How much does TruStone Visitors to Canada Insurance without pre-existing condition coverage cost per day?

TruStone single daily rates without pre-existing condition coverage and a $0 deductible start at $1.12 per day for a visitor aged 0–25 with $10,000 coverage. At $100,000 coverage the daily rate is $2.14 for ages 0–25, $2.49 for ages 26–40, $2.83 for ages 41–60, $3.70 for ages 61–64, $4.18 at age 65, $4.70 for ages 66–69, $6.38 at age 70, $7.09 for ages 71–74, $8.26 at age 75, $8.82 for ages 76–79, $10.63 at age 80, $13.48 for ages 81–84, $16.30 at age 85, and $19.72 for ages 86–89 (with the mandatory $500 deductible). Coverage of $10,000, $25,000, $50,000, and $100,000 is available to age 89; $150,000 and $200,000 are available to age 79.

How much cheaper is the TruStone plan without pre-existing condition coverage?

For a visitor aged 71–74 with $100,000 coverage and a $0 deductible, the TruStone plan without pre-existing condition coverage costs $7.09 per day ($2,552.40 for a one-year Super Visa policy), compared to $9.45 per day ($3,402.00 per year) for TruStone with pre-existing condition coverage — a saving of about 25%. For ages 66–69 the difference is $4.70 versus $6.27 per day. The lower price reflects that any condition that existed before the effective date is excluded.

What age brackets does TruStone use for its plan without pre-existing condition coverage?

TruStone's plan without pre-existing condition coverage is available from birth to age 89, priced across 14 age brackets: 0–25, 26–40, 41–60, 61–64, 65, 66–69, 70, 71–74, 75, 76–79, 80, 81–84, 85, and 86–89. Ages 65, 70, 75, 80, and 85 are priced separately at the $100,000 coverage level. The rate is based on the visitor's age on the start (effective) date of the policy.

How much does TruStone Super Visa insurance without pre-existing condition coverage cost per year?

A one-year TruStone Super Visa policy with $100,000 coverage, no pre-existing condition coverage, and a $0 deductible costs $770.40 for ages 0–25, $896.40 for ages 26–40, $1,018.80 for ages 41–60, $1,332.00 for ages 61–64, $1,504.80 at age 65, $1,692.00 for ages 66–69, $2,296.80 at age 70, $2,552.40 for ages 71–74, $2,973.60 at age 75, $3,175.20 for ages 76–79, $3,826.80 at age 80, $4,852.80 for ages 81–84, $5,868.00 at age 85, and $7,099.20 for ages 86–89 with the required $500 deductible.

What deductible options lower the cost of TruStone visitor insurance?

TruStone discounts the premium by deductible: $100 saves 5%, $250 saves 10%, $500 saves 15%, $1,000 saves 20%, $5,000 saves 30%, and $10,000 saves 40%. The deductible applies once per policy period, not per claim. Visitors aged 86 to 89 must take a $500 deductible. For Super Visa insurance, a high deductible such as $10,000 is not recommended, because the deductible amount may be added to the sponsor's income requirement for the Super Visa application; the usual choices are $0 and $1,000.

What does the TruStone plan without pre-existing condition coverage cover?

The plan covers emergency medical treatment in Canada for a sudden, unexpected sickness or an accidental injury that first occurs after the effective date, including hospitalization, physician services, diagnostic tests, prescription drugs prescribed during the emergency, ambulance, and emergency return home, up to the coverage limit selected. Accidental dental is covered up to $5,000 for a sudden dental infection or damage to sound natural teeth caused by an injury to the mouth; routine check-ups, fillings, and extractions are not covered unless they are part of the emergency. Emergency assistance is available 24 hours a day from Trident Global Assistance. The plan is administered by TruStone Health and underwritten by The Empire Life Insurance Company.

Is a medical questionnaire required for the TruStone plan without pre-existing condition coverage?

No. Because every pre-existing condition is excluded, the application does not require a medical questionnaire about the visitor's health history, at any age up to 89. Underwriting is automatic, and the policy receipt is issued as soon as the online application is accepted and paid.

What is a pre-existing condition under the TruStone policy, and what happens if a new condition arises during my stay?

TruStone defines a pre-existing condition as any medical or physical condition, symptom, illness, or disease — whether diagnosed or not — for which treatment was received or symptoms were shown at any time before the effective date. Under the plan without pre-existing condition coverage, all such conditions are excluded. A new sickness or injury that first appears after the effective date (and after any waiting period) is covered up to the policy limit, and the visitor should contact Trident Global Assistance before seeking treatment.

