Allianz Visitors Insurance

Allianz Visitors to Canada Insurance provides emergency medical coverage for non-residents arriving in Canada who are not insured under a Canadian provincial health plan. Plans are underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies, and administered by Allianz Global Assistance (AZGA Service Canada Inc.). Suitable for international tourists, super visa applicants, temporary foreign workers, landed immigrants, and returning Canadians awaiting provincial health coverage. A 10-day free-look period is available.

Coverage Options

Benefits

• Emergency hospital accommodation (semi-private room)
• Emergency medical services — physician, surgeon, anaesthetist
• Follow-up visits as prescribed by attending physician
• Diagnostic tests, lab work, and X-rays
• Chiropractor, osteopath, podiatrist/chiropodist, physiotherapist, or acupuncturist — up to $500 per profession
• Private duty registered nurse — up to $10,000
• Rental of crutches, hospital bed, splints, braces, prosthetics
• Prescription drugs (30-day supply) — up to $1,000
• Emergency out-patient hospital services
• Local land, air, or sea ambulance to nearest hospital
• Emergency transportation to country of origin when medically necessary
• Emergency return home — up to $3,000 (you + one family member)
• Accidental dental injury — up to $4,000
• Emergency dental pain relief — up to $500
• Out-of-pocket expenses while hospitalized — up to $150/day, $1,500 max
• Transportation of family member or friend to bedside — up to $3,000 (+ up to $1,000 for accommodation/meals/transport)
• Return of deceased (repatriation) — up to $10,000 (or cremation/burial up to $4,000)
• Accidental Death & Dismemberment — up to sum insured

Eligibility

Coverage is NOT available to any individual who, as of their effective date:

• Has been diagnosed with a terminal illness; or
• Has been diagnosed with stage 3 or 4 cancer; or
• Has received treatment for any cancer (other than basal or squamous cell skin cancer, or breast cancer treated only with hormone therapy) in the past 3 months; or
• Requires assistance with activities of daily living as the result of a medical condition.

To be eligible for coverage, you must, as of the effective date:

• Be at least 15 days old and not more than 89 years old; and
• Not be insured or eligible for benefits under a Canadian government health insurance plan; and
• Be in good health at the time you purchase your policy and on the date you exit your country of origin, and know of no reason to seek medical consultation during the period of coverage.

Waiting Period

A 48-hour waiting period applies to sickness-related claims if you purchase your policy after the expiry of an existing Allianz-administered policy, or after you have already exited your country of origin. Any sickness that manifests during this 48-hour waiting period is not covered, even if expenses are incurred afterward.

Key Exclusions

• Pre-existing conditions (any age) — conditions existing on or before effective/departure date
• Terminal illness diagnosed before effective date
• Stage 3 or 4 cancer, or cancer treatment within 3 months
• Treatment not related to an emergency
• Elective, routine, or experimental treatment
• Costs incurred in your country of origin
• Dental treatment (other than accidental dental injury or emergency dental pain)
• Pregnancy complications; childbirth; newborn care
• Mental, psychiatric, or psychological conditions
• Alcohol abuse (BAC over 80 mg/100 mL), drugs, or intoxicants
• Professional sporting competition or training
• High-risk activities (skydiving, bungee jumping, caving, heli-skiing, free climbing, SCUBA beyond 20m)
• War, acts of war, civil unrest, terrorism, political risk
• Natural disasters, nuclear reaction, or radiation
• Acts, prohibitions, or travel advisories by government authority

Claims & Emergency Assistance

Contact Allianz Global Assistance before seeking treatment. In a serious emergency, get to hospital immediately and have someone call within 24 hours of admission and before any surgery. Failure to call without reasonable cause results in benefits being limited to 80% of eligible expenses. Submit a completed claim form with all original bills and receipts to Allianz Global Assistance.

Frequently Asked Questions

Who is this plan for?
International tourists, family and friends visiting Canada, super visa applicants, temporary foreign workers, landed immigrants, and returning Canadians not yet eligible for provincial health coverage.

What coverage amounts are available?
$25,000, $50,000, or $100,000 in emergency medical coverage. The $100,000 plan meets the minimum insurance requirement for Canadian super visa applications.

Are pre-existing conditions covered?
No. This plan excludes medical conditions or symptoms that existed on or before your departure date or effective date, for travellers of any age. There is no stability-based pre-existing condition option on this plan.

Is there a waiting period?
A 48-hour waiting period for sickness claims applies if you buy coverage after your existing Allianz policy has expired or after you have already left your country of origin.

Can I extend my coverage if I stay longer than planned?
Yes, contact your insurance representative or Allianz Global Assistance before your coverage expires to request an extension, subject to policy terms.

What happens if I don't call before seeking treatment?
Benefits will be limited to 80% of eligible expenses. In a life-threatening emergency, get to hospital immediately and have someone call Allianz within 24 hours of admission and before any surgery.