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Official GMS Partner

GMS Insurance for Super Visa, Visitors to Canada, Work Visa, New Immigrants, and Returning Canadians.

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GMS Insurance Plan

GMS offers coverage options of $25,000 to $150,000. This plan includes coverage for stable pre-existing medical conditions. Stability period for pre-existing medical conditions is 180 days. Following are the key benefits of choosing GMS insurance plan:

Choose coverage from options ranging from $25,000 to $150,000. However for super visa insurance coverage starts from $100,000.

Diverse range of deductibles, from as minimum as $0 to maximum $1,000. Flexibility in choosing the deductible can offer significant reductions in your premiums.

Get coverage for stable pre-existing medical conditions (e.g., BP, heart, diabetes, cholesterol, lung and other conditions) if stable before insurance start date.

100% refund in case of visa denial. Visa denail letter is required before the insurance start state to process refund.

Easy early return refund available if there is no claim on insurance.

GMS Insurance Plan Benefits

Benefit	Details
Pre-existing conditions coverage	Covers pre-existing conditions if stable in 180 days prior to the effective date
Medical questionnaire required?	Yes
Hospital accommodation	Semi-private room
Prescription drugs	Covers medication required for emergency treatment up to maximum 30 day prescription
Follow-up visits	Covers follow-up visits if related to medical emergency
Private duty nurse	Covers some expenses if required medically as a result of emergency treatment
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Dental coverage	Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental pain.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Magnetic resonance imaging, computerized axial tomography scans, sonograms, ultrasounds and biopsies are excluded from coverage, unless pre-authorized by GMS.
Medical Appliances	Not covered
Health professional services	Up to an aggregate maximum $500 per person for osteopath, optometrist, physiotherapist, chiropractor, chiropodist and/or podiatrist.
Accidental death & dismemberment	Not covered
Return of deceased/ Cremation or burial	Up to $10,000 for return of deceased to the country of origin Up to $4,000 for cremation or burial This benefit does not cover the cost of a headstone, burial casket, urn, or funeral service expenses.
Transportation to bedside	1 round-trip economy class airfare for a medical attendant who needs to be with you in case of medical emergency.
Side trip coverage	Covers side trips for up to 30 days or less in duration outside of Canada for the trips that originate and terminate in Canada are not greater than 50% of your period of coverage. Expenses incurred in your country of origin are not covered.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,000, for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member in the event of emergency In the event of your hospitalization: Covers up to $500 for childcare for the children accompanying you on your trip.
Automatic extensions	For the duration of your hospitalization and 72-hour period following discharge from the hospital. Arrive in your country of origin within 48 hours.
Policy cancellation/ Refund	Policy can be cancelled with full refund within 10 days of purchase provided that policy starts after 10 days of purchase date.
Waiting period	Waiting period applies if you purchase policy after your arrival in Canada 2 days period if you have purchased policy within 30 days of arrival in Canada 7 days period if you have purchased policy after more than 30 days of arriving in Canada

* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review our detailed policy wording.