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Fogo Island, NL

Manulife   TuGo Visitors   Destination   GMS   Allianz   21st Century   HMC   Travelance   TrueNorth Plan   Blue Cross



The plan is administered by AwayCare

TrueNorth Visitors Insurance

Underwritten by LS-Travel Insurance Company



Who can apply?

Visitors and travelers to Canada, returning Canadians, new immigrants who are awaiting Canadian government health insurance coverage, persons who are in Canada on a work visa, can choose from four plans offered by TrueNorth Visitors Insurance.

This insurance policy meets all requirements for Canadian parent and grandparent super visa if amount of coverage purchased is $100,000 or greater and period of coverage is one year.


Get a Quote


Questions?   Please call 1-877-443-0101, 416-493-0101

What's on This Page

Policy Wording

Key Features

Summary of Benefits

Pre-Existing Condition Coverage


Flight Delay Services

What to do if you need medical attention


What coverage you will get

Under this Emergency Medical Insurance, you are covered for the actual eligible expenses related to the medical attention you need if a medical Emergency begins unexpectedly after your policy effective date and when these expenses are not covered by any other benefit plan. The maximum amount payable is based on the plan you have purchased, as shown in your policy confirmation.



You are not eligible for coverage under TrueNorth Visitors insurance policy if on departure date, you:

a. are travelling against the advice of a physician;

b. have been diagnosed with or been given a life expectancy of 6 months or less;

c. have been prescribed and/or used home oxygen within the past 24 months;

d. have been prescribed or recommended the use of dialysis in the last 12 months;

e. are under 15 days old, or are age 89 years or older;

f. reside in a nursing home, home for the aged, other long-term care facility or rehabilitation center; 

g. require assistance with activities of daily living;

h. are awaiting or received an organ transplant;

i. have ever had any cancer with metastasis (which includes positive lymph nodes), or undergone chemotherapy (of any form, except cream) in the last 6 months;

j. have been diagnosed with or treated for Congestive Heart Failure.


Amount of coverage

The maximum amount payable is based on the plan you have purchased. The amount of coverage available: $25,000, $50,000, $100,000, 150,000 or $300,000


Age. You must be under age 90 on your effective date of insurance. Min age is 15 days.



a) Deductible. Deductible means the portion of eligible expenses you must pay from your own pocket when a claim occurs. The higher deductible, the less insurance cost.

Deductible Options $0 $200 $500 $1,000 $2,500 $5,000
Applicable Savings 0 10% 15% 20%  25% 35%

b) Family coverage is available if all family members are under Age 70, and you have purchased and paid the premium for Family Coverage. Family Coverage covers you, your Spouse, and children while travelling together and named on the Confirmation. Children must be at least 15 days of Age to be insured under this policy. Family coverage rates are 2x the premium rate of the oldest traveler..


Waiting period

Any sickness that manifests itself during "waiting period" is not covered.

Waiting period means the 48-hour period following and including your policy effective date of insurance if you purchase your policy:

• after the Expiry date of an existing TrueNorth Visitors to Canada policy; or

• after You leave Home country.

The Waiting Period will be waived if you purchased this policy prior to the Expiry date of an existing TrueNorth Visitors to Canada policy already issued, to take effect on the day following such Expiry date, provided that there is no increase in the coverage amount or change in the Plan you select.

There is No waiting period for injuries.

When coverage is purchased prior to leaving Home with an Effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight can include a stop-over provided you do not leave the airport.


Insurance coverage for side-trips outside Canada

This plan provides coverage throughout Canada.

This insurance provides coverage while travelling outside Canada (excluding Your Home country), as long as each Side-Trip originates and terminates in Canada and does not exceed 51% of the period of coverage spent in Canada.

During your coverage period, if you take a Side-Trip outside of Canada that is longer than that permitted in this policy, your Visitors to Canada coverage will be suspended for the remainder of your side-Trip but your coverage will not be terminated. When you return to Canada, your coverage will resume.


Extending your trip.

If your coverage period, as shown in your Policy Confirmation, is less than 365 days, you may extend your coverage up to a total coverage period of 365 days.

If you have had no change in your health status and have had no event that has resulted or may result in a claim against the policy since the Effective date of insurance, the extension may be issued upon request and your payment of the required premium. Otherwise, the extension is subject to the approval of the Company. In order to avoid the waiting period, purchase your extension of coverage before the Expiry date of your existing TrueNorth Visitors to Canada policy.


