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St. John's, NL

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    Blue Cross Visitors to Canada Insurance


Get your free online quote, buy and get your instant insurance policy online directly from the insurance provider: click on the link below and you will be redirected to the Blue Cross secure website. (Waiting period)



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

1-877-443-0101  416-493-0101

What's on This Page

   Policy Wording

   Key Features

   Summary of Benefits

  Pre-Existing Condition Exclusions

  Other Exclusions

 What to do if you got sick or injured

Who can apply? This product is offered to:

- immigrants or permanent residents awaiting eligibility for the government health insurance plan or to persons who completed the procedures for obtaining immigrant or permanent resident status;

- foreign workers in Canada who possess a work permit;

- foreign students in Canada who possess a study permit;

- Canadian citizens returning home after a long absence;

- visitors to Canada.

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



What coverage will you have?

Eligibility. In order to be eligible for Visitors to Canada insurance, the covered person must not:

•  Have received medical advice not to travel;

•  Suffer from an illness in a terminal stage;

•  Suffer from kidney failure treated through dialysis;

•  Have been diagnosed with or treated for a metastatic cancer;

•  Have been diagnosed with, had treatments or taken medication for cancer in the past 12 months (with the exception of basal cell carcinoma);

•  Suffer from heart failure or cardiomyopathy;

•  Be waiting for an organ transplant for one or several of the following: kidneys, lungs, liver, heart, bone marrow or pancreas;

•  Have used home oxygen or taken cortisone pills for a pulmonary condition in the past 24 months.



Covered persons must be a minimum of 31 days old and a maximum of 79 years old at the time of the insurance purchase.


Amount of coverage

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



The Insured can choose from the deductible options $0, $250, $500, $1,500, $2,500, $5,000. Deductibles are applied per trip per person.


Effective date

If the insurance is purchased prior to the covered person’s arrival in Canada, the contract is effective on the latest of the following dates:

- the effective date of the contract;

- the date of arrival in Canada from the country of residence;

- the day following the termination date of a similar coverage in Canada


The insurance must be purchased within the 30 days after the latest of the following dates:

- the date of arrival in Canada from the country of residence;

- the termination date of a similar coverage in Canada by virtue of another insurance contract. If this insurance is purchased after the effective date of another insurance contract with similar coverage in Canada, proof of the latter is required.


Expiry date means the earlier of:

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

- the trip return date, whether planned or premature.


Waiting period

tf the insurance is purchased after the covered person’s arrival in Canada, the insurance is effective as of the date of purchase. However, the contract will include a 4-dav waiting period from the date of purchase during which the covered person is insured only in case of accident or injury.

During this waiting period, the covered person is not insured in case of illness. If an illness occurs during the waiting period, the illness will be considered as a pre-existing condition and will be subject to the Exclusions relating to pre-existing conditions of the contract.


Side-Trips Outside of Canada

The insurance coverage remains valid when the covered person takes a side-trip outside of Canada under the following conditions:

• Trips outside of Canada must not exceed 30 days at a time.

• Each side-trip must begin and end in Canada.

• The covered person is not travelling to his/her country of permanent residence.

• The duration of all side-trips combined does not exceed 49% of the period of coverage of the contract. Should the total duration of the side-trips exceed 49% of the period of coverage, the contract will be considered null and void in it’s entirety.



Any request for a refund of premium must be submitted before the effective date of the contract. Administrative fees of $25 per contract are deducted from any refund. These fees are not applicable if you cancel the contract within 10 days following its purchase, as long as the trip has not started.

Following an early departure from Canada, or if you obtain coverage through a mandatory insurance, a refund could be made for the unused days, provided no claim was submitted.


Extending your trip

Coverage under this contract may be extended as long as the additional premium is paid, and that the covered persons remain eligible for insurance. The contract holder must request extension prior to the end of the initial coverage period.

If the covered persons file a claim during the initial period of coverage, the Insurer’s approval is required to extend the contract. Once the approval to extend the contract has been granted, any claim related to an event that occurred during the initial period of coverage will be rejected.


Automatic extension of coverage

All coverage will automatically be extended free of charge:

a) up to 24 hours when the return home is delayed due to the carrier or as the result of a traffic accident or mechanical failure of the private vehicle returning to the departure point (claim must be supported by documentary proof);

b) during the period of hospitalization and the 24 hours which follow the discharge from hospital of a covered person;

c) up to 72 hours when the return home is delayed due to a covered person’s illness occurring within 24 hours prior to the contracted return date and requiring emergency medical care.


Trip break - Exclusive to the Visitors to Canada product with a minimum stay of 365 days

Covered persons can return to their country of residence and come back to Canada without terminating the insurance contract.

During the period outside Canada, no insurance coverage is valid and no premium refund is granted for the days spent in the country of permanent residence.

Covered persons must ensure they meet insurance eligibility criteria each time they intend to return to Canada.

If a change were to occur in a covered person’s health while in the country of permanent residence, the covered person must contact the Insurer before returning to Canada: any change in the covered person’s health will be considered as a pre-existing condition and will not be covered.



