Destination: Canada Visitors Plan

• Visitors to Canada
• Parents and grandparents applying under the Super Visa program
• Newly landed immigrants and migrant workers awaiting government health coverage
• Canadians returning home who are not yet covered by a provincial health plan

• Minimum age 15 days
• Option 1 is available up to age 79
• Option 2 has no upper age limit; from age 80 the sums insured available are $25,000 and $50,000, and from age 86 only $25,000, with a $500 deductible
• More than one person can be insured under the same policy, provided the coverage dates are identical for all applicants
• Premiums are based on the insured's age on the date the application is made, not on the date coverage begins

• Emergency medical care and hospitalization up to the sum insured
• Emergency transport with medical escort, when pre-approved by the Assistance and Claims Administrator
• Accidental dental up to $3,000, and up to $500 for dental emergencies
• Accidental death and dismemberment up to $150,000, and flight accident coverage up to $50,000
• Coverage for side-trips outside of Canada, provided the majority of your coverage period is spent in Canada
• Prescription drugs up to $1,000 (30-day supply)
• Follow-up visits up to $3,000 (please call the Assistance and Claims Administrator to report your initial emergency)
• Private duty nursing up to $10,000, when pre-approved by the Assistance and Claims Administrator
• Professional services (physiotherapist, chiropractor, osteopath, podiatrist) up to $500 per type of practitioner (as an outpatient and ordered by the attending physician)
• Transportation of a family member or close friend up to $3,000, plus $1,000 for meals and accommodation
• Meals and accommodation up to $150 a day, to a maximum of $1,500, if you are hospitalized on your scheduled return date
• Return of remains up to $10,000, or $4,000 for cremation or burial at the place of death
• Monthly payment plan on coverage periods from 180 up to 365 days with a sum insured of $50,000 or more, ideal for the Super Visa
• Family rate at 2× the premium of the eldest adult aged 59 or under
• No medical questionnaire, at any age

Available coverage amounts: $25,000 · $50,000 · $100,000 · $150,000 · $200,000 · $250,000 · $300,000, with a $0 deductible included. Optional deductibles of $250 to $10,000 reduce the premium (ages 0–85). Minimum premium of $25 per policy.

As of the Effective Date, You are eligible for coverage if You:

• are at least fifteen (15) days old; and
• are not travelling against the advice of a Physician; or
• have not been diagnosed with a Terminal Illness; or
• 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
• have not been prescribed or used home oxygen in the last twelve (12) months; or
• have not been diagnosed with Heart Failure; or
• have not had a major organ transplant (heart, kidney, liver, lung), bone marrow or stem cell transplant; or
• have not received kidney dialysis Treatment in the last twelve (12) months; or
• have not been diagnosed with an aneurysm of four (4) centimeters or more in either length or diameter, that has not been surgically repaired.

Coverage can extend automatically, at no additional cost, in certain situations:

• Up to 72 hours if your conveyance is delayed by circumstances beyond your control
• Up to 5 days if you are medically unfit to travel
• The full period of hospital confinement plus 72 hours after release, including one insured travelling companion

Coverage extends to side-trips outside Canada, up to the sum insured, subject to the following:

• At least 51% of your coverage period must be spent in Canada
• Side-trips to your country of origin are not covered
• Any condition that appears, recurs, or is treated during a temporary return to your country of origin is excluded for the rest of the coverage period
• While in transit home, coverage applies outside Canada for up to 3 days even if the 51% rule is not met, provided the policy was purchased on or before the previous Destination policy expired

• Full refund within the 10-day right to examine, provided coverage has not begun
• Refunds are available if the entire trip is cancelled before the effective date, if you return early to your country of origin, or if you become covered under a provincial health plan
• A $25 administration fee applies, with a $25 minimum refund; requests must be made within 90 days of the expiry date
• No refund if a claim has been incurred, paid, or is pending.
• Cancelling a one-year visa-related policy before the effective date without proof of visa refusal carries a $150 fee.