Travelance Premier Plan Plan Details

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

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Benefits

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

Benefit	Premier Plan
Maximum Duration	558 Days
Emergency Medical	$25,000, $50,000, $100,000, or $150,000
Hospitalization	Included (Semi-Private)
Services of Physician, Surgeon, In-Hospital Nurse	Included
Ambulance	Included
Diagnostic, Laboratory & X-Rays	Included
Therapeutic Equipment Rental & Purchase	Included
Prescription Medications	30 day supply, up to $10,000
Accidental Death & Dismemberment	Up to the Plan Limit to a maximum of $100,000
Pre-Existing Condition Coverage	Ages 0-69: 180 Day Stable Pre-Existing Conditions Ages 70-79: 180 Day Stable Pre-Existing Conditions (Pre-Existing Heart, Brain and Lung Conditions Excluded) Ages 80-85: Pre-Existing Conditions Not Covered
Emergency Return Home	Included
Emergency Dental	Treatment or repair of natural or permanently attached artificial teeth due to an accidental blow to the mouth, up to $5,000 Treatment to relieve acute pain and suffering to natural teeth, up to $600
Repatriation of Remains	$16,000
Cremation/Burial At Destination	$6,000
Identification of Remains	Round-trip economy airfare plus up to $450 for commercial accommodation and meals
Follow-Up Visits	Up to three follow-up visits to a maximum of $5,000
Emergency Paramedical	Up to $750 per category of practitioner
Visit to Bedside	Round-trip economy airfare plus up to $5,000 for commercial accommodation and meals
Accommodation & Meals (Incl. Child Care)	Up to $150 per day to a maximum of $5,000
Return/Escort of Dependent Children	Included
Incidental Expenses	Up to $800
Return of Baggage & Personal Effects	Up to $800
Deductible Options	$0 (Base) $250 (-10%) $500 (-15%) $1,000 (-20%, Age 60-85) $1,000 (-30%, Age 0-59) $5,000 (-30%) $10,000 (-45%)
Family Rate*	2x Eldest Insured Rate

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.

Monthly Payment Option

Feature	Details
Description	The Monthly Payment Option offers a convenient way to pay the premium for Visitors to Canada Emergency Medical Insurance.
Requirements	• Available for plans with 90 travel days or more • Two months premium collected on application date • Equal monthly payments are applied to the credit card starting on the start date of the policy • Prorated daily refunds available for cancellations (administration fees apply) • $100 non-refundable billing fee • Contact us or your Travelance partnered broker to learn more!
Important Note	Emergency medical insurance purchased for the purposes of the parent and grandparent super visa must meet IRCC requirements.

Eligibility

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

Eligibility Requirement	Premier Plan
1.	You must be over 14 days old and under 86 years of age during the entire Period of Coverage. Ages 70 to under 86 years of age during the entire Period of Coverage may only purchase plan limits up to $100,000.
2.	You do not have a medical condition for which a physician has advised you against travel before your Period of Coverage.
3.	You do not have a surgically untreated aneurysm.
4.	You have never been diagnosed with or received treatment for: a) Pancreatic or liver cancer, or any type of metastasized cancer; b) A kidney condition requiring dialysis; c) A bone marrow or organ transplant; d) Congestive heart failure; e) A terminal sickness.
5.	At time of purchase of this policy, you do not reside in a nursing home, assisted living home, convalescent home, hospice or rehabilitation centre.
6.	You do not require assistance with normal daily activities. This does not apply to children under 12 years of age.
7.	You have not taken (or been prescribed) oral steroids or used home oxygen to treat a lung condition in the 12 months before your start date.
8.	In the 12 months immediately prior to your start date you have not been: a) diagnosed with or received treatment for any two conditions listed in the Medical Conditions Table; b) Admitted to hospital for any one condition in the Medical Conditions Table.
Medical Conditions Table	Coronary artery disease (including heart attack or angina) Valvular heart disease (including stenosis, regurgitation or valve replacement) Heart arrhythmia (including atrial flutter, atrial fibrillation, ventricular fibrillation or use of a pacemaker) A lung or respiratory condition for which daily medication has been prescribed (including inhalers) Diabetes requiring insulin Stroke or mini-stroke (TIA) Aneurysm Blood clots Gastro-intestinal bleed
Health Changes	If prior to your start date, your health changes and you no longer meet the eligibility requirements listed above, you must send a written request for refund.
Failure to Meet the Eligibility Requirements	If you do not meet the eligibility requirements, your insurance is void and the company's liability is limited to a refund of the premium paid.

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.