The following benefits are provided for each covered person for the reasonable and customary charges listed below, subject to a maximum shown on the insurance certificate during the period of the contract, and provided that these charges are not incurred before obtaining the approval of CanAssistance.




Hospitalization expenses for a semi-private room. Private room is not covered.

Physicians’ fees

Reasonable and customary expenses for physician services .

Medical appliances

The purchase or rental cost of crutches, canes or splints, and the rental cost of wheelchairs, orthopedic devices and other medical appliances when prescribed by the attending physician.

Nursing care

The fees of a graduate nurse (other than a relative) for private care while hospitalized and when medically necessary and prescribed by the attending physician.

Professional services

(when prescribed as part of an emergency treatment)

Professional services by a physiotherapist, chiropractor, osteopath or podiatrist when medically necessary and prescribed by the attending physician, up to a maximum of $300 per profession.

Diagnostic services

The charges for laboratory tests and X-rays when prescribed by the attending physician.

Drugs (when required as part of emergency treatment)

The cost of drugs prescribed by a physician, except when they are required for the continued stabilization of a chronic medical condition.

Dental care

The fees of dental surgeons for emergency dental care treatment, excluding root canal therapy, up to $300 per trip and per covered person.

The fees of dental surgeons up to $2,000 per accident and per covered person for treatment necessitated by an external injury (not as a result of introduction of food or an object into the mouth), only when natural and healthy teeth which have had no previous treatment are damaged or to reduce a fracture or dislocation of the jaw.

Ambulance or taxi service

Land or air transport costs to the nearest accredited medical facility

Repatriation to the residence

The cost of repatriation of the covered person to his residence by means of appropriate transportation in order to receive immediate medical attention, following the authorization of the attending physician and CanAssistance.

The cost of simultaneous repatriation of a travelling companion or any member of the immediate family of the covered person who is also covered under this contract.

A round-trip ticket for a medical attendant is also covered.

Return of the deceased

Up to $10,000 for the cost of preparing and transporting the deceased person (excluding the cost of a coffin) to the departure point, or up to $4,000 for the cost of cremation or burial on site .

Subsistence allowance

Up to $1,000 ($100 per day for a maximum of 10 days) for the cost of accommodation and meals in a commercial establishment, when a covered person’s return must be delayed due to illness or bodily injury to himself or to an accompanying immediate family member or travelling companion.


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


Exclusions relating to pre-existing conditions

1. For all persons : pre-existing conditions not covered under this policy

All following medical conditions in each category below (Cardiovascular, Neurological, or Pulmonary conditions) will not be covered if before the policy effective date:

- the covered person has already undergone a procedure, consulted a doctor, been diagnosed, treated, hospitalized, or when the covered person has been prescribed or taken medication linked to one of the conditions listed below in this category, or;

- a doctor has recommended that the covered person receives treatment, be tested, take medication or undergo a procedure linked to one of the conditions listed below in this category .

a) Cardiovascular conditions: bypass, angioplasty, defibrillator, heart attack, aortic aneurysm, angina, valvular heart disease, peripheral vascular disease, heart rhythm disorders (arrhythmia, tachycardia, bradycardia):

b) Neurological conditions : stroke (cerebrovascular accident) or TIA (transient ischemic attack):

c) Pulmonary conditions : chronic bronchitis, emphysema, cystic fibrosis, COPD (chronic obstructive pulmonary disease).


2) Stability period for coverage for pre-existing medical conditions

No benefits are payable if the loss sustained or the expenses incurred result directly or indirectly from any illness, injury or condition related to a medical condition for which:

•  during the 3 months prior to the effective date of coverage for ages under 55, and

•  the 6 months prior to the effective date of coverage for ages 55 - 74,

the insured person:

- consulted a physician (other than for a regular check-up), or;

- was hospitalized, or;

- was prescribed or received a new treatment, or;

- received a change in an existing treatment, or;

- was prescribed or has taken a new medication, or;

- received a change in existing medication (including usage or dosage), or;

- has taken nitroglycerin for a heart condition.

The Insurer does not consider a change in existing medication the following elements:

- the routine adjustment of insulin or Coumadin;

- a change from a brand name medication to a generic brand medication, provided the dosage is the same;

- Aspirin® taken for non-prescribed medical purposes;

- decrease of the dosage of cholesterol medication;

- hormone replacement therapy;

- vitamins and minerals and non-prescription medication;

- creams or ointments prescribed for cutaneous irritations.


Other Exclusions



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.


If you have questions about this insurance coverage, 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 get sick or injured.

Have your policy confirmation with you at all times. If the covered person needs health care, he/she or a travelling companion must call CanAssistance immediately.

1-800 -361 -6068  or  514-286-8411.

For better service, the covered person should give his name, the phone number where he is calling from and his contract number.

Important Notice  !

Failure to contact CanAssistance in the event of medical consultation or hospitalization following an accident or sudden illness could result in the compensation requested being refused.


To obtain an extension, the covered person must contact the Insurer at: 1-877-986-7681 or 514-286-7681



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