Travelance: Visitors to Canada Medical Insurance
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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.
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).
– 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.
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
You can also go over Pre-Existing Medical Conditions coverage details below.
– 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
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.
Click on text-boxes below to see Travelance’s refund policy.
– 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.
– 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.
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
Hamilton,
Ontario
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.
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.
– 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.
– 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.
