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Destination : Canada
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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. Monthly Payment Plan: This policy can be paid by monthly installments if coverage is $50,000 or greater and trip duration is 180 days or longer .
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 (Waiting period may apply if the policy is purchased after departure from your country of origin).
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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. Two plans are available: with coverage for pre-existing medical conditions and without coverage for pre-existing medical conditions.
Eligibility.
As of the effective date, you are eligible for coverage if you:
a) are at least 15 days old; and
b) are not travelling against the advice of a physician; or
c) have not been diagnosed with a terminal illness; or
d) have not been diagnosed with or received treatment for pancreatic cancer, liver cancer or any type of cancer that has metastasized (migrated to another organ from its original site); or
e) have not been prescribed or used home oxygen in the last 12 months; or
f) have not been diagnosed with or received treatment for heart failure; or
g) have not had a major organ transplant (heart, kidney, liver, lung), bone marrow or stem cell transplant; or
h) have not received kidney dialysis treatment in the last 12 months; or
i) have not been diagnosed with an aneurysm of 4 centimeters or more in either length or diameter, that has not been surgically repaired.
Amount of medical coverage (Sum Insured) is available from minimum of $25,000 up to a maximum of $300,000
Choose from two plans
Option 1provides emergency medical coverage for Stable pre-existing medical conditions.
Option 2 does not provide coverage for any pre-existing medical conditions. This plan only coveres a new unexpected unforeseen accident or sickness.
Monthly Payment Option
The Monthly Premium Payment Plan is only available to applicants purchasing a minimum:
a) coverage period of at least 180 days; and
b) a minimum aggregate policy limit of $50,000.
Monthly Premium Payment Plan Schedule.
- A deposit of 2 months of premium payable by credit card is due at time of application.
- A third month of premium is payable on the effective date of the policy, as shown on your payment schedule included with your confirmation of coverage.
- After that, recurring credit card payments will be made each month on that date. Each monthly installment premium includes an additional $10 fee.
If the arrival date is postponed, or cancelled, the policyholder must contact their agent/broker, prior to the effective date to either:
• change the policy effective date to a future date; or
• request a refund of premium paid.
You may pay the outstanding premium for the full period of coverage at any time. The monthly premium surcharge will apply to the outstanding premium balance.
Age
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 $25,000; and $50,000 coverage and for ages 86+, amount of coverage may be $25,000.
Deductibles
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). The deductible amount (if any) is shown on your confirmation of coverage and applies to each claim.
Effective date of the policy means the later of:
- the date and time the completed application and premium are accepted, or
- the date indicated as the effective date on your confirmation of coverage; or
- the date and time you exit your country of origin.
Expiry date means the date and time coverage ends.
Coverage ends on the date indicated as the expiry date in your confirmation of coverage.
The following waiting period will apply and no claims will be payable for any sickness for which signs and symptoms occurred within:
♦ 48 hours after your effective date, if you purchased within 30 days after your date of departure from your country of origin.; or
♦ 7 days after your effective date, if you purchased 30 days or more after your date of departure from your country of origin.
Any sickness that manifests itself during the the above waiting period is not covered even if related expenses are incurred after the waiting period.
The waiting period will be waived if this insurance is purchased:
• before the date of departure from your country of origin; or
• before the date your existing Destination: Canada policy expires; or
• before the date any other existing health insurance coverage expires and there is no lapse or gap in coverage. In the event of a claim, you must provide satisfactory proof of your previous insurance coverage in order to have the waiting period waived.
Family plan
Family rates are 2X the Daily Rates based on the oldest member of the family. This plan is available, if all family members are under 60 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.
If you have incurred a claim, your file will be reviewed before deciding on granting an extension.
Automatic extensions to coverage
This coverage will be automatically extended:
a. for up to 72 hours, in the event of a delay of the common carrier (airline, train, bus, vehicle, or ferry), during the period of coverage, that 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 to travel home, if you are hospitalized at the end of period of coverage, as a result of a covered sickness or injury.
Refunds
- 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.
