Destination Canada Plan Details

Comprehensive emergency medical insurance for visitors, immigrants, and Super Visa applicants

Get Quote Now Destination Canada Policy Wordings Summary of Benefits

Benefits

The range of coverage and services included in the policy, such as medical expenses, emergency care, trip interruption, and more.

Benefit Category	Coverage Details
Emergency Hospital	Semi-private room • Hospital services & supplies • Drugs & medication • Emergency care
Emergency Medical	Physician / surgeon / anesthetist • RN care up to $10,000 • Paramedical services up to $500 • Lab tests & X-rays • Air / land / sea ambulance • Medical appliances • Outpatient hospital services • Prescription drugs (30 days / $1,000 max)
Emergency Transportation	Air ambulance • Economy airfare • Medical attendant • Return to country of origin
Family / Friend Transportation	$3,000 travel • $1,000 additional expenses
Attendant Benefit	$50/day up to $500 for dependent companion care
Follow-up Visits	Up to $3,000 emergency follow-up examination
Accidental Dental	Up to $3,000 • Natural teeth • Accidental blow
Dental Emergencies	Up to $500 for acute dental pain
Meals & Accommodation	$150/day up to $1,500 • 10 days max • Hotel, meals, childcare, taxi, phone
Emergency Return Home	Up to $3,000 one-way return transportation
Return of Deceased	$10,000 return of remains • $4,000 cremation/burial
Accidental Death & Dismemberment	Up to $150,000 for loss of life, limb, or sight
Flight Accident	Up to $50,000 aircraft accident benefit
Exposure & Disappearance	Coverage for exposure-related loss • 52-week disappearance provision
Side-trip Outside Canada	Covered if 51% of trip spent in Canada

Specific Conditions

Any medical conditions, illnesses, or injuries that you had before purchasing the insurance policy. Coverage for these may be limited or subject to specific terms.

Eligibility

The criteria you must meet to purchase or be covered under the insurance plan, such as age limits, residency status, or travel requirements.

Section	Key Eligibility Details
Minimum Age	15 days old or older
Travel Restriction	Must not travel against physician advice
Terminal Illness	Terminal illness not eligible
Cancer Restriction	No pancreatic cancer, liver cancer, or metastasized cancer
Home Oxygen	No home oxygen use within last 12 months
Heart Failure	No diagnosis or treatment for heart failure
Major Organ Transplant	No heart, kidney, liver, lung, bone marrow, or stem cell transplant
Kidney Dialysis	No dialysis treatment within last 12 months
Aneurysm Restriction	No unrepaired aneurysm ≥ 4 cm
Pre-existing Condition Coverage	59 & under: Stable 90 days • 60–69: Stable 120 days • 70–79: Stable 180 days • Option 2: All pre-existing conditions excluded • 80+: All pre-existing conditions excluded
Effective Date	Coverage starts after application + premium acceptance, effective date in confirmation, or exit from country of origin — whichever is latest
Policy Timing Rule	Policy cancelled/refunded if effective date exceeds 3 years from purchase date
Coverage End Date	Ends on expiry date in confirmation of coverage
Waiting Period	48 hours (purchase within 30 days of departure) • 7 days (purchase after 30 days)The following waiting period shall apply and no claims shall be payable for any Sickness for which Signs or Symptoms occurred within-Forty-eight (48) hours after the Effective Date, if You purchase this insurance within thirty (30) days of the date You depart from Your Country of Origin Seven (7) days after the Effective Date, if You purchase this insurance thirty (30) days or more after the date You depart from Your Country of Origin
Waiting Period Waiver	Waived if purchased before departure, before policy expiry, or before other coverage expiry without lapse/gap
Proof Requirement	Must provide proof of previous insurance coverage for waiting period waiver

Refunds

The amount you may be eligible to receive back if you cancel your policy, depending on the timing and the insurer’s refund terms.

