How much does TruStone Visitors to Canada Insurance with pre-existing condition coverage cost per day?

TruStone single daily rates with pre-existing condition coverage and a $0 deductible start at $1.49 per day for a visitor aged 0–25 with $10,000 coverage. At $100,000 coverage the daily rate is $2.86 for ages 0–25, $3.14 for ages 26–40, $3.58 for ages 41–60, $4.93 for ages 61–64, $5.57 at age 65, $6.27 for ages 66–69, $8.50 at age 70, $9.45 for ages 71–74, $11.01 at age 75, and $11.77 for ages 76–79. Coverage amounts of $10,000, $25,000, $50,000, $100,000, $150,000, and $200,000 are available.

Who is eligible for TruStone's pre-existing condition coverage?

TruStone covers stable pre-existing medical conditions for visitors up to age 79, provided all pre-existing conditions are fully and accurately disclosed on the application and the policy receipt confirms pre-existing condition coverage. Visitors aged 80 and over are not eligible for pre-existing condition coverage and should purchase the TruStone Visitors to Canada plan without pre-existing condition coverage, which is available to age 89.

What stability period does TruStone require for pre-existing conditions?

TruStone's standard rates apply when every pre-existing condition has been stable for the 365 days before the effective date. Two reduced-stability options are available: 180 to 365 days stable, priced 11% above the standard rates, with specific exclusions such as losses related to a heart condition or stroke; and 90 to 180 days stable, priced 25% above the standard rates, with additional exclusions and surcharges. "Stable" means no new or changed symptoms, no change in medication dosage or frequency, no new medication, no hospitalization or non-routine medical consultation, and no test, procedure, or surgery prescribed or recommended.

How much does TruStone Super Visa insurance with pre-existing condition coverage cost for parents and grandparents?

A one-year TruStone Super Visa policy with $100,000 coverage, pre-existing condition coverage, and a $0 deductible costs $1,774.80 for ages 61–64, $2,005.20 at age 65, $2,257.20 for ages 66–69, $3,060.00 at age 70, $3,402.00 for ages 71–74, $3,963.60 at age 75, and $4,237.20 for ages 76–79. Super Visa applicants aged 80 and over must use the TruStone plan without pre-existing condition coverage.

What age brackets does TruStone use for visitor insurance rates?

TruStone uses ten age brackets for its pre-existing condition rates: 0–25, 26–40, 41–60, 61–64, 65, 66–69, 70, 71–74, 75, and 76–79. Ages 65, 70, and 75 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, so a visitor who is 64 on the start date pays the 61–64 rate for the whole policy period.

What deductible options lower the cost of TruStone pre-existing condition coverage?

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. 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.

Does TruStone cover diabetes, heart conditions, or high blood pressure?

Stable conditions such as controlled high blood pressure or high cholesterol are covered when they meet the stability period. Diabetes — whether insulin-dependent, controlled by medication, or diet-controlled — is covered, but treatment of heart or stroke conditions in a diabetic visitor is excluded unless those conditions are specifically listed as covered on the confirmation of insurance. A combination of diabetes and a heart or stroke condition cannot be insured under the TruStone policy.

Is TruStone visitor insurance refundable if the Super Visa is refused?

Yes. If the Super Visa denial letter is provided before the effective date, TruStone refunds the premium without a short-rate penalty; if the letter is provided later, a short-rate penalty and administrative fees apply. Cancelling a policy used for a Super Visa application after arrival in Canada without a visa refusal letter carries a $250 fee. Any policy can be returned for a full refund within 10 days of receipt under the 10-day free look. 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. Refunds under $20 are not processed.

How much more does TruStone charge for pre-existing condition coverage compared to its plan without it?

For a visitor aged 66–69 with $100,000 coverage and a $0 deductible, TruStone with pre-existing condition coverage costs $6.27 per day ($2,257.20 for a 365-day Super Visa policy), compared to $4.70 per day ($1,692.00 per year) for the TruStone plan without pre-existing condition coverage. The higher premium buys coverage for emergencies arising from stable medical conditions, which are excluded entirely under the lower-priced plan.

Does TruStone cover emergency hospitalization caused by a covered pre-existing condition?

Yes. When a disclosed pre-existing condition meets the stability requirement, an emergency arising from it — including hospitalization, physician care, diagnostic tests, prescription drugs, and ambulance — is covered up to the policy limit selected, subject to the deductible. Any change in a pre-existing condition before the effective date must be reported to TruStone and accepted in writing, or the condition is excluded. Emergency assistance is provided 24 hours a day by Trident Global Assistance.

