Provider

Benefits

Limitations

MANULIFE


Benefits, Exclusions,
Claims and FAQ

Policy PDF

Quote and Buy Direct

Maximum Benefit - $10,000,000
24 hours Assistance Center
Ambulance – local transportation
Emergency air transportation - Air ambulance
Hospital (semi-private room)
Diagnostic services
Physician services
Prescription Drugs prescribed by a physician
Accidental Dental - $3,000
Emergency Dental - $300
Expenses related to death: $5,000 for preparation and $5,000 for transportation or burial
Family to Bedside - transportation cost and up to $2,000 for meals and accommodation
Return of Travelling Companion
Return of dependent children
Return of vehicle - $3,000
Pet return - $500
Return to Original Trip destination - $5,000

Coverage must be purchased prior to departure from Canada (from your province/territory of residence for Canada only plan)
Deductible and (discounts): $0 (0%), $500 (10%), $1,000 (15%), $5,000 (30%) and $10,000 (35%)
Deductibles are in CDN dollars per claim.
Age means your age on the application date.
Pre-existing medical conditions stability period:
- Rate Category A – stable for 3 months before your effective date for any pre-existing condition (heart condition – not taken any form of nitroglycerine for the relief of angina pain; not required treatment with oxygen or Prednisone for a lung condition).
- Rate Category B and C – stable for 6 months before your effective date for any pre-existing condition (heart condition – not taken any form of nitroglycerine for the relief of angina pain; not required treatment with oxygen or Prednisone for a lung condition).
NOTE: Individual underwriting is available for conditions not stable in the required period.
Pregnancy - complications and child birth are not covered if happen in the 9 weeks before or after the expected date of delivery.

TuGo

Benefits, Exclusions,
Claims and FAQ

Policy PDF

Quote and Buy Direct

Maximum Benefit - $5,000,000
24 hours Assistance Center
Ambulance transportation (including mountain and sea rescue)
Emergency air transportation - Air ambulance
Hospital (Semi-private room)
Diagnostic services
Physician services
Prescription Drugs - for 30 days.
Accidental Dental - up to the policy limit
Emergency Dental - $700
Return of Deceased - preparation and transportation to home province or up to $6,000 for burial/cremation at the place of death.
Family to Bedside - transportation cost and up to $2,500 for meals and accommodation
Return of Travelling Companion
Return of dependent children
Return of vehicle – up to the policy limit
Pet return – up to $300

You must purchase this insurance prior to your departure date from your province/territory of residence.
Deductibles and (discounts): $0 (0%), $300 (15%), $500 (20%), $1,000 (25%), $2,000 (35%), $5,000 (45%), $10,000 (55%); $25,000 (70%); $50,000 (80%) and $100,000 (90%).
Deductibles are in USD per claim.
Age means your age on the application date.
Pre-existing medical conditions stability period:
Applicable to persons 59 years and under:
a) On trips 35 days and less - 7 days before the date of departure.
b) On trips over 35 days - 90 days before the date of departure.
Applicable to persons 60 to 74 years:
On all trip lengths - 180 days before the date of departure.
Applicable to persons 75 and over:
On all trip lengths - 365 days before the date of departure.
Pregnancy, routine pre-natal care, a child born during your trip, childbirth or complications thereof occurring within the 9 weeks immediately before or after the expected date of delivery are excluded.

GMS

Benefits, Exclusions,
Claims and FAQ

Policy PDF

Quote & Buy Online

Maximum Benefit - $5,000,000
24 hours Assistance Center
Ambulance – local transportation
Emergency air transportation - Air ambulance Hospital (Semi-private room)
Diagnostic services
Physician services
Prescription Drugs - 30 days
Accidental Dental - $2,000
Emergency Dental - $250
Return of Remains: $7,000 to return home
or $3,000 for burial at the place of death
Return of family member – up to $1,000
Return of dependent children
Family to Bedside up to $3,000
Remote Evacuation - $20,000
Child Care - up to $500
Return of vehicle – up to $2,000
Return of Cat or Dog – up to $300
NOTE: This plan is not available in Quebec, New Brunswick and Nunavut.

You must purchase the plan prior to your departure date from your province of residence.
Deductible and (discounts): $0 (0%); $250 (10%); $1,000 (20%) and $5,000 (30%).
Deductibles are in CAD per claim.
Age means your age on the application date.
Pre-existing medical conditions: If at any time in 180 days before your departure date your medical conditions or related conditions and/or symptoms have not been STABLE – it will be excluded from coverage. 
Pregnancy: No coverage or reimbursement for expenses related to routine pre-natal or post-natal care and pregnancy, delivery or complications of either the pregnancy or delivery, which occur nine (9) weeks before the expected date of delivery or anytime after.
No coverage or reimbursement for expenses related to your child born during the trip.