Automatic extension of your coverage is provided beyond the date you were scheduled t o return home as per your confirmation if:
• Your Common Carrier is delayed and prevents you from travelling on your Expiry date. In this case, your coverage is extended for up to 72 hours;

• You or your Travel Companion are Hospitalized on Your Expiry date. In this case, your coverage will be extended during the Hospitalization up to a maximum of 365 days or until you are Stable for discharge from the Hospital or for evacuation Home, whichever is earlier, and for up to 72 hours after discharge from the Hospital;

• You or your Travel Companion have a medical condition that does not require Hospitalization but prevents travel on your Expiry date, as confirmed by a Physician. In this case, your coverage will be extended for up to 5 days.



Full Refund is available within "10 Day Right to Examine" period after you received your policy.


Partial refund:

a) If your request for a refund is received more than 10 days after the date of purchase but before the Effective date of your insurance, a refund less a $100 fee.

b) If you obtain Canadian provincial or territorial government coverage, or return Home before the the policy expiry date  and have not reported or initiated a claim or been provided with any assistance services, a partial refund of the premium for the unused days is available less a $50 fee for the Standard and Enhanced Plan and a $25 fee for the Gold and Platinum Plan.

You will need to provide proof of the date you actually returned Home or the Effective date of Your Canadian government health insurance plan coverage.


Super Visa Insurance Policy (refund)

• If You are cancelling your policy, that was identified as a super visa policy, because your application for a Parent &Grandparent Super Visa was refused or rescinded, you must provide proof of visa refusal or proof of rescinded application with your request for a refund, which will be subject to a $100 fee.

You are not eligible for refund should you wish to cancel for any other reason not listed above on a super visa plan

• If you hold a Parent and Grandparent Super Visa and have purchased 365 days of coverage, and are requesting a partial refund due to your early return to your Home, and no claim has been reported, paid or denied, unused premiums may be refunded less administration fee when you have provided proof of return to your Home country.

If you have reported a claim or have a claim for which the payment has not been issued, or the total amount of the claim expenses will not exceed the deductible amount, you may apply to have such claim withdrawn. If approved, an administration fee will be deducted from any amount to be refunded.

No refunds are available, if you have submitted a claim that has been denied or paid.


Summary of Benefits







Coverage Limit

$25,000 $50,000 $100,000 $150,000

$25,000 $50,000 $100,000 $150,000

$50,000 $100,000 $150,000 $300,000

$50,000 $100,000 $150,000 $300,000


Benefit Limits (per person, per policy)

Emergency medical expenses (for all plans)

a) Medical care received from a Physician in or out of Hospital;

b) The cost of a Hospital room (semi-private room when available or

an intensive care unit when medically necessary);

c) The services of a licensed private duty nurse in Hospital;

d) The rental or purchase (whichever is less) of a Hospital bed,

wheelchair, brace, crutch or other medical appliance;

e) Tests needed to diagnose or find out more about Your condition.

Covered Covered Covered Covered

Prescription drugs (out-patient)

This benefit is limited to a 30-day supply and to the maximum amount





Follow-up Visits

Are covered up to the this benefit limit provided they are directly related to the medical Emergency





Paramedical services

Services of a licensed chiropractor, osteopath, chiropodist, physiotherapist or podiatrist for a covered Injury. This benefit is limited per Emergency.





Ambulance transportation

Reasonable and customary charges for local licensed ground ambulance service to transport You to the nearest appropriate medical service provider in an Emergency.





Emergency dental treatment

• Relief of dental pain, excluding crowns & root canals

• If you suffer from an accidental blow to the mouth, to repair or replace your natural or permanently attached artificial teeth.

• $200

• $1,500

• $400

• $2,000

• $400

• $2,500

• $500

• $3,000

Expenses related to death

• Preparation of remains and the cost of the standard transportation container, plus the return Home of remains or ashes

• Cremation or burial  at the place of death

• Identification of Remains - the return economy class airfare via the most cost-effective itinerary and expenses for hotel and meal.

• $5,000

• $3,000

• $100/day up to $500

• $7,500

• $4,000

• $100/day up to $750

• $10,000

• $4,000

• $150/day up to $1500

• $12,000

• $5,000

• $200/day up to $2000

Additional expenses for meals and hotel

If a medical emergency prevents you or your travel companion from returning home as originally planned, the insurer will reimburse you for expenses for your extra hotel, meals, essential calls and taxi fares.





