This policy avoids the pitfalls we see in many policies on the market. Here are the highlights: No medical questionnaire under 60 years old; NO "Post-Claim" clause allowing the insurer the unilateral right to terminate the policy if the claimant does not return to his/her home country; NO claim waiting period if the policy is purchased prior to arrival in Canada. Many other policies typically contain a 48 hour + waiting period if purchased prior to arrival in Canada. NO duration cap to travel to other countries as long as majority of time is spent in Canada. No requirement to notify insurer if a medical change occurs between the purchase and arrival to Canada. NO dollar cap on emergency air transportation. This policy pays up to the maximum of the policy value. This insurance provides coverage for medical expenses incurred while travelling outside the insured’s country of permanent residence. Coverage is available for visitors to Canada, foreign workers, international students studying in Canada, immigrants and returning Canadians not eligible for provincial health care coverage.

* COVID-19 coverage is included unless government of Canada changes advisory to "Avoid ALL travel into Canada"


  1. Option to insure up to $300,000
  2. Coverage for stable pre-existing conditions (please refer to stability requirement per age category)
  3. COVID-19 coverage included unless government of Canada changes advisory to “Avoid ALL travel in Canada”
  4. Worldwide coverage included if majority of time is spent in Canada
  5. Trips to home country permitted but expenses not covered while there
  6. NO Medical Questionnaire Required if under 60 years old
  7. NO age limit
  8. NO waiting period if policy is purchased before entering Canada
  9. NO “Post-Claim Clause”. This policy will not be Cancelled by Insurer if claimant doesn’t return to Home Country
  10. NO Claim Waiting Period if Policy Purchased Prior To Arrival in Canada
  11. NO Requirement to Notify Insurer if a Medical Change occurs Between Purchase and Arrival in Canada;
  12. Low risk sports included.  Option to purchase rider for extreme sports
  13. Liberal definition of stability and medical treatment interpretation
  14. No Dollar cap on emergency Air transportation, Policy pays up to Policy maximum value
  15. No mandatory arbitration clause where disputes are contract barred from seeking resolution in the courts

Note some policies have the “Mandatory Arbitration” clause where the arbitrator’s decision is final and no party may appeal the decision to any court

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Visitors to Canada