Scenario	Refund Details
Policy Review Period	Full refund within 10 days of purchase if coverage has not started
Trip Cancelled Before Effective Date	Refund may be requested before coverage starts
Arrival Date Postponed	Policy effective date may be changed or refund requested before effective date
Early Return to Country of Origin	Refund calculated using insurer short-rate premium calculation
Provincial Health Coverage Eligibility	Refund may be available if insured under a Canadian provincial or territorial health/medical plan
Visa Refusal / Entry Permit Change	Refund may be available with proof of visa refusal or entry permit change
1-Year Policy Cancellation Without Visa Refusal Proof	$150 fee applies before effective date
Monthly Plan Changes	Monthly payment plan may be changed to payment in full before effective date
Refund Request Deadline	Refund request must be submitted before coverage ends and within 90 days after policy expiry date
Administration Fee	$25 administration fee applies • Minimum refund $25
Claim Restriction	No refund if claim is incurred, paid, or pending
Required Documents	Written request • Confirmation of coverage • Boarding pass / supporting documents
IRCC Reporting	Cancelled policies may be reported to IRCC where insurance is required for visa purposes
Important Note	Refund eligibility and calculations are subject to official policy wording and insurer approval

Extensions

The option to continue your coverage by extending the policy duration before it expires, subject to approval and conditions.

Extension Type	Important Details
Travel Delay Extension	Automatic extension up to 72 hours for conveyance delays
Medical Extension	Automatic extension up to 5 days if medically unfit to travel
Hospitalization Extension	Coverage continues until hospital discharge + 72 hours
Policy Extension Requests	May require new application and insurer approval
Side-Trips Outside Canada	Coverage applies if 51%+ of trip is spent in Canada
Important Note	Extensions subject to policy terms, medical eligibility, and insurer approval

Claims

The process of requesting reimbursement or payment from the insurance company for covered expenses during your policy period.

Claims Information	Important Details
Emergency Assistance	Contact Zurich Travel Assist immediately before emergency treatment
Emergency Contact Numbers	USA & Canada: 1-888-726-1839 • Collect (Worldwide): +1 (416) 260-4553
Unable to Call Personally	If medically impossible, have someone call as soon as possible on your behalf
Failure to Notify	Failure to contact Zurich Travel Assist may result in responsibility for 20% of eligible expenses
Required Documents	Claims may require receipts, medical records, boarding pass, and proof of coverage
Medical Approval	Certain treatments, transportation, or hospitalization may require pre-approval
Claim Payment Timeline	Eligible claims are generally payable within 60 days after proof of claim is received
Important Note	Claims are subject to policy wording, exclusions, limitations, and insurer review

Exclusions

Specific situations, treatments, or conditions that are not covered under the policy, which means no claim can be made for them.

Category	Key Exclusion Triggers
Pre-existing Conditions	Not stable (90 / 120 / 180 days) based on age (59-, 60–69, 70–79) • Option 2 = All excluded
Waiting Period	48 hours (within 30 days purchase) • 7 days (after 30 days)
Mental / Cognitive	Alzheimer’s disease • Dementia • Minor mental/emotional disorder • Self-inflicted injuries
Legal / Risk Events	War • Terrorism • Kidnapping • Riot / civil commotion • Criminal acts
Travel Purpose	Diagnosis / treatment / surgery / investigation / palliative care
Substance Use	Alcohol abuse • Drug use • Medication misuse • Non-compliance with treatment
Treatment Type	Non-emergency • Experimental • Elective (cosmetic)
Approval Requirement	No pre-approval from Zurich Travel Assist
Delayed Care	Treatment can be delayed until return to country of origin
Routine / Ongoing Care	Check-ups • Chronic condition care • Home care • Rehabilitation
Sports / Activities	>60 km/h racing • Motorsports • Skydiving • Mountaineering • Rodeo
Pregnancy	Pregnancy • Delivery • Miscarriage • Complications
Childbirth	Child born during trip
Motor Vehicle	Covered under other motor vehicle insurance
Legal Restrictions	Violates provincial / territorial legislation
Alternative Treatment	Naturopathic • Holistic • Acupuncture
Cost Limits	Above reasonable and customary charges
Travel Advisory	Canada advisory: “Avoid all travel” / “Avoid non-essential travel”
Location Limits	Outside Canada (if <51% stay in Canada) • Inside country of origin
Temporary Return	Treatment during temporary return to country of origin
Air Travel	Not in licensed commercial aircraft
Commercial Vehicle	Used for delivering goods / carrying load
AD&D Limitation	Aircraft occupancy exclusion (AD&D only)

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