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p Any sickness, illness, injury, or condition (e.g., high blood pressure, diabetes, cholesterol, lung issues) that existed or required medication or treatment before the insurance start date.











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  • Official Travelance Partner

Travelance Insurance Plan

Travelance offers two plans (1) Essential and (2) Premier with a range of coverages $25,000 to $150,000 and monthly payment option for 90 or more days. The Premier plan covers stable pre-existing conditions, while the Essential plan with lower premiums does not cover pre-existing conditions. Following are the key benefits of choosing Travelance 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 $5,000. 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.

Travelance Insurance Plans Benefits

Benefit

Essential plan

Premier plan

Pre-existing conditions coverage

Not covered

Age 69 and Under: Covers stable pre-existing medical conditions in 180 days prior to the effective date.

Medical questionnaire required?

Yes Yes

Hospital accommodation

Semi-private room 

Semi-private room 

Prescription drugs

Up to $1000 per prescription limited to 30 days supply.

Up to $10,000 per prescription limited to 30 days supply.

Follow-up visits

Up to 3 follow-up visits to a maximum of $3,000 provided it is related to medical emergency.

Up to 3 follow-up visits to a maximum of $5,000 provided it is related to medical emergency.

Private duty nurse

Covered if the attending physician prescribes services.

Covered if the attending physician prescribes services.

Ground or air transportation

Covers ground and/or air transport when medically necessary.

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 emergency treatment.

Note: conditions apply. Further details are in policy wording.

  • Up to $5,000 for treatment as a result of accidental blow.
  • Up to $600 for dental pain.

Note: conditions apply. Further details are in policy wording.

Laboratory tests & diagnostic services

  • Lab tests and x-rays when related to the medical emergency.
  • Diagnostic tests such as sonograms, electrocardiograms, computerized axial tomography (CAT scan) and magnetic resonance imaging (MRI). if prescribed by attending physician. Travelance must pre-authorize these tests.
  • Lab tests and x-rays when related to the medical emergency.
  • Diagnostic tests such as sonograms, electrocardiograms, computerized axial tomography (CAT scan) and magnetic resonance imaging (MRI). if prescribed by attending physician. Travelance must pre-authorize these tests.

Medical Appliances

Medical equipment purchased or rented are covered with the following limits:

  • Orthotics - $500;
  • Braces (knee/back/etc) $1,000;

Medical equipment purchased or rented are covered with the following limits:

  • Orthotics - $500; 
  • Braces (knee/back/etc) $1,000;

Health professional services

Up to $300 per practitioner such as acupressurist, acupuncturist, chiropodist, naturopath, osteopath, physiotherapist, podiatrist

Up to $750 per practitioner such as acupressurist, acupuncturist, chiropodist, naturopath, osteopath, physiotherapist, podiatrist

Accidental death & dismemberment

Not covered

Up to $100,000

Return of deceased/ Cremation or burial

  • Up to $10,000 for repatriation of Your body or ashes to your home country.
  • Up to $4,000 for cremation or burial excluding cost for headstone, casket, urn and/or funeral service expenses. 
  • In order to identify insured’s remains it covers
  • a round-trip economy airfare for someone to travel to place to identify remains
  • Up to $450 for commercial accommodation and meals
  • Up to $16,000 for repatriation of Your body or ashes to your home country.
  • Up to $6,000 for cremation or burial excluding cost for headstone, casket, urn and/or funeral service expenses. 
  • In order to identify insured’s remains it covers
    • a round-trip economy airfare for someone to travel to place to identify remains
    • Up to $450 for commercial accommodation and meals

Transportation to bedside

Covers some cost to transport a person in family or friend to you in case of medical emergency

  • The cost of a round-trip fare via the most direct route
  • up to $150 per day to a maximum of $3,000 for commercial accommodation and meals.

Covers some cost to transport a person in family or friend to you in case of medical emergency

  • The cost of a round-trip fare via the most direct route
  • Up to $150 per day to maximum $5,000 for commercial accommodation and meals.

Side trip coverage

Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided

  • Side trips are restricted to a maximum of 45 days.
  • The number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim

Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided

  • Side trips are restricted to a maximum of 45 days.
  • The number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim

Out-of-pocket expenses

Up to $500 for your out of pocket expenses such as television, wi-fi and parking charges while you are hospitalized for the treatment of emergency medical sickness. Up to $800 for your out of pocket expenses such as television, wi-fi and parking charges while you are hospitalized for the treatment of emergency medical sickness.

Automatic extensions

  • Coverage will be extended for 72 hours if return is not possible because of common carrier delay
  • In case of hospitalization due to emergency, coverage will be extended during the hospital stay
  • In case you are medically unfit to travel but not hospitalized then coverage will be extended for up to 3 days.
  • Coverage will be extended for 72 hours if return is not possible because of common carrier delay
  • In case of hospitalization due to emergency, coverage will be extended during the hospital stay
  • In case you are medically unfit to travel but not hospitalized then coverage will be extended for up to 3 days.

Policy cancellation/ Refund

  • You can request policy cancellation within 10 days of purchase for full refund provided it is before the effective date.
  • Policy cancellation can be requested after 10 days provided you have not reported a claim.
  • You can request policy cancellation within 10 days of purchase for full refund provided it is before the effective date.
  • Policy cancellation can be requested after 10 days provided you have not reported a claim.

Waiting period

Waiting period applies If you purchase policy after your arrival in Canada

  • 24 hours for an injury; 
  • 48 hours for a sickness if your start date is within 30 days of your arrival 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 sickness if your start date is more than 30 days from your arrival date.

Waiting period applies If you purchase policy after your arrival in Canada

  • 24 hours for an injury; 
  • 48 hours for a sickness if your start date is within 30 days of your arrival 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 sickness if your start date is more than 30 days from your arrival date.

* 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 wordings: (1) Essential Plan and (2) Premier Plan