Travelance Essential Plan 2026: Visitors to Canada Emergency Medical Insurance Full Policy Summary
Full summary of the Travelance Essential Plan for Visitors to Canada, effective January 2026. Eligibility, Schedule of Maximum Benefits, waiting periods, exclusions, refund fees, and how to claim, drawn directly from the policy wording.
Travelance Essential Plan for Visitors to Canada (Effective January 2026) Policy Wording
The Travelance Essential Plan is a Visitors to Canada emergency medical insurance policy marketed and distributed by Travelance Inc. and underwritten by Old Republic Insurance Company of Canada. This resource summarizes what the plan covers, who is eligible, what the waiting periods look like, and where the exclusions apply, all drawn from the policy wording effective January 2026.
The Essential Plan is designed to cover losses arising from sudden and unforeseeable circumstances during a visitor's stay in Canada. It is secondary to any other sources of coverage a traveller may have.
Who Is Eligible for the Essential Plan
All of the following restrictions apply.
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.
You do not have a medical condition for which a physician has advised you against travel before your Period of Coverage.
You do not have a surgically untreated aneurysm.
You have never been diagnosed with or received treatment for:
Pancreatic or liver cancer, or any type of metastasized cancer
A kidney condition requiring dialysis
A bone marrow or organ transplant
Congestive heart failure
A terminal sickness
At time of purchase of this policy, you do not reside in a nursing home, assisted living home, convalescent home, hospice or rehabilitation centre.
You do not require assistance with normal daily activities. This does not apply to children under 12 years of age.
You have not taken (or have been prescribed) oral steroids or used home oxygen to treat a lung condition in the 12 months before your start date.
In the 12 months immediately prior to your start date you have not:
Been diagnosed with or received treatment for any two conditions listed in the Medical Conditions Table below, or
Been admitted to hospital for any one condition in the Medical Conditions Table.
Medical Conditions Table (used for eligibility)
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
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. If you do not meet the eligibility requirements listed above, your insurance is void and the company's liability is limited to a refund of the premium paid.
Schedule of Maximum Benefits
The table below lists every benefit under the Essential Plan and the maximum amount payable. Plan limit means the maximum amount of coverage under this policy as shown on your policy confirmation.
Benefit Section | Benefit Amount |
|---|---|
1. Emergency Medical | |
Emergency Medical Expenses | Plan Limit |
Emergency Return Home | Included |
Emergency Dental | $2,000 |
Prescription Medication | $1,000 |
Follow-Up Visits | $3,000 |
Repatriation of Remains | $10,000 |
Cremation/Burial at Destination | $4,000 |
Emergency Paramedical | $300 per practitioner |
Accommodation & Meals | $3,000 |
Visit to Bedside | Included |
Return/Escort of Dependents | Included |
Incidental Expenses | $500 |
Return of Baggage & Personal Effects | $500 |
2. Travel Assistance | Included |
Period of Coverage
Start Date: When Coverage Begins
Coverage under this policy begins on the latest of the following: your departure date, your policy purchase date, or the effective date shown on your policy confirmation. If your start date is more than 731 days from your purchase date, the company will cancel and refund your policy.
Waiting Periods
Benefits under this policy are subject to the following conditions:
If your start date is your departure date and you are scheduled to arrive in Canada within 48 hours after you leave your home country, then coverage is provided while in route to Canada.
If your start date is your departure date and you are not scheduled to arrive in Canada within 48 hours after you leave your home country, coverage only begins on the date and time you arrive in Canada.
If your start date is after your departure date, the following waiting periods will apply:
24 hours for an injury.
48 hours for a sickness if your start date is within 30 days of your departure date.
48 hours for a sickness if you are continuing coverage from an existing policy with another Canadian insurance company or from a provincial GHIP plan.
7 days for a sickness if your start date is more than 30 days from your departure date.
The company will waive your waiting period if you are continuing coverage from an existing Travelance policy with no gap in coverage.
