Visitors to Canada Medical Insurance

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END DATE In New Immigrants/Returning Canadians/Foreign Workers mode, the End Date is set automatically to the minimum amount of days required for the specific province you choose. If you would like to manually set your End Date, please select IEC/Tourist/Visitor/Working Holiday mode.
Pre-existing 1 person If you have a stable existing medical condition, such as a damaged or sick organ, select Yes. If you do not have an existing medical condition, select No. Conditions that are not stable are not covered. Also, some specific conditions, such as heart disease, may not be covered. Please read this company's full coverage details to determine what pre-existing conditions are covered by this company.
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>
Pre-existing 2 person
Stable period <b>Stable means a pre-existing medical condition that:</b><br><br> 
a) did not require, or was not  recommended for any changes to existing treatment or new treatment;<br>
b) did not become worse during the chosen stability period.<br>
c) did not require a change in type or dosage of medication (if any are being taken by the person to be insured).<br><br>
<i>* Please note that if you are currently taking any medications and/or undergoing continuous treatment, expenses associated with these are not covered under any policy as per ongoing treatment exclusion.</i>

Your personal information is safe with us.
In order to calculate a personal insurance quote, simply select the number of applicants, their age(s) and indicate whether or not they have any pre-existing
medical conditions. To finalize your results, click on Calculate Quote after you choose desired policy duration and a coverage limit!

Summary of Benefits
Eligibility Requirements
How to Get a Refund
How to Make a Claim

COVID-19 Notice: Please stay up to date with the latest policy changes concerning COVID-19 coverage and eligibility requirements by using the following link – COVID-19 Insurance Updates
Summary of Benefits
Coverage Limit
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday
Coverage Amounts
$25,000 / $50,000 / $100,000 / $150,000
Repatriation to Home Country / Medical Attendant
$5,000 / Covered
Paramedical Services of Chiropractor, Osteopath, etc.
Up to $500 per category
Dental Repair Services
Dental Pain Relief
Up to $300
Registered Nurse Services
Up to $10,000
Child Care
Up to $500
Out-of-pocket Expenses
Up to $1,000
Transportation of Remains
Stable Pre-existing Conditions Coverage
Ambulance Services
Medical Care
Laboratory Diagnostics/X-Ray
Out-Patient Treatment
Prescription Medication
30-Day Supply
Changing the Effective Date:
If your travel plans change after you purchased your policy, you can request us to change the Effective Date on your file by contacting our Insurance Advisors.

An Effective Date is the start date your insurance coverage begins. Therefore, all date changes must be made before your policy is in effect.

Waiting Period:
There is no waiting period if you apply for GMS medical coverage prior to your arrival in Canada or it is an interrupted continuation of medical coverage issued by GMS or similar insurance provider.

1) If you apply for GMS medical insurance coverage within 30 days of your arrival in Canada, there is a 2 day (48 hours) waiting period following the Effective Date.

– a) An emergency is a result of a physical injury.
– b) You have an active insurance plan with similar coverage issued by a licensed Canadian insurance provider.

2) If you apply for GMS coverage having been in Canada for more than 30 days, the waiting period is 7 days (168 hours) for all emergencies from the Effective Date.

– a) An emergency is a result of a physical injury.
– b) You have an existing plan with GMS or other insurance provider licensed to operate in Canada.

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.

Side-Trips Benefit:
With GMS insurance policy for Visitors & Immigrants to Canada, you can enjoy the coverage almost anywhere in the world. Side-Trips benefit is designed to provide you with a convenience of using the same insurance plan while travelling outside Canada with some additional benefits such as Air Ambulance, Special Attendant and Escort of Insured Dependent.

In order to be eligible for the Side-trips Benefit:

a) Your trip has to start and end in Canada.
b) You MUST physically remain in Canada for more than 50% of your coverage period with GMS insurance.
c) Coverage includes the Side-Trips to other countries that are up to 30 consecutive days in duration.
d) The trip is NOT to your country of origin / permanent residence.

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.

