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Wilberforce, ON

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Destination : Canada
Visitors to Canada Accident & Sickness Insurance

Underwritten by: The Manufacturers Life Insurance Company (Manulife).

Claims Administration and Assistance Services provided by: Active Care Management.

Managed by: The Destination: Travel Group Inc.


Who can apply? Destination: Canada is affordable medical insurance designed for visitors and travelers to Canada, foreign workers, immigrants to Canada and Canadians returning to Canada after living abroad and awaiting provincial health plan coverage.


This insurance meets all requirements for super visa for parents & grandparents visiting Canada, if amount of medical coverage is  $100,000 or greater and period of coverage is one year.


To get your free online quote, please click on the link below and you will be redirected to the Destination Travel Group secure website. You will also have an option to buy and get your instant policy on your email directly from the insurance provider.


What's on This Page

Policy Wording

Key Features

Summary of Medical Coverage

Pre-Existing Medical Condition &

    Other Exclusions


What to do if you get sick or injured

For assistance and to buy a policy over the phone, please call

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


COVID-19 coverage: COVID-19 related illnesses are covered when you meet the eligibility requirements of the policy, and were not aware of an exposure to COVID-19 prior to the policy effective date. There is no COVID-19 coverage for Side-Trips (outside of Canada).


What coverage will you have?

Destination Canada Visitors medical health insurance pays for emergency hospital and medical care or services, if a medical condition occurs during the period of coverage.


Eligibility. Coverage is NOT AVAILABLE to any individual who:

a) has been diagnosed with a terminal illness; or

b) has Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or

c) has been prescribed or used home oxygen treatment in the last 12 months; or

d) has been diagnosed with or treated for congestive heart failure; or

e) has had a major organ transplant (heart, kidney, liver, lung), or

f) has received kidney dialysis treatment in the last 12 months.

To be eligible for this policy you must, as of the effective date:

● be at least 15 days old and not more than 89 years old; and

● not be insured or eligible for benefits under a Canadian government health insurance plan; and

● be in good health at the time you purchase your policy and on the effective date, and know of no reason why you would attend any medical consultation during the period of coverage.

This policy does not cover any losses incurred when a diagnosis or treatment was received, prior to the effective date, for pancreatic cancer, liver cancer or any type of cancer that has metastasized (migrated to another organ from its original site).


Amount of medical coverage (Sum Insured) is available from minimum of $10,000 up to a maximum of $300,000


Choose from two plans

Option 1provides emergency medical coverage for your pre-existing medical conditions, which have been STABLE within 120 days before the effective date of the insurance.

Option 2 does not provide coverage for pre-existing medical conditions. This option is one of the cheapest Visitors to Canada insurance for an unexpected unforeseen accident or sickness.



Option 1: The applicant has to be over the age of 14 days old and has not reached the age of 80 years as of the effective date.

Option 2: No age limit. However, for applicants 80-85 years of age, this option provides $10,000 and $25,000 coverage and for ages 85+, amount of coverage is $10,000.



This insurance has no deductible. However, the Insured can choose to add one of the following deductible options: $250, $500, $1,000, $2,500, $5,000, $10,000 and receive a discount of 10%, 15%, 20%, 30%, 35%, 40% on the premium respectively. (Minimum Premium per policy is $25.)


Effective date of the policy means the later of:

- the date and time the completed application and premium are accepted

- the date indicated as the effective date on your confirmation of coverage; OR

- the first time you exit your country of origin.


Expiry date means the date and time coverage ends.

Coverage ends on the earlier of the following:

- the date indicated as the expiry date in your confirmation of coverage.

- the date you become eligible for coverage under a Canadian government health insurance plan.


Waiting period

Coverage for losses resulting from any sickness will begin 48 hours after the effective date, if you purchase your policy after your arrival date in Canada, or after the expiry date of an existing policy issued by the Destination: Travel Group Inc.
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.

However, if you are age 86 or older on the effective date, your waiting period is 15 days.

The waiting period may be waived if:

- the policy is purchased on or prior to the expiry date of an existing Destination: Canada policy.

- you have insurance with another insurer during the first part of your trip in Canada, and there will be no gap in coverage. You must provide satisfactory proof and receive written approval from the insurer.


Family plan is available, if all family members are under 70 years of age.


Extending your trip

If you decide to extend your trip, you may apply for a new period of coverage before your policy expiry date, provided you meet the eligibility requirements. Each policy or period of coverage is considered a separate contract and all limitations and exclusions will apply.


Automatic extensions to coverage

This coverage will be automatically extended:

a. for 72 hours in the event a delayed common carrier prevents you from returning to your country of permanent residence;

b. for 5 days, if you are medically unfit to travel due to a covered sickness or injury on or before the coverage expiry date.

c. for the period of hospital confinement plus 72 hours after release for you to travel home, if you are hospitalized at the end of period of coverage.



- The entire trip is cancelled prior to the effective date (full refund).

- You return to your country of origin prior to the expiry date (partial refund).

- You become insured under a Canadian provincial or territorial health/medical plan as long as you are not required to maintain coverage for work permit or other immigration purpose.

Minimum refund is $25.

Partial refunds are calculated on a pro-rated basis and are subject to a $25 administration fee.

A fee of $150 may apply if cancelling a policy issued for one year.

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


Travel worldwide

Cost incurred outside of Canada are covered provided the majority of time is spent in Canada. No coverage provided while in home country.


