Yes, you can choose to purchase a ‘Non-Medical Package Plan’, which includes benefits for Trip Cancellation, Trip Interruption, Trip Delay, Baggage & Personal Effects, Worldwide Accident, Personal Money, and Airflight Accident or a ‘Cancellation/Interruption Plan’ which provides benefits for Trip Cancellation, Trip Interruption and Trip Delay.

Yes, you can but coverage will be limited.

As per the policy wording:

‘You must be insured under a valid Canadian federal, provincial or territorial government health insurance plan (GHIP) or Canadian university health insurance plan (UHIP). Otherwise the limit of coverage is $25,000.’

Yes, purchasing emergency medical insurance anytime you travel outside of your home province/territory can provide you with benefits against sudden and unforeseen medical emergencies which may not be covered through your provincial/territorial health insurance plan. Common exclusions of government health insurance plans include prescription medication, ambulance charges and paramedical services.

Yes, however, it must be purchased prior to departing from Canada.

An Annual Plan provides you with the flexibility to travel multiple times throughout the covered period, without having to purchase a new policy each time you depart.

Annual plans are a great way to save money if you plan to travel more than once during a 365 day period. You can choose between a 15 or 30-day plan. If you have a longer trip planned, you may top up your Annual Plan by by purchasing a single trip emergency medical plan.

The 15-day or 30-day Annual plans may be topped up by purchasing a single trip emergency medical plan for the additional days required.

For example: You’ve purchased a 15-day Annual Plan (departing June 1), however one of your planned trips will be 20 days (ending June 20). You may purchase a single-trip plan to top-up your annual plan for the additional 5 days of your trip (June 16 – 20).

An All-Inclusive plan provides bundled benefits of emergency medical and non-medical insurance coverages all-in-one! Benefits include Emergency Medical, Trip Cancellation, Trip Interruption, Trip Delay, Baggage & Personal Effects, Personal Money, Worldwide Accident, and Airflight Accident.

Emergency Medical

  • Hospital and Medical  – Unlimited
  • Accidental Dental – Unlimited
  • Emergency Medical Evacuation/Return Home – Unlimited
  • Accommodation & Meals – $1,750
  • Hospital Stay and Allowance – $500
  • Repatriation of Remains – Unlimited
  • Cremation/Burial at Destination – $3,000

Note: The coverages listed above are for the Travelance TRIPs Emergency Medical Insurance Plan only. Coverages vary between plans. Please refer to the policy wording for benefits, definitions, exclusions, limitations, terms and conditions.

No. While there is no medical questionnaire required for the plan you have selected, there are Eligibility Requirements and Pre-existing Conditions which must be met in order to be eligible for coverage under a given policy.

Please note: not all policies have the same Eligibility Requirements or offer benefits for pre-existing conditions. Refer to the policy wording for benefits, definitions, exclusions, limitations, terms and conditions.

Trip Cancellation applies when the insured must cancel their covered trip before the departure date due to a covered and unforeseen event beyond their control as listed in the policy wording.

Trip Interruption applies when the insured must interrupt their covered trip while travelling (on or after their departure date) due to covered unforeseen events beyond their control as listed in the policy wording.

Contact the Emergency Assistance Provider prior to being admitted to the hospital or within 24 hours after a life or organ-threatening emergency. The phone numbers are listed on the Confirmation of Coverage (COC) provided to the you at the time of purchase, as well as in the policy under the ‘What To Do When You Need Assistance’ and ‘Claims Information’ sections.

To report a claim, call: 1-888-526-0111

When receiving medical treatment, be sure to keep all your documentation and original receipts as these may be required to review your claim.

Claim forms can be found at:

You may cancel your policy within 10 days of purchase if you have not departed on your covered trip and there is no claim in progress.