Policy Wording:
Policy Wording is a detailed plan description, reading which you will find all the information about GMS health benefits, coverage limitations, claim and refund instructions. Read this policy carefully before you buy the product in order to clarify all confusions you may have.

Click on the following link to view – GMS Policy Wording.

Eligibility Requirements
You are eligible to buy GMS Visitors & Immigrants plan, if you are under 55 y.o. and:

– You are NOT eligible for and/or covered by any Provincial Healthcare Plan in Canada.
– You DO NOT have a reason to seek medical attention when you apply for coverage.
– You are NOT applying for coverage from within Canada and had a medical treatment in excess of $5,000 during the last 12 months prior to applying for GMS insurance.
– You have NOT been refused an insurance coverage from a similar insurance provider to GMS.

If you are 55 years old or older, you must meet other conditions outlined below:

Limitations & Eligibility Requirements:

You must meet certain conditions that set out in Eligibility section in order to be eligible for an insurance policy offered by GMS.

If you are fifty-five (55) years of age and older you are NOT eligible if you:
1. are eighty 80 y.o. or older on the policy effective date;
2. have any reason to seek medical treatment, excluding the regular care of a chronic condition or medical evaluation required to satisfy travel visa requirements;
3. are currently in Canada, and have ever been denied similar coverage offered by another Canadian insurer;
4. are currently in Canada, and had more than $5,000 in medical treatment in the last year while in Canada;
5. are expecting medical treatment for heart disease;
6. are waiting for test(s) for a suspected heart condition;
7. are taking prescription drugs for heart disease while taking insulin to treat diabetes;
8. have an implantable cardioverter defibrillator (ICD);
9. fainted or fell more than once without medical diagnosis (syncope);
10. use home oxygen for a medical condition;
11. take oral steroids to treat a lung condition;
12. are being treated for cancer or have Metastatic Cancer;
13. have a vascular aneurysm that is surgically untreated;
14. have ever had: a) a valve replacement; b) kidney (renal) dialysis; c) an organ transplant;
15. were diagnosed; received new medical treatment (e.g. consultation, tests or prescription drugs); or had a change in your medical treatment (e.g. a stop, start or dosage change to a prescription drug, other than a dosage change of Coumadin or Warfarin) for, any of the following conditions in the last twelve (12)months:
a) congestive heart failure;
b) atrial flutter;
c) atrial / ventricular fibrillation;
d) peripheral vascular disease;
e) stroke / transient ischemic attack (TIA);
f) acquired immune deficiency syndrome (AIDS);
g) terminal illness;
h) blood clots; or
i) gastrointestinal bleeding; and
16. require assistance from another person(s) with activities of daily living (ADL) if you are seventy (70) years of age or older.

If any of the medical conditions listed above apply to you, contact please contact us immediately since you will not be eligible for GMS’s policy.

Pre-Existing Medical Conditions Coverage:
Please note that all GMS Visitors to Canada plans automatically include coverage for Pre-existing Medical Conditions that have been stable for at least 180 days immediately before the effective date. Please, note that certain limitations apply.

Your medical coverage is a subject to various exclusions and limitations, which are outlined in the Exclusions section of the GMS | Policy Wording.

How to Get a Refund
Note that NO refunds are issued if there were any claims initiated, pending or paid for during the period of coverage with GMS or if you request a refund after the expiry date of your policy. Certain exclusions apply.

Full Premium Refunds:
You are eligible to receive a Full Refund in case:

1) You cancel your policy within the first 10 days from the date of purchase prior to the Effective Date of your insurance policy.
2) Your travel visa application has been refused (including Super Visa). A satisfactory proof of Visa Refusal is required.
– A) Before the effective date set on your GMS medical insurance policy. No fee.
– B) Past the effective date, if GMS is notified once the policy start date has commenced. There will be an administration fee of $40.

