Insurance Broker: Harinder Singh Kamoh


Summary of Benefits:

 Two Visitors to Canada Emergency Medical Insurance Plans Available!

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Essential Plan

Premier Plan

Maximum Duration 558 Days 558 Days
Family Rate 2 Times Eldest Rate 2 Times Eldest Rate
Emergency Medical $25,000, $50,000, $100,000, or $300,000 $25,000, $50,000, $100,000, or $300,000





Services of Physician, Surgeon, In-Hospital Nurse Included Included
Ambulance Included Included
Diagnostic, Laboratory & X-Rays Included Included
Therapeutic Equipment Rental & Purchase Included Included
Prescription Medications 30 Days Up To $1,000 30 Days Up To $10,000
Emergency Return Home Included Included
Emergency Dental

Injury $2,000
Non-Injury Pain $300

Injury $4,000
Non-Injury Pain $500

Repatriation of Remains $10,000 $16,000
Cremation/Burial At Destination $4,000 $6,000
Identification of Remains

Round-trip Air + $450 Expenses

Round-trip Air + $450 Expenses

Follow Up Visits $1,000 $3,000
Emergency Paramedical Services – (Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist) $500/Category
Visit to Bedside  $4,000
Accommodations & Meals $150/Day, Maximum $1,500
Return/Escort of Dependent Children $3,000
Hospital Stay Allowance $250
Return of Baggage & Personal Effects $500
Accidental Death & Dismemberment Up To the Plan Limit to a maximum of $100,000
Pre-existing coverage


Up to Age 79
Waived Deductible First $250 of deductible waived when hospitalized for 72 consecutive hours First $1,000 of deductible waived when hospitalized for consecutive 48 hours
Coverage for Side Trips Included Included
Deductible Options

$250 (-10%)

$500 (-15%)

$1,000 (-20%)

$5,000 (-30%)

$10,000 (-45%)

$250 (-10%)

$500 (-15%)

$1,000 (-20%)

$5,000 (-30%)

$10,000 (-45%)

Buy Direct Option

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Policy Wording:

Policy Wording is an official document issued by Travelance, which provides you with detailed descriptions of insurance benefits, coverage limitations/exclusions, claim and refund policies as well as other important information.

Please read this document carefully in order to clarify any confusions you might have in regards to medical emergency insurance that Travelance provides for people visiting Canada.

Eligibility Requirements:

You are not eligible to purchase this policy if:

– If you have a medical condition for which a physician has advised you not to travel.
– If you are under 14 days old or over 85 years old.
– You are eligible for provincial health benefits.
– You have been diagnosed with a terminal illness.
– You reside in a nursing home or require assistance with daily normal activities.
– If in the 12 months before the effective date you have been diagnosed or received treatment for lung condition requiring the use of oxygen or a kidney condition requiring dialysis.
– You have been diagnosed with or received treatment for: Congestive heart failure, AIDS or HIV, Alzheimer’s or any dementia, pancreatic or liver cancer, any kind of metastatic cancer, condition requiring a bone marrow or organ transplant.

Pre-existing Conditions Coverage:

Note: Pre-existing Medical Conditions are only covered in Premier Plan.

Covered for the age 79 and under, provided they were stable in the last 180 days before the effective date of the policy.

The following Pre-existing conditions are NOT covered for people 70-79 y.o.:

a) Any heart condition including but not limited to heart attack, angina, arrhythmia or cardiac surgery.
b) Any brain condition including but not limited to stroke, transient ischemic attack (TIA), mini-stroke, aneurysm or seizure.
c) Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD), asthma, chronic bronchitis or emphysema.

Waiting Period:

There is No Waiting Period if your insurance policy begins on Departure Date (the day you travel to Canada.)

Benefits under this Policy are subject to the following conditions:

a) if Your Start Date is Your Departure Date, You must arrive in Canada within 48 hours from the time You leave Your Home Country;

b) if Your Start Date is after Your Departure Date:

Waiting period is as follows:

24 hours for Injury and 48 hours for Sickness after the Start Date and time of this Policy;

When Coverage Ends Your Coverage ends on the earliest of the following events:

1. The date and time You cancel Your insurance;

2. The date You become eligible for coverage under any Canadian federal, provincial or territorial government health insurance plan;

3. On the date You return to Your Home Country;

4. The Expiry Date as shown on Your Policy Confirmation.

Premium Refunds:

Premium refunds will not be issued, if there were any claims made during the period of coverage.
Full Refunds of insurance premium are available under the following circumstances:

– You request a full refund within 10 days from the moment of purchase, if it happens before the effective date of your policy.
– Your Visitors Visa, including Super Visa, was denied.
– No travel has taken place. However, a $250 fee will be deducted.

Partial Refunds will be issued if:

– You cancel your policy before the effective date due to Early Departure to your home country. However, $50 will be deducted.
– You become eligible and/or covered by the Provincial Medical Care Plan.
– You cancel your policy and decide to remain in Canada. Yet, $250 fee will be deducted.
In order to request a refund, please contact one of our Insurance Advisors.

Making a Claim with Travelance:

In the event of a medical emergency, you or someone on your behalf has to notify Emergency Assistance Provider prior to making a claim, if it is possible. If you do not contact Emergency Assistant Provider within the first 24 hours, you will have to pay 20% of any eligible medical expenses incurred by yourself.

You or someone on your behalf must also authorize Travelance to access all of your medical documentation from the treatment provider at the location you are hospitalized as well as your attending physician at home.
In order to proceed with a claim you need to do the following:

– Complete a Claim Form.
– Attach all original medical receipts or other confirmation of payment.
– Attach or give access to a detailed medical documentation.

Please note that all claim forms must be submitted within the first 30 days from the moment you have received medical treatment. Written proof of the claim has to be filed within 90 days and no later than 12 months after the treatment was received or expense incurred.
Detailed instructions on how to make a claim are outlined in the following documents

Essential Policy Premier Policy Brochure Refund Form