Can I buy TruStone pre-existing condition coverage for a stay of a few months, and can it be extended?

Yes. TruStone rates are charged per day for any trip length up to a maximum of 365 days; for example, a visitor aged 41–60 with $100,000 coverage and a $0 deductible pays $3.58 per day, or about $644 for a 180-day stay. The policy 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.

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. Visitors planning trips to the United States should consider a plan that includes side-trip coverage.

Why choose TruStone for visitors with pre-existing conditions?

TruStone is one of the few visitor insurers offering three stability tiers (365, 180, and 90 days), so visitors whose condition changed recently can still obtain coverage. It also offers a 5% discount for couples, travelling companions, and returning customers, and a 2.25% discount for families insured together, plus a monthly payment plan ($50 set-up fee). The plan is administered by TruStone Health and underwritten by The Empire Life Insurance Company.

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.

How do I get a TruStone quote and buy 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. Underwriting is automatic based on the answers to the medical questions in the online application, and the policy receipt is issued as soon as the application is accepted and paid. Easy Links Financial Inc. is a insurance broker licensed across Canada and TruStone distributor.

TruStone Visitors to Canada plan – With 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 With Pre-existing Conditions

Visitors to Canada Rates

Single Coverage Daily Rates: Pre-existing Conditions (Deductible: $0)

Age Range	$10,000	$25,000	$50,000	$100,000	$150,000	$200,000
0 – 25	$1.49	$1.93	$2.12	$2.86	$3.41	$5.24
26 – 40	$1.69	$2.12	$2.30	$3.14	$3.86	$5.67
41 – 60	$1.88	$2.49	$2.86	$3.58	$5.06	$7.19
61 – 64	$2.43	$3.45	$4.15	$4.93	$5.89	$8.03
65	$2.76	$3.86	$4.59	$5.57	$6.81	$9.51
66 – 69	$2.76	$3.86	$4.59	$6.27	$6.81	$9.51
70	$4.73	$5.90	$8.46	$8.50	$12.36	$16.85
71 – 74	$4.73	$5.90	$8.46	$9.45	$12.36	$16.85
75	$5.84	$6.96	$9.83	$11.01	$14.13	$19.45
76 – 79	$5.84	$6.96	$9.83	$11.77	$14.13	$19.45

Super Visa Insurance Rates

Single Coverage Annual Rates: Pre-existing Conditions (Deductible: $0)

Age Range	$100,000	$150,000	$200,000
0 – 25	$1,029.60	$1,227.60	$1,886.40
26 – 40	$1,130.40	$1,389.60	$2,041.20
41 – 60	$1,288.80	$1,821.60	$2,588.40
61 – 64	$1,774.80	$2,120.40	$2,890.80
65	$2,005.20	$2,451.60	$3,423.60
66 – 69	$2,257.20	$2,451.60	$3,423.60
70	$3,060.00	$4,449.60	$6,066.00
71 – 74	$3,402.00	$4,449.60	$6,066.00
75	$3,963.60	$5,086.80	$7,002.00
76 – 79	$4,237.20	$5,086.80	$7,002.00

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

Maximum 5% saving for each party with policies for Couple, Travelling companion and Returning customer.
Family: 2.25% for parents and children all together.
Pre-existing conditions are not covered for applicants aged 80 and over. They should purchase a policy that does not cover pre-existing conditions.
Coverage is available for clients with reduced stability periods.
Rates for stability of 180 days to 365 days are 11% higher than the rates for 365 days stable. There are some specific exclusions and surcharges — for example, losses related to a heart condition or stroke are excluded.
Rates for stability of 90 days to 180 days are 25% higher than the rates for 365 days stable. There are some specific exclusions and surcharges.

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TruStone Visitors Insurance with Pre-existing Conditions – Rates FAQ

