Destination Insurance

Destination: Travel Group Inc. is a Canadian insurance provider that has been offering travel insurance since 1992. Plans are underwritten by National Liability & Fire Insurance Company – Canada Branch, trading as Berkshire Hathaway Specialty Insurance, with claims administration and emergency assistance provided by Global Excel Management Inc. on behalf of BHSI, available 24 hours a day, 7 days a week. Three plans are available: Leisure Travel Insurance for Canadians heading abroad, Visitors to Canada Insurance for non-residents arriving in Canada, and International Student Insurance for students studying in Canada or abroad.

Destination Leisure Travel Insurance

Destination Leisure Travel Insurance protects Canadians travelling outside their home province or territory, worldwide. Up to $5,000,000 in emergency medical coverage is available per person per trip. Pre-existing conditions are covered if stable for 90 days (under 60) or 180 days (age 60–79) before the effective date. Available for travellers aged 15 days to 79 years, with a 10-day free-look period.

Plan highlights

• Emergency Medical — Up to $5M including hospital, physician, diagnostics, ambulance, drugs (30-day supply), private duty nursing.
• Paramedical Services — Up to $350 per practitioner (physiotherapist, chiropractor, osteopath, chiropodist, podiatrist).
• Emergency Assistance — Emergency transportation, bedside companion, return of vehicle (up to $2,500), pet return (up to $300), return to original destination (up to $5,000).
• Dental — Accidental dental up to $3,000; dental emergencies up to $500.

Destination Visitors to Canada Insurance

Destination Visitors to Canada Insurance provides emergency medical coverage for non-residents arriving in Canada — including tourists, super visa applicants, landed immigrants, migrant workers, and returning Canadians without provincial health coverage. Choose from $25,000 to $300,000 in coverage. Pre-existing conditions may be covered based on age and stability period. No upper age limit.

Plan highlights

• Coverage Amounts — $25,000, $50,000, $100,000, $150,000, $200,000, $250,000, or $300,000.
• Super Visa — The $100,000+ options meet the minimum requirement for Canadian super visa applications.
• Pre-existing Conditions — Covered if stable for 90 days (age 0–59), 120 days (60–69), or 180 days (70–79). All pre-existing excluded at age 80+.
• AD&D — Accidental Death & Dismemberment up to lesser of sum insured or $150,000; Flight Accident up to $50,000.

Destination International Student Insurance

Destination International Student Insurance provides emergency medical and supplemental health coverage for international students studying in Canada, and for Canadian students studying abroad. Up to $2,000,000 in coverage is available, with benefits tailored for students — including maternity, mental health care, dental, eye and physical exams, tutorial services, and trauma counselling. Dependents may also be covered.

Plan highlights

• Emergency Medical — Up to $2M including hospital, physician, diagnostics, ambulance, drugs (up to $10,000), private duty nursing (up to $15,000).
• Professional Services — Up to $600/practitioner (physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, acupuncturist, naturopath, speech therapist).
• Student Benefits — Maternity up to $25,000; mental health care up to $25,000; tutorial services; wisdom teeth; TB testing.
• Vision — Prescription glasses, contacts, or hearing aids up to $200 (from accidental injury).