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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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.

Important: Please note that your policy must start within 1,095 days (3 years) immediately following the date you purchase your policy. If the policy does not start within the specified time frame, it will be cancelled and refunded.

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.
Temporary Return Home / Trip Break Benefit:
Starting September 2022, you can now temporarily suspend your Visitors insurance coverage under both Travelance Essential and Premier Plans when you decide to visit your home country during the coverage period and until you return to Canada.

Please note that no benefits are payable for any medical treatment received in your country of origin and you are only able to suspend your insurance prior to the expiry date of your policy.

In order to maintain eligibility, you must continue to meet policy requirements on each departure date from your home country (also applies to pre-existing medical conditions).

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.

How to Get a Refund
Please note that premium refunds will not be issued, if there were any claims made, pending or paid for during the period of insurance coverage.

Click on text-boxes below to see Travelance’s refund policy.

Full Premium Refunds:
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.

Partial Premium Refunds:
Partial Refunds will be issued if:

– You cancel your policy before the expiry 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.

How to make a Claim
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 Reporting & Claim Submission:

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 corresponding Policy Wording.

How do I apply for a 2 year coverage as an IEC Program Participant?
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.

1 Step
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.

2 Step
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”.
3 Step
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.
4 Step
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.
5 Step
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.
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malek javedaltafmalek javedaltaf
16:43 09 May 24
Best option for visit visa holder. Really great team, very supportive and responsive. Will recommend Arbetov as first option.
babatunde odubanjobabatunde odubanjo
14:26 06 May 24
Excellent customer service, considerate and passionate insurance provider in resolving your issues and ensuring every party is happy in providing services.
21:55 23 Apr 24
Excellent service from Lea.
Dhananjaya NeelkantDhananjaya Neelkant
20:01 09 Apr 24
Excellent customer service! Thanks Lea.
James EnsorJames Ensor
23:33 18 Mar 24
Fahim SaberFahim Saber
22:07 17 Dec 23
I have had the most seamless smoothest experience ever with this insurance company. Every change I had to make regarding my parents supervisa medical insurance was processed quickly with no complications. They have been understanding of my situation through all the ups and downs over the last few years including the difficult and complex covid periods. Particular kudos to Lea for making this complicated insurance experience a siimple and stress free process for me.
Igor KiselyovIgor Kiselyov
19:59 23 Nov 23
Great service, efficient communication, and a really easy way to get insurance with lots of help and support to get the right deal.
Colin TaylorColin Taylor
18:34 21 Nov 23
I have purchased a few policies with Lea, and each time the service was great! The last one took less than 10 minutes to complete!The polices itself are also good, as we have not had any problems with claims so far.
00:18 15 Nov 23
I have purchased parents visitor insurance twice from Arbetov. I got fast and patient response from Lea. Her professional attitude makes me confident to trust Arbetov. I will repurchase from this company.
Salinda RathnayekaSalinda Rathnayeka
19:26 10 Nov 23
I have been purchased travel insurances for my parents multiple times and they are super friendly and very helpful. Mainly, in contacted with Lea, helped me to find the correct cost effective products.
Anastasia YakubovskaAnastasia Yakubovska
17:12 08 Nov 23
Great fast service, have been with them for a few years now. Good options for insurance!
Natali ChizikNatali Chizik
18:08 06 Nov 23
Extremely nice and efficient staff! My go to for insurance
Gina BautistaGina Bautista
20:41 19 Jun 23
We purchased Supervisa insurance through Arbetov Insurance many times and they have been very helpful since the very start, especially Eugene and Lea.Highly recommended!!
Lai ReyesLai Reyes
22:31 15 Mar 23
My whole experience with Arbetov was very pleasant. From the purchase and payment down to the refund request. Credits and many thanks to Lea as she was the one who assisted me with everything. She was just so responsive and very helpful all throughout! 🙂
yasir aliyasir ali
15:02 03 Nov 22
Lea was very helpful and friendly. It was a great experience.
Ella KnurikElla Knurik
21:21 20 Aug 22
Lea provided a great and professional service and helped us to find the best medical insurance for us.
Fraser LindsayFraser Lindsay
21:33 02 Jun 22
The web site was the best,clear,simple to folow, and the help chat assistance was the iceing on the cake.Lea really put me at ease and gave me advice and did all the hard work of making the policy. I have never had such an understanding helper on line before. Deserves a pay rise!
Rajneel SinghRajneel Singh
04:56 15 May 22
Lea was super helpful. She made the process of getting insurance very easy and seamless. I called her multiple times and she was very happy to respond to all my emails and calls in very prompt time. Honestly this has been the most smoothest insurance provider I have seen so far. Thank you again Lea for your kind service and help, reassuring me all the way and being the star you are! Thank you
Francesca BisiFrancesca Bisi
19:53 11 Jan 22
I would give 10 stars if I could! :)I found this insurance company by chance 4 years ago and I could not have been more lucky. For the past 4 years I've been interacting with them and in particularly with Lea. She went above and beyond to always help me to find an insurance that could satisfy my needs. She was so professional and efficient. I will definitely recommend them to anyone who might need insurance advisors! :)Thank you very much for all your brilliant job!
Chetan DhotreChetan Dhotre
21:19 23 Mar 21
I used Arbetov when shopping for super visa insurance for my parents. I found them very well priced and of great value.Since then my mother's trip has been delayed many a time but Lea has been exceptional in promptly responding to my many requests to move the insurance start date.Well priced, prompt and friendly service. What more could you ask for!
Please note that the above information is only a summarized version of covered benefits and conditions detailed in the official Policy Wording issued by Travelance.
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