The Destination Travel Group:
Visitors to Canada Medical Insurance
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Destination Canada Insurance - Quotes Calculator
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Important notes:
– A 2-month deposit is payable at the moment of purchase.
a) This is a security deposit for the last 2 month of the coverage period. This deposit becomes non-refundable once the policy is in effect.
– a 10% surcharge will apply to each monthly payment over the entire policy duration.
b) This surcharge is calculated based on the amount of the monthly premium.
Example: If the entire policy for 1 year costs $1200, then each monthly premium will be $100. A surcharge of $10 will be added to each monthly premium payable.
– The payment for the 1st month of coverage on the Effective Date.
c) All remaining payments will be charged from the credit card on file on that date each month while the policy is active.
d) Please note that in case the Effective Date is on the 29th, 30th or the 31st of a month, then consecutive monthly payments will be charged on the 28th for the remainder of the coverage period.
– In case of a failed payment, Destination Canada reserves the right to charge a $25 fee each time they are unable to collect the payment from the credit card on file.
Trip-break Exclusion: You are allowed to visit your home country with an intention to return to Canada during the period of insurance coverage without having to cancel your policy. However, the costs incurred for any medical services in your country of origin are not covered by the Destination Canada.
A waiting period will apply, if the policy is purchased:
– after arrival in Canada.
– after the expiry date of an existing insurance coverage plan with Destination Canada or another insurance provider.
a) 48-hour waiting period – if you purchase this policy within the first 30 days following the departure from your country of origin.
b) 10-day waiting period – if you purchase this policy after the 30 days following the departure from your country of origin.
Important Notice: Expenses related to any sickness that manifests itself during the waiting period are not covered under this insurance plan, even if the costs are incurred after the waiting period has ended.
Click to view – Destination Canada | Policy Wording
– Be at least 15 days old.
– Be in good health with NO reason to seek medical attention at the moment of purchase and upon the Effective Date of the policy.
Please note that you will need to meet other eligibility requirements outlined below.
Coverage is NOT AVAILABLE to any person who:
– Has been diagnosed with a terminal sickness.
– Has been prescribed or used home oxygen during the last 12 months.
– Has had a major organ transplant including heart, liver, lung, kindney and/or bone marrow or stem cell transplant.
– Has been diagnosed with or received treatment for a heart failure.
– Has been diagnosed with or received treatment for pancreatic cancer, liver cancer or any type of metastasized cancer (migrated to another organ from its original site);
– Has had a major organ transplantation.
– Has had a diagnosed aneurysm (4 cm or larger either in diameter or in length) that has not been surgically treated.
– Has been treated with kidney dialysis within the last 12 months.
– Has been advised not to travel by a physician.
– Applicants age 59 and under: You can choose to include the coverage for pre-existing medical conditions, provided that they have been stable for at least 90 days prior to the effective date.
– Applicants age 60 – 69: You can choose to include the coverage for pre-existing medical conditions, provided that they have been stable for at least 120 days prior to the effective date.
– Applicants age 70 – 69: You can choose to include the coverage for pre-existing medical conditions, provided that they have been stable for at least 180 days prior to the effective date.
– Applicants age 80 and over: Pre-existing medical conditions are not covered.
Important Notice: There are other Exclusions and Limitations applicable. In order to go over it, please refer to the Policy Wording.
Click to view – Destination Canada | Policy Wording
Whether it is a Full or a Partial Premium Refund, you will need to present the official explanation i.e. copy of a Boarding Pass / Letter of Enrollment / Rejection Letter or other eligible documentation.
– Cancel their entire trip to Canada before the effective date.
– Have received a refusal of the Super Visa application.
– Have received a different visa than the one they have originally applied for.
Important Notice: A fee of $150 per policy will apply if cancelling an insurance coverage issued for one year or more prior to the effective date without eligible reason for cancellation.
– Early departure to the country of origin/citizenship without any intention of coming back to Canada such as a copy of the Boarding Pass.
– Eligibility / coverage under any Provincial/Territorial Healthcare Plan in Canada such as a copy of the official enrollment letter or the provincial health insurance card. Please note that you must not require private health insurance to maintain your visa and/or work permit eligibility in order to cancel your policy with the Destination Canada for a refund, if you become eligible for and covered with any government health insurance plan in Canada.
Partial refunds are calculated using daily insurance premiums – a number of days left on the policy before it expires. Moreover, Partial Refund amounts less than the minimum premium of $25 will not be issued.
In order to request a refund, please contact one of our Insurance Advisors.
Zurich Travel Assist is available 24-hours a day, 7 days a week.
– Toll-Free – 1-888-726-1839 (within Canada)
– Collect – 1-416-260-4553 (Worldwide)
Online Claims Submission
You can submit claims online by visiting Online Claims Portal
Important Notice:
– All claims must be reported within 30 days of occurrence.
– Written proof of claim must be submitted within 90 days of occurrence.
– Any costs incurred for documentation or required reports are the claimant’s responsibility.
– All eligible claims must be supported by original receipts from commercial organizations.
In order to file a claim you will need to:
– Fill out a Claim Form and attach all original medical receipts for treatment and prescription medication.
– Send the form with your receipts to:
Zurich Canada Travel Insurance
c/o Zurich Travel Assist
100 King Street West, Suite 5300
Toronto, Ontario, Canada, M5X 1C9
When submitting your claim, please include:
1. Fully completed and signed claim form with all original bills and receipts from commercial organizations.
2. Medical records including an emergency room report and diagnosis from the medical facility or a Medical Certificate completed by the treating physician.
3. For physiotherapy treatment benefit, a letter from the referring physician recommending a referral to the physiotherapist.
4. Any other documentation that may be required and/or requested by Manulife.
Detailed instructions on how to make a claim are outlined in the corresponding Policy Wording.
Please note that insurance coverage for more than 2 years consists of 2 insurance policies with a coverage period of 365 days on each.
– Choose Effective Date – The start date of your insurance coverage.
– Set Expiry Date – The end date of your coverage period.
– Type First and Last Names.
– Select applicant’s home country from the list provided.
Keep in mind that you need to be insured for the whole duration of you intended stay in Canada according to the IEC program requirements.
If you don’t have an address or phone number in Canada yet, you can use our company’s address until you get settled.
Deductible/Excess is the amount of money that you need to pay first, before the insurance company takes care of the rest, in case of a claim. It is best to keep the deductible low.
