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.
Visitor to Canada Medical Insurance
Canada takes pride in welcoming millions of visitors each year. Canadian health system in one of the best in the world but experiencing illness in Canada without medical insurance can result in significant expenses. That’s why it is highly recommended for visitors to obtain medical insurance for their peace of mind while traveling. We specialize in offering medical insurance options for various categories of visitors to Canada, including temporary visitors, super visa holders, international students, work visa holders, new immigrants, and returning Canadians waiting for provincial health coverage. We offer insurance rates from various major insurance providers at one place. Our insurance plans are designed to offer cost-effective coverage for a wide range of health conditions. Choose us for comprehensive protection and peace of mind for your loved ones.
Why Choose Us?
- Comprehensive medical coverage options from $15,000 to $1,000,000 for one year (365 days) or less number of days.
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Convenience of monthly payment plan option!
- Enjoy exclusive discounts for companions and family members
- We provide quotes from multiple insurance providers in one place, allowing you to choose the best option for your health and financial situation.
- We do price match or may even provide a better deal – call us at 647-350-0332
- COVID-19 coverage available within Canada subject to the regular terms and conditions of the policy
- We offer plans for individuals of all ages, whether or not they require coverage for pre-existing medical conditions.
- Plans available for the stable pre-existing medical conditions (e.g., BP, heart, diabetes, cholesterol, lung and other conditions)
- Diverse range of deductibles, from as low as $0 to maximum $10,000. Flexibility in choosing the deductible can offer significant reductions in your premiums.
- 100% refund – If no Visa granted for any reason before effective date.
- Get a partial premium refund for plan changes, only if no claims have been processed.
21st Century Plans Benefits
| Benefits | Basic | Standard | Enhanced |
|---|---|---|---|
| Medical services | Medical card received from physician in or out of hospital (conditions apply*) | Medical card received from physician in or out of hospital (conditions apply*) | Medical card received from physician in or out of hospital (conditions apply*) |
| Basic diagnostic services | Lab tests required by physicians to determine a medical condition | Lab tests required by physicians to determine a medical condition | Lab tests required by physicians to determine a medical condition |
| Advanced diagnostic services | cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre * | cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre * | cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre * |
| Follow-up physician visits | One follow-up per event of sickness or injury | No limit | No limit |
| Medical care | Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *) | Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *) | Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *) |
| Prescribed medication | prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered. | prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered. | prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered. |
| Pre-existing medical coverage | Not covered | Not covered If conditions existed in 180 days prior to effective date | Covered if conditions existed and stable in 180 days prior to effective date. |
| Hospital stay | semi-private room when available and intensive care unit when medically necessary | semi-private room when available and intensive care unit when medically necessary | semi-private room when available and intensive care unit when medically necessary |
| Emergency ground transport | Licensed local ambulance service | Licensed local ambulance service | Licensed local ambulance service |
| Emergency air transport | if our medical advisor and your physician recommends then we will pay for one or more of the following:
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if our medical advisor and your physician recommends then we will pay for one or more of the following:
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if our medical advisor and your physician recommends then we will pay for one or more of the following:
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| Dental Accident coverage | Not available | Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face. | Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face. |
| Dental pain relief | Not available | Up to $300 acute dental pain for which you have not previously received treatment or advice | Up to $300 acute dental pain for which you have not previously received treatment or advice |
| Accidental Death and Dismemberment | Not available | Up to $25,000 coverage | Up to $25,000 coverage |
| Healthcare practioners | accupuncturist, chiropractor, physiotherapist | accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist | accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist |
| Side Trip Coverage | provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *) | provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *) | provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *) |
| 90 day provision | Not available | Reinstatement of coverage for a second claim related to the same condition | Reinstatement of coverage for a second claim related to the same condition |