Summary of Medical &Hospital Benefits

Key Benefits

Maximum Limit

Maximum liability

Choose from $10,000 to $300,000

Emergency Hospital

Semi-private hospital accommodation

Emergency Medical

Emergency means a sudden, unforeseen sickness or injury occurring during the period of coverage, which requires immediate intervention by a physician or legally licensed dentist and cannot reasonably be delayed.

● Services of physician, surgeon, anesthetist

● Diagnostics, lab test and/or x-ray

● Licensed local land and or sea ambulance to the nearest hospital when approved and arranged by the Assistance Centre

● Private duty services of a registered graduate nurse up to $10,000

● Rental of medical appliances

Drugs or Medications (out-patient services)

Up to $1,000 not exceeding a one-month supply

Follow-up Visits

Up to $3,000 for follow-up visits

Professional Services

Physiotherapist, chiropractor, chiropodist, osteopath, podiatrist when ordered by the attending physician up to $500 per practitioner for treatment of covered injury

Accidental Dental

Up to $3,000 for emergency treatment for accidental blow to the face

Dental Emergencies

Up to $500 for the immediate relief of acute dental pain

Emergency Air Transportation / Return home

When pre-approved by the Assistance Centre

Transportation of Family

Up to $3,000 to transport one family member or close friend and up to $1,000 for meals and accommodation

Meals and Accommodation

Up to $150 per day to a maximum of $1,500 when hospitalized

Emergency Return Home

Up to $3,000 for the additional cost of a one-way economy transportation when approved by the Assistance Centre

Return of Deceased

In the event of death due to a covered sickness or injury:

a) Up to $10,000 for repatriation to home country, or

b) Up to $4,000 for cremation or burial at the place of death.

Accidental Death & Dismemberment

Up to the maximum sum insured not to exceed $150,000 for loss of life, limb or sight resulting from an accidental injury

Flight Accident

Up to a maximum sum insured of $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

This policy will not provide coverage, provide services, or pay claims for expenses incurred directly or indirectly as a result of:

a) If you are 79 years of age or under on the application date and selected Option 1 at the time of application:

Any pre-existing medical condition unless it was stable in the 120 days immediately before the effective date.

b) If you are 79 years of age or under on the application date and selected Option 2 at the time of application:

Any pre-existing medical condition.

c) If you are 80 years of age on the application date :

Any pre-existing medical condition.

Stable means a pre-existing medical condition that:

 -   did not require, or was not referred for any medical consultation;

 -   did not require a change in type or dosage of medication;

 -   did not exhibit any signs or symptoms.

Please Click here for details on this exclusion.


Some Other Exclusions

This policy will not provide coverage, provide services, or pay claims for expenses incurred directly or indirectly as a result of:

●  Any losses incurred when a diagnosis or treatment was received, prior to the effective date, for pancreatic cancer, liver cancer or any type of cancer that has metastasized (migrated to another organ from its original site).

●  Any emotional, mental or nervous disorders resulting from any cause, including but not limited to:

Alzheimer’s disease or dementia;

anxiety or depression;

suicide or attempted suicide; or

intentionally self-inflicted injury.

●   Any sickness or injury when a trip is undertaken for the purpose of securing medical treatment or advice.

●  Any loss, death or injury, if evidence supports that you were affected by, or the medical condition was in any way contributed to by: the use of alcohol, prohibited drugs, or any other intoxicant either before or during the period of coverage; the non-compliance with prescribed treatment or medical therapy either before or during the period of coverage; or the misuse of medication either before or during the period of coverage.

●   Any medical consultation that is non-emergency, elective or the consequence of a prior elective procedure.

●  Any medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy or travelling against the advice of a physician.

●  Any treatment, investigation or hospitalization which is a continuation of, or subsequent to, emergency treatment of a medical condition, unless approved in advance by the Assistance Centre.

●  Any treatment which can be reasonably delayed until you return to your country of origin (whether or not you intend to return) by the next available means of transportation, unless approved in advance by Allianz Global Assistance.

●  Hospitalization or services rendered in connection with general health examinations for “check-up” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol or any other substance abuse.

●  Injury resulting from training for or participating in:

-  speed contests usually and customarily in excess of 60 km per hour;

-  motor sport contests;

-  stunt activities, exhibitions or demonstrations of any kind;

-  professional sport activities; or

-  high-risk activities.

●  Any loss incurred as a result of pregnancy, abortion, miscarriage, childbirth or complications thereof

●  Any sickness or injury resulting from a motor vehicle accident where you are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance.

●  Any loss incurred outside of Canada when you have not spent the majority of the period of coverage in Canada.

●  Any loss incurred when, prior to the effective date, Global Affairs Canada issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country


Note: The product-related information is for illustration purpose only. For the full details of coverage, eligibility, exclusions, limitations and claims procedures, please refer to the Policy Wording.


Get a free quote &buy Online


If you need help to complete the online application, or for the questions regarding your policy status, to make changes to your coverage or travel dates, to extend the policy, or purchase this policy 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 in the case of emergency

Have your policy number or policy confirmation with you at all times. You must notify the Assistance Centre at

+1(519) 945-1068 (collect) or 1-833-886-1068

within 24 hours of any emergency medical treatment. You can find the emergency phone numbers on your policy confirmation and the Policy Wording (pg. 1).  When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.

Failure to notify the Assistance Centre, without reasonable cause, will result in the reduction of eligible benefit amounts payable by 20%. You will be responsible for any expenses that are not payable by the insurer.

To apply for benefits, complete the claim form and include all original bills. Incomplete forms will cause delay; refer to the Claims Procedures explained in this policy (pg. 5).

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