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Saturday, May 27th, 2017

Allianz Global Assistance 
Inpatriate Plan

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Administrated by:
Allianz Global Assistance (AGA).
Underwritten by: CUMIS General Insurance Company, a member of The Co-operators group of companies.
24 hours Emergency Assistance Center: AGA Emergency Assistance

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.


  - Maximum Benefits: $100,000; $150,000 and $200,000. 
  - Emergency Hospital & Medical Coverage: Up to the amount of insurance purchased for emergency hospital accommodation (semi-private) and following medical services: 
  - Physicians, surgeons, anesthetic and registered nurse.
  - Diagnostic Treatments: Lab tests and X-ray examinations ordered by a physician.
  - Ambulance Transportation: Licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary.
  - Medical Appliance: Rental of crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics. 
  - Prescription drugs or medications - one-month supply, to a maximum of $10,000.
  - Professional Medical Services referred by a physician - care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist, podiatrist and acupuncturist - up to $500 per category of practitioner.
  - Funeral Expenses: In the event of death from covered condition, up to $10,000 is provided to return the body home, or up to $4,000 for cremation or burial at the place of death. 
  - Accidental Dental: Up to $4,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
  - Dental Emergencies: Up to $500 for the immediate relief of acute dental pain, other than provided under Accidental Dental.
  - Act of Terrorism: If you sustain a loss from an act of terrorism that is covered under this plan we will pay up to an aggregate limit in Canadian dollars. 
  - Follow-up Visits are covered up to $5,000, provided they are directly related to the emergency and the emergency has been reported to AGA.
  - Emergency Transportation: The cost up to the policy limit of air ambulance, one-way economy airfare or stretcher to transport you to your country of origin, and a medical attendant if required, when immediate medical consultation is required following a covered emergency sickness or injury.
  - Return Home: Up to $3,000 for the cost of one-way economy transportation to your country of origin if the covered sickness or injury necessitates your immediate return home during the period of coverage. This benefit also includes one additional insured family member.
  - Accidental Death & Dismemberment: Up to the policy limit for accidental loss of life, limb or sight. 
  - Bedside Companion: Up to $3,000 for round-trip economy transportation to bring a family member or close friend to your bedside when advised by an attending physician. 
 - Trip breaks lets you return home during your trip without cancelling your coverage. Your policy will remain in effect while you are in your country of origin, however costs incurred in your country are not covered. 

 - Physical Examination: one routine annual examination by a physician after the policy has been in effect for 9 consecutive months (not subject to any deductible). This benefit is limited to one visit in any consecutive 12-month period.
  - Eye Examination - one routine annual examination by an optometrist (not subject to any deductible). This benefit is available after the first 9 months and it is limited to one visit in any consecutive 12-month period.
 - Vaccinations: Up to $100 annually for vaccinations, after 6 months of continuous coverage. One year coverage must be purchased to qualify for this benefit.
  - Maternity Benefit: When the expected delivery date is more than 10 months after the effective date, AGA will pay 80% of the costs incurred by the mother as the result of pregnancy, childbirth or complications and 80% of the cost for routine new-born nursing care up to 14 days following birth. 
New-born can be fully covered from 15 days of age following written approval by AGA.
For multiple policies with no lapse in coverage, effective date for this benefit means the effective date of the initial policy purchased.
Maternity benefit is limited to $10,000 for all eligible expensed.

  - Stable Pre-existing Medical Condition is covered up to age 59 if it has been stable in the 90 days immediately before the effective date. 

If you are 60 to 69 years of on the effective date, you have to complete a Medical Questionnaire and have to be approved in writing by AGA in order to be covered for pre-existing medical conditions that has been stable in the 180 days immediately before the effective date.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:

Coverage in NOT AVAILABLE to any individual who, as of their effective date:
   a) has been diagnosed with a terminal illness; or
   b) has been diagnosed with or has had an episode of congestive heart failure; or
   c) has had their most recent heart surgery more than 10 years ago; or
   d) has been diagnosed with Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or
   e) has been diagnosed with stage 3 or 4 cancer, or cancer of the lung, liver, pancreas, or bone; or has 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
   f) has had a lung condition for which, in the last 12 months, they have been prescribed or used home oxygen; or
   g) has received or is awaiting a bone marrow or major organ transplant; or
   h) has been diagnosed with or received treatment for kidney disease requiring dialysis; or
   i) has been diagnosed with an aneurysm that has not been repaired; or
   j) requires assistance with activities of daily living.
AGE LIMITS: To be eligible for coverage a person must be at least 15 days old and not more than 69 years old. Maximum period of coverage is 365 days. No coverage after 2 years of uninterrupted coverage under an AGA insurance plan.
WAITING PERIOD For illness: Any sickness for which symptoms occurred 48 hours after the effective date if the policy has been purchased AFTER you exit your country of origin. No waiting period if the application for this insurance is completed PRIOR to your exit of your country of origin or before the expiry date of the existing AGA Visitors to Canada policy.
PRE-EXISTING CONDITION means a sickness, injury or medical condition, whether or not diagnosed by a physician:
   - for which you exhibited signs or symptoms; or
   - for which you required or received medical consultation; and
   - which existed prior to the effective date of your coverage.
a) if you are age 59 or under, is the 90 days immediately before the effective date.
b) if you are age 60 to 69, is the 180 days immediately before the effective date.
STABLE CONDITION means a pre-existing medical condition for which:
   - there has been no new treatment; and
   - there has been no change in treatment or change in treatment frequency or type; and
   - there have been no signs or symptoms or new diagnosis; and 
   - there have been no test results showing deterioration; and
   - there has been no hospitalization; and
   - there has been no referral to a specialist and you are not awaiting surgery or the results of further investigations performed by and medical professional.

