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Choosing the right plan
Visitors to Canada – Single-Trip Plans

Emergency Medical

  • Offers protection from the cost of emergency medical treatment.

You are not eligible for coverage under this policy if any of the following apply to you:
  • you are travelling against the advice of a physician;
  • you have been diagnosed with a terminal illness with less than 2 years to live;
  • you have a kidney condition requiring dialysis;
  • you have used home oxygen during the 12 months prior to the date of application;
  • you have been diagnosed with Alzheimer’s disease or any other form of dementia;
  • you are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);
  • you reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre; and/or
  • you require assistance with activities of daily living.

Choose either Plan A or Plan B.

Plan A We will not pay any expenses relating to:
    • any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, within the six (6) months prior to the effective date;
    • your heart condition if, in the six (6) months before your effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
    • your lung condition if, in the six (6) months before your effective date, you required treatment with oxygen or Prednisone for your lung condition.

Plan B We will not pay any expenses relating to:
    • a pre-existing condition that is not stable in the six (6) months before your effective date; and/or,
    • your heart condition if, in the six (6) months before your effective date, it has not been stable or you have taken any form of nitroglycerine for the relief of angina pain; and/or,
    • your lung condition if, in the six (6) months before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition.

Under Plan B, applicants 35 years of age or over must complete the medical questionnaire.

Trip Interruption

If you have prepaid travel arrangements and want to protect yourself if your trip is interrupted, this insurance is available for purchase with a Single-Trip or the Multi-Trip Plans.

Travel Accident

Available for purchase with all Visitors to Canada plans and provides coverage for an individual trip.