Destination Canada Plan Details

Comprehensive emergency medical insurance for visitors, immigrants, and Super Visa applicants

Get Quote Now Destination Canada Policy Wordings Summary of Benefits

Benefits

The range of coverage and services included in the policy, such as medical expenses, emergency care, trip interruption, and more.

Benefit Category	Coverage Details
Emergency Hospital	The insurer agrees to pay for semi-private hospital accommodation and for reasonable and customary services and supplies, including drugs and medication administered during your hospitalization, necessary for your emergency medical care during confinement as a resident inpatient.
Emergency Medical	The insurer agrees to pay for the following services, supplies, or treatment resulting from a covered injury or sickness when performed and authorized by a health practitioner who is not related to you by blood or marriage: a) Emergency services that are provided by a legally licensed physician, surgeon, or anesthetist. b) Private duty services of a Registered Nurse when approved in advance by Zurich Travel Assist. Not to exceed $10,000. c) The services of a legally licensed physiotherapist, chiropractor, osteopath, chiropodist or podiatrist when ordered by an attending physician as treatment of a covered injury. Not to exceed $500 per category of paramedical practitioner for outpatient treatment. d) When performed at the time of the initial emergency, lab tests and/or x-ray examination as ordered by a physician for diagnosis. e) The use of a licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary when approved and arranged by Zurich Travel Assist. f) Rental of crutches or hospital-type beds, not exceeding the purchase price; and the cost of splints, trusses, braces, or other approved prosthetic appliances. g) Emergency outpatient services provided by a hospital. h) Drugs and/or medications, prescribed by a physician on an outpatient basis, for your covered emergency. This benefit is limited to a one-time 30-day supply per prescription and up to $1,000 per policy. Charges for vitamins, vitamin preparations, over-the-counter drugs or medications are not covered.
Emergency Transportation	When necessary, the insurer agrees to pay to transport you 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 approved and arranged by Zurich Travel Assist.
Transportation of Family or Friend	The insurer agrees to pay up to $3,000 for one 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: a) You are hospitalized due to a covered sickness or injury and the attending physician advises the necessary attendance by such persons; or b) Local authorities legally require the attendance of such person to identify your remains in the event of death due to a covered sickness or injury.
Attendant	If you are hospitalized for 48 hours or more as a result of an emergency, the insurer agrees to pay up to $50 a day, to a maximum of $500 for an attendant, other than a relative, to care for your accompanying travelling companion(s) under age 18, or physically or mentally handicapped travelling companion(s) who rely on you for assistance.
Follow-up visits	The insurer agrees to pay up to $3,000 to have you re-examined to monitor the effects of earlier treatment directly related to an initial emergency, except while hospitalized, provided the initial emergency has been reported to Zurich Travel Assist. Follow-up visits do not include continuous or ongoing treatment or further diagnostic, or investigative testing related to the initial emergency.
Accidental Dental	The insurer agrees to pay reasonable and customary costs up to $3,000 for emergency treatment or services to whole or sound natural teeth (including capped or crowned teeth) caused by an accidental direct blow to the face. Treatment relating to any dental claim must begin and end within 90 days from the onset of the accident and prior to your return to your country of origin.
Dental Emergencies	The insurer agrees to pay up to $500 for the immediate relief of acute dental pain caused by a dental emergency other than a direct blow to the face. Dental conditions for which you have previously received treatment or advice are not covered. Treatment relating to any dental claim must begin and end within 90 days from the onset of the emergency and must be completed within the period of coverage and prior to your return to your country of origin.
Meals and Accommodation	The insurer agrees to pay up to $150 per day to a maximum of $1,500, or up to a maximum of 10 days in the event you or your insured travelling companion are confined to a hospital on the date on which you are scheduled to return home. The insurer will pay for a hotel or motel room or a bed and breakfast when licensed under the law of its jurisdiction, meals, childcare costs (children under age 18, or physically or mentally handicapped travelling companion(s) who rely on you for assistance), essential telephone calls and taxi fares incurred by you or any insured travelling companion. The insurer will only pay these expenses if you have actually paid for them. IMPORTANT NOTE Expenses must be supported by original receipts from commercial organizations.
Emergency Return Home	If a covered sickness or injury requires you to be returned home during the period of coverage, the insurer agrees to pay up to $3,000 for the additional cost of a one-way economy transportation by the most direct route to your country of origin when approved and arranged by Zurich Travel Assist. This benefit also includes one insured family member.
Return of Deceased	In the event of death due to a covered sickness or injury, the insurer agrees to reimburse up to: a) $10,000 for the costs incurred to prepare and return your remains in a standard transportation container to your country of origin; or b) $4,000 for cremation or burial at the place of death. The cost of a coffin or urn, headstones, flowers, and reception expenses are not covered.
Accidental Death & Dismemberment	The insurer agrees to pay up to the maximum sum insured selected at the time of application, not to exceed $150,000, for loss of life, limb, or sight resulting directly from accidental injury, occurring during the period of coverage, except while boarding, riding in, or disembarking from an aircraft. Only one amount is payable (the largest) if you suffer more than one of these losses.
Flight Accident	The insurer agrees to pay up to a maximum sum insured of $50,000 for death or dismemberment as a result of an accident sustained during the period of coverage while entering, riding, or leaving an airplane or helicopter flight lawfully operated by a licensed public air common carrier as a fare-ticket passenger.
Exposure and Disappearance	If you are exposed to the elements or disappear as a result of an accident, a loss will be covered if: a) as a result of such exposure, you suffer one of the losses specified in the schedule of losses above; or b) your body has not been found within 52 weeks from the date of the accident it will be presumed, subject to evidence to the contrary, that you suffered loss of life.
Side-trip outside Canada	The insurer agrees to provide coverage for emergency medical expenses you incur during a side-trip outside of Canada, provided: a) the majority of the period of coverage is spent in Canada (at least 51% of your trip). This may not apply in certain circumstances, see Extending Your Trip on page 35 for details; and b) the side-trip is not in your country of origin. IMPORTANT NOTE Our policy allows you to make a temporary return to your country of origin. No insurance coverage will be provided in your country of origin and if you receive any treatment during this temporary return, any treatment relating to that medical condition will not be covered for the remaining period of coverage. The temporary return must be less than 51% of the period of coverage.