The following are considered stable:
   - Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the stability period.
   - Change from a brand name medication to a generic prescribed during the stability period and there is no increase or decrease in dosage.
   - A minor ailment, which describes a sickness or injury during the stability period which ended prior to the effective date and which did not require treatment for a period longer than 15 consecutive days; or more than one follow-up visit to a physician; or hospitalization, surgery, or referral to a specialist.

The following conditions are NOT considered stable:
   - any lung condition for which you were prescribed or are taking prednisone;
   - any heart condition for which you were prescribed or are taking nitroglycerin. 

  - Any sickness or injury where the trip is taken to get medical treatment or advice for such injury or sickness.
  - Loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
  - Any injury or sickness, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
  - Benefits are not payable for costs incurred due to any loss inside your country of origin.
  - Any rehabilitation or convalescent care.
  - Naturopathic or holistic treatment.
  - Emotional, mental or nervous disorders, except.
  - Any treatment, investigation or hospitalization which is a continuation of or subsequent to, emergency treatment of a sickness or injury, unless approved in advance by AGA.
  - Motor sports and speed contests, stunt activities.
  - High-risk activities and professional sports – any skiing out of bounds, heliskiing, ski jumping, skydiving, sky-surfing, scuba diving (except if certified), white water rafting (except grades 1 to 4), street luge, skeleton, rodeo and mountaineering (that requires special equipment).
  - Any loss incurred when, prior to the effective date, the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country.
  - Act of war, kidnapping, act of terrorism caused directly or indirectly by nuclear, chemical or biological means; riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities or a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention or any statutory law or regulation in the area where the loss occurred by the insured, a family member or travelling companion.


- To apply for benefits, complete the claim form and include all original bills. Incomplete forms will cause delay.
- Claims must be reported within 30 days of occurrence.
- Written proof of claim must be submitted within 60 days of occurrence.
- For Accidental Death & Dismemberment Benefits include also: 1. Police report; 2. Coroner's report; 3. Death certificate.

Allianz Global Assistance Claims Department
2100-250 Yonge Street
Toronto ON, Canada M5B 2L7

Collect worldwide: 416-340-8809
Toll free Canada/USA: 1-800-869-6747 

AGA Emergency Assistance and claims personnel are available to help you 24 hours a day, 7 days a week. AGA's experienced multilingual staff verifies coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed.
Call AGA Emergency Assistance or have someone call on your behalf as soon as possible.


Are the premiums refundable?
Refunds are payable:
  - 100% if the policy is cancelled before the effective date of the policy.
  - After the effective date of the policy are possible partial cancellations in case the insured returns to their country of origin or becomes insured under a Canadian provincial health care. Refunds for partial cancellations will be calculated by multiplying the monthly premium by the actual number of months the policy was in effect. This amount is then subtracted from the total premium paid. The refund will be calculated based on the date the refund request is received by our office.
There will be no refund of premium if a claim has been made.

There will be no refund of premium if a claim has been made. 

Are there age limits?
Coverage is available for persons from 15 days to 69 years.

I want to stay longer. Can I extend my coverage?
Yes, you can subject to policy terms and conditions. Just call your agent or AGA prior to the expiry of your policy. You must be in good health and not have incurred any losses with AGA. Each policy or period of coverage is considered a separate contract and all limitations and exclusions will apply.

Will this cover me for trips outside Canada?
Yes, provided the majority of your period of coverage is spent in Canada. Expenses incurred in your country or origin will not be covered (unless you are returning Canadian). 

Are there any discounts?
Yes. There are optional deductibles for premium savings:
$500 deductible........................savings 5%
$1,000 deductible.....................savings 10%
$5,000 deductible.....................savings 30%

About Allianz Global Assistance: 
Allianz Global Assistance is one of the largest travel insurance and assistance services providers in Canada, with offices in Kitchener, Toronto, Montreal and Vancouver.


$100,000 $150,000 $200,000
Age Premium per month - CAD
0-39 $94 $113 $123
40-44 $149 $179 $194
45-49 $184 $221 $239
50-54 $229 $274 $297
55-59 $273 $328 $355
60-64 $353 $423 $459
65-69 $497 $596 $646


IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.



Allianz Inpatriate POLICY PDF

Allianz Inpatriate BROCHURE PDF

Allianz Inpatriate CLAIM FORM PDF


Please, CONTACT US for more information or to apply for AGA Inpatriate Plan


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