Allianz


Benefits, Exclusions,
Claims and FAQ

Policy PDF

Quote and Buy Direct

Maximum Benefit - $10,000,000
24 hours Assistance Center
Ambulance transportation (including mountain and sea rescue)
Emergency air transportation - Air ambulance
Hospital (private or semi-private room)
Diagnostic services
Physician services
Prescription Drugs - 30 days supply
Accidental Dental - included
Emergency Dental - $500
Return of Deceased: to return the body home
or $5,000 for burial at the place of death
Bedside companion - transportation and up to $1,500 for meals and accommodation
Return of Travelling Companion
Return of vehicle or watercraft - $5,000
Pet return - $500
Return to Original Trip destination - one-way transportation

After departure coverage is available (subject to policy eligibility requirements)
Deductibles and (discounts) all ages: $0 and $500
Deductibles are in CAD per claim.
Age - your age on the policy EFFECTIVE date.
Pre-existing medical conditions stability period:
- If you are age 64 or under - 90 days immediately before the effective date.
- If you are age 60 or over - 150 days immediately before the effective date.
Pregnancy - Complications or childbirth are excluded after 31st week of a normal pregnancy. High-risk pregnancy and a child born during a trip are excluded under this policy

BLUE CROSS

Benefits, Exclusions,
Claims and FAQ

Policy PDF

Quote & Buy Online

Maximum Benefit - $5,000,000
24 hours Assistance Center
Ambulance – air or land transportation
Hospital (Private or Semi-private room) 
Diagnostic services
Physician services
Prescription Drugs
Accidental Dental - $2,000
Emergency Dental - $500
Return of the deceased: $10,000 to return home or for burial and/or cremation at the place of death.
Return of traveling companion or child(ren)
Return of vehicle – up to $5,000
Return of a pet – up to $500
Baggage return – up to $300
Medical Follow-up in Canada
NOTE: this plan is available in Ontario, Quebec, New Brunswick, Newfoundland, Nova Scotia and Prince Edward Island.

The travel insurance must be purchased before the departure date and for the full duration of the trip, including the departure and return dates. You must be departing from your province of residence.
Deductibles: $0, $250, $500, $1,500, $2,500 and $5,000;
Deductibles are in CAD per claim.
Age means your age on the application date.
Pre-existing medical conditions stability period:
- Under 55 - 3 months look back for any pre-existing condition.
- Age 55 to 75 with trips up to 32 days - 6 months
- Age 55 to 75 with trips longer than 31 days or age 76 and over – lifetime for cardiovascular condition, kidney failure and organ transplant; 24 months for any chronic pulmonary condition; 12 months for cancer or gastrointestinal condition.
Pregnancy, childbirth or related complications:
a) Expenses related to routine prenatal and postnatal care.
b) Expenses related to pregnancy, childbirth, or their complications: When the care requires results from a high-risk pregnancy, or When care is required during the 9 weeks preceding or following the expected delivery date.
Child born during the trip – When the expenses related to your pregnancy are excluded, care or treatment provided to your child born during the trip is also excluded.

Destination Travel Group

Benefits, Exclusions,
Claims and FAQ

Policy PDF

Quote & Buy Online

Maximum Benefit - $5,000,000
24 hours Assistance Center
Ambulance transportation (including mountain and sea rescue limited to $5,000)
Hospital (Semi-private room)
Diagnostic services 
Physician services
Prescription Drugs - 30-day supply per prescription
Accidental Dental - $3,000
Emergency Dental - $500
Funeral: $5,000 for preparation + transportation cost or $5,000 for burial at the place of death or $2,000 for cremation
Family to Bedside - transportation cost and up to $1,500 for meals and accommodation
Return of dependent children
Return of vehicle - $2,500
Pet return - $300 
Return to Original Trip destination - $5,000

After departure coverage is available (subject to 48 hours waiting period if you purchase after the expiry date of an existing policy)
If you are between the ages of 0 to 54, you may purchase a Single Trip plan for a period of up to 365 days. If you are age 55 to 74, you may purchase a Single Trip plan of up to 25 days. The Annual Multi-Trip Plan option is available up to age 74.
Age means your age on the application date.

Pre-existing medical conditions stability period 
- 90 days prior to the policy effective date for age under 60.
- 180 days prior to the policy effective date for age 60 to 74.
Pregnancy, childbirth or complications thereof after the 31st week of pregnancy are excluded from coverage.