When Coverage Ends
Your coverage ends on the earliest of the following:
The date and time you cancel your insurance.
The date you become eligible for coverage under any Canadian federal, provincial or territorial government health insurance plan.
The date you return to your home country.
The expiry date as shown on your policy confirmation.
If you have selected the monthly payment option for your policy, your coverage will end two months after a failed payment unless you arrange to update your payment information within the allowable time.
Temporary Return Home
A temporary return to your home country suspends coverage until you return to Canada. You must continue to meet the eligibility requirements of this policy on each departure date for coverage. The start date for pre-existing medical conditions becomes the new departure date when you return to Canada. Coverage cannot be suspended beyond the expiry date of the policy. If you make a temporary return to your home country during your Period of Coverage and receive medical treatment there, there will be no coverage for the condition(s) treated or any related condition(s) for the balance of the Period of Coverage.
Coverage for Side Trips Outside Canada
This policy covers the emergency medical expenses you incur during a side trip outside Canada that begins in Canada during your Period of Coverage. Each side trip is restricted to a maximum of 45 days. If you have a claim outside Canada, the number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim. This policy does not provide coverage in your home country.
Automatic Extension of Coverage
Your coverage will be extended automatically beyond the expiry date shown on your policy confirmation in the following cases:
If your scheduled common carrier is delayed, your coverage will be extended for up to 72 hours.
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.
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.
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.
Extending Coverage After Arrival in Canada
To extend your Period of Coverage after arrival in Canada, contact your broker. The company will extend your coverage under this policy beyond your expiry date if:
You have not reported a claim nor have a claim or loss to report.
Your policy is in force when you request an extension.
You pay the additional required premium.
Any expenses related to medical conditions present on the date you apply for an extension will not be covered. In all other cases the company must approve your coverage extension. Coverage cannot be extended beyond 558 days from your original start date. You must disclose all medical information otherwise the coverage extension is void.
Travel Assistance Available 24/7
If you have a medical emergency or need help during your Period of Coverage, the emergency assistance provider provides the following services 24 hours a day, 7 days a week, during your Period of Coverage:
Medical Assistance
Medical Evacuation and Repatriation Assistance
Emergency Return Home Travel Assistance
Travel Arrangement Assistance
Lost or Delayed Baggage or Document Assistance
Legal or Translation Assistance
You will be responsible for any related charges not covered by the policy.
Emergency Contact Numbers
USA & Canada: 1-800-334-7787
Direct Dial: 1-905-667-0587
Email: assistance@oldrepublicgroup.com
If you cannot successfully place a collect call to the emergency assistance provider as instructed, please dial direct and submit the charges incurred to make the call along with your claim documents.
What the Essential Plan Covers
1. Emergency Medical Expenses
You are covered up to the plan limit which is the overall benefit limit for the entire Period of Coverage. When a physician orders or prescribes the following as medically necessary treatment of your emergency sickness or injury:
The services of a physician, surgeon, or in-hospital duty nurse.
Hospital semi-private accommodation where available.
Transportation by a professional ambulance company to and from a hospital.
Diagnostic testing including but not limited to sonograms, electrocardiograms, computerized axial tomography (CAT scan) and magnetic resonance imaging (MRI). The company must pre-authorize all diagnostic tests.
Medical equipment purchased or rented for therapeutic purposes (rental charges not to exceed the purchase price). The company must pre-authorize this benefit. The following limits apply:
Orthotics $500
Braces (knee/back/etc) $1,000
Prescription medications dispensed by a licensed pharmacist. Coverage after an emergency treatment includes up to a 30 day supply of this prescribed medication up to a maximum of $1,000, per occurrence. Medication available without a prescription are not covered even if a written prescription is obtained.
If the attending physician prescribes follow-up visits after an eligible emergency treatment, this benefit includes up to three follow-up visits to a maximum of $3,000. Follow-up visits must be scheduled during the Period of Coverage.