Outside of the ‘10 Day Right to Examine Period,’ Emergency Medical Insurance Plans may be refunded prior to travel or if you return home early, and no claims have been submitted or paid, a partial refund will be given for any unused days. If the insured returns to the departure point prior to the expiry date, then they may request a refund of the premium paid for the unused days provided that:

  • Proof is submitted for the date of return
  • A claim has not been incurred under the policy
  • A request for a premium refund is submitted to your agent

VTC Plans

Yes, our Visitors to Canada Emergency Medical plans meet the super visa insurance requirements when purchased for a period of at least one year with a minimum sum insured of $100,000.

For information about the super visa, please visit the Immigration, Refugees and Citizenship Canada website.

The Essential plan offers coverage for:

  • Those who are in good health and require a low-cost plan
  • Emergency medical up to the plan limit arising from sudden and unforeseen circumstances
  • There are no benefits for any pre-existing conditions

The Premier plan builds on the Essential plan and offers upgraded and additional benefits including:

  • Coverage for some pre-existing conditions (be sure to read the policy wording for complete details)
  • Accidental Death and Dismemberment (as per the plan limit, up to $100,000 maximum)
  • Repatriation $16,000
  • First $1,000 of any deductible waived when hospitalized for 72 consecutive hours

For a detailed comparison of the plan highlights, please see the ‘Policy Comparison’ on our website:
Compare both plans

A deductible is the amount of covered expenses, per event, that you are responsible for paying before any remaining covered expenses are paid under your policy. A deductible can help in reducing the overall cost of the insurance premium.

As per Citizenship and Immigration Canada (CIC), the super visa program requires proof of emergency medical insurance from a Canadian insurance provider for:

  • a minimum coverage period of one year, and
  • a minimum sum insured of $100,000

Provided you have not incurred a claim under this Policy, a refund for the unused days will be allowed less an administration fee. To complete the refund, we require proof of your early return to your home country.

Our Visitors to Canada Emergency Medical Insurance plans provide coverage for unforeseen emergency medical accident and sickness services. Coverage does not include medical check-ups or routine dental work.

As per the policy wording, an Emergency is defined as:

‘an unforeseen Sickness or Injury that requires immediate Treatment to prevent or alleviate existing danger to life or health of the individual. An Emergency no longer exists when medical evidence indicates that You are able to return to Your Home Country or continue with Your visit in Canada.’

Yes. If your super visa application is denied, we will provide you with a full premium refund for your policy. To complete the refund, we require a copy of your visa denial letter.

There is no medical questionnaire to complete for this policy. However, there are Eligibility Requirements which must be met in order to qualify to for coverage under the policy.

Please see pages 3 and 4 of the policy booklet. If you do not meet the Eligibility Requirements listed, you are not eligible to purchase the policy.

If you have a pre-existing condition and would like to purchase the Premier Plan, be sure your condition is eligible for coverage by reading the ‘Policy Exclusions’ section of the policy booklet.

Remember, there are no benefits for any pre-existing conditions available under the Essential plan or the Lite plan.

Side trips are covered as long as each side trip begins in Canada and is no more than 45-days in duration. At the time of any claim outside of Canada, the accumulated stay in Canada during the Period of Coverage must be more than 50% of the accumulated coverage days under this Policy. This Policy does not coverage in Your Home Country.

For details, please refer to policy wording on page 5-6 of the policy booklet. Side trips are not available under the Visitors to Canada Emergency Medical Insurance Lite Plan.

No. You must pay in full for the amount of days you require at the time of purchase. There is no option available to pay for your plan in monthly instalments.

  1. Read the policy wording carefully. You will be sent a copy to your personal email address
  2. Be sure you understand the policy wording. Pay close attention to the eligibility, benefits, and exclusions
  3. If you do not understand the policy wording or if you have any questions, call your insurance agent
  4. If you wish to cancel, you have 10 days from the application date to receive a full refund, provided the policy has not started
  5. Make sure you are familiar with the emergency assistance call in rules
  6. Carry page three of your Confirmation of Coverage (COC) with you at all times, while travelling this page has a handy wallet card that contains the Emergency Assistance numbers you will need to call in case of an emergency.