Visitors to Canada are highly encouraged to have health and travel insurance to cover any emergencies encountered during their visit. Canadian laws also make health insurance coverage mandatory for certain documents like the Super visa.
This article will examine Allianz- a well-recognized financial service provider operating in the Canadian travel insurance market and their Visitors to Canada Plan.
Allianz Visitors to Canada Plan
The Visitors to Canada Plan is a versatile plan for international visitors visiting as temporary workers, students, tourists, new immigrants or Parents and grandparents on Super visas. The plans include emergency medical coverage for the duration of the visit with coverage options of CAD 25,000 CAD 50,000 and CAD 100,000.
What is covered under the Visitors to Canada Plan
The plan provides emergency medical coverage for expenses incurred from emergency sickness or injury during the trip. The coverage depends on the amount purchased, which can be CAD 25,000, 50,000 or 100,000 per person.
The situations covered under this plan are as follows:
- Emergency hospital accommodation and services necessary for emergency care
- Emergency medical supplies or treatment provided by a legally licensed health practitioner who is not related by blood or marriage
- Out-of-pocket expenses, including commercial accommodation and meals, child care, essential telephone calls, in-hospital TV rental and internet usage, taxi fares if the insured person is hospitalized as an inpatient during the trip
- Emergency Transportation arrangements if the insured person needs to be transported back to their country of origin for treatment of a covered sickness or injury
- Return of deceased if the insured individual dies due to covered illness or injury. Allianz will reimburse up to $10,000 for the preparation and return of a deceased person and up to $5,000 for cremation or burial services
- Dental emergencies like an accidental blow to the face can result in a reimbursement of up to $4,000 and $500 for immediate relief of acute dental pain
- 100% reimbursement for loss of:
- Life
- The entire sight of both eyes
- Both hands
- Both feet
- One hand and entire sight in one eye
- One foot and entire sight in one eye
- 50% of reimbursement for loss of:
- Entire sight in one eye
- One hand or
- One foot
What is not covered by the Visitors to Canada Plan?
The plan also excludes certain conditions from its coverage. These include:
- A Pre-existing condition if it falls under the circumstances specified here
- Costs incurred from continued treatment or recurring sickness/ injury if the insured individual refuses to be transferred or transported when declared medically fit to travel
- Costs incurred for any non-emergency or elective treatment
- Cost incurred from any sickness or injury if the insured had prior knowledge that treatment would be required before the trip
- Expenses incurred from pregnancy, abortion, miscarriage, childbirth and related complications
- Costs incurred after the insured is advised to return to their country of origin but chooses not to
The entire details of the Allianz Visitor to Canada Plan are available on their website, along with quotes based on your personal and travel details.
