Visitors to Canada


  • Who are enrolled in at least 60% of the required courses for a specific program at a Canadian school, college, university of accredited educational institution
  • Who are temporary resident of Canada without any government health care coverage
  • Who have completed your studies and remain up to a year in Canada to work in the field of your studies
  • Who would like the coverage under their policy for their spouse and dependents living with them

Key Benefits

  • $10,000 to $300,000 emergency hospital and medical care
  • Coverage for out-of-pocket expenses, including accommodations and meals, childcare costs, essential telephone calls and taxi fares
  • Coverage for trips outside of Canada as long as the majority of your stay in Canada
  • Allows you to visit your country of origin and to resume your coverage when you return to Canada, without having to reapply for a new policy
  • No mandatory underwriting

Benefit Detail

Benefit Details
Emergency Hospital Up to the maximum aggregate limit selected at the time of application, including semi-private hospital accommodation and for reasonable and customary services and supplies necessary for your emergency care during confinement as a resident in-patient.

Emergency Medical

* Emergency means a sudden, unforeseen sickness or injury occurring during the period of coverage, which requires immediate intervention by a physician or legally licensed dentist and cannot reasonably be delayed.

  • The emergency services of a legally licensed physician, surgeon, or anaesthetist.
  • Follow-up visits as prescribed by the attending physician at the time of the emergency.
  • Diagnostics, lab tests and/or X-ray examinations as ordered by a physician for the purpose of diagnosis.
  • The services of the following legally licensed practitioners for treatment of a covered sickness or injury: chiropractor, osteopath, podiatrist/chiropodist, physiotherapist, when ordered by the attending physician, acupuncturist. Not to exceed $500 per profession.
  • Private duty services of a Registered Nurse when approved in advance by AGA. Not to exceed $10,000.
  • The use of a licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary.
  • Rental of crutches or hospital-type bed, not exceeding the purchase price; and the cost of splints, trusses, braces or other approved prosthetic appliances approved in advance by AGA.
  • Emergency out-patient services provided by a hospital.
  • When not hospitalized as an in-patient, drugs or medications that require a physician’s written prescription, not exceeding a 30-day supply, to a maximum of $1,000.
Emergency Transportation When necessary transportation to your country of origin when immediate medical consultation is required due to a covered emergency sickness or injury. Any emergency transportation such as air ambulance, one-way economy airfare, stretcher and/or a medical attendant must be pre-approved and arranged by AGA.
Transportation of Family or Friend Up to $3,000 for round-trip economy class transportation by the most direct route, and up to $1,000 for reasonable costs incurred after arrival by your family member or close friend if you are hospitalized.
Emergency Return Home for you and one family member Up to $3,000 for additional cost of one-way economy transportation by the most direct route for you and one insured family member to your country of origin when approved and arranged by Allianz Global Assistance (AGA). Your coverage under this policy ceases once you have been returned to your country of origin under this benefit.
  • Accidental Dental : Up to $4,000 for repair or replacement of whole or sound natural teeth caused by an accidental blow to the face.
  • Dental Emergencies : Up to $500 for the immediate relief of acute dental pain, other than provided under Accidental Dental.
* Treatment relating to any dental claim must begin within 48 hours after the onset of the emergency and must be completed within the period of coverage and prior to your return to your country of origin.
Return of Deceased (Repatriation) In the event of death, up to $10,000 is provided to return your body home, or up to $4,000 for cremation or burial at the place of death.
Out of Pocket Expenses Reimbursement of up to $150 per day to a maximum of $1,500 or up to a maximum 10 days in the event you (or your insured travelling companion) are confined to hospital on the date on which you are scheduled to return home.
Accidental Death & Dismemberment Up to the aggregate limit selected at the time of application for accidental loss of life, limb, or sight.
Act of Terrorism If you sustain a loss from an act of terrorism that is otherwise covered under this plan, AGA will pay up to an aggregate limit of $2.5 million for one or a series of such acts and up to $5 million for all such acts in a calendar year involving all AGA-issued policies including this policy. Terrorism from nuclear, biological or chemical means is excluded.
Sum insured options $10,000, $25,000 / $50,000 / $100,000 / $150,000 / $300,000
English    Korean    Japanese    Spanish    Portuguese