Can I get a full refund on TruStone visitor insurance before the start date?

Yes. A TruStone policy can be cancelled for a full refund of premium and fees within 10 days of receiving it under the 10-day free look. For a Super Visa policy, providing the visa denial letter before the effective date avoids the short-rate penalty; after that, a short-rate penalty and administrative fees apply, and cancelling a Super Visa policy after arrival without a refusal letter costs $250. No refund is available if a claim has been paid, declined, or is pending, and the minimum refund is $20.

Can I get a refund from TruStone if I leave Canada early?

Yes. If the visitor departs Canada before the termination date, TruStone refunds the unused premium calculated from the date the cancellation request is received, less a short-rate penalty and a $50 administrative fee, provided no claim has been paid, declined, or is pending. The termination date can be backdated by up to 2 months at TruStone's discretion.

Does TruStone offer couple and family discounts on visitor insurance?

Yes. TruStone gives a 5% discount to each person insured as a couple, as travelling companions, or as a returning customer, and a 2.25% discount when parents and children are insured together on one application. These discounts apply on top of the deductible discount.

Can I buy TruStone visitor insurance after arriving in Canada?

Yes. TruStone can be purchased after arrival at the same published rates. When the policy is bought after arrival, there is no coverage for any emergency caused by an injury or sickness that begins within the first 5 days after the effective date. The 5-day waiting period is waived if the visitor is covered by another Canadian travel insurance policy that does not end before the TruStone effective date. There is no waiting period when the policy is purchased before arrival.

Are side trips outside Canada covered under TruStone visitor insurance?

No. TruStone covers emergency medical expenses only in Canada, plus expenses incurred while in direct transit (including layovers) to or from Canada. A visitor may travel outside Canada, including to their home country, without cancelling the policy, but no expenses incurred outside Canada are covered. Trident Global Assistance should be notified if the visitor will be outside Canada for 30 days or more.

Which TruStone plan should visitors aged 80 and over choose?

Visitors aged 80 to 89 can only buy the TruStone plan without pre-existing condition coverage, since TruStone's pre-existing condition coverage stops at age 79. Coverage limits of $10,000, $25,000, $50,000, and $100,000 are available; at $100,000 the daily rate is $10.63 at age 80, $13.48 for ages 81–84, $16.30 at age 85, and $19.72 for ages 86–89, and a $500 deductible is mandatory from age 86.

What is the maximum length of a TruStone visitor policy, and can it be extended?

A TruStone policy can be issued for up to 365 days. It can be extended before it expires, up to 365 days in total, provided no claim has been submitted; the extension is effective only when TruStone issues a new policy receipt. Coverage extends automatically for the length of a hospitalization plus 72 hours, and for up to 72 hours after a weather or mechanical delay of the visitor's scheduled carrier.

How do I buy TruStone visitor insurance without pre-existing condition coverage online?

On VisitorsInsurance.ca, choose the visitor's age bracket, coverage amount, and deductible from the TruStone rate tables, then click "BUY TRUSTONE INSURANCE ONLINE" to complete the application on TruStone Health's secure site; the policy receipt is issued immediately once the application is accepted and paid. Easy Links Financial Inc. is a insurance broker licensed across Canada and TruStone distributor.

TruStone Visitors Insurance – NO Pre-existing Conditions – RATES

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Administered by:

TruStone Health, a division of TruStone Financial Inc.

Underwritten by:

The Empire Life Insurance Company

24/7 Emergency Assistance Center:

Trident Global Assistance

TruStone – No Pre-existing Conditions

Visitors to Canada Rates

Single Coverage Daily Rates ($0 Deductible)

Age Range	$10,000	$25,000	$50,000	$100,000	$150,000	$200,000
0 – 25	$1.12	$1.45	$1.59	$2.14	$2.56	$3.93
26 – 40	$1.27	$1.59	$1.73	$2.49	$2.89	$4.25
41 – 60	$1.41	$1.87	$2.14	$2.83	$3.80	$5.40
61 – 64	$1.82	$2.59	$3.11	$3.70	$4.42	$6.02
65	$2.07	$2.89	$3.45	$4.18	$5.11	$7.13
66 – 69	$2.07	$2.89	$3.45	$4.70	$5.11	$7.13
70	$3.59	$4.43	$6.35	$6.38	$9.27	$12.64
71 – 74	$3.59	$4.43	$6.35	$7.09	$9.27	$12.64
75	$4.38	$5.22	$7.37	$8.26	$10.60	$14.62
76 – 79	$4.38	$5.22	$7.37	$8.82	$10.60	$14.62
80	$6.42	$9.50	$10.22	$10.63	—	—
81 – 84	$6.42	$9.50	$10.22	$13.48	—	—
85	$6.42	$9.50	$10.22	$16.30	—	—
86 – 89	$9.19	$15.40	$16.63	$19.72	—	—

