Visitors to Canada Emergency Medical Insurance (VTC)
Our visitors to Canada plans are eligible as super visa insurance when purchased according to Canadian government requirements.
Choose from two plans:
- The Essential Plan is an option for visitors who are in good health, are not taking any medication, and require a low cost plan.
- The Premier Plan is our recommended plan, for visitors who want additional and upgraded benefits, and those with one or more pre-existing condition(s) (some conditions apply).
Compare Our Two Visitors to Canada Emergency Medical Insurance Plans
| Benefit | Essential Plan | Premier Plan |
|---|---|---|
| Maximum Duration | 558 Days | 558 Days |
| Emergency Medical | $25,000, $50,000, $100,000, or $150,000 | $25,000, $50,000, $100,000, or $150,000 |
| Hospitalization | Included (Semi-Private) | Included (Semi-Private) |
| 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 day supply, up to $1,000 | 30 day supply, up to $10,000 |
| Accidental Death & Dismemberment | N/A | Up to the plan limit chosen to a maximum of $100,000 |
| Pre-Existing Condition Coverage | N/A | 0-79 - 180 Day Stable Pre-Ex Conditions, 70-79 180 Day Stable Pre-Ex Conditions (Pre-Ex Heart, Brain, Lung Condition Excluded), 80-85 Pre-Ex Not Included |
| Emergency Return Home | Included | Included |
| Emergency Dental | Injury $2,000 Pain and Suffering $300 | Injury $5,000 Pain and Suffering $600 |
| Repatriation of Remains | $10,000 | $16,000 |
| Cremation/Burial At Destination | $4,000 | $6,000 |
| Identification of Remains | Round-Trip Airfare + $450 Expenses | Round-Trip Airfare + $450 Expenses |
| Follow-Up Visits | $3,000 and 3 Visits | $5,000 and 3 Visits |
| Emergency Paramedical | $300 Per Category | $750 per category |
| Visit to Bedside | Round-Trip Airfare + $3,000 Expenses | Round-Trip Airfare + $5,000 Expenses |
| Accommodation & Meals (Incl. Child Care) | $3,000 | $5,000 |
| Return/Escort of Dependent Children | Included | Included |
| Incidental Expenses | $500 | $800 |
| Return of Baggage & Personal Effects | $500 | $800 |
| Deductible Options | $0 (Base) $250 (-10%) $500 (-15%) $1,000 (-20%, Age 60-85) $1,000 (-30%, Age 0-59) $5,000 (-30%) $10,000 (-45%) | $0 (Base) $250 (-10%) $500 (-15%) $1,000 (-20%, Age 60-85) $1,000 (-30%, Age 0-59) $5,000 (-30%) $10,000 (-45%) |
| Family Rate* | 2x Eldest Insured Rate | 2x Eldest Insured Rate |
| Policy Wording | Essential Plan Wording | Premier Plan Wording |
Coverage under this plan is only for emergencies and does not include routine check-ups. For the definition of ’emergency’, please review the ’definitions’ section of the policy wording. Emergency medical insurance purchased for the purposes of the parent and grandparent super visa must meet IRCC requirements. This is a brief description of coverage. Please see policy wording for complete benefits, definitions, exclusions, limitations, terms and conditions.
*The family rate is designed for a single adult or couple travelling with one or more dependents. A dependent means any insured unmarried person who is dependent upon you for support, is travelling with you or who joins you during your period of coverage and is either: Under 21 years of age; Under 26 years of age, if a full time student; or Of anyone who is mentally or physically handicapped. The Family Rate is calculated at the eldest insured’s premium multiplied by two.
Underwritten by Old Republic Insurance Company of Canada.Who can buy?
- For Ages: 15 days to 85 years
- Those eligible as per the policy wording
Special Features
- Duration: 7 days to 18 months
- Plans are supported by 24/7 worldwide multilingual travel assistance
- Coverage begins once the insured leaves the borders of their home country when purchased prior to departure
- Refund of premium for early return
- No charge to cancel a policy due to visa denial
- Family Rates available
- 10 Day Right to Examine