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Travelance Travel Insurance provides flexible coverage for Canadian residents travelling outside their province or territory of residence. Plans are underwritten by Old Republic Insurance Company of Canada, with 24/7 emergency assistance. Three plans are available: a standalone Emergency Medical Plan, a comprehensive All-Inclusive Plan, and a Trip Cancellation and Interruption Plan. Both single-trip and annual multi-trip options are available. Pre-existing conditions are covered when stable prior to departure.
$10,000,000Emergency medical coverage
3 plansEM, All-Inclusive & Trip Can.
Single & annualSingle-trip or multi-trip
24/7Emergency assistance
Plan Comparison
| Benefit | Emergency Medical | All-Inclusive | Trip Cancellation |
|---|
| Emergency Medical | $10,000,000 | $10,000,000 | — |
| Evacuation / Return Home | $10,000,000 | $10,000,000 | — |
| Accidental Dental | $4,000 | $4,000 | — |
| Emergency Dental Pain | $300 | $300 | — |
| Emergency Paramedical | $300/practitioner | $300/practitioner | — |
| Accommodation & Meals (medical) | $350/day, $1,750 max | $3,500 max | — |
| Incidental Expenses | $250 | $250 | — |
| Bedside Visit | Included | Included | — |
| Return of Children | Included | Included | — |
| Child Care | $50/day, $500 max | $50/day, $500 max | — |
| Return of Travelling Companion | Included | Included | — |
| Vehicle Return | $2,000 | $2,000 | — |
| Return of Baggage | $500 | $500 | — |
| Return to Destination | Included | Included | — |
| Pet Care | $1,500 | $1,500 | — |
| Eyeglasses Replacement | $200 | $200 | — |
| Repatriation of Remains | Unlimited | Unlimited | — |
| Cremation/Burial at Destination | Up to $10,000 | Up to $10,000 | — |
| Trip Cancellation | — | Sum insured | Sum insured |
| Trip Interruption — Unused Land | — | Sum insured | Sum insured |
| Trip Interruption — Return Flight | — | Unlimited | Sum insured |
| Trip Delay | — | $1,500 | $1,000 |
| Accommodation & Meals (delay) | — | $1,000 | $350 |
| Baggage & Personal Effects | — | $1,500 ($500/item max) | — |
| Baggage Delay | — | $400 | — |
| Airflight Accident | — | $100,000 | — |
| Worldwide Travel Accident | — | $50,000 | — |
Eligibility
To be eligible for Travelance Travel Insurance (all plans), on the effective date you must:
- Be a resident of Canada;
- Be under 90 years of age;
- Not have a medical condition for which a physician has advised against travel;
- Not have been diagnosed with a terminal sickness; and
- Purchase the policy prior to your departure date.
For full emergency medical coverage, you must be insured under a valid Canadian GHIP or UHIP. Without GHIP/UHIP coverage, emergency medical is limited to $25,000. Applicants aged 70 and over must not reside in a retirement home, nursing home, or similar facility that provides daily assistance with mobility or medications.
Maximum Trip Lengths
| Age | Emergency Medical (Single Trip) | All-Inclusive (Single Trip) | Annual Plans |
|---|
| Ages 0–59 | Up to 365 days | Up to 365 days | 15 or 30 days per trip |
| Ages 60–69 | Up to 60 days | Up to 60 days | 15 or 30 days per trip |
| Ages 70–89 | Up to 16 days | Up to 60 days* | 15 days per trip (ages 70–79) |
* Ages 70–89 travelling more than 16 days on an All-Inclusive plan must complete a Travelance Insurance Eligibility Questionnaire.
Pre-existing Conditions & Stability
Emergency Medical Plan
| Age at Effective Date | Stability Period | Counted From |
|---|
| Ages 0–59 | 60 days stable | Departure date |
| Ages 60–74 | 180 days stable | Departure date |
| Ages 75–89 | 365 days stable | Departure date |
Additional heart and lung exclusion: Regardless of stability, any sickness resulting from a heart condition involving nitroglycerin use more than once per week for angina, or a lung condition treated with home oxygen or oral steroids (prednisone/prednisolone), during the stability period is excluded.