Super Visa Insurance Rates

Age Range	$100,000	$150,000	$200,000
0 – 25	$770.40	$921.60	$1,414.80
26 – 40	$896.40	$1,040.40	$1,530.00
41 – 60	$1,018.80	$1,368.00	$1,944.00
61 – 64	$1,332.00	$1,591.20	$2,167.20
65	$1,504.80	$1,839.60	$2,566.80
66 – 69	$1,692.00	$1,839.60	$2,566.80
70	$2,296.80	$3,337.20	$4,550.40
71 – 74	$2,552.40	$3,337.20	$4,550.40
75	$2,973.60	$3,816.00	$5,263.20
76 – 79	$3,175.20	$3,816.00	$5,263.20
80	$3,826.80	—	—
81 – 84	$4,852.80	—	—
85	$5,868.00	—	—
86 – 89	$7,099.20	—	—

Deductible Options and Savings

Deductible Amount	Premium Savings
$0.00	0% Discount
$100	5% Discount
$250	10% Discount
$500	15% Discount
$1,000	20% Discount
$5,000	30% Discount
$10,000	40% Discount

Notes

For ages 86 to 89 a $500 deductible is required.
Maximum 5% saving for each party with policies for Couple, Travelling companion and Returning customer.
Family: 2.25% for parents and children all together.

