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.
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
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.
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
Kudos to Arbetov and its team who helped me choose and buy the right product. Special appreciation for Lea who is an asset to the organization for her real good patience and perseverance in dealing with customers. She has an immense dedication for her work and for the company, she makes sure that the customer gets what he wants and assures value for money deal without losing her patience even for a bit. She is indeed a key asset for the company. Good Luck!!
Huzefa H.‎
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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