Travel insurance for visitors to Canada – Enhanced plan
Our enhanced plan for visitors to Canada up to age 85, provides comprehensive coverage up to $200,000. This plan is suitable for new immigrants waiting for their government health insurance and meets the requirements for the parent and grandparent super visa.
Overview
With our visitors to Canada enhanced plan, you can help protect your visiting friends and family against unexpected medical expenses. Medical care can be costly in Canada – which is why our plan includes health, dental and accidental death and dismemberment benefits, so you and your loved ones can affordably access medical care.
See the policy for detailed information on benefits, limitations and exclusions.
Key benefits
Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000
Dental benefits
Accidental death & dismemberment benefits
Coverage during side trips outside Canada (up to 49% of covered days, maximum 30 days)
Coverage during your uninterrupted flight to Canada at no extra charge when you purchase your plan before you leave home
Coverage until you arrive home on an uninterrupted flight from Canada
Eligibility
A visitor to Canada on holiday or with a work visa
A Canadian resident not covered by a Canadian provincial or territorial health insurance plan
Apply up to age 85
Medical questionnaire required at age 55 or older
Click “View more” to see what makes you ineligible for coverage
Ways to save
Family coverage – save when you travel with your spouse and dependent children (everyone must be under age 55)
Deductible of $100 – save 5%. With a $250 deductible save 10%, with a $500 deductible save 15%, with a $1,000 deductible save 20%, with a $5000 deductible save 35% and with a $10,000 deductible save 40%.
Save 5% with the travel companion discount
Coverage
Health services
Get emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000
Transportation and accommodations
Ambulance
Side trips
Keep coverage while travelling outside of Canada
Exclusions
We will not cover any expenses relating to any pre-existing condition that was not stable 180 days prior to your effective date
Click “View more” to read more about pre-existing conditions and waiting periods
Carry your policy everywhere you travel
Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for our Assistance Centre, available 24/7, if you need to access your benefits while you're away. In addition, get the TravelAid mobile app, which can provide directions to the nearest medical facility and local emergency telephone numbers.
You must contact the Assistance Centre before you receive any treatment while on your trip. If you don't, you will have to pay 20% of the medical expenses that would normally be covered under this policy, and some benefits may be limited or not covered.
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Top 5 questions about travel insurance
All our travel insurance plans for visitors to Canada start with a $0 deductible. You can save money with a higher deductible:
$100 deductible – save 5%
$250 deductible – save 10%
$500 deductible – save 15%
$1,000 deductible – save 20%
$5,000 deductible – save 35%
$10,000 deductible – save 40%
In our travel insurance policies, a "pre-existing medical condition" means any medical condition that existed prior to your effective date.
You can add extra days of coverage while you're visiting Canada provided that there has been:
- No event that has resulted or may result in a claim against the policy, and
- No change in your health status
You must call 1-800-268-3763 before your coverage expires or before the date you were scheduled to return home and pay the appropriate premium.
You can get a refund for the unused days of your trip if you return home before your scheduled return date provided that:
You have not reported or initiated a claim
You have not received any assistance services
Our travel insurance plans for visitors to Canada include a trip break benefit, which allows you to suspend your coverage without ending it if you visit home during your trip. Your coverage is immediately reinstated when you arrive back in Canada.
You must call 1-877-878-0142 or +1(519) 251-5166 to get approval from our Assistance Centre before you leave Canada
Your plan will not cover any expenses or benefits relating to emergency and non-emergency medical services for an injury that occurred at home or an illness that started at home
We do not refund your premiums for the days you are visiting home
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