Specific Conditions

Any medical conditions, illnesses, or injuries that you had before purchasing the insurance policy. Coverage for these may be limited or subject to specific terms.

• Age (on application date) – no age limit
• Period – maximum policy period – 365 days.
• Deductible: $0, $250, $500, $1,000, $2,500, $5,000 and $10,000 per claim
• Waiting Period for Illness:
– No waiting period if the insurance is purchased: before your departure from your country of origin or the same policy has been extended.
– 48 hours after your effective date if you purchased within 30 days after your date of departure from your country of origin.; or
– 7 days after your effective date if you purchased more than 30 days after your date of departure from your country of origin.
The waiting period will be waived when this insurance is purchased:
– before the date of departure from your country of origin; or
– before the date your existing Destination: Canada policy expires and there is no lapse or gap in coverage; or
– before the date any other existing health insurance coverage expires, and there is no lapse in coverage. In the event of a claim, you must provide satisfactory proof of your previous insurance coverage in order to have the waiting period waived.
• Pre-existing medical conditions (only if you select Option 1):
– 90 days stability required for age 59 or under
– 120 days for age 60-69
– 180 days for age 70 to 79
All pre-existing medical conditions will be excluded from coverage if you are age 79 or under and selected Option 2 or if you are age 80 and over.

Eligibility

The criteria you must meet to purchase or be covered under the insurance plan, such as age limits, residency status, or travel requirements.