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 9 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. The company must pre-authorize all diagnostic laboratory procedures, x-rays, surgeries, and rental or purchase of therapeutic supplies.
2. Emergency Return Home
If you have a medical emergency, the company, in consultation with its medical advisors, the emergency assistance provider and the local attending physician, may determine that you should be transported back to your home country for continued treatment. The company will then arrange to transport you there with proper medical supervision if needed and will pay the following expenses up to the maximum benefit amount:
The extra cost of a one-way fare via a commercial airline by the most direct route back to your home country; or
The cost to accommodate a stretcher to transport you on a commercial airline by the most direct route back to your home country, if a stretcher is medically necessary, plus the cost of a round-trip fare, reasonable meal and overnight accommodation expenses and professional fees for the services of a qualified medical attendant (other than a family member) to accompany you, if medically necessary or required by the airline; or
The cost of transportation by air ambulance if medically necessary.
Emergency return home flight: this policy will cover the cost to transport you via a licensed airline, with accompaniment if medically necessary. The company must pre-authorize all transportation costs for emergency return home.
With respect to items #1 and #2 above, the company reserves the right to return you to your home country before any emergency treatment for sickness or injury, if the medical evidence obtained from the company's medical advisor and your local attending physician confirms that you are able to return to your home country without endangering your life or health. If you decide not to return to your home country after the company recommends it, your policy will no longer cover any emergency expenses and all coverage will end.
3. Emergency Dental
A licensed dentist or dental surgeon orders the following:
Treatment or repair of natural or permanently attached artificial teeth which become damaged due to accidental injury to the head or mouth. The company will reimburse you for reasonable and customary expenses up to a maximum of $2,000 for any one injury. Expenses incurred as a result of biting or chewing accidents or injuries due to placing an object to or in the mouth are not covered.
Treatment not related to an accidental injury up to a maximum of $300, per occurrence, to relieve acute pain and suffering.
Treatment performed by a family member is not covered.
4. Repatriation
In the event of your death during your Period of Coverage, the company will reimburse the reasonable costs actually incurred:
For the preparation and repatriation of your body or ashes to your home country up to a maximum of $10,000; or
For the cremation or burial at the place of death up to a maximum of $4,000.
No benefit is payable for the cost of a headstone, casket, urn and/or funeral service expenses.
5. Identification of Remains
In the event of your death during your period of coverage, if someone is legally required to identify your remains before your body is released, expenses will be reimbursed for:
A round-trip economy airfare for someone to travel via the most direct route to the place where your remains are located; plus
Up to $450 for commercial accommodation and meals.
The company must pre-authorize and arrange this benefit.
6. Emergency Paramedical Services Due to Injury
If an acupressurist, acupuncturist, chiropodist, chiropractor, naturopath, osteopath, physiotherapist, or podiatrist performs medically necessary emergency treatment up to a maximum of $300 per category of practitioner. Expenses for general health examinations for check-up purposes, cosmetic treatments, or services performed by a family member are not covered.
7. Accommodation and Meals
The company will reimburse up to $150 per day to a maximum of $3,000 for commercial accommodation, meals, essential telephone calls, taxi fares and child care costs for your dependents up to age 18, if you are relocated to receive emergency treatment or admitted to hospital beyond the expiry date shown on your policy confirmation for this insurance due to a sickness or injury to you, your travelling companion or a family member who is travelling with you during your Period of Coverage.
8. Visit to Bedside
If you are hospitalized due to a sickness or injury and the local attending physician recommends in writing that a relative or close friend should visit with you or accompany you back to your home country, subject to prior approval by the company, expenses will be reimbursed for:
The cost of a single round-trip fare via the most direct route for the relative or close friend; plus
Up to $150 per day to a maximum of $3,000 for commercial accommodation and meals.