TruStone Visitors Insurance without Pre-existing Conditions – Rates FAQ

How much does TruStone Visitors to Canada Insurance without pre-existing condition coverage cost per day?
TruStone single daily rates without pre-existing condition coverage and a $0 deductible start at $1.12 per day for a visitor aged 0–25 with $10,000 coverage. At $100,000 coverage the daily rate is $2.14 for ages 0–25, $2.49 for ages 26–40, $2.83 for ages 41–60, $3.70 for ages 61–64, $4.18 at age 65, $4.70 for ages 66–69, $6.38 at age 70, $7.09 for ages 71–74, $8.26 at age 75, $8.82 for ages 76–79, $10.63 at age 80, $13.48 for ages 81–84, $16.30 at age 85, and $19.72 for ages 86–89 (with the mandatory $500 deductible). Coverage of $10,000, $25,000, $50,000, and $100,000 is available to age 89; $150,000 and $200,000 are available to age 79.
How much cheaper is the TruStone plan without pre-existing condition coverage?
For a visitor aged 71–74 with $100,000 coverage and a $0 deductible, the TruStone plan without pre-existing condition coverage costs $7.09 per day ($2,552.40 for a one-year Super Visa policy), compared to $9.45 per day ($3,402.00 per year) for TruStone with pre-existing condition coverage — a saving of about 25%. For ages 66–69 the difference is $4.70 versus $6.27 per day. The lower price reflects that any condition that existed before the effective date is excluded.
What age brackets does TruStone use for its plan without pre-existing condition coverage?
How much does TruStone Super Visa insurance without pre-existing condition coverage cost per year?
A one-year TruStone Super Visa policy with $100,000 coverage, no pre-existing condition coverage, and a $0 deductible costs $770.40 for ages 0–25, $896.40 for ages 26–40, $1,018.80 for ages 41–60, $1,332.00 for ages 61–64, $1,504.80 at age 65, $1,692.00 for ages 66–69, $2,296.80 at age 70, $2,552.40 for ages 71–74, $2,973.60 at age 75, $3,175.20 for ages 76–79, $3,826.80 at age 80, $4,852.80 for ages 81–84, $5,868.00 at age 85, and $7,099.20 for ages 86–89 with the required $500 deductible.
What deductible options lower the cost of TruStone visitor insurance?
TruStone discounts the premium by deductible: $100 saves 5%, $250 saves 10%, $500 saves 15%, $1,000 saves 20%, $5,000 saves 30%, and $10,000 saves 40%. The deductible applies once per policy period, not per claim. Visitors aged 86 to 89 must take a $500 deductible. For Super Visa insurance, a high deductible such as $10,000 is not recommended, because the deductible amount may be added to the sponsor’s income requirement for the Super Visa application; the usual choices are $0 and $1,000.
What does the TruStone plan without pre-existing condition coverage cover?
The plan covers emergency medical treatment in Canada for a sudden, unexpected sickness or an accidental injury that first occurs after the effective date, including hospitalization, physician services, diagnostic tests, prescription drugs prescribed during the emergency, ambulance, and emergency return home, up to the coverage limit selected. Accidental dental is covered up to $5,000 for a sudden dental infection or damage to sound natural teeth caused by an injury to the mouth; routine check-ups, fillings, and extractions are not covered unless they are part of the emergency. Emergency assistance is available 24 hours a day from Trident Global Assistance. The plan is administered by TruStone Health and underwritten by The Empire Life Insurance Company.
Is a medical questionnaire required for the TruStone plan without pre-existing condition coverage?
What is a pre-existing condition under the TruStone policy, and what happens if a new condition arises during my stay?
TruStone defines a pre-existing condition as any medical or physical condition, symptom, illness, or disease — whether diagnosed or not — for which treatment was received or symptoms were shown at any time before the effective date. Under the plan without pre-existing condition coverage, all such conditions are excluded. A new sickness or injury that first appears after the effective date (and after any waiting period) is covered up to the policy limit, and the visitor should contact Trident Global Assistance before seeking treatment.
Can I get a full refund on TruStone visitor insurance before the start date?
Yes. A TruStone policy can be cancelled for a full refund of premium and fees within 10 days of receiving it under the 10-day free look. For a Super Visa policy, providing the visa denial letter before the effective date avoids the short-rate penalty; after that, a short-rate penalty and administrative fees apply, and cancelling a Super Visa policy after arrival without a refusal letter costs $250. No refund is available if a claim has been paid, declined, or is pending, and the minimum refund is $20.
Can I get a refund from TruStone if I leave Canada early?
Does TruStone offer couple and family discounts on visitor insurance?
Can I buy TruStone visitor insurance after arriving in Canada?
Yes. TruStone can be purchased after arrival at the same published rates. When the policy is bought after arrival, there is no coverage for any emergency caused by an injury or sickness that begins within the first 5 days after the effective date. The 5-day waiting period is waived if the visitor is covered by another Canadian travel insurance policy that does not end before the TruStone effective date. There is no waiting period when the policy is purchased before arrival.
Are side trips outside Canada covered under TruStone visitor insurance?
No. TruStone covers emergency medical expenses only in Canada, plus expenses incurred while in direct transit (including layovers) to or from Canada. A visitor may travel outside Canada, including to their home country, without cancelling the policy, but no expenses incurred outside Canada are covered. Trident Global Assistance should be notified if the visitor will be outside Canada for 30 days or more.
Which TruStone plan should visitors aged 80 and over choose?
Visitors aged 80 to 89 can only buy the TruStone plan without pre-existing condition coverage, since TruStone’s pre-existing condition coverage stops at age 79. Coverage limits of $10,000, $25,000, $50,000, and $100,000 are available; at $100,000 the daily rate is $10.63 at age 80, $13.48 for ages 81–84, $16.30 at age 85, and $19.72 for ages 86–89, and a $500 deductible is mandatory from age 86.
What is the maximum length of a TruStone visitor policy, and can it be extended?
A TruStone policy can be issued for up to 365 days. It can be extended before it expires, up to 365 days in total, provided no claim has been submitted; the extension is effective only when TruStone issues a new policy receipt. Coverage extends automatically for the length of a hospitalization plus 72 hours, and for up to 72 hours after a weather or mechanical delay of the visitor’s scheduled carrier.
How do I buy TruStone visitor insurance without pre-existing condition coverage online?
On VisitorsInsurance.ca, choose the visitor’s age bracket, coverage amount, and deductible from the TruStone rate tables, then click “BUY TRUSTONE INSURANCE ONLINE” to complete the application on TruStone Health’s secure site; the policy receipt is issued immediately once the application is accepted and paid. Easy Links Financial Inc. is a insurance broker licensed across Canada and TruStone distributor.

Ready to apply? The button below takes you directly to TruStone Health’s secure online application. No medical questionnaire is needed, underwriting is automatic, and your policy receipt is issued as soon as the application is accepted. Easy Links Financial Inc. is a insurance broker licensed across Canada and authorized TruStone distributor — contact us any time if you have questions before you buy.

BUY TRUSTONE INSURANCE ONLINE

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.

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TruStone Health POLICY PDF

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