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Travelance Visitor to Canada Insurance Review – 2024
Travelance visitors to Canada insurance offers comprehensive emergency medical services for non-residents visiting Canada. The company offers two plan types: the Essential Plan which covers standard medical emergencies such as hospitalization, diagnostic scans, physician’s fees, etc., and the Premier Plan, which also covers pre-existing health conditions. Travelance provides flexible payment plans, extended coverage, and family rates, making it a reliable option for visitors seeking peace of mind.
- What are the key features of Travelance’s visitor health insurance?
- What are the different Travelance visitor health plans I can choose from?
- Does Travelance cover pre-existing conditions?
- What is the waiting period for Travelance visitors to Canada insurance?
- How much does visitor health insurance from Travelance cost?
- Can I pay monthly for my Travelance medical insurance for visitors?
- What are the pros and cons of Travelance’s visitor health insurance?
- Who is eligible for Travelance's visitor health insurance?
- How does Travelance assist in processing claims?
- Are there any exclusions or limitations to Travelance’s visitor health insurance?
- Frequently asked questions
If you’re visiting Canada, getting the right medical insurance for visitors to Canada is essential to protect yourself from unexpected emergency medical expenses during your visit. In this Travelance visitor insurance review, we’ll take a detailed look at the coverage options, costs, and benefits offered by Travelance, a leading provider of visitor health insurance in Canada.
Established in 2013, Travelance has quickly become a trusted name in the Canadian insurance landscape. Over the years, the company has successfully served thousands of customers, ensuring peace of mind for non-residents and tourists alike.
Whether you’re a tourist, new immigrant, work permit holder, or student in Canada, this review will help you decide if Travelance is the right choice for you.
What are the key features of Travelance’s emergency medical plans for visitors?
Travelance emergency medical plans for visitors to Canada include coverage for individuals up to 85 years of age, with a maximum coverage limit of $150,000. They have a range of deductibles from $250-$10,000 and also provide monthly payment options for longer trips.
Key features of Travelance visitor to Canada insurance
| Category | Details |
| Maximum age | 86 years |
| Maximum coverage amount | $150,000 |
| Deductibles | $0, $250, $500, $1,000, $5,000, $10,000 |
| Waiting period | – 24 hours in case of injury regardless of purchase delay
– 48 hours if the policy was purchased within 30 days of visiting Canada – 7 days if the policy was purchased later than 30 days of visiting Canada |
| Monthly payment plans offered | Yes |
| Stability period | 180 days |
| Coverage period | 558 days |
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What are the different Travelance visitor health plans I can choose from?
Travelance provides two visitor insurance plan options that tourists can choose from: the Essential Plan and the Premier Plan. While the Essential Plan does not cover pre-existing conditions, the Premier Plan provides coverage for stable pre-existing conditions.