How much does TruStone Visitors to Canada Insurance with pre-existing condition coverage cost per day?
TruStone single daily rates with pre-existing condition coverage and a $0 deductible start at $1.49 per day for a visitor aged 0–25 with $10,000 coverage. At $100,000 coverage the daily rate is $2.86 for ages 0–25, $3.14 for ages 26–40, $3.58 for ages 41–60, $4.93 for ages 61–64, $5.57 at age 65, $6.27 for ages 66–69, $8.50 at age 70, $9.45 for ages 71–74, $11.01 at age 75, and $11.77 for ages 76–79. Coverage amounts of $10,000, $25,000, $50,000, $100,000, $150,000, and $200,000 are available.
Who is eligible for TruStone's pre-existing condition coverage?
TruStone covers stable pre-existing medical conditions for visitors up to age 79, provided all pre-existing conditions are fully and accurately disclosed on the application and the policy receipt confirms pre-existing condition coverage. Visitors aged 80 and over are not eligible for pre-existing condition coverage and should purchase the TruStone Visitors to Canada plan without pre-existing condition coverage, which is available to age 89.
What stability period does TruStone require for pre-existing conditions?
TruStone’s standard rates apply when every pre-existing condition has been stable for the 365 days before the effective date. Two reduced-stability options are available: 180 to 365 days stable, priced 11% above the standard rates, with specific exclusions such as losses related to a heart condition or stroke; and 90 to 180 days stable, priced 25% above the standard rates, with additional exclusions and surcharges. “Stable” means no new or changed symptoms, no change in medication dosage or frequency, no new medication, no hospitalization or non-routine medical consultation, and no test, procedure, or surgery prescribed or recommended.
How much does TruStone Super Visa insurance with pre-existing condition coverage cost for parents and grandparents?
A one-year TruStone Super Visa policy with $100,000 coverage, pre-existing condition coverage, and a $0 deductible costs $1,774.80 for ages 61–64, $2,005.20 at age 65, $2,257.20 for ages 66–69, $3,060.00 at age 70, $3,402.00 for ages 71–74, $3,963.60 at age 75, and $4,237.20 for ages 76–79. Super Visa applicants aged 80 and over must use the TruStone plan without pre-existing condition coverage.
What age brackets does TruStone use for visitor insurance rates?
What deductible options lower the cost of TruStone pre-existing condition coverage?
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. 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.
Does TruStone cover diabetes, heart conditions, or high blood pressure?
Stable conditions such as controlled high blood pressure or high cholesterol are covered when they meet the stability period. Diabetes — whether insulin-dependent, controlled by medication, or diet-controlled — is covered, but treatment of heart or stroke conditions in a diabetic visitor is excluded unless those conditions are specifically listed as covered on the confirmation of insurance. A combination of diabetes and a heart or stroke condition cannot be insured under the TruStone policy.
Is TruStone visitor insurance refundable if the Super Visa is refused?
Yes. If the Super Visa denial letter is provided before the effective date, TruStone refunds the premium without a short-rate penalty; if the letter is provided later, a short-rate penalty and administrative fees apply. Cancelling a policy used for a Super Visa application after arrival in Canada without a visa refusal letter carries a $250 fee. Any policy can be returned for a full refund within 10 days of receipt under the 10-day free look. 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?
How much more does TruStone charge for pre-existing condition coverage compared to its plan without it?
For a visitor aged 66–69 with $100,000 coverage and a $0 deductible, TruStone with pre-existing condition coverage costs $6.27 per day ($2,257.20 for a 365-day Super Visa policy), compared to $4.70 per day ($1,692.00 per year) for the TruStone plan without pre-existing condition coverage. The higher premium buys coverage for emergencies arising from stable medical conditions, which are excluded entirely under the lower-priced plan.
Does TruStone cover emergency hospitalization caused by a covered pre-existing condition?
Yes. When a disclosed pre-existing condition meets the stability requirement, an emergency arising from it — including hospitalization, physician care, diagnostic tests, prescription drugs, and ambulance — is covered up to the policy limit selected, subject to the deductible. Any change in a pre-existing condition before the effective date must be reported to TruStone and accepted in writing, or the condition is excluded. Emergency assistance is provided 24 hours a day by Trident Global Assistance.
Can I buy TruStone pre-existing condition coverage for a stay of a few months, and can it be extended?
Yes. TruStone rates are charged per day for any trip length up to a maximum of 365 days; for example, a visitor aged 41–60 with $100,000 coverage and a $0 deductible pays $3.58 per day, or about $644 for a 180-day stay. The policy 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.
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. Visitors planning trips to the United States should consider a plan that includes side-trip coverage.
Why choose TruStone for visitors with pre-existing conditions?
TruStone is one of the few visitor insurers offering three stability tiers (365, 180, and 90 days), so visitors whose condition changed recently can still obtain coverage. It also offers a 5% discount for couples, travelling companions, and returning customers, and a 2.25% discount for families insured together, plus a monthly payment plan ($50 set-up fee). The plan is administered by TruStone Health and underwritten by The Empire Life Insurance Company.
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.
How do I get a TruStone quote and buy 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. Underwriting is automatic based on the answers to the medical questions in the online application, and the policy receipt is issued as soon as 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. Underwriting is automatic based on your answers to the medical questions, 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 for help choosing the right stability option.

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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.