Insurance : Life  |   Mortgage Protection  |  Critical Illness  |  Disability  |  Health & Dental Benefits  |  Group Benefits for Small Businesses

Visitors to Canada  |  Super Visa  |  Travel Insurance for Canadians  |  Snowbirds & Seniors  |  International Student  |  Canadian Student - Study Abroad


Manulife   TuGo Traveller   TuGo Quest   GMS   Allianz   21st Century   Blue Cross   Destination   Tour+Med   Northbridge   Travelance



Allianz Global Assistance
Insurance for Canadian Travelers

This insurance is underwritten by CUMIS General Insurance Company,
 a member of the Co-operators group of companies, and administered by Allianz Global Assistance

Get a quote and purchase this insurance ONLINE directly from Allianz Global Assistance: please, click the link below and you will be redirected to the insurer's secure website. Please choose your plan and follow the on-screen prompts.


Get a Quote or Buy Online


Who can apply? To be eligible for medical coverage you must:
a) be at least 15 days old and no more than 89 years old; and

b) be a Canadian resident insured for benefits under a Canadian government health insurance plan during the entire period of coverage.


Long absence from Canada

If you are a Canadian citizen or Canadian resident residing outside of Canada and do not have a Canadian government health insurance plan you can apply for Allianz Canadian Expatriate Travel Medical insurance.


Coverage for COVID 19 related medical expenses

Medical expenses related to COVID-19 are covered under this plan, if there is no

What's on This Page

Policy wording

Emergency Medical Insurance

     (Single-Trip and Multi-Trip)

Key Features

Summary of Medical Coverage

Eligibility & Medical Questionnaire

   (for applicants 60 years old & over)

Pre-Existing Medical Condition


COVID-19 Insurance & Assistance Plan

What to do if you get sick or injured

For assistance and to buy a policy,

 please call at 

416-493-0101, 1-877-443-0101

Level 3 or Level 4 travel advisory related to COVID-19 in effect at your destination on the effective date of your policy.

To view the travel advisories, visit the Government of Canada Travel site.


Now available: Allianz COVID-19 Insurance and Assistance Plan: This policy covers COVID-19 related expenses only. It may complement the traveler's existing emergency medical insurance plan (with Allianz or other insurers), which does not provide COVID-19 coverage:  Get a quote.


What coverage will you have?

Emergency Medical Insurance (Single -Trip plans and Multi-Trip Annual plans)


To be eligible for coverage you must, as of the date you apply for coverage and the effective date:

  a) not have been diagnosed with a terminal illness; or

  b) not have been diagnosed with stage 3 or 4 cancer; or have received treatment for any cancer (other than basal or squamous cell cancer or breast cancer treated only with hormone therapy) in the last 3 months; or

 c) not require assistance with activities of daily living as the result of a medical condition or state of health.

If you are age 60 or over, in addition to the preceding requirements, you are NOT eligible for coverage if, as of the date you apply for coverage and the effective date, you:

a) have been prescribed or used home oxygen for a lung/respiratory condition during the previous 12 months; or

b) had your most recent heart surgery more than 12 years ago or less than 6 months ago; or

c) have a diagnosed unrepaired aneurysm of 4 centimeters or greater, measured in either length or diameter; or

d) have received or are awaiting a bone marrow or major organ transplant; or

e) have been diagnosed with or received treatment for a kidney disease requiring dialysis; or

f) have ever been diagnosed with an auto-immune disorder; or

g) have ever been diagnosed with congestive heart failure.

Applicants 60 years old and over have to complete the Medical questionnaire to determine rate category.

Important Notice: You must meet the eligibility requirements of this policy at the time of application and on the effective date. If your medical status has changed since you completed the application, please contact your travel insurance representative or Allianz Global Assistance to review whether you're still eligible for coverage.


Single-Trip Plan

Provides coverage for a single trip: Worldwide, Worldwide excluding USA (includes up to 5-day transit coverage in USA). This policy can be purchased after departure from your province of residence, provided you are in good health, you have not incurred any losses after departure from Canada and you will continue to maintain coverage under a government health plan for the entire trip duration.


Multi-Trip Plan

You can take an unlimited number of trips within one (1) year. Coverage for each separate trip commences and becomes effective immediately upon your departure from your province or territory of residence and expires when you return to your province or territory of residence. Trips within Canada are limited only to the maximum number of days allowed by your provincial or territorial health insurance plan. Each trip taken outside of Canada can be up to the maximum days you selected when you purchased your Multi-Trip plan. For any trip which is longer, you can purchase a top-up before your departure.

Applicants 59 years of age and under can consider the following Multi-Trip annual plans :

a) Multi-Trip Basic, which is Emergency Hospital Medical insurance (8, 15, 35, 60, 125-day multi-trip plans)

b) Multi-Trip Select (8, 15, 35 multi-trip plans), which has two options:

Option 1 includes Emergency Hospital Medical insurance and Flight Accident

Option 2 (All-inclusive Travel plan) includes Hospital Medical insurance, Flight Accident: $100,000, Trip Cancellation ($1,000) and Trip Interruption ($2,000) coverage.

Applicants 60-84 years of age can apply for Multi-Trip Basic, which is Emergency Hospital Medical insurance (4, 8, 15, 35, 60, 125-day multi-trip plans). Medical questionnaire is required to determine the cost of insurance.



Deductible options $250, $1,250, $6,000, $12,000, $30,000, $100,000 are available for premium discount.


Family Plan

Available up to age 59. Family includes the applicant, no more than one additional adult family member and dependent children. Dependent children means unmarried children no more than 21 years of age. The premium for family coverage is calculated at 2 times the premium for the eldest adult age 59 and under.