The coverage options, premium amounts, and benefits can differ for both of them. The following table highlights the differences between the two plans:
Travelance visitor to Canada insurance plans
| Benefit | Essential plan | Premier plan |
| Pre-existing medical conditions | No coverage for pre-existing conditions | Coverage for some pre-existing conditions for visitors up to 79 years of age, provided the condition is stable 180 days before the effective date of the policy |
| Maximum sum insured | Up to $100,000 (people aged between 70 and 85 years); up to $150,000 (14 days to 69 years) | |
| Waiver of deductible | First $250 of the deductible is waived when hospitalized for 72 consecutive hours | First $1,000 of the deductible is waived when hospitalized for 72 consecutive hours |
| Coverage duration | Up to 558 days | |
| Hospitalization | Semi-private accommodation included | |
| Services of physician, surgeon, in-hospital nurse | Included | |
| Ambulance | Included | |
| Diagnostic, laboratory & X-rays | Included | |
| Therapeutic equipment rental & purchase | Included | |
| Prescription medications | Coverage for 30 days of supply, with $1,000 covered per occurrence | Coverage for 30 days of supply, up to $10,000 covered per occurrence |
| Emergency return home | Included | |
| Emergency dental | Dental injury coverage up to $2,000
Non-injury pain coverage up to $300 |
Dental injury coverage up to $4,000
Non-injury pain coverage up to $500 |
| Repatriation of remains | Coverage up to $10,000 | Coverage up to $16,000 |
| Cremation/burial at destination | Coverage up to $4,000 | Coverage up to $6,000 |
| Follow-up visits | One visit covered, with coverage up to $1,000 | Three visits covered, with coverage up to $3,000 |
| Emergency paramedical services | Not covered | Covered, $500 for every category of paramedical practitioner |
| Visit to bedside | Not included | Coverage up to $3,000 for airfare and an additional $1,000 for further expenses |
| Return/escort of dependent children | Not included | Coverage up to $3,000 |
| Accidental death & dismemberment | Not covered | Covered, the coverage ranges from the chosen plan limit to a maximum amount of $100,000 |
| Coverage for side trips | Included | |
| Medical questionnaire | Not included | Included |
| Voluntary extensions | Automatic extensions available | |
| Refunds | Fully refundable on cancellation within 10 days of purchasing policy | |
Does Travelance cover pre-existing conditions?
Yes, Travelance covers pre-existing medical conditions under their Premier plan, given that the health condition is stable for at least 180 days before the policy is purchased.
What is the stability period for Travelance visitors’ health insurance?
Travelance requires a pre-existing condition to be stable 180 days prior to the policy purchase date. The “stability period” in Travelance visitors’ health insurance refers to a specific time frame before the start of the insurance policy during which a medical condition must remain stable for it to be covered under the policy.
A pre-existing condition is considered stable if:
- There have been no developments in treatment or alterations to current ones.
- There haven’t been any changes to a particular dosage of a medication
- There are no new or worsening symptoms to report
- No hospital stays were needed for the condition for a specific time
- The condition does not require any planned treatment ahead
What is the waiting period for Travelance visitors to Canada insurance?
Travelance has a waiting period between 48 hours and 7 days depending on when the insurance policy was purchased. In case of injuries, there is a non-negotiable waiting period of 24 hours.
A waiting period in visitors’ health insurance comes into play if the policy is purchased after arriving in Canada. Waiting period refers to the time during which the insured may not be eligible to claim benefits for specific medical conditions or services.
The waiting periods for visitor health insurance by Travelance are as follows:
- For injuries: While most companies do not have a waiting period when it comes to accidents or injuries, Travelance has a 24-hour waiting period even in these cases, regardless of when the policy was purchased
- Policy purchase within 30 days of arrival: There is a 48-hour waiting period for individuals who have purchased their visitors to Canada insurance within 30 days of arrival to Canada
- Policy purchase after 30 days: For individuals who purchase their visitors’ health insurance later than 30 days, the waiting period is for 7 days
How much does visitors’ health insurance by Travelance cost?
The cost of a visitor health insurance policy by Travelance varies between $80 and $400, depending on factors such as age, gender, and whether the individual has any pre-existing conditions.
Cost of Travelance Visitor to Canada insurance
| Age group | Without pre-existing coverage
(Essential plan) |
With pre-existing coverage
(Premier plan) |
| 25 Years | $85.50/month | $111.90/month |
| 35 Years | $94.50/month | $127.50/month |
| 45 Years | $116.70/month | $149.70/month |
| 55 Years | $119.40/month | $157.50/month |
| 65 Years | $155.20/month | $238.50/month |
| 75 Years | $306.00/month | $454.50/month |
| 85 Years | $405.00/month | Not covered |
*These costs reflect $100,000 in coverage for a visitor travelling to Canada for 30 days, with separate rates for those without pre-existing conditions.
Can I pay monthly for my Travelance medical insurance for visitors?
