Travelance: 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.
Pre-existing 2 person

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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
Essential Plan
Premier Plan
Eligible For
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC
Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC
Coverage Amounts
$25,000 / $50,0000 / $100,000 / $150,000
$25,000 / $50,0000 / $100,000 / $150,000
Emergency Hospitalization
Physician’s Services
Ambulance Services
Diagnostic, Laboratory & X-Rays
Therapeutic Equipment Rental & Purchase
Prescription Medications
30 day supply – $1,000
30 day supply – $10,000
Emergency Dental Repair
Injury $2,000 / Non-Injury Pain $300
Injury $4,000 / Non-Injury Pain $500
Repatriation of Remains
Cremation/Burial at Destination
Identification of Remains
Round-trip Air + $450 Expenses
Round-trip Air + $450 Expenses
Follow Up Visits
Pre-existing Medical Conditions Coverage
Paramedical Specialists Services
Accommodations & Meals
$150/Day, Maximum $1,500
Hospital Stay Allowance
Up to $250
Return of Baggage & Personal Effects
Accidental Death & Dismemberment
Waived Deductible
First $250 of deductible will be waived when hospitalized for 72 consecutive hours
First $1,000 of deductible will be waived when hospitalized for 48 consecutive hours
Changing the Effective Date:
If you need to change the Effective Date (start date of your insurance coverage), you can request it from our Insurance Advisors before your coverage has begun at no additional charge.

However, all request for changing the effective date sent AFTER the start date of your coverage may incur an administration fee of $50.

Side-Trips Benefit:
Travelance will cover eligible medical emergency expenses that are incurred anywhere outside Canada, except for your country of origin, if you physically remain in Canada for more than 50% of the policy period before you submit a side-trip claim. The maximum duration of each covered side-trip is 45 days in a row and it must begin in Canada.

Trip-break Exclusion: Please note that if you are planning to take a trip to your country of residence during the coverage period, you will have to cancel your policy with Travelance and get a new one at the time you decide to return to Canada.

Travel to Canada Coverage:
Unlike many other Canadian insurance providers, with Travelance, your health insurance coverage will begin from the date of departure from your home-country on your way to Canada, if your travel time does not exceed 48 hours.
Waiting Period:
Please, note that no Waiting Period applies to those Travelance insurance policies, which begin on your Departure Date or, in other words, the day you travel to Canada.

– 24-hour waiting period for injury / 48-hour waiting period for sickness will only apply if your insurance Start Date commences after the Departure Date within 30 days.
– 48-hour waiting period for sickness applies, in case you are continuing medical insurance coverage from an existing policy with no gap in coverage.
– 7-day waiting period will apply for sickness, if your insurance Start Date is more than 30 days from your actual Departure Date.

Policy Wording:
Policy Wording is an official document issued by Travelance, which provides you with detailed descriptions of insurance benefits, coverage limitations/exclusions, claim and refund policies as well as other important information.

Please read this document carefully in order to clarify any confusions you might have in regards to medical emergency insurance that Travelance provides for people visiting Canada.

Click to view – Travelance Premier Plan | Policy Wording

Click to view – Travelance Essential Plan | Policy Wording

Eligibility Requirements
Please confirm your eligibility for Visitors to Canada & Super Visa insurance from Travelance before purchasing your policy.

You can also go over Pre-Existing Medical Conditions coverage details below.

Eligibility Requirements:
– You must not have a medical condition for which a doctor has advised you not to travel.
– You are older than 14 days and under 86 years old during the entire period of coverage.
– You do not have a surgically untreated aneurysm.
– You are not eligible for provincial health benefits.
– You do not reside in a nursing home or require assistance with daily living activities.
– You have been diagnosed or received treatment for lung condition requiring the use of oxygen in the last 12 months before the start date of your insurance.
– You have been diagnosed with or treated for: Congestive heart failure, AIDS / HIV, kidney condition requiring dialysis, Alzheimer’s or dementia, pancreatic or liver cancer, any kind of metastatic cancer, condition requiring a bone marrow or organ transplant.
– In the 12 months immediately prior to the start date of your insurance you have not been: a) diagnosed with or received treatment for any 2 (two) conditions listed below; and b) Admitted to hospital for any 1 (one) condition listed below:

1. Coronary artery disease (including heart attack or angina)
2. Valvular heart disease (including stenosis, regurgitation or valve replacement)
3. Heart arrhythmia (including atrial flutter, atrial fibrillation, ventricular fibrillation or use of a pacemaker)
4. A lung or respiratory condition for which daily medication has been prescribed (including inhalers)
5. Diabetes requiring insulin
6. Stroke or mini-stroke (TIA)
7. Aneurysm
8. Blood clots
9. Gastro-intestinal bleed

Pre-Existing Medical Conditions Coverage:
Pre-existing Medical Conditions are only covered by Travelance: Premier Plan.

1) For visitors under the age of 69, pre-existing conditions are covered, provided they were stable in the last 180 days before the effective date of the policy.

2) For ages 70-79, pre-existing medical conditions are covered, provided they have been stable in the last 180 days prior to the effective date.

The following Pre-existing conditions are NOT covered for people 70-79 y.o.:

2a) Any heart condition including but not limited to heart attack, angina, arrhythmia or cardiac surgery.
2b) Any brain condition including but not limited to stroke, transient ischemic attack (TIA), mini-stroke, aneurysm or seizure.
2c) Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD), asthma, chronic bronchitis or emphysema.

3) For ages 80 and over at the time of application, there is no coverage under the policy for any Pre-Existing Medical Condition that were present on Your Effective Date.