- If the insurance policy for one year was issued as part of the requirements necessary to obtain or maintain a visa and no proof of visa refusal is provided, a fee of $150 will be applied when cancelling this policy prior to the effective date.
- There will be no refund of premium if a claim has been made.
Side-trip outside Canada
Cost incurred outside of Canada are covered provided the majority of time is spent in Canada (at least 51% of your trip).
This policy allows you to make a temporary return to your country of origin. No insurance coverage will be provided in your country of origin and if you receive any treatment during this temporary return, any treatment relating to that medical condition will not be covered for the remaining period of coverage. The temporary return must be less than 51% of the period of coverage.
Summary of Medical &Hospital Benefits
Key Benefits |
Maximum Limit |
Maximum liability |
Choose from $25,000 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) |
Limited to a one-time 30-day supply per prescription and up to $1,000 per policy. |
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 on the scheduled return date |
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:
Age |
Option 1 |
Option 2 |
If at the time of application, you are 59 years of age or under |
Any pre-existing medical condition unless it was STABLE in the 90 days immediately before the effective date |
Any pre-existing condition |
If at the time of application, you are between 60 and 69 years of age |
Any pre-existing medical condition unless it was STABLE in the 120 days immediately before the effective date |
Any pre-existing condition |
If at the time of application, you are between 70 and 79 years of age |
Any pre-existing medical condition unless it was STABLE in the 180 days immediately before the effective date. |
Any pre-existing condition |
If at the time of application, you are 80 years of age or over |
Not Available |
Any pre-existing condition |
STABLE means a medical condition that is considered stable when all of the following statements are true:
1. There has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment); and
2. There has not been any change in medication (including increase or decrease of dosage), or any recommendation or starting of a new prescription drug, and
3. The medical condition has not become worse, and
4. There has not been any new, more frequent or more severe signs or symptoms, and
5. There has been no hospitalization or referral to a specialist, and
6. There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
7. There is no planned or pending treatment
All of the above conditions must be met for a medical condition to be considered stable.
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 emotional, mental or nervous disorders resulting from any cause, including but not limited to:
- Alzheimer’s disease or dementia; and/or
- any loss resulting from your minor mental or emotional disorder; and/or
- your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.
● Any sickness or injury when a trip is made for the purpose of obtaining advice, a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy, as well as any directly or indirectly related complication
● 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 or any treatment that is non-emergency, experimental, or elective such as cosmetic surgery, including any expenses for directly or indirectly related complications.
● 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 (Zurich Travel Assist).
● 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 the Assistance Centre (Zurich Travel Assist).
● 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 kilometers per hour; motorsport contests; stunt activities, exhibitions, or demonstrations of any kind; sport activities, if you are considered professional by the governing body of that sport and you are paid for your participation; heliskiing, ski jumping; skydiving, sky-surfing; scuba diving if diving depth does not exceed 30 meters (except if certified by internationally recognized and accepted program such as NAUI or PADI); white water rafting (except grades 1 to 4); street luge, skeleton activity; mountaineering; or participation in any rodeo activity.
● 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.
● Treatment or services that contravene or are prohibited by legislation under a provincial or territorial hospital/medical plan.
● Any loss incurred outside of Canada when you have not spent the majority of the period of coverage in Canada.
● Any loss incurred inside your country of origin.
● Any sickness, symptom, or injury that presented, recurred, or for which treatment was received during any temporary return to your country of origin during the period of coverage.
● Any act of terrorism or medical condition you suffer or contract when an official travel advisory was issued by the Canadian government stating “Avoid all non-essential travel” or “Avoid all travel” regarding the country, region, or city of your destination,
a) before your policy effective date; and/or
b) for your side-trip outside of Canada if the official travel advisory was in place on or before the date you leave for your side-trip.
This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory.
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.
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This website is owned and operated by Natalia Tatchkova, a member of the Financial Advisors Association of Canada, a life & health insurance broker licensed in ON, AB, BC, MB, NB, NS, NL, PE, SK and authorized to offer and sell insurance products from Destination Travel Group Inc. |