Bedside companion

If you are travelling alone and are admitted to a hospital for 5 days or more because of a medical emergency, the insurer pays for the return economy class airfare via the most cost-effective itinerary for someone to be with you.





Hospital allowance

If You are Hospitalized for more than 72 hours, the insurer will reimburse You up to the benefits outlined below for out-of-pocket expenses such as telephone and television charges incurred by you when Hospitalized. Expenses must be supported by original receipts.

  $50/day up to $500

  $75/day up to $750

  $100/day up to $1,000

  $100/day up to $1,000

Childcare expenses

If You are admitted to a Hospital, the insurer will cover the expenses for an attendant to provide childcare services .

 $50/day  up to $500

 $75/day  up to $750

  $75/day  up to $750

$100/day up to $1,000

Emergency medical return home (for all plans)

• the extra cost of an economy class fare via the most cost-effective itinerary;

• a stretcher fare on a commercial flight via the most cost-effective itinerary, if a stretcher is medically necessary;

• the return economy class fare of a qualified medical attendant via the most cost-effective itinerary to accompany you, and the attendant’s reasonable fees and expenses, if this is medically necessary or required by the airline; or

• the cost of air ambulance transportation, if it is medically necessary.

Return of Children (for all plans)

If you are admitted to hospital for more than 24 hours or must return home because of an emergency, Manulife will pay for the extra cost of the children’s economy class airfare home and the return economy class airfare for a qualified escort when the airline requires it. The children must have been under your care during your trip and covered under this policy.

Trip Break

If you have requested and received prior approval from our Assistance Centre, you may return home without terminating your coverage. Your coverage will be suspended but will not terminate after you leave Canada and while you are home. Your suspension of coverage will end and your coverage will be reinstated when you arrive in Canada. There will be no refund of premium for any of the days during your return home.

Flight Accident (AD&D) /

24-Hour Accident (AD&D)

Not Included

Not Included

$50,000 /


$50,000 /



Exclusions and limitations. Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.

Pre-Existing Medical Condition Exclusion

If the Pre-Existing coverage was purchased, the insurer will not pay any expenses or benefits relating to any pre-existing conditions and/or symptoms unless the pre-existing condition meets the following guidelines:

a) Standard and Enhanced Plans

i) For 0-74 years of age: a standard stability period is 180 days  with option of a 90-day stability period  at additional cost.

ii) For 75+ years of age: a standard stability is 365 days with options of a 180-day and a 90-day stability period at additional cost.

b) Gold and Platinum Plans

i) For 0-74 years of age: a standard stability period is 180 days with options of a 90-day and a 30-day stability period at additional cost.

ii) For 75+ years of age: a standard stability period is 365 days with options of a 180-day, a 90-day and a 30-day stability period at additional cost.

NOTE: dates are based from the departure from Your home Country.


STABLE describes any Medical condition or related condition for which:

a) there has been no new Treatment; and

b) there has been no change in Treatment or change in Treatment frequency or type; and

c) there have been no signs or symptoms or new diagnosis; and

d) there have been no test results showing deterioration; and e) there has been no Hospitalization; and

f) there has been no referral to a specialist (made or recommended) and You are not awaiting the results of further investigations performed by any medical professional.

The following are considered STABLE:

• Routine (not prescribed by a Physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the time period specified in the pre-existing conditions exclusion as shown on Your Confirmation.

• Change from a brand name medication to a generic medication provided the medication was not first prescribed during the time period specified in the pre-existing conditions exclusion as shown on Your Confirmation and there is no increase or decrease in dosage.

• The routine adjustment of Coumadin or Warfarin provided the Coumadin or Warfarin was not first prescribed during the time period specified in the pre-existing conditions exclusion as shown on Your Confirmation.

•  A minor ailment


Other Exclusions

• Covered expenses that exceed 70% of those normally paid under this insurance, if you do not contact the Assistance Centre within 24 hours of Hospitalization, unless your Medical condition makes it medically impossible for you to call (in that case, the 30% co-insurance does not apply).

• Any Treatment that is not for an Emergency, including any elective or cosmetic surgery or Treatment.

• Continued Treatment of a Medical condition when You have already received Emergency Treatment for that condition during Your Trip, if Our medical advisors determine that the medical Emergency has ended.

• Magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies, cardiac catheterization, angioplasty and/or cardiovascular surgery including any associated diagnostic test(s) or charges unless approved in advance by the Assistance Centre prior to being performed. All surgery must be authorized by ACM prior to being performed except in extreme circumstances where surgery is performed on an Emergency basis immediately upon admission to Hospital.

