Newcomers Insurance
Are you or a family member travelling to Canada?
Our Visitors to Canada insurance offers a variety of emergency medical benefits to individuals travelling to Canada. The plan provides all the necessary components of an emergency medical plan and 24 hour travel assistance. It can be purchased before or after a visitor’s arrival – however we recommend purchasing in advance to ensure coverage begins on arrival in Canada.
Choose from 2 plans!
Classic Plan
- A light choice for essential emergency medical coverage
- Provides benefits for Emergency Medical Expenses, Emergency Return Home, and Travel Assistance
- No pre-existing condition coverage
Deluxe Plan
- Our most comprehensive coverage
- Builds on the benefits of the Classic Plan - some benefits featuring higher limits - and offers additional benefits including Emergency Paramedical Services, Visit to Bedside, and Accidental Death and Dismemberment
- Coverage available for pre-existing conditions! See policy for details.
Choose the one that suits you most!
Classic Plan |
Deluxe Plan |
|
Maximum Duration |
18 months | 18 months |
Emergency medical | $25,000, $50,000, $100,000 or $150,000 (Depends on plan limit chosen) |
$25,000, $50,000, $100,000 or $150,000 (Depends on plan limit chosen) |
Hospitalization |
Ward | Semi-Private |
Services of Physician, Surgeon, In-Hospital Nurse |
✓ | ✓ |
Ambulance |
✓ | ✓ |
Diagnostic, Laboratory & X-Rays |
✓ | ✓ |
Therapeutic Equipment Rental & Purchase |
✓ | ✓ |
Prescription Medications |
Only when admitted to hospital | 30 days up to $5,000 |
Emergency Return Home |
✓ | ✓ |
Emergency Dental |
- | Injury $3,000, Non-injury pain $300 |
Repatriation of Remains |
$5,000 | $12,000 |
Cremation/Burial at Destination |
$3,000 | $5,000 |
Identification of Remains |
- | Round-trip air + $450 expenses |
Follow Up Visits |
- | $3,000 |
Emergency Paramedical Services |
- | $500/category |
Visit to Bedside |
- | Airfare $3,000 + $1,000 expenses |
Accommodation & Meals |
- | $150/day, maximum $1,500 |
Accidental Death & Dismemberment |
- | Up to the plan limit chosen to a maximum of $100,000 |
Medical Assistance |
✓ | ✓ |
Family Rate |
2x eldest rate | 2x eldest rate |
Deductible |
$250 automatic | $0 |
Deductible Options | $0 (+10%) $250 (n/a) $1,000 (-10%) |
$250 (-10%) $500 (-15%) $1,000 (-20%) $5,000 (-30%) $10,000 (-45%) |
Visitors to Canada Classic Plan
The Classic Plan has been specifically created for Visitors to Canada, immigrants, and Canadians returning to Canada who are without a Canadian government health plan. It provides protection for unexpected medical emergencies while in Canada. Its flexible coverage offers a 10 day free look period and access to an experienced staff of multilingual assistance professionals to help with medical emergencies that may happen during the period of coverage.
- Plan Limits of $25,000, $50,000, $100,000 and $150,000 Emergency Medical Benefits are available for individuals over 14 days old and under 70 years of age on the start date
- Plan Limits of $100,000 Emergency Medical Benefits available for individuals over 69 years of age and under 85 years of age on the start date
- Plan Limits of $100,000 or more meet Super Visa Requirements
- Covers trips up to 18 months in duration
- Affordable Family Rates
- No coverage for Pre-existing Conditions
- Automatic $250 deductible
Visitors To Canada Deluxe Plan
The Deluxe Plan has been specifically created for Visitors to Canada, immigrants, and Canadians returning to Canada who are without a Canadian government health plan. This plan offers more than basic benefits to help protect against the unexpected costs associated with an accident or sickness while travelling in Canada.
- Plan Limits of $25,000, $50,000, $100,000 and $150,000 Emergency Medical Benefits and up to $100,000 Accidental Death and Dismemberment available (depending on plan limit chosen) for individuals over 14 days old and under 70 years of age on the start date
- Plan Limits of $25,000, $50,000 and $100,000 Emergency Medical Benefits and up to $100,000 Accidental Death and Dismemberment available (depending on plan limit chosen) for individuals over 69 years of age and under 85 years of age on the start date
- Additional and Upgraded Benefits compared to the Classic Plan
- Plan Limits of $100,000 or more meet Super Visa Requirements
- Coverage for pre-existing conditions (depending on age)
- Covers trips up to 18 months in duration
- Affordable Family Rates
- Deductible options available
Documents
Please login to advisor center to download the policy wording, rate chart and other documents. Or you can contact us.