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Travelance: Visitors to Canada Medical Insurance

Travelance Essential Plan Insurance Calculator

Select visa type *
Start Date
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.
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 Conditions
Pre-existing/2nd person

Travelance: Visitors to Canada Insurance

Summary of Benefits: Essential and Premier Plans

Essential Plan

Premier Plan

Eligible For

Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday.

Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC / Working Holiday.

Coverage Amounts

$25,000 / $50,0000 / $100,000 / $150,000

$25,000 / $50,0000 / $100,000 / $150,000

Emergency Hospitalization

Up to sum insured

Up to sum insured

Services of Physician, Surgeon, In-Hospital Nurse Up to sum insured Up to sum insured
Ambulance Services Up to sum insured Up to sum insured
Diagnostic, Laboratory & X-Rays Up to sum insured Up to sum insured
Therapeutic Equipment Rental & Purchase Up to sum insured Up to sum insured
Pre-existing Medical Conditions Coverage


Prescription Medications

30 day supply – $1,000

30 day supply – $10,000

Repatriation/Evacuation Covered Covered
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



Emergency Paramedical Services – (Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist)


Accommodations & Meals

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.

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 Essential Plan Policy Wording

Click to view – Travelance Premier Plan Policy Wording

Eligibility Requirements:

You are not eligible to purchase this policy if:

– If you have a medical condition for which a physician has advised you not to travel.
– If you are under 14 days old or 86 and over years old.
– You are eligible for provincial health insurance benefits.
– You have surgically untreated aneurysm.
– You have been diagnosed with a terminal illness.
– You reside in a nursing home, rehabilitation center or require assistance with daily normal activities at the time you purchase this policy.
– In the 12 months before the effective date you have been prescribed or received treatment for lung condition requiring the use of home oxygen or oral steroids.
– You have been diagnosed with or received treatment for: Congestive heart failure, kidney condition requiring dialysis, pancreatic or liver cancer, or any kind of metastatic cancer, a bone marrow or an organ transplant.
– In the last 12 months immediately prior to the effective date of insurance policy, you have been diagnosed with or received treatment for in connection to any of the 2 following conditions. And/or if you have been hospitalized for any 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 Conditions Coverage:

Important Notice: 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.


Waiting Period:

Please, note that Waiting Period does not apply 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.

Important Notice: Expenses related to any claim due to sickness or injury that occurs during the waiting period are not covered under this insurance plan, even if the costs are incurred after the waiting period has ended.

For a full list of Eligibility Requirements and Waiting Period details, please read the following documents:

Click to view – Travelance Essential Plan Policy Wording

Click to view – Travelance Premier Plan Policy Wording

Premium Refunds:

Premium refunds will not be issued, if there were any claims initiated, pending or paid for during the period of coverage.

Full Refunds of insurance premium are available under the following circumstances:

– You request a full refund within 10 days from the moment of purchase, if it happens before the effective date of your policy. No fee is applied.
– You cancel your policy prior to the effective date if you are no longer eligible for coverage. No fee will apply.
– Your Visitors Visa, including Super Visa, was denied. No fee is applied. A satisfactory proof from CIC is required.
– You cancel your policy prior to the effective date if no travel to Canada has taken place. However, a $250 per policy fee will be deducted. A satisfactory proof of non-travel will be requested.

Partial Refunds will be issued if:

– You cancel your policy before the effective date due to Early Departure to your home country. However, $50 per policy will be deducted.
– You become eligible and/or covered by the Provincial Medical Care Plan. A cancellation fee $50 per policy will be deducted.
– You cancel your policy and decide to remain in Canada. Yet, $250 per policy fee will be deducted. A proof of alternative health insurance may be required.

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

Making a Claim with Travelance:

In the event of a medical emergency, you or someone on your behalf has to notify Emergency Assistance Provider prior to making a claim, if it is possible. If you do not contact Emergency Assistant Provider within the first 24 hours, you will have to pay 20% of any eligible medical expenses incurred by yourself.

You or someone on your behalf must also authorize Travelance to access all of your medical documentation from the treatment provider at the location you are hospitalized as well as your attending physician at home.

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

– Toll-Free – 1.800.334.7787 (within Canada & USA)
– Collect – 905.667.0587 (for all other locations)

In order to proceed with a claim you need to do the following:

– Complete a Claim Form.
– Attach all original medical receipts or other confirmation of payment.
– Attach or give access to a detailed medical documentation.
– Send the above documents to the address provided below.

Box 557, 100 King Street West
L8N 3K9

Please note that all claim forms must be submitted within the first 30 days from the moment you have received medical treatment. Written proof of the claim has to be filed within 90 days and no later than 12 months after the treatment was received or expense incurred.

Detailed instructions on how to make a claim are outlined in the following documents:

Click to view – Travelance Essential Plan Policy Wording

Click to view – Travelance Premier Plan Policy Wording

How do I apply for a 2 year coverage with Travelance?

Travelance: Essential and Premier are among the best travel insurance plans for IEC/Working Holiday visa holders. Follow those simple steps in order to apply for their 2 year IEC travel insurance coverage. You can click on “How to Apply” button to watch our Video Tutorial to guide you through the application process.

In order to apply for their 2 year coverage – you need to apply for two 12-month policies right away. The second 12-month insurance policy should start the day after the first insurance policy expires.

Step 1: Click on “Buy Online” or “Buy Insurance” buttons to start your online application process. You will be then re-directed to the Travelance secure portal, where you will be filling out an insurance application form. You will need to provide the following information:

– Effective Date, which has to match your Arrival Date in Canada.
– The “Initial Trip Deposit Date” indicates the date you make a purchase of your insurance policy.
– Expiry Date for your insurance policy. Keep in mind that you need to be insured for the whole duration of you intended stay in Canada according to the International Experience Canada (IEC) requirements.
– Set the Trip Cost to $0 (zero), in case you do not wish to purchase a Trip Interruption insurance supplement.
– Select “Canada” as your “Primary Destination”.
– Indicate the Province of Destination or select “Non-Canadian Resident”.

Once you have filled out the required information, proceed with Step 2.

Step 2: On the next page with a “Step 2” you will see a list of IEC insurance quotes with different coverage amounts. Choose either Travelance: Essential Plan or Travelance: Premier Plan for Visitors to Canada and click on “Purchase”.

Step 3: Enter your Personal Information and choose the deductible on the next screen. 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, not exceeding $1,000.

Step 4: You will be asked to provide your Contact Information i.e. in Street Number/Name, City, Province, Postal Code and Daytime Phone in Canada. If you don’t have an address or phone number in Canada yet, you can use our company’s address until you get settled.

Step 5: The last step is Credit Card payment. Just enter your CC information in the fields provided and once your payment is processed, you will receive your IEC travel insurance policy by email in a few minutes.

In case you have any questions one of our Insurance Advisors will be able to assist you.

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 Travelance.
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