Insurance for Canadian
This insurance is
underwritten by CUMIS General
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
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 related to COVID-19 are covered under this
plan, if there is no
Level 3 or Level 4 travel advisory related to COVID-19 in
effect at your destination on the effective date of your
To view the travel advisories, visit the
Canada Travel site.
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
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
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;
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
f) have ever been
diagnosed with an auto-immune disorder; or
g) have ever been diagnosed with congestive
60 years old and over have to complete the
to determine rate category.
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.
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.
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 :
Multi-Trip Basic, which is Emergency Hospital Medical
insurance (8, 15, 35, 60, 125-day multi-trip plans)
Multi-Trip Select (8, 15, 35 multi-trip plans), which
has two options:
Option 1 includes Emergency Hospital Medical insurance and
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.
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.
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?
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:
accommodation and reasonable and customary services
and supplies necessary for your emergency care during
confinement as a resident in-patient.
services of a legally licensed physician, surgeon, anaesthetist or registered graduate nurse.
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.
Emergency out-patient services provided by a hospital.
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
services of a legally licensed physiotherapist, chiropractor, osteopath,
chiropodist, podiatrist or acupuncturist for treatment
of a covered injury. Not to exceed $500 per profession.
use of a licensed local air, land, or sea ambulance
(including mountain or sea evacuation), to the nearest
hospital when reasonable and necessary.
Transportation to the nearest appropriate medical
facility or to a Canadian hospital due to a covered
emergency sickness or injury.
to $4,000 emergency treatment in the case of accidental blow to
face and up to $500 for the relief of
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
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.
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.
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
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
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
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.
The product-related information is for illustration purposes only.
For complete benefits, terms, conditions, limitations and exclusions, please refer to the Policy wording.
you have questions about this coverage, or want to make changes
to your existing policy or to purchase the policy, please, call
1-877-443-0101 or click here to
ask your question online.
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%.