Refund Provision	Premier Plan
10 Day Right to Examine	You may cancel this policy within 10 days of purchase for a full refund of the premium paid, provided it is before your Period of Coverage. For refunds after the 10 days, please refer to the "Refund of Premium" section on page 18 of this policy.
Refund of premium	Other than the "10 Day Right to Examine" on page 1, and provided that you have not reported a claim under this policy, a premium refund for unused days will be allowed provided your refund request is made within 30 days from the requested cancellation date.
All requests for refunds	All requests for refunds must be accompanied with the following applicable documentation:
Applicable Documentation	a) evidence that you have been denied a travel visa; b) evidence that your trip was cancelled before you departed your home country; c) evidence to prove your ineligibility for the policy; d) evidence to prove your date of return to your home country; e) evidence that you have become insured under a Canadian federal, provincial or territorial health/medical plan; f) evidence that you have decided to seek alternative health protection while staying in Canada.
Administration Fees	The following administration fees will be deducted from your premium refund if you:
a)	cancel your policy due to a denial of your travel visa (no fee will be deducted);
b)	cancel your policy before your start date due to you no longer being eligible (no fee will be deducted);
c)	cancel your policy before you leave your home country for a reason other than "a)" or "b)" above ($250 fee will be deducted);
d)	cancel your policy and decide to stay in Canada ($250 fee will be deducted);
e)	cancel your policy before your expiry date to return to your home country ($50 fee will be deducted);
f)	cancel your policy because you become insured under a Canadian federal, provincial or territorial health/medical plan ($50 fee will be deducted).
NOTE	If you have submitted a claim and then return to your home country prior to your expiry date you can request to withdraw your claim. The amount of any claims paid along with a file handling fee of $250 will be deducted from your refund.
NOTE	If a claim is received after a request for premium refund has been processed, or you have withdrawn any claim to apply for a premium refund, you will be financially responsible for paying the claim and the company will forward the claim to you for settlement.

Extensions

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

Extension Provision	Premier Plan
Extending Coverage After Arrival In Canada	To extend your Period of Coverage after arrival in Canada, contact your broker.
Coverage Extension	We will extend your coverage under this policy beyond your expiry date if:
1.	You have not reported a claim nor have a claim or loss to report;
2.	Your policy is in force when you request an extension; and,
3.	You pay the additional required premium.
Medical Conditions Present on Date of Extension	Any expenses related to medical conditions present on the date you apply for an extension will not be covered.
Company Approval	In all other cases the company must approve your coverage extension. Coverage cannot be extended beyond 558 days from your original start date.
Medical Information	You must disclose all medical information otherwise the coverage extension is void.
Automatic Extension of Coverage	Your coverage will be extended automatically beyond the expiry date shown on your policy confirmation in the following cases:
1.	If your scheduled common carrier is delayed, then your coverage will be extended for up to 72 hours; or
2.	If you, your travelling companion, or a family member travelling with you are in hospital on or before your expiry date, then your coverage will be extended until the hospital stay ends plus up to 5 days after discharge while outside your home country; or
3.	If you, your travelling companion, or a family member travelling with you are unable to travel for a medical reason that does not need hospitalization but is documented by a physician in Canada, then coverage will be extended for up to 3 days; or
4.	During your return travel to your home country provided you have coverage on the day you leave Canada and you are scheduled to arrive in your home country within 48 hours.
Date Changes	Any requests for a date change after your start date other than an extension of your Period of Coverage will incur an administration fee of $50.
The start date of the policy will only be changed if:
a)	The policy has not expired; and
b)	You have not travelled to Canada during the current policy period; and
c)	Proof of the changed itinerary such as a flight ticket, boarding pass, or stamp on your passport is provided. If the Policy has been in effect for more than six months, we require a copy of all passport pages.
NOTE	Your start date cannot be more than 731 days from your policy purchase date.

Claims

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

Claims	Premier Plan
If You Are Travelling	Contact the emergency assistance provider at the numbers listed on your policy confirmation or on page 8 of the policy.
Contact Us	Travel Claims Department 100 King St W Suite 1100, Hamilton, Ontario L8P 1A2 Toll Free in Canada & USA: 1-888-526-0111 Telephone Direct: 905-667-3391 Toll Free Fax: 1-866-551-1704 Email: traveladmin@orican.com
How To Submit A Claim	You can submit a claim directly on our website: www.oldrepubliccanada.com/Claims/TAI by selecting Go to eClaims. You can also download a claim form from this site and send it to us at the address above.
To make a claim for benefits under this policy:	• Submit your claims forms as soon as is reasonably possible; • Proof of the claim must be submitted no later than 12 months after the date of the event or loss.
Proof of a Claim shall include:	1. the completion of any claim forms furnished by the company; 2. original receipts; 3. a written report, complete with the diagnosis by the attending physician, if applicable.
Original supporting claims documentation must be provided, however, the company may accept certified copies if the original documentation cannot be provided for a reasonable cause.	Failure to provide applicable support for a claim shall invalidate any claim under this policy. All documents required to support or validate the claim, including English or French translations of such documents, must be provided free of expense to the company.
With respect to the emergency medical expenses described above, you or someone acting on your behalf are required to immediately contact the emergency assistance provider at the telephone numbers provided on page 8 of this policy before admission to hospital or within 24 hours after a life or organ-threatening emergency.	Failure to do so will result in you being responsible for 20% of any eligible expenses incurred.
Claim Payments	We will pay covered claims, less any applicable deductible, within 30 days of receiving all of the information we need to assess your claim accurately.
We will pay eligible benefits to you or to any person or entity having a valid assignment to such benefits.	In the event of your death, any balance remaining or benefits payable for loss of life will be paid to your estate, unless otherwise indicated.
Limitation of Action	If you have a claim in dispute under this policy, you must begin any legal action or proceeding against the company within 24 months following the date of the event which caused the claim. All legal actions or proceedings must be brought in the province of Ontario where the head office of the company is located.

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