Other Resources
Download Policy Wording
Download Claim Form
Download Detailed Medical Questionaire
Download Application Form

Key BenefitsMaximum Limit
Maximum liability$200,000 CAD
Emergency medical treatment
  • Emergency medical treatment for sickness
    or injury whether in-patient or out-patient
  • Services of physician
  • Private duty nursing
  • X-rays and laboratory services
  • Rental or purchase of essential medical appliances
Follow-up visitsThree follow up visits within 14 days of the initial emergency medical treatment
AmbulanceGround, sea and air including paramedics or taxi in lieu
Prescription drugsLimit of a 30-day supply
Professional medical servicesUp to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath, podiatrist and optometrist
Fracture treatmentUp to $1,000 for medical treatment related to fractures, including x-rays, cast removal, re-casting and physiotherapy
Hospital allowanceUp to $75 per day for incidental hospital charges
Emergency air transportationUp to Policy limit; includes cost of air ambulance, stretcher fare or one-way economy airfare, medical attendant or travelling companion, seat upgrade when medically necessary ( for insured and attendant or travelling companion )
Return of travelling companionA one-way economy airfare back to the departure point if the insured is returned home for medical reasons.
Return of children/grandchildrenIf the insured is returned under the Air Transportation benefit, or Repatriation benefit; a one-way economy airfare to return dependent children/grandchildren back to original departure point and cost of chaperone applies to children/grandchildren ages 21 or 25 if full-time student; no age limit for mentally/physically handicapped.
  • Up to policy limit for preparation and return of body
  • Burial up to $5,000
  • Cremation up to $5,000

Includes cost to return ashes to country of permanent residence

  • Transportation costs for one family member to identify the body, and up to $300 per day to a maximum of $1,500 for meals and accommodation, the family member will also be covered as an insured
Family transportationOne economy return airfare or ground transportation costs and up to $300 per day to a maximum of $1,500 for out-of-pocket expenses
Child CareUp to $250 per day to a maximum of $2,500 for child care costs for insured children 18 years and under when insured is confined to hospital or transferred to a different hospital in another city for emergency medical treatment
Out-of-pocket expensesUp to $250 per day to a maximum of $2,500
  • Up to $4,000 for accident
  • Up to $500 for any other dental emergencies
24-hour accident insuranceUp to $25,000
Sum insured options$25,000 / $50,000 / $100,000 / $150,000 / $200,000
RatesSingle person, two person, family rates available
Deductible$150 CAD automatic; option to buy out deductible at a 15% surcharge; other options available for a premium discount.
Waiting period
  • No waiting period on sickness if policy is purchased prior to arrival in Canada
  • 48-hour waiting period on sickness if policy is purchased within 60 days of arrival in Canada
  • 7-day waiting period on sickness if policy is purchased 61 days or more after arrival in Canada
Travel worldwideTravel worldwide and visits to country of permanent residence are valid as long as majority of time is spent in Canada; no coverage provided while in country of permanent residence
Pre-existing conditions coverage
  • 59 years and under :
    120 days of stability period prior to the effective date or arrival date in Canada
    – whichever occurs later
  • 60 to 69 years :
    180-day stability period prior to the effective date or arrival date in Canada
    – whichever occurs later
  • 70 years and over :
    Pre-existing conditions are not covered
  • Non-emergency treatment
  • Long term or ongoing care
  • Tests and investigative consultation
  • Refer to the policy wording for a complete list of exclusions
Claims procedureConsult the claim guideline in the policy wording

