Allianz Global Assistance

Canadian Expatriate Medical & Hospital Insurance is a good solution for Canadian citizens and residents:

• Working and living abroad and not eligible for a provincial health care coverage because of long absence from Canada;

• Wanting to continue their Allianz Global Assistance medical coverage when they return to Canada until they get a provincial health care coverage.

Insurance provides hospital and medical coverage for $100,000 (Standard plan), $500,000 (Enhanced plan) and $2,000,000 (Deluxe plan).

Who can apply?

What's on This Page

You must be as of the effective date:

a) be at least 15 days old and no more than 69 years old; and

b) be either:

   - a Canadian citizen or Canadian resident residing outside of Canada, or

   - a Canadian citizen or Canadian resident returning to reside in Canada, provided you were previously insured under an Allianz Global Assistance policy with no lapse in coverage; and

c) be in good health at the time you purchase your policy

Calculate the Cost of Insurance

(premiums and deductibles are in Canadian dollars)

Hospital & Medical Benefits

up to $100,000

Hospital & Medical Benefits

up to $500,000

Hospital & Medical Benefits

up to $2,000,000

Eligibility and Key Features


Coverage is not available to any individual who:

a) has been diagnosed with a terminal illness; or

b)  has been diagnosed with or has had an episodes of congestive heart failure, or

c) has had their most recent heart surgery more than 10 years ago; or

d) has been diagnosed with Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or

e) has been diagnosed with stage 3 or 4 cancer, or cancer of the lung, liver, pancreas, or bone; or has received treatment for any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) in the past 3 months; or

f) has had a lung condition for which, in the last 12 months, they have been prescribed or used home oxygen; or

g) has received or is awaiting a bone marrow or major organ transplant; or

h) has been diagnosed with or received treatment for kidney disease requiring dialysis; or

i) has been diagnosed with an aneurysm that has not been repaired; or

j) requires assistance with activities of daily living.

Change in health

If you have a change in your health between the date you apply for coverage and your departure date or the effective date of any extension, you must contact your insurance representative or Allianz Global Assistance prior to leaving on your trip to fully understand how your change in health affects your coverage under this policy. Failure to do so may limit the amount of your claim payment or result in your claim being denied. If you have been medically underwritten, you will also need to complete a new medical questionnaire.

Waiting period

Coverage for losses resulting from any sickness will begin 48 hours after the effective date if you purchase your policy:

a) after the expiry date of an existing Allianz Global Assistance policy; or

b) after leaving Canada.

Any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period.

There is no waiting period for injuries.


Deductible options $500, $1,000, $5,000 are available for premium discount 5%, 10% and 30%.

Benefits "Vaccines" and "Physical Examination" are not subject to any deductible.

Policy Period and Extension

You can buy this policy for any number of months up to 12 months. If you need longer coverage, you can reapply for the next period. To avoid a claim waiting period, you should reapply for the next policy before the expiry date of your existing policy.

Each period of coverage is considered a separate contract and all limitations and exclusions will apply.

Refund of premium

A full refund will be provided for the policies which are returned within 10 days of purchase.

Partial refund is calculated by multiplying the monthly premium by the actual number of months the policy was in effect. This amount is then subtracted from the total premium paid.

There will be no refund of premium if a claim has been made.

Summary of Benefits

Hospital & Medical Benefits

Accidental Death & Dismemberment




Semi-private hospital accommodation for Standard plan and private room for Enhanced and Deluxe plans and reasonable and customary services and supplies necessary for your emergency care during confinement as a resident in-patient.

Medical Services

The services of a legally licensed physician, surgeon, anaesthetist or registered graduate nurse.

Diagnostic Services

Diagnostics lab tests and/or X-ray examination as ordered by a physician for the purpose of diagnosis.

Out-Patient Treatment

Emergency out-patient services provided by a hospital.

Prescription drugs

Drugs or medications purchased after the effective date that require a physician's written prescription, not exceeding a 90-day supply unless you are hospitalized as an in-patient. Prescription drugs or medications are covered in full while you are hospitalized. The amount payable is limited to $10,000.

Paramedical Services

The services of a legally licensed physiotherapist, chiropractor, osteopath, chiropodist, podiatrist or acupuncturist for treatment of a covered sickness or injury. 

Standard plan : up to $500, Enhanced plan : up to $1,000, Deluxe plan : up to $2,000.


The use of a licensed local air, land, or sea ambulance (including mountain or sea evacuation), to the nearest hospital when reasonable and necessary.

Emergency Transportation

Transportation to the nearest appropriate medical facility or to a Canadian hospital when necessary continuing medical care is required.