•  A medical condition:

- when You knew, before you left Home, or before the Effective date of coverage, that you would need or be required to seek Treatment for that Medical condition during your Trip; and/or

- for which it was reasonable to expect before you left Home or before Your Effective date of coverage, that you would need Treatment during your Trip; and/or

- for which future investigation or Treatment was planned before You left Home; and/or

- which produced symptoms that would have caused an ordinarily prudent person to seek Treatment in the 3 months before leaving Home; and/or

- that had caused Your Physician to advise You not to travel.

• Any Emergency and non-Emergency medical services for any Injury that occurred or Sickness that started or was treated during any Trip break (Eligible expense #15) that You have taken or after the number of days permitted for Your side-Trip outside of Canada.

• An Emergency resulting from mountain climbing requiring the use of specialized equipment, including carabiners, crampons, pick axes, anchors, bolts and lead-rope or top-rope anchoring equipment to ascend or descend a mountain; rock-climbing; parachuting, skydiving, hang-gliding or using any other air-supported sporting device; skiing or snowboarding out of bounds, heli-skiing, ski jumping; participating in a motorized speed contest; white water rafting (except grades 1 to 4), street luge, skeleton activity, rodeo activity; or Your professional participation in a sport when that sport, snorkeling or scuba-diving is Your principal paid occupation; or snorkeling or scuba-diving (unless certified by an internationally recognized and accepted program such as NAUI or PADI and diving depth does not exceed 30 meters).

• Any loss Injury or death incurred due to:

a) Your emotional or mental disorders resulting from any cause, including but not limited to anxiety or depression; or

b) Your suicide or attempted suicide; or

c) Your intentionally self-inflicted Injury.

• Committing or attempting to commit a criminal or illegal act by You, a family member or travelling companion Your or beneficiary.

• Not following a recommended or prescribed therapy or Treatment.

• Any loss, Injury or death related to intoxication, the misuse, abuse, overdose, or chemical dependence on medication, drugs, alcohol or other intoxicant.

• Your routine prenatal care; pregnancy or childbirth or complications thereof when they happen in the 9 weeks before or after the expected date of delivery; Your Child born during Your Trip.

• For insured Children under 2 years of Age, any Medical condition related to a birth defect.

• Any benefit that must be authorized or arranged in advance by the Assistance Centre when it has given no authorization or made no arrangement for that benefit.

• Any Emergency that occurs or recurs after Our medical advisors recommend that You return Home following Your Emergency Treatment, and You choose not to.

• Any death or Injury sustained while piloting an aircraft, learning to pilot an aircraft or acting as a member of an aircraft crew.

• For consecutive policies and policy extensions: any Medical condition which first appeared was diagnosed or for which You received medical Treatment, after the scheduled Departure Date and prior to the effective date of the subsequent policy or insurance extension.

• Any follow-up visits outside Canada when the Emergency occurred in Canada.

• Any Medical condition You contract or suffer in a specific country, region, or city when a Government of Canada Travel Advisory, issued before Your departure to that country, region, or city advises Canadians to avoid all or non-essential travel to that specific country, region or city. In this exclusion, “medical condition” is limited, related or due to the reason for the travel advisory.

• Any Act of War or Act of Terrorism.

• Your participation in armed forces activities.

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


Note: The product-related information is for illustration purpose only. Please refer to the Policy Wording for details on the coverage provided, conditions, exclusions and claim procedure.


If you have questions, or need help to complete the application, or want to buy insurance over the phone, please call at 416-493-0101 (or 1-877-443-0101) or click here to ask your question online.


What to do if you need medical attention

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, you or somebody else MUST CALL THE ASSISTANCE CENTRE IMMEDIATELY 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.



1-833-268-0551 toll free from Canada or the U.S.,

or 1-514-657-8654 collect from anywhere else.


Call within 24 hours of Hospitalization. If You do not contact the Assistance Centre before receiving medical Treatment, you will have to pay 30% of the medical expenses We would normally pay under this insurance. If it is medically impossible for you to call when the emergency happens, the 30% co-insurance will not apply. Please call as soon as you can or have someone call on your behalf.

The Assistance Centre will verify and explain your coverage to you; refer you to a medical provider; arrange to have your covered expenses billed directly to the company where possible; and monitor your medical condition.


To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to the Assistance Centre. Consult the claim guideline in your Policy Wording (pg. 12).


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