Section	Details
PRE-EXISTING CONDITION coverage	If at the time of application, you are 59 years of age or under and selected Option 1: Pre-existing medical conditions are covered provided that those medical conditions have been stable in the 90 days immediately before the effective date. If at the time of application, you are between 60 and 69 of age or under and selected Option 1: Pre-existing medical conditions are covered provided that those medical conditions have been stable in the 120 days immediately before the effective date. If at the time of application, you are between 70 and 79 of age or under and selected Option 1: Pre-existing medical conditions are covered provided that those medical conditions have been stable in the 180 days immediately before the effective date. If at the time of application you are 79 years of age or under and selected Option 2 at the time of application: All pre-existing medical conditions will be excluded from coverage. If at the time of application you are 80 years of age or over: All pre-existing medical conditions will be excluded from coverage.
STABLE	STABLE means a medical condition that is considered stable when all of the following statements are true: there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment); and there has not been any change in medication (including increase or decrease of dosage), or any recommendation or starting of a new prescription drug, and the medical condition has not become worse, and there has not been any new, more frequent or more severe signs or symptoms, and there has been no hospitalization or referral to a specialist, and there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and there is no planned or pending treatment. All of the above conditions must be met for a medical condition to be considered stable.
Medical consultation	Medical consultation means any medical services obtained from a physician for a sickness, injury or medical condition, including but not limited to any or all of: history taking, medical examination, investigative testing, advice or treatment, and during which a diagnosis of the medical condition need not have been definitively made. This does not include routine annual medical check-ups where no medical signs or symptoms existed or were found during the check-up.
Change in medication	Change in medication means the medication type, dosage, or frequency is reduced, increased, stopped, and/or new medications are prescribed.
Exceptions	Exceptions: regular blood tests that result in routine adjustments of Coumadin, warfarin, or insulin as long as these medications are not newly prescribed or stopped; or, changing from a brand name medication to the same dose of a generic medication.

Refunds

The amount you may be eligible to receive back if you cancel your policy, depending on the timing and the insurer’s refund terms.

Scenario	Refund Policy	Fees
Visa Denial	Full refund with proof of denial	$150 admin fee for 1-year policies
Early Return	Pro-rated refund based on departure date	$25 fee; minimum $25 refund
Government Health Plan Eligibility	Full refund with proof of coverage	$25 fee
Monthly Plan Cancellation	Non-refundable after effective date	$25 fee per failed payment

Extensions

The option to continue your coverage by extending the policy duration before it expires, subject to approval and conditions.

Extension Type	Conditions
Automatic Extensions	72 hours for conveyance delays 5 days if medically unfit to travel Hospitalization coverage until discharge + 72 hours
Policy Extensions	New application required; pre-approval needed if prior claims exist
Side-Trips	≤30 days outside Canada; majority of trip must be in Canada (51%+)

Claims

The process of requesting reimbursement or payment from the insurance company for covered expenses during your policy period.

Process Step	Requirements	Penalties for Non-Compliance
Notification	Contact Zurich Travel Assist within 24 hours of hospitalization/treatment	20% co-insurance penalty
Documentation	Submit within 90 days: Itemized bills Proof of payment Medical records Police reports (for accidents)	Claim denial if incomplete
Special Cases	Death claims require autopsy/coroner report (if legally permitted)	N/A

Exclusions

Specific situations, treatments, or conditions that are not covered under the policy, which means no claim can be made for them.

Category	Key Exclusion Triggers
Pre-existing Conditions	Not stable (90 / 120 / 180 days) based on age (59-, 60–69, 70–79) • Option 2 = All excluded
Waiting Period	48 hours (within 30 days purchase) • 7 days (after 30 days)
Mental / Cognitive	Alzheimer’s disease • Dementia • Minor mental/emotional disorder • Self-inflicted injuries
Legal / Risk Events	War • Terrorism • Kidnapping • Riot / civil commotion • Criminal acts
Travel Purpose	Diagnosis / treatment / surgery / investigation / palliative care
Substance Use	Alcohol abuse • Drug use • Medication misuse • Non-compliance with treatment
Treatment Type	Non-emergency • Experimental • Elective (cosmetic)
Approval Requirement	No pre-approval from Zurich Travel Assist
Delayed Care	Treatment can be delayed until return to country of origin
Routine / Ongoing Care	Check-ups • Chronic condition care • Home care • Rehabilitation
Sports / Activities	>60 km/h racing • Motorsports • Skydiving • Mountaineering • Rodeo
Pregnancy	Pregnancy • Delivery • Miscarriage • Complications
Childbirth	Child born during trip
Motor Vehicle	Covered under other motor vehicle insurance
Legal Restrictions	Violates provincial / territorial legislation
Alternative Treatment	Naturopathic • Holistic • Acupuncture
Cost Limits	Above reasonable and customary charges
Travel Advisory	Canada advisory: “Avoid all travel” / “Avoid non-essential travel”
Location Limits	Outside Canada (if <51% stay in Canada) • Inside country of origin
Temporary Return	Treatment during temporary return to country of origin
Air Travel	Not in licensed commercial aircraft
Commercial Vehicle	Used for delivering goods / carrying load
AD&D Limitation	Aircraft occupancy exclusion (AD&D only)

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