Dental Emergencies: up to $500 for the relief of dental pain.

Accidental Dental :

Standard plan : up to $3,000

Enhanced plan : up to $5,000

Deluxe plan : up to $5,000.

Return of Deceased (Repatriation)

Up to $10,000 for preparation and transportation of the remains to Canada, or up to $4,000 for cremation or burial at the place of death.

Return Home

Up to $5,000 for a one-way economy transportation by the most direct route to Canada if you are permanently unable to perform activities of daily living; or require long-term chronic care; or Canadian government issues an advisory to avoid non-essential travel or all travel to your destination after your departure date.

Transportation of Family or Friend

While you are hospitalized, up to a maximum of $3,000 for cost to transport your family member or close friend to you by round-trip economy class and up to $1,000 for the following expenses incurred by by your family member or friend after arrival: commercial accommodation and meals, essential telephone calls and taxi fares.


Up to $500 for an attendant ( not related to you by blood or marriage) to take care for any family member (under age 18, or physically or mentally handicapped), if you are hospitalized for 48 hours or more.


Up to 80% of the costs incurred by the mother for pre-natal care, childbirth or miscarriage, or related complications. The expected delivery date must be more than 10 months after the effective date.

The amount payable for all eligible expenses under this benefit is limited to:

     - Standard Option - $5,000,

     - Enhanced Option - $10,000

     - Deluxe Option - $25,000

For multiple policies with no lapse in coverage, effective date for this benefit means the effective date of the initial policy purchased.


Up to $100 for vaccination in any 12 month period, provided coverage has been in effect for minimum of 6 consecutive months.

Physical Examination

Reimbursement of one routine examination by a physician in any 12 month period, provided coverage has been in effect for minimum of 9 consecutive months.

Eye Examination (for Enhanced and Deluxe Options)

Reimbursement for services of a registered optometrist for diagnostic procedures to determine the presence of any observed abnormality in the visual system.

This benefit is limited by one visit in any 12 month period, provided coverage has been in effect for minimum of 9 consecutive months.

Automatic Extension of Coverage

If coverage expires while you are hospitalized, coverage will be extended during the period of hospitalization plus 72 hours after release from the hospital to travel home.

Exclusions and Limitations

Travel medical insurance does not cover everything!

This insurance has exclusions, conditions and limitations.

Pre-existing Medical Condition

A Pre-Existing Medical Condition exclusion may apply to a medical condition and/or symptoms that existed prior to your trip.

1. Standard Option

Benefits are not payable for costs incurred due to any sickness or injury or medical condition, whether or not diagnosed by a physician: a) for which you exhibited signs or symptoms; or

b) for which you required or received medical consultation; and

c) which existed prior to the effective date of your coverage.

2. Enhanced and Deluxe Options

Benefits are not payable for costs incurred due to or resulting from your medical condition or related condition that was not stable at any time during the stability period.

Stability period is the 365 days before the effective date.

Refer to the policy wording to see how this applies in your policy and how it relates to your departure date, date of purchase or effective date of insurance.

Some other Exclusions:

     - Traveling against the advice of a physician;

     - Benefits are not payable for costs incurred due to pregnancy, abortion, miscarriage, childbirth or complications  thereof, except as specifically provided under Maternity benefit

     - Any sickness or injury when such sickness or injury occurs in a city, region, or country for which Global Affairs Canada issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country, before the later of:

a) the effective date of your policy, or

b) the date you depart for the destination under advisory,

and such sickness or injury is due to, contributed to by, or resulting from the reason for the warning.

In addition, for multiple policies with no lapse in coverage, effective date, for the purposes of this exclusion, means the effective date of the initial policy purchased.

The product-related information on this website is for illustration purposes only.

For complete benefits, terms, conditions, limitations and exclusions, please see the Policy wording.

What to do if you get sick or injured

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, please contact Allianz Global Assistance at the telephone numbers shown on your policy confirmation.

You must notify AGA Emergency Assistance (toll-free 1-800-995-1662 or worldwide collect 416-340-0049) within 24 hours of admission to a hospital and before any surgery is performed.

When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.

Important Notice regarding claim procedure !

You, or someone on your behalf, must notify Allianz Global Assistance within 24 hours of admission to a hospital and before any surgery is performed. Failure to do so, without reasonable cause, will result in the reduction of eligible benefit amounts payable by 20%.

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to Allianz Global Assistance. Consult the claim guideline on your Policy wording.

If you have questions about this coverage, want to purchase a policy or extend the policy, please, call at 416-493-0101, 1-877-443-0101 or ask your question online.