* 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:
Insure Canada Plans Benefits
| Benefits | Standard | Enhanced |
|---|---|---|
| Coverage Options | $25,000 to $1,000,000.00 | $25,000 to $1,000,000.00 |
| Hospital Accomodation | Ward rate | Up to semi private room |
| Medical services | Included | Included |
| Diagnostic services | Included | Included |
| Prescription drugs | 30 days, up to $500 per prescription | 30 days, up to $1,000 per prescription |
| Private duty nurse | Up to $5,000 | Included |
| Paramedical services | $300 per incident per service | $500 per incident per service |
| Emergency dental | $1,000 due to accident & $300 for pain | $3,000 due to accident & $500 for pain |
| Medical appliances | $5,000 | $5,000 |
| Emergency transportation | Included | Included |
| Transportation to bedside | Not available | Up to $3,000 for roundtrip airfair |
| Repartriation of remains | $5,000 | $10,000 |
| Meal and accomodation | Not available | Maximum up to $3,000 |
| Hospital allowance | Not available | $50 per day, maximum $500 |
| Follow up visits | Up to 3 follow up visits | Up to 3 follow up visits |
| Return & Escort of children | Not available | Included via economy airfair |
| Excess baggage return | Not available | $500 |
| Accidental death & dismemberment | $50,000 | $50,000 |
| Flight accident | $50,000 | $50,000 |
* 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: Policy document
Travelance Plans Benefits
| Benefits | Essential | Premier |
|---|---|---|
| Emergency Medical Coverage Options | $25,000 to $150,000 | $25,000 to $150,000 |
| Policy cancellation | Cancel any time prior to departure and receive a full refund provided there is no claim in process | Cancel any time prior to departure and receive a full refund provided there is no claim in process |
| Prescription Medication | Up to $1,000 | Up to $10,000 |
| Follow-up Visits | Up to $1,000 | Up to $3,000 |
| Emergency Return Home | Included | Included |
| Emergency Dental | Up to $2,000 | Up to $4,000 |
| Repatriation of Remains | Up to $10,000 | Up to $16,000 |
| Cremation/Burial at Destination | Up to $4,000 | Up to $6,000 |
| Pre-existing Conditions Coverage | Not covered if existed in 180 days prior policy start date | Covered if stable in 180 days prior policy start date |
| Emergency Paramedical | Not included | $5,00 per practitioner |
| Accommodation and Meals | Not included | Up to $1,500 |
| Visit to Bedside | Not Included | Up to $4,000 |
| Return of Baggage and Personal Effects | Not available | Up to $500 |
| Return/Escort of Dependents | Not included | Up to $3,000 |
| Incidental Expenses | Not included | Up to $250 |
| Accidental Death and Dismemberment | Not included | Up to medical emergency coverage limit (max: $100,000) |
| Travel Assistance | Included | Up to medical emergency coverage limit (max: $100,000) |
* 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
GMS Visitor to Canada Plan Benefits
| Benefit | Details |
|---|---|
| In-hospital Care | Hospital accommodations are covered up to semi-private rooms, along with the hospital services and supplies required for the treatment of a medical emergency during hospitalization. Follow-up visits are also covered when deemed medically necessary, until the medical emergency is considered resolved, as determined by GMS. |
| Medical Services | Medical treatment provided by a physician or surgeon. |
| Diagnostic Services | X-rays and other diagnostic tests are covered, except for magnetic resonance imaging (MRI), computed tomography (CT) scans, sonograms, ultrasounds, and biopsies, which are excluded unless pre-authorized by GMS. |
| Out-Patient Treatment | Out-patient medical emergency room expenses. |
| Prescription Medication | Drugs and medications prescribed by the attending physician and dispensed by a licensed pharmacist are covered, up to a maximum of a 30-day supply. However, refills of prescriptions and any related physician’s fees are not covered. |
| Ambulance | Expenses for the use of a licensed road or air ambulance in a medical emergency requiring immediate transport to the nearest hospital with adequate facilities are covered. |
| Health Practitioners | Expenses for emergency services provided by an osteopath, optometrist, physiotherapist, chiropractor, chiropodist, and/or podiatrist are covered, up to a maximum of $500 per person. |
| Accidental Dental | Up to $2,000 per person. Dental pain up to $300. |
| Return of Remains | *In the event of death resulting from a covered medical emergency, expenses for the preparation or transportation of the deceased to their destination in Canada or their country of origin are covered, up to a maximum of $10,000 per person. Alternatively, expenses for cremation or burial at the place of death are covered, up to a maximum of $4,000. |
| Child Care | *Payment up to $500, with prior GMS approval for kids who are travelling with you |
| Out-of-Pocket Expenses | Payment for reasonable and customary 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 that you are in hospital on your return date. |
| Repatriation to Country of Origin by Commercial Airline without a Medical Attendant | Up to $5,000 to transport to your country of origin |
| Repatriation to Country of Origin by Commercial Airline with a Medical Attendant or Air Ambulance | *Transportation of 1 accompanying family member insured under your policy. |
* 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.
