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Ottawa, ON

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  Allianz Global Assistance
Visitors to Canada Insurance

Underwritten by CUMIS General Insurance Company, a member of the Co-operators group of companies, and administered by Allianz Global Assistance (AGA).


Who can apply?

Allianz Visitors to Canada insurance policy is designed for :

 ●  Visitors to Canada,

 ●  Landed immigrants or returning Canadians waiting for Government Health

      Insurance Plan coverage,

 ●  Super Visa applicants, parent or grandparents visiting Canada on Super Visa.


Get a quote


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 Medical Coverage

  Pre-Existing Medical Condition &

      other Exclusions


 What to do if you got sick or injured

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. Coverage is NOT AVAILABLE to any individual who:

a) has been diagnosed with a terminal illness; or

b) has been diagnosed with stage 3 or 4 cancer; or

c) has received treatment for any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) in the past 3 months; or

d) requires assistance with activities of daily living as the result of a medical condition or state of health.

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 date you exit your country of origin, and know of no reason to seek medical consultation during the period of coverage.


Amount of coverage

The maximum amount payable is based on the plan you have purchased. The amounts of coverage available : $25,000, $50,000, $100,000, $150,000, $300,000, $500,000CAD.



This insurance can be purchased with $0 deductible or $500 deductible.


Effective date of the policy means the later of :  

- 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 earlier of:

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

- 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 you exit your country of origin, or after the expiry date of an existing Allianz Global Assistance policy.
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.


Family plan is available. Family includes the applicant, age 59 and under, the applicant's spouse, age 59 and under, and dependent children. Dependent children means your unmarried children who are financially dependent on you; and at least 15 days of age and no more than 21 years of age.

The premium for family coverage is calculated at two times the premium for the eldest adult age 59 and under.


Travel worldwide

Costs incurred outside of Canada are covered provided majority of the period of coverage is spent in Canada. Costs incurred in your country of origin are not covered.



- The entire trip is cancelled prior to the effective date.

- You return to your country of origin prior to the expiry date, without intending to return to Canada. Refunds are not payable for time spent in your country of origin between visits to Canada.

- You become insured under a Canadian provincial or territorial health/medical plan.

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


Extending your trip

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






Up to the maximum aggregate limit selected at the time of application, including semi-private hospital accommodation and for reasonable and customary services and supplies necessary for your emergency care during confinement as a resident in-patient.


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.

a) The emergency services of a legally licensed physician, surgeon, or anaesthetist.

b) Follow-up visits as prescribed by the attending physician at the time of the emergency.

c) Diagnostics, lab tests and/or X-ray examinations as ordered by a physician for the purpose of diagnosis.

d) The services of the following legally licensed practitioners for treatment of a covered sickness or injury: chiropractor, steopath, podiatrist/chiropodist, physiotherapist, when ordered by the attending physician; acupuncturist. Not to exceed $500 per profession.

e) Private duty services of a Registered Nurse when approved in advance by AGA.

Not to exceed $10,000.

f) The use of a licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary.

g) Rental of crutches or hospital-type bed, not exceeding the purchase price; and the cost of splints, trusses, braces or other approved prosthetic appliances approved in advance by AGA.

h) Emergency out-patient services provided by a hospital.

i) When not hospitalized as an in-patient, drugs or medications that require a physician’s written

prescription, not exceeding a 30-day supply, to a maximum of $1,000.


When necessary transportation to your country of origin when immediate medical consultation is required due to a covered emergency sickness or injury. Any emergency transportation such as air ambulance, one-way economy airfare, stretcher and/or a medical attendant must be pre-approved and arranged by AGA.


Up to $3,000 for round-trip economy class transportation by the most direct route, and up to $1,000 for reasonable costs incurred after arrival by your family member or close friend if you are hospitalized.


