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 

 - 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
  

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 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; $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

 - 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
 - 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

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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.
 - Deductible: $0; $100 and $1,000 per claim. Age 85 and up - $500 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.

TuGo

Benefits, Exclusions,
Claims and FAQ

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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
 - Repatriation: preparation and return home or $5,000 for burial or cremation at the place of death
 - Emergency air transportation.
 - 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 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; no coverage for any pre-existing conditions for age 70 to 89
  - Flights to/from Canada are Excluded

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

 - 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:
  - 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

Travel Guard

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
 - 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.
Note: This plan is NOT available for purchase from the province of Quebec.
 

 - Age and Periods:
   - Up to age 84 max period is 12 months with Plan 1 & 2 (Plan 3 up to age 74)
   - Plan 3 is limited to 183 days for age over 75
 - No coverage after 1 year stay in Canada (6 months for age 75 and older with Plan 3)
 - 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
 - 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 the provinces of Quebec and New Brunswick.

- Age and Periods:
   - 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 period for complications of 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 - up to $500 supplies
 - 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

 - Age - no age limit
 - Period - maximum policy period - 365 days.
 - Deductible: $0, $250, $500 and $1,000 per claim
 - Waiting Period for Illness:
   - No waiting if purchased before arrival in Canada
   - 48 hours if purchased after arrival in Canada (Age 0 to 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