Yes, you can pay monthly for your Travelance medical insurance for visitors, provided your trip is at least 90 days long and a coverage amount of at least $100,000.
Visitors must have a credit card on file and pay a refundable security deposit equivalent to two months’ premiums and a non-refundable billing fee of $60.
Once the insurance is active, equal monthly payments will be automatically charged to the credit card on file. The refundable premium deposit is applied to the last two scheduled payments.
What are the pros and cons of Travelance visitor health insurance policy?
Travelance visitor health insurance comes with a specific set of pros including an easy claims process, extensive coverage, a longer coverage period, etc. However, there are some drawbacks like higher cancellation fees and extensive documentation processes.
Pros and cons of Travelance Visitor to Canada insurance
| Pros | Cons |
| Travelance offers extensive coverage for medical expenses, emergency services, and unexpected events | Both plans come with certain administration fees and a $250 fee for cancellation which is much higher than other providers |
| Their insurance plans are customizable to suit different needs, whether for short-term or long-term stays | There are certain limits on coverage amounts or exclusions for specific types of treatments |
| Travelance provides around-the-clock assistance to help with emergencies, claims processing, and general inquiries | The need for extensive documentation and proof of claim might be cumbersome for some tourists |
| The claims process is streamlined and straightforward, with multiple submission methods available | |
| Both plans are available for up to 558 days or over 18 months, which is longer than most other companies | |
| Individuals travelling as a family are eligible for a discounted family rate, | |
| Over 90% of claims are paid, and Travelance has served over 75,000 clients | |
| Travelance offers monthly payment plans for visitor insurance |
Who is eligible for Travelance’s visitor health insurance?
You are eligible for Travelance’s visitor health insurance if you are a visitor to Canada, a Canadian not covered by a government health plan, someone on a work visa or Parent and Grandparent Super Visa, or a new immigrant awaiting government health coverage.
However, Travelance’s visitor insurance may not cover individuals travelling against their physician’s advice, those with untreated aneurysms, metastatic cancer, chronic kidney conditions requiring dialysis, or recent transplants.
Additionally, those residing in care facilities or needing assistance with daily activities, and those hospitalized in the past 12 months for serious conditions like heart disease, lung issues, or stroke, may also be ineligible.
How does Travelance assist in processing claims?
Travelance offers a streamlined, customer-focused approach to processing claims. Their dedicated team guides policyholders through the process, helping with the required documents and providing updates on claim status.
To submit a claim, forms must be submitted within 30 days of the expense or as soon as possible, with proof provided within 90 days, and no later than 12 months after the event. Required documentation includes completed claim forms, original receipts, and a written diagnosis from the attending physician.
Are there any exclusions or limitations in my Travelance visitors to Canada insurance plan?
Although the Travelance visitors’ health insurance is quite comprehensive, there are a few exclusions such as unstable pre-existing conditions, non-emergency procedures, organ transplants, pregnancy care, etc where the company does not provide coverage to an insured individual.