Up to $3,000 for additional cost of one-way economy transportation by the most direct route for you and one insured family member to your country of origin when approved and arranged by Allianz Global Assistance (AGA). Your coverage under this policy ceases once you have been returned to your country of origin under this benefit.


Accidental Dental: Up to $4,000 for repair or replacement of whole or sound natural teeth caused by an accidental blow to the face.

Dental Emergencies: Up to $500 for the immediate relief of acute dental pain, other than provided under Accidental Dental.

Treatment relating to any dental claim must begin within 48 hours after the onset of the emergency and must be completed within the period of coverage and prior to your return to your country of origin.


In the event of death, up to $10,000 is provided to return your body home, or up to $4,000 for cremation or burial at the place of death.


Reimbursement of up to $150 per day to a maximum of $1,500 or up to a maximum 10 days in the event you (or your insured travelling companion) are confined to hospital on the date on which you are scheduled to return home.


Up to the aggregate limit selected at the time of application for accidental loss of life, limb, or sight.


If you sustain a loss from an act of terrorism that is otherwise covered under this plan, AGA will pay up to an aggregate limit of $2.5 million for one or a series of such acts and up to $5 million for all such acts in a calendar year involving all AGA-issued policies including this policy. Terrorism from nuclear, biological or chemical means is excluded.


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

Pre-Existing Medical Condition Exclusion

Stability period

a) If you are 59 years of age or under on the effective date:

Benefits are not payable for costs incurred due to or resulting from your medical condition or related condition that was not stable at any time during the 90 days immediately before the effective date.

b) If you are 60 to 89 years of age on the effective date:

Benefits are not payable for costs incurred due to or resulting from your pre-existing medical condition or related condition that was not stable at any time during the 180 days immediately before the effective date.

STABLE describes any medical condition or related condition, including any heart condition or lung 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 surgery or the results of further investigations performed by any medical professional.

The following are considered STABLE:

a) Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the stability period.

b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the stability period and there is no increase or decrease in dosage.

c) A minor ailment, which describes a sickness or injury during the stability period which ended more than 30 days prior to the effective date and which did not require:

i. treatment for a period longer than 15 consecutive days; or

ii. more than one follow-up visit to a physician; or

iii. hospitalization, surgery, or referral to a specialist. The following conditions are not considered stable: a) any lung condition for which you were prescribed or are taking prednisone; b) any heart condition for which you were prescribed or are taking nitroglycerin. Terminal applies to a medical condition


Some Other Exclusions

Benefits are not payable for costs incurred due to

-  any treatment, investigation or hospitalization which is a continuation of, or subsequent to, emergency treatment of a sickness or injury, unless approved in advance by AGA.

-   pregnancy, abortion, miscarriage, childbirth or complications thereof.

-  loss, death or injury, if at the time of the loss, death or injury, evidence supports that the medical condition causing the loss was in any way contributed to by:

a) your intoxication or abuse of alcohol; or

b) your use of prohibited drugs, or any other intoxicant; or

c) your non-compliance with prescribed treatment or medical therapy; or

d) your misuse of medication.

-  injury resulting from training for or participating in:

a) motorized speed contests; or

b) stunt activities; or

c) professional sport activities; or

d) high-risk activities.

- 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, except when such benefits are exhausted.

- your travelling against the advice of a physician or any loss resulting from your sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.

-  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 AGA.

-  any medical consultation that is non-emergency, on-going, elective or the consequence of a prior elective procedure.

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

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



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. In the event of sickness or injury which may result in claim, please call Allianz Global Assistance at the telephone numbers shown on your policy confirmation and the Policy Wording (pg. 2).  When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to Allianz Global Assistance. Consult the claim guideline on  the Policy Wording (pg.23).

Important Notice regarding claim procedure !

You, or someone on your behalf, must notify Allianz Global Assistance  prior to any surgery being performed or within 24 hours of admission to a hospital. Failure to do so, without reasonable cause, will result in the reduction of eligible benefit amounts payable by 20%.



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