Tugo Visitor to Canada Medical Plan Benefits
| Benefit | Details |
|---|---|
| Emergency medical treatment |
Up to the coverage insured for:
|
| Ambulance | Up to the coverage insured for ground, air or sea ambulance (including paramedics) or taxi in lieu |
| Follow-up visits | Up to 5 follow-up visits within 14 days of the initial emergency medical treatment |
| Prescription drugs | Up to a 30-day supply following an emergency during the trip |
| Professional medical services | Up to $600 for any one incident per practitioner for licensed:
|
| Fracture treatment | Up to $1,000 for medical treatment related to fractures. This benefit includes:
|
| Dental | Up to $6,000 for dental accidents during the trip and Up to $600 for any other dental emergencies |
| Maternity | Up to $6,000 for pre-natal care, delivery and/or complications thereof |
| Hospital allowance | Up to $100 per day for incidental hospital charges |
| Emergency air transportation | Up to the coverage insured for medical air evacuation.* If medically required, this benefit also includes:
|
| Airfare to return home for treatment | Up to a one-way economy airfare to return to the country of permanent residence for immediate medical treatment*
* Treatment must be required within 10 days of returning home |
| Repatriation | Up to the sum insured for preparation and return of the body
|
| Return of vehiclen | When the insured traveller is not medically fit to drive home, this benefit includes: Up to $2,500 for a commercial agency to return the vehicle or up to a one-way economy airfare plus gas, meals and accommodation for a family member or friend to pick up and return the vehicle |
| 24-hour accident insurance | Up to $25,000 |
| Pre-existing medical condition coverage | 70 years and over - 365-day stability period before the effective date of the policy |
* 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 visitor to Canada medical insurance section in policy wording and key benefits.
Allianz Visitor to Canada Medical Plan Benefits
| Benefit | Details |
|---|---|
| Emergency Hospital & Medical | Up to the coverage amount you choose |
| Emergency Medical (including follow-up visits) | Up to the coverage amount you choose |
| Emergency Transportation (ambulance) | Up to the coverage amount you choose |
| Accidental Dental | $4,000 |
| Dental emergency (relief of acute dental pain) | Up to $500 |
| Chiropractor, osteopath, chiropodist/podiatrist, physiotherapist or acupuncturist | $500 per profession |
| Private duty services of a registered nurse | Up to $10,000 |
| Emergency Return Home (to your country of origin) | Up to $3,000 |
| Out-of-Pocket Expenses (including accommodations and meals, childcare costs, essential telephone calls and taxi fares) | Up to $1,500 |
| Return of Deceased | Up to $10,000 |
| Transportation of Family/Friend (to your bedside) | Up to $3,000 |
| Pre-existing medical condition coverage |
|
| Accidental Death & Dismemberment | Up to the coverage amount you choose |
* 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 visitor to Canada medical insurance section in policy wording and exclusions for which coverage is not available under Allianz medical insurance.