Blue Cross Visitors to Canada Insurance
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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.
coverage will you have?
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.
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.
means the earlier of:
- the date
indicated as the expiry date on your confirmation of coverage;
- the trip return date, whether planned or premature.
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.
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
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
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
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
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.
Reasonable and customary expenses for physician services .
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.
The fees of a graduate nurse (other than a relative) for private care while
hospitalized and when medically necessary and prescribed by the attending
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.
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.
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 .
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.
Visitors to Canada
medical insurance does not cover everything.
This insurance has exclusions, conditions and
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
- 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:
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.
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
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
click here to ask
your question online.
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
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