Optional Coverage
Contact SportsProvides coverage for contact sports (for 18 years and over)
– sum insured up to policy limit.
* Surcharge will apply
Adventure SportsProvides coverage for adventure sports
– sum insured up to policy limit.
* Surcharge will apply
Extreme SportsProvides coverage for extreme sports
– sum insured up to policy limit.
* Surcharge will apply
Sum insured options$25,000 / $50,000 / $100,000 / $150,000 / $200,000


Other Resources
Download Policy Wording

Download Claim Form
Download Claim Form ( Korean Guide )

Download Detailed Medical Questionaire ( English )
Download Detailed Medical Questionaire ( French )

Download Medical Definition ( English )
Download Medical Definition ( French )

Minimum Policy Premium$20.00$20.00
Maximum Sum Insured$100,000.00$150,000.00
Emergency Hospital accommodation and medical servicesUp to sum insuredUp to sum insured
Emergency TransportationIncludedIncluded
Diagnostic ServicesLaboratory test as a part of emergency.
Does not cover MRI, CAT, etc unless approved in advance
Follow-up visit related to emergency Up to 3 times
Prescription DrugsUp to 30-day supply,
$500 per prescription
Up to 30-day supply,
$1,000 per prescription
Private Duty Nurse$5,000.00Up to sum insured
Other Professional ServicesLimit$300.00$500.00
Dental Accident$1,000.00$3,000.00
Dental Pain$300.00$500.00
Medical appliance$5,000.00$5,000.00
Transportation of 1 family / friend to bedside $3,000.00
Return of Deceased (Repatriation)$5,000 ( Preparation ),
$2,500 ( Cremation )
$10,000 ( Preparation ),
$5,000 ( Cremation )
Emergency Return homeEconomy one-wayEconomy one-way
Return and escort of dependent children
* if you are being sent back.
 Children included. No others
Out of Pocket expenses
* if is confined in hospital on the planned date of departure, commercial accommodation, child care, taxi and phone.
Hospital allowance
* phone bill, internet, tv
Excess baggage return $500.00
AD&D Up to $25,000
Flight Accident $500,000.00
Outside of Canada1. Covered if majority is in Canada (51%)
2. USA covered up to 30 days

Visitors to Canada Plan FAQ

Sum Insured Amount is your choice of amount set for total liability coverage. 
Please refer to the sum insured options in Benefit Detail of this page.

Allianz :
  • Age up to 59 is covered for pre-existing conditions if stable for 90 days.
  • Age between 60 – 79 is covered for pre-existing Heart, Stroke/ministroke, and any other pre-existing condition is excluded if not stable 180 days prior to the effective date – if such coverage is requested and the complete Detailed Medical questionnaire form is accepted by Allianz Global Assistance. Otherwise, pre-existing Heart, Stroke/ministroke, and any other pre-existing condition is excluded.
  • Age between 80-89 is covered only if your complete Detailed Medical questionnaire form is accepted by Allianz Global Assistance
Tugo :
  • Pre-existing conditions that are not stable in the 120 days before the effective date or the arrival date in Canada, whichever occurs later, for insureds who are 59 years and under on the application date.
  • Pre-existing conditions that are not stable in the 180 days before the effective date or the arrival date in Canada, whichever occurs later, for insureds who are 60 to 69 years on the application date.
  • Any pre-existing conditions for insureds who are 70 years and over on the application date.
Allianz :
  • Family includes the applicant, age 59 and under, the applicant’s spouse, age 59 and under, and dependent children at least 15 days of age and no more than 21 years of age.
  • Family rate will be calculated based on the oldest Person’s rate * 2.
Tugo :
  • Two-person rate and Family rate are available. Please contact us for more information.

All Visitors to Canada plan’s total premium per policy – regardless of insurance provider – must be greater than $20.

Wonder how to submit a claim?

If you’re already a insurance policy holder and wonder how to submit your insurance claim regarding your medical expenses, click below.