| Exclusion category | Details |
| Pre-existing conditions | For the Premier plan: Medical conditions that existed during the 180-day period immediately before the start date, including those that would have prompted medical advice or treatment |
| Expenses outside the coverage period | Any expenses incurred outside the coverage period |
| Expenses outside Canada | Expenses incurred outside Canada, except under specific conditions such as emergency expenses en route to or from Canada or during side trips outside Canada |
| Non-emergency treatment | Treatment not required for the immediate relief of acute pain and suffering, or that can reasonably be delayed until the policy expires or the insured returns home |
| Follow-up treatment | Follow-up treatment, recurrence of a medical condition, or subsequent emergency treatment related to a condition treated during the coverage period |
| Transplants | Any type of organ transplant procedure is not covered |
| Medication replenishment | The cost of replenishing medications in use before departure or for maintaining a treatment course that began prior to arriving in Canada |
| Pre-approval for certain procedures | Emergency air transportation, surgery, diagnostic testing, and cardiac procedures unless pre-approved by the insurance company |
| Mental, emotional, or nervous disorders | Treatment for disorders resulting from causes like anxiety or depression |
| Treatment by family members | Any treatment or services performed by a family member and not a licensed professional in Canada |
| High-risk activities | Injuries or illnesses resulting from activities such as extreme sports or hazardous pursuits are typically not covered |
| Cataracts | Treatment for cataracts or any conditions resulting from cataract care |
| Pregnancy and childbirth | Expenses related to pregnancy, childbirth, complications, or a child born during the coverage period, including voluntary abortion |
| Declined or delayed treatment | Conditions related to any medical condition for which recommended treatment, diagnostic testing, or prescription medication was declined or delayed in the previous 2 years |
| Drug, alcohol, or medication use | Conditions resulting directly or indirectly from the use of drugs, alcohol, or medication |
| Suicide or self-inflicted injury | Any expenses related to attempted suicide, or intentional self-inflicted injuries |
| Driving motorcycles or similar vehicles | Injuries sustained while driving motorcycles, mopeds, or scooters, regardless of location, unless holding a valid Canadian driver’s license |
| Piloting aircraft | Any accidents occurring from piloting an aircraft or air travel on any non-commercial flight |
| Fraud or misstatement | Fraud, concealment, or deliberate misstatement affecting the insurance or claim process |
| Participation in crime | Injuries or conditions arising from participation in a crime or malicious act |
How to get the best Travelance visitor health insurance rates in Canada?
Thinking about Travelance’s visitor health insurance but unsure if it’s the right fit? Let PolicyAdvisor make your decision easier! Our team of experts will help you compare quotes, so you can find the best visitor insurance policy for your needs.
Frequently Asked Questions
How long does it take to process a claim with Travelance?
Travelance typically processes claims within 10 to 15 business days of receiving all necessary documentation. The exact time can vary depending on the complexity of the claim and the completeness of the submitted documents.
Can I purchase Travelance visitor to Canada insurance if I am already in Canada?
Yes, you can purchase Travelance visitor insurance even if you are already in Canada. However, it’s important to buy the insurance as soon as possible to ensure coverage for any unexpected medical expenses that may arise.
Be sure to check the policy details for any restrictions or waiting periods that may apply to coverage once you are already in the country.
Are pre-existing conditions covered under Travelance Visitor to Canada insurance?
Pre-existing conditions are not covered under the Travelance Essential Plan, which is designed for travellers in good health. However, the Premier Plan does provide coverage for stable pre-existing conditions, provided they have been stable and controlled for 180 days prior to the policy start date.
How do I renew or extend my Travelance visitor health insurance plan?
Travelance allows for an automatic extension for their visitors to Canada insurance policy. Automatic extensions are available under conditions such as:
- Your common carrier was delayed
- Either you, your travelling companion, or a family member was admitted to the hospital before the expiry date of their insurance policy
- Either you, your travelling companion, or a family member was advised by the physician not to travel due to medical complications right before the expiry date of the insurance policy
To renew or extend your Travelance Visitor Insurance plan, you should submit an application or talk to an expert insurance broker (such as our experts at PolicyAdvisor). Ensure that no claims have been reported and that your request is submitted promptly.
- Travelance offers medical insurance for visitors to Canada, covering non-residents for medical emergencies
- Visitors to Canada can choose from two plan types: Essential which does not cover pre-existing conditions, and Premier, which covers pre-existing medical conditions
- Premiums range from $80 to $400 per month for $100,000 in coverage, depending on factors like age and health status
- The insurance is available to tourists, new immigrants, international students, Super Visa applicants, and returning Canadians
- Visitors can pay monthly, provided the trip is over 90 days, Traverlance also offers customizable deductibles for added savings
- Travelance provides a straightforward claims submission system, with claims typically processed within 10 to 15 business days, ensuring prompt service