All-Inclusive Plan
| Benefit | Ages 0–59 | Ages 60–74 | Ages 75–89 | Counted From |
|---|
| Emergency Medical / Trip Interruption | 60 days | 90 days | 180 days | Departure date |
| Trip Cancellation (single trip) | 60 days | 90 days | 90 days | Effective date |
Trip Cancellation Plan
| Benefit | Ages 0–59 | Ages 60+ | Counted From |
|---|
| Trip Cancellation | 60 days | 90 days | Effective date |
| Trip Interruption | 60 days (ages 0–59) / 90 days (60–74) / 180 days (75+) | — | Departure date |
A condition is stable if, during the required period, there was no new diagnosis, no new or changed treatment or medication, no worsening, no new or more frequent symptoms, no hospitalization or referral to a specialist, and no outstanding tests or planned treatment.
Key Exclusions
- Pre-existing conditions not meeting the stability period
- Heart condition (nitroglycerin >1×/week) or lung condition (home oxygen/oral steroids) during stability period
- Trip undertaken against medical advice or after terminal sickness diagnosis
- Treatment that can reasonably be delayed until return home
- Ongoing or recurring conditions after initial emergency treatment
- Arthritis, cataracts, gout, varicose veins, corns, calluses, bunions
- Artificial joints within one year of surgery
- Childbirth after 26 weeks gestation or voluntarily induced abortion
- Mental/emotional disorders (stress, anxiety, depression) — unless admitted to hospital
- Elective medical treatment
- Alcohol, drugs, or sickness from long-term excessive consumption
- Suicide or intentionally self-inflicted injury — unless admitted to hospital
- Adventurous activities (ATV, BASE jumping, bungee jumping, hang-gliding, heli-skiing, mountain climbing, parachuting, scuba below 130 ft, skydiving)
- Organized professional sporting activities
- Motorcycle, moped, or scooter operation (without valid Canadian licence)
- Motorized speed or endurance races
- War, terrorism, riot, or armed forces participation
- Government of Canada "Avoid All Travel" or "Avoid Non-Essential Travel" advisories in effect at departure
Claims & Emergency Assistance
Call the emergency assistance line before hospital admission or within 24 hours of a life- or organ-threatening emergency. Failure to call without reasonable cause results in you being responsible for 30% of eligible expenses (Emergency Medical plan). Submit claims as soon as reasonably possible; proof must be submitted no later than 12 months after the event.
| Purpose | Contact |
|---|
| Emergency assistance (USA & Canada) | 1-800-334-7787 |
| Emergency assistance (direct/collect) | 1-905-667-0587 |
| Emergency assistance email | assistance@oldrepubliccanada.com |
| Claims (toll-free Canada & USA) | 1-888-526-0111 |
| Claims (direct) | 905-523-4731 |
| Claims fax | 1-866-551-1704 |
| Claims email | traveladmin@orican.com |
| Claims online | oldrepubliccanada.com/Claims/TAI |
Frequently Asked Questions
- Who can buy Travelance Travel Insurance?
- Canadian residents under age 90, travelling outside their province or territory of residence. Full emergency medical coverage requires valid GHIP or UHIP; otherwise limited to $25,000.
- What plans are available?
- Emergency Medical Plan ($10M medical/evacuation), All-Inclusive Plan (adds trip cancellation, interruption, delay, baggage, travel accident), and Trip Cancellation and Interruption Plan (no emergency medical). All available as single-trip or annual.
- Are pre-existing conditions covered?
- Yes, if stable before departure. Emergency Medical: 60 days (ages 0–59), 180 days (ages 60–74), 365 days (ages 75–89). All-Inclusive: 60–180 days depending on age and benefit type.
- What are the maximum trip lengths?
- Emergency Medical: 365 days (under 60), 60 days (60–69), 16 days (70–89). All-Inclusive: 365 days (under 60), 60 days (60–89). Annual plans cover 15 or 30 days per trip.
- What does the All-Inclusive plan include?
- $10M emergency medical, $10M evacuation, $4,000 accidental dental, trip cancellation/interruption to sum insured, $1,500 trip delay, $1,500 baggage, $400 baggage delay, $100,000 airflight accident, $50,000 travel accident.
- What if I don't call before emergency treatment?
- You become responsible for 30% of eligible expenses. Call 1-800-334-7787 (USA/Canada) or 1-905-667-0587 (collect) before admission, or within 24 hours of a life-threatening emergency.
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