9. Return and Escort of Dependents
If you are hospitalized for more than 24 hours, or you must return home because of a covered medical emergency, or in the event of your death, the company will pay for the transportation expenses incurred, up to the cost of a one-way fare for the return home of any dependents who are accompanying you. If your dependent is too young to travel alone, the company will also pay the extra cost of a round-trip air fare via the most direct route, overnight commercial accommodation, and reasonable meal expenses for an escort to accompany your dependent home. If the unused return travel ticket is refundable, the company will deduct the value of the refund from the return transportation cost the company arranged or you may choose to turn your unused return ticket over to the company.
10. Incidental Expenses
If you are admitted to a hospital for treatment of an emergency sickness or injury during your Period of Coverage, the company will reimburse you up to $500 for your out of pocket expenses such as television, wi-fi and parking charges. Original receipts (no copies) must be submitted.
11. Return of Baggage and Personal Effects
If you are medically evacuated or repatriated by the company and there is not enough room for your baggage and personal effects aboard the transport provided, the company will reimburse you up to $500 to cover the cost of shipping your baggage to your departure point.
What the Company Pays
You will be reimbursed for the reasonable and customary charges to treat an emergency sickness or injury, less any applicable deductible. Your policy confirmation shows the maximum benefit payable for this insurance.
Policy Exclusions
There is no coverage and no benefits will be payable for claims resulting from or attributable to:
Pre-existing conditions or related medical conditions that existed during the 180 day period immediately prior to your start date.
Expenses related to a sickness, injury, or medical condition that in the opinion of the company's medical director would have caused you to seek medical advice, diagnosis, care or treatment, during the 180 day period immediately prior to your start date.
Any expenses incurred outside the Period of Coverage.
Any expenses incurred outside Canada except for:
If coverage is purchased prior to arrival in Canada, emergency expenses en route to Canada after the date and time you leave your home country provided you are scheduled to arrive in Canada within 48 hours of departure.
If coverage is in effect on the date you leave Canada, emergency expenses en route to your home country after the date and time you leave Canada provided you are scheduled to arrive in your home country within 48 hours of departure.
Emergency expenses incurred during any side trip outside of Canada as described in Coverage for Side Trips Outside Canada.
Treatment:
Not required for the immediate relief of acute pain and suffering.
Which can reasonably be delayed until your policy expires or you return to your home country.
For follow-up treatment (other than subsequent follow-up visits per benefit 1.g), recurrence of a medical condition or subsequent emergency treatment or hospitalization for a medical condition or related medical conditions for which you had received emergency treatment during your period of coverage.
Transplants of any kind.
Side trips taken specifically to obtain or receive medical, hospital, or dental services whether or not recommended by your attending physician.
Expenses incurred whereby this policy was purchased specifically to obtain hospital or medical treatment outside your home country whether or not recommended by your attending physician.
The cost of replenishing any medication that was in use on your departure date or for the maintenance of any course of treatment that commenced prior to your date of arrival in Canada.
Unless the company pre-approves it, emergency air transportation; surgery; diagnostic testing; cardiac procedures including but not limited to cardiac catheterization, angioplasty or surgery.
Your mental, emotional or nervous disorders resulting from any cause, including but not limited to anxiety or depression.
Any treatment or services performed by a family member.
Any elective medical treatment.
Cataracts or any medical conditions resulting from their medical care.
Pregnancy, childbirth, complications of pregnancy or childbirth, or voluntarily induced abortion; or a child born during your Period of Coverage.
A condition that is directly or indirectly related to any medical condition for which you have declined or delayed recommended treatment, diagnostic testing or prescription medication in the 2 years prior to the date it gives rise to a claim under this policy.
Your use of drugs, alcohol, or any medication that results directly or indirectly in the condition causing a claim.
Your suicide, attempted suicide or any intentionally self-inflicted injury.
Your participation in adventure activities.
Your participation in organized professional sporting activities.
Your riding, driving or participating in races of speed or endurance.
Your driving a motorcycle, moped, or scooter, whether or not you are driving on publicly maintained roads, driving off-road or on private property (unless you hold an applicable valid Canadian driver's license).