Waiting period

If you purchase your policy after you have exited your province or territory of residence, any sickness that manifests itself during the first 48 hours after the effective date is not covered even if related expenses are incurred after the 48-hour waiting period.



If you decide to apply for additional coverage after you have left your province or territory of residence, you may apply for a new term of coverage if you:

a) make your application for extension prior to the expiry date of your policy; and

b) are in good health; and

c) have no reason to seek medical consultation during the new term of coverage.

If you have incurred a claim during your period of coverage, the insurer will review your file before deciding on granting an extension.

Each policy or term of coverage is considered a separate contract.



Refunds for Emergency Hospital & Medical Single-trip Insurance Plans are payable when:

a) the entire trip is cancelled prior to the effective date; or

b) you return to your province or territory of residence prior to the expiry date.>

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

Annual Emergency Hospital & Medical Multi-trip Plans are not refundable after the effective date.

Please refer to the Policy wording (pg. 47-48) for full details.


What does Emergency Hospital & Medical Insurance for Canadians cover?

The insurer will pay up to $10 million for reasonable and customary costs incurred unexpectedly by an insured Canadian resident during the period of coverage. Here are some of the benefits Emergency Hospital & Medical Insurance you receive:

Benefit Details

Emergency Hospital

Semi-private hospital accommodation 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

When performed at the time of the initial emergency, 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 that require a physician's written prescription, not exceeding a one-month supply. To a maximum $1,000 per insured person unless hospitalized as an in-patient.

Paramedical Services

The services of a legally licensed physiotherapist, chiropractor, osteopath, chiropodist, podiatrist or acupuncturist for treatment of a covered injury. Not to exceed $500 per profession.


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 due to a covered emergency sickness or injury.


Up to $4,000 emergency treatment in the case of accidental blow to face and up to $500 for the relief of dental pain.

Return of Deceased

Preparation and transportation to your permanent residence in Canada (up to $15,0000, or up to $4,000 for cremation or burial at the place of death.

Return to Original Trip Destination

If you are returned to your province or territory of residence under the Emergency Transportation benefit, and the attending physician determines that the treatment received in Canada resolved the emergency, a maximum of $5,000 will be paid, only when pre-approved and arranged by Allianz, for a one-way economy flight to return you and one insured travelling companion to the original trip destination.

Out-of-Pocket Expenses

Up to a maximum of $3,500 for additional reasonable living costs, child care costs (for travelling companions under age 18 or physically or mentally handicapped and reliant on you for assistance), essential telephone calls and taxi fares incurred by you or any insured persons remaining with you while you are hospitalized as an inpatient during the period of coverage.

Trip Break

for Single-Trip Plans

During the period of coverage yon may return once to your province or territory of residence for up to 15 consecutive days without terminating this policy. There is no coverage under this plan in your province or territory of residence. Refunds are not payable for any days you spend in your province or territory of residence during the Trip-Break. You must meet eligibility requirements of this policy when you exit your province of residence in order to continue coverage.

Other Benefits

Return of Traveling Companion, Attendant, Transportation of Family or Friend, Return of Vehicle, Return of Cat or Dog, Identity Fraud Recovery

24-Hour Travel Assistance Services

Coordination of all medical care, transportation, and repatriation; telephone interpretation services in most languages; monitoring of progress during treatment and recovery by managed care.

Automatic Extension of Coverage

If coverage expires while you are hospitalized, coverage will continue for all covered persons during the period of hospitalization plus 72 hours after discharge 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 Exclusion

If you are age 59 or under, stability period for pre-existing medical conditions is 90 days immediately before the effective date.

If you are age 60 or over, depending on your answers to the medical questionnaire, stability period may be 90, 180, or 365 days immediately before the effective date; or coverage for pre-existing medical condition may be excluded from the policy.

Please click here to learn how this exclusion applies to a medical condition and/or symptoms that existed prior to your trip.

Some other exclusions:

Benefits are not payable for costs incurred due to:

Any lung/respiratory condition if you have been prescribed or used home oxygen or prednisone for a lung/respiratory condition in the 12 months before the effective date;

Any heart condition if you were diagnosed with or had an episode of congestive heart failure before the effective date;

Any heart condition if your most recent heart surgery was more than 12 years or less than 6 months before the effective date;

Any heart condition if you have been prescribed or used nitroglycerine in any form for a heart condition in the 12 months before the effective date.

Any auto-immune disorder which was diagnosed before the effective date;

Any kidney disease requiring dialysis before the effective date;

An unrepaired aneurysm 4 cm or greater, measured in either length or diameter, which was diagnosed before the effective date;

For any sickness related to or due to any bone marrow or major organ transplant, or the need thereof;

● Any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) for which you received treatment in the 3 months before the effective date;

Traveling against the advice of a physician;

Routine pre-natal or post-natal care or elective treatment for pregnancy, including high-risk pregnancy;

Pregnancy, childbirth or complications thereof after the 31st week of pregnancy;

Any loss incurred in a city, region, or country when, prior to the effective date, the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country.

Please refer to the Policy wording for a full list of exclusions and limitations.


NOTE: The product-related information is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please refer to the Policy wording.


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


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

For 24/7 emergency assistance call Allianz Global Assistance:

Toll-free Canada/USA: 1-800-995-1662

Toll-free worldwide: 00-800-842-08420 or   Country code + 800-842-08420

If unable to contact us through the toll-free numbers, call collect: 416-340-0049. International operator assistance is required. Please confirm how to call collect to Canada from your destination prior to departure.


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 the Policy wording (pg.49-52).

Important Notice regarding claim procedure !

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




Site Map

Revised: August 11, 2022