Accidental Death and Dismemberment $25,000
 - Flights to/from Canada are Included

- COVID-19 will be covered in Canada if this is not a pre-existing medical condition or meets the definition for a stable condition. 
- COVID-19 outside of Canada (side trip) is not covered on cruises or if you are travelling to any country with travel advisory to "Avoid all travel" relating to COVID-19 issued by the Canadian government.
 Age (on application date) - no age limit
 Deductible: $0; $150; $500; $1,000; $2,500; $5,000 and $10,000 per claim
 Waiting Period for Illness:
   - first 48 hours if purchased before or within  60 days after the arrival date in Canada
   - 7 days waiting after 61 days or more in Canada
   - No waiting before arrival in Canada 
 Pre-existing medical conditions: 120 days   stability required for age 59 or under; 180 days   for age 60-69; 365 days for age 70 and over. Medical questionnaire is required for age 60 and over.

 

Blue Cross

Benefits, Exclusions,
Claims and FAQ

Policy 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
 - Accidental Dental - $2,000
- Emergency Dental - $300
 - Funeral: $10,000 to return home or $4,000 for burial at the place of death
 - Repatriation to residence
 - Return of traveling companion
 - Subsistence Allowance - $1,000

- COVID-19 in Canada is covered as long as you were not diagnosed with the COVID-19 or had symptoms of it before the effective date of your contract. 
- COVID-19 outside of Canada (side trip) is covered as long as you do not have symptoms when you leave. Do not forget to consult the government advisories for your destination and find out about health authority guidelines before your departure.
Age (on application date)
- Up to age 79 for coverage of $100,000
- Up to age 74 for coverage of $150,000
 Deductible:$0, $250, $500, $1,500,   $2,500 and $5,000 per trip
 Waiting Period for Illness:
  - No waiting before arrival in Canada
  - 4 days if purchased within 30 days after arrival   in Canada or after expiry of similar plan.
  - After 30 days in Canada - not available unless   insured with similar plan in Canada.
 Pre-existing medical conditions: 
  - Under age 55 - 3 months look back 
  - Over age 54 - 6 months look back
 Flights to/from Canada are Excluded

GMS

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 - 30 days supply
 - Accidental Dental - up to $2,000
 - Emergency Dental - up to $250
 - Funeral: $10,000 to return home
or $4,000 for burial at the place of death
 - Emergency air transportation
 - Stable and Controlled medical conditions are covered for Visitors under age of 80 
- Flights to/from Canada are Included
Note: This plan is NOT available for purchase in Quebec, New Brunswick and Nunavut.

- COVID-19 in Canada is covered for insurance policies issued after May 6, 2021, if this is not a pre-existing medical condition or meets the definition for a stable condition. 
- Side trips outside of Canada are not covered  on cruises or if you are travelling to any country with travel advisory to "Avoid non-essential travel" or "Avoid all travel" issued by the Canadian government..
 Age (on application date): 
- 365 days maximum for up to age 80
Deductible: $100; $500 or $1,000 per claim.
 Waiting Period
  - No waiting before arrival in Canada or extend   existing policy
  - 2 days waiting for sickness if the policy has   been purchased within 30 days after your arrival   in Canada or after the expiry of similar insurance   plan. Injuries coverage  is available during the   waiting period.
  - 7 days waiting for sickness if the policy has   been purchased after 30 days from your arrival in   Canada or after the expiry of similar insurance   plan.
 Pre-existing medical conditions - 180 days   look back period for stable pre-existing condition
 No coverage for recurrence or complication   of already claimed medical condition

Destination 

Travel Group

Inc

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 - 30-day supply up to $1,000 per policy
 - Accidental Dental - up to $3,000
 - Emergency Dental - up to $500
 - Return of Deceased: $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); Follow up visits ($3,000)
 - Flights to/from Canada are Included
 - Stable Pre-existing medical conditions are covered up to age 79 under Option 1

- COVID-19 will be covered in Canada if this is not a pre-existing condition or meets the definition for a stable condition. 
- COVID-19 outside of Canada (side trip) is not covered if you are NOT fully vaccinated, if you are travelling on a cruise or if you visit any country with travel advisory to "Avoid non-essential travel" or "Avoid all travel" relating to COVID-19 issued by the Canadian government. COVID-19 coverage will be excluded for any Side-Trip outside of Canada for insurance policies issued before October 1, 2021.
 Age (on application date) - no age limit
 Period - maximum policy period - 365 days.
 Deductible: $0, $250, $500, $1,000, $2,500,   $5,000 and $10,000 per claim
 Waiting Period for Illness:
   - No waiting if purchased before arrival in Canada
   - 48 hours if purchased after arrival in Canada (age 0-85)
   - 15 days if purchased after arrival in Canada   (age 86 and over) 
The waiting period may be waived if you   have insurance with another insurer   during the first part of your trip in   Canada, and you are purchasing this   insurance after your arrival in Canada   and there will be no gap in coverage.
 Pre-existing medical conditions