Your piloting an aircraft or air travel on any air supported device other than as a fare-paying passenger on a flight operated by a common carrier.
Fraud, concealment, or deliberate misstatement in relation to any matter affecting this insurance or in connection with the making of any claim hereunder.
Your participation in a crime or malicious act.
Your participation in a riot or insurrection.
War or act of war (whether declared or undeclared), invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection or military uprising or usurped power.
Act of terrorism by nuclear means and terrorism by dissemination of biological, chemical and or bio-chemical agents and substances.
Your participation in the armed forces.
Orbital or sub-orbital flights.
Events related to "Avoid Non-Essential Travel" and "Avoid All Travel" advisories issued by the Government of Canada prior to your departure on your side trip outside of Canada that were or continue to be in effect for your country, region or city of destination during your Period of Coverage, as reflected in your travel itinerary.
Contamination resulting from radioactive material or nuclear fuel or waste.
Any trip as a driver, operator, co-driver, crewmember, or passenger on any vehicle used to carry goods or passengers for sale, resale or income. This exclusion does not apply to passengers travelling on a common carrier.
Refund of Premium Administration Fees
Other than the "10 Day Right to Examine" (a full refund of the premium paid is available within 10 days of purchase, provided it is before your Period of Coverage), 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.
The following administration fees will be deducted from your premium refund if you:
Reason for cancellation | Administration fee |
|---|---|
Cancel your policy due to a denial of your travel visa | No fee |
Cancel your policy before your start date due to you no longer being eligible | No fee |
Cancel your policy before you leave your home country for a reason other than a) or b) above | $250 |
Cancel your policy and decide to stay in Canada | $250 |
Cancel your policy before your expiry date to return to your home country | $50 |
Cancel your policy because you become insured under a Canadian federal, provincial or territorial health/medical plan | $50 |
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.
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.
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:
The policy has not expired.
You have not travelled to Canada during the current policy period.
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, the company will require a copy of all passport pages as well. Your start date cannot be more than 731 days from your policy purchase date.
Monthly Payment Option — Policy Billing Fee
If you select this option a $100 non-refundable policy billing fee will be charged at the time of application. The payment you made with your application will cover the last two months of your Period of Coverage. Subsequent payments are due on the dates shown on the payment schedule included with your confirmation of coverage. If a scheduled payment fails for any reason, it must be made up to ensure you continuous coverage. If overdue payments are not successfully collected within two months from the payment failure date, your Period of Coverage will automatically end. In the event of a claim, all premium continues to be due and payable based on the original payment schedule.
Key Rules to Remember
Currency: all premiums and benefits under this policy are payable in Canadian currency.
Coordination of benefits: the benefits in this policy are secondary to those available under any other coverage you may have.
Maximum coverage across multiple policies: regardless of how many valid Visitors to Canada policies you have purchased with the company, the maximum amount for which you can be covered is limited to $150,000.
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.
How to Make a Claim
Contact the 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 the insurer's website at www.oldrepubliccanada.com/Claims/TAI by selecting "Go to eClaims". You can also download a claim form from this site and send it to the address above.
To make a claim for benefits under this policy:
Submit your claim forms within 30 days after the expense or loss is incurred or as soon as is reasonably possible.
Proof of the claim must be submitted within 90 days, but no later than 12 months after the date of the event or loss.
Proof of a claim shall include:
The completion of any claim forms furnished by the company.
Original receipts.
A written report, complete with the diagnosis by the attending physician, if applicable.
Claim Payments
The company will pay covered claims, less any applicable deductible, within 30 days of receiving all the information the company needs to assess your claim accurately.
Key Definitions
Adventure activities means participating in any of the following: all-terrain vehicles (ATV), bungee jumping, hang-gliding, heli-skiing, hot air ballooning, hunting, mountain climbing, parachuting, paragliding, rock climbing (not mountaineering), scuba diving (unless qualified and not diving deeper than 130 feet), skydiving.