Partial Premium Refunds:
Request a Partial Refund, which may require you to pay an administration fee of $40, when:

– a) You send a request for a Partial Refund after your policy becomes effective in case no travel to Canada has taken place. The refund will be calculated from the date that GMS was notified.
– b) Early Departure – return to your country of origin before the expiry date on your GMS insurance policy. Such refund will be calculated starting from the date you left Canada.
– c) You become eligible for a Provincial Healthcare Plan, while your GMS insurance policy is still in effect. The refund will be calculated starting from the day GMS was notified and not the effective date of your provincial insurance plan.
– d) Death occurs while the insurance coverage is ongoing. The refund will be calculated from the date of death.

For a list of complete details on Refund availability refer to the GMS Policy | Wording section on Refunds.

In order to request a refund, please contact one of our Insurance Advisors.

How to make a Claim
In the event of a medical emergency, you or someone on your behalf must contact GMS with 24 hours of treatment occurrence or hospital admission. Failure to notify GMS Emergency Assistance Center within the first 24 hours in the event of treatment or hospitalization will limit insurance benefits otherwise payable to 70% of eligible expenses up to the sum insured or $50,000.

Emergency Travel Assistance is available 24-hours a day, 7 days a week.

– Toll-Free – 1.800.459.6604 (within Canada & USA)
– Collect – 905.762.5196 (for all other locations)

Emergency Reporting & Claim Submission:

In order to proceed with a claim, after you have notified GMS of a medical emergency, you need to do the following:

– Fill out a Claim Form, medical records including a complete diagnosis from the attending physician and attach all original medical receipts for treatment and prescription medication.
– Send the form with your receipts to the address provided by GMS Emergency Assistant at the time of your call.

Limitation Period:

a) A written notice of claim must be sent to GMS within 30 days after contacting the provider.
b) A Proof of a Claim must be sent to GMS as soon as possible and no later than 90 days after the sickness or injury has occurred.
c) Any eligible expenses have to be submitted to GMS within 12 months from the date of the last eligible expense.

How to buy GMS insurance online?
In order to purchase GMS Immigrants & Visitors Insurance coverage online you can follow the list of steps below and receive your policy confirmation by email as soon as your payment is processed.
1 Step
Once you have calculated your personal quotes, click on “Buy Insurance” button to start your application. You will be then re-directed to GMS web-portal, where you will be filling out an insurance application form and completing the purchase online. You will need to do the following:

– Select if you require insurance for Super Visa.
– Choose Effective Date – The start date of your insurance coverage.
– Set Expiry Date – The end date of your coverage period.
– Indicate date of birth for each applicant.
– Select Deductible – Part of covered expenses payable out-of-pocket.
– Select Coverage Amount – Total limit you are insured for.
2 Step
You will need to indicate whether there is a sponsor for your insurance as well as include your contact information such as a full address in Canada where you are going to stay, your contact phone number as well as email address.

In addition, you will need to type first and last name as well as select their home country from the list provided.

3 Step
Here you will need to truthfully answer the Medical Questionnaire in order to confirm applicant’s eligibility for GMS Visitors & Immigrants insurance plan.

If you’ve answered “No” to all questions, you may proceed to the next step. Otherwise, don’t hesitate to contact us.

4 Step
Carefully read through the Declaration and click “I Agree” in order to proceed to the
5 Step
Review your coverage details and enter your payment information in the fields provided in order to finalize your application. Click on “Complete Purchase” button and once your payment is accepted by GMS, you will receive an email containing insured’s policy confirmation.
Need help deciding?
Select the best way to get in touch with our Insurance Advisors and let’s discuss your insurance options today!
Available Weekdays | 10am-11pm EST, Weekends | 12pm-8pm EST
Arbetov Insurance is a great place to get an insurance policy! They were able to explain how the coverage works including the fine print, break down refund conditions and helped me get a quote and complete the process online. I went with insurance from GMS as a returning Canadian and don’t have any complaints so far. Hopefully, I won’t ever need to use it but, as they say, it’s always better to be safe than sorry.
Liam M.
Please note that the above information is only a summarized version of the insurance benefits and conditions detailed in the official Policy Wording issued by GMS. GMS’s products and services are not currently offered in Quebec and New Brunswick.
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