Dependent means any insured unmarried person who is dependent upon you for support, is travelling with you or who joins you during your Period of Coverage and is either: i) under 21 years of age; ii) under 26 years of age if a full-time student; or iii) of any age who is mentally or physically handicapped.
Family member means spouse, parent, legal guardian, step-parent, grandparent, grandchild, in-laws, natural or adopted child, stepchild, brother, sister, stepbrother, stepsister, aunt, uncle, niece, nephew or an employed caregiver for unmarried dependents under 16 years of age.
Home country means your country of permanent residence before your arrival in Canada. If you are eligible for a provincial GHIP program within 90 days of payment of an emergency, your home country will be Canada.
Pre-existing condition means any medical condition that exists prior to your start date.
Travelling companion means the person who is travelling with you during your Period of Coverage up to a maximum of five persons, including you.
Waiting period means the period of time after the start date of your policy during which you are ineligible for benefits. If you become sick or injured during this period of time, your policy will not cover any expenses resulting from or related to this condition even if the waiting period is over.
About This Content
This resource summarizes the Travelance Visitors to Canada Emergency Medical Insurance Policy Essential Plan, effective January 2026 (form TAEVCE0126). All benefit amounts, waiting periods, eligibility rules, exclusions, and administration fees are drawn directly from the policy wording. In the event of any conflict between this summary and the actual policy wording, the policy wording is the authoritative document.
DaddySafe.ca is a Canadian insurance comparison platform operated by Immunis Financial Brokers Inc.
Frequently Asked Questions
Who underwrites the Travelance Essential Plan?
The Essential Plan is marketed and distributed by Travelance Inc. and underwritten by Old Republic Insurance Company of Canada, based at 100 King St. W. Suite 1100, Hamilton, ON L8P 1A2.
What is the maximum age for the Essential Plan?
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.
Does the Essential Plan cover pre-existing conditions?
No. There is no coverage for pre-existing conditions or related medical conditions that existed during the 180 day period immediately prior to your start date.
Is there a waiting period on the Essential Plan?
Yes. Waiting periods depend on whether your start date is your departure date and whether you arrive in Canada within 48 hours. Common scenarios are 24 hours for injury, 48 hours for sickness (within 30 days of departure or when continuing coverage), and 7 days for sickness if your start date is more than 30 days from departure. The waiting period is waived if continuing coverage from an existing Travelance policy with no gap.
Can I extend my Essential Plan policy after arriving in Canada?
Yes, through your broker. The extension is subject to no claim being reported, the policy being in force, payment of additional premium, and full medical disclosure. Any expenses related to medical conditions present on the date of extension are not covered. Coverage cannot be extended beyond 558 days from your original start date.
What happens if I return home for a short visit during my Period of Coverage?
A temporary return to your home country suspends coverage until you return to Canada. Coverage cannot be suspended beyond the expiry date. If you receive medical treatment while temporarily home, there is no coverage for that condition or any related condition for the balance of the Period of Coverage.
Are side trips outside Canada covered?
Yes, subject to two limits: each side trip is restricted to a maximum of 45 days, and if you have a claim outside Canada, the number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim. There is no coverage in your home country.
What are the refund rules if my visitor visa is refused?
If you cancel your policy due to a denial of your travel visa, no administration fee is deducted from your refund. Refund requests must be made within 30 days from the requested cancellation date and provided no claim has been reported.
What is the monthly payment option billing fee?
If you select the monthly payment option, a $100 non-refundable policy billing fee will be charged at the time of application.
What phone number do I call for a medical emergency?
USA and Canada: 1-800-334-7787. Direct dial from anywhere: 1-905-667-0587. Available 24 hours per day, 365 days per year. You must contact the emergency assistance provider before hospital admission or within 24 hours after a life or organ-threatening emergency, otherwise you will be responsible for 20% of any eligible expenses incurred.