Compare Visitor To Canada Insurance
Note that we do not quote multi-trip plans. If you want a quote for a multi-trip plan please contact us.
|Single Trip||VTC Plan||Single Trip Plan A||Single Trip Plan B||VTC Plan|
|Sum Insured||$25K, $50K, $100K or $150K||$10K, $25K, $50K, $100K or $150K||$15K, $25K, $50K, $100K or $150K *||$150K||15K, $25K, $50K, $100K, $150K and 300K (not quoted)|
|Max. Trip Duration||180 days||365 days||365 days||365 days||365 days|
|Coverage available after
30 days in Canada?1
($1,000 deductible and 7 day waiting period)
|Covered once departed
from home country?
|(cannot leave airport on a stop-over)||(cannot leave airport on a stop-over)|
|Deductible||$1,000, $500, $100 or 0$||$100, $250, $1,000 or $3,000||0$, $75, $500 or $1,000||0$, $75, $500 or $1,000||0$, $100 or $500 for applicants age 86+|
|Repatriation to Residence|
|Return of Vehicle|
|Return of Deceased|
|Waiting Periods||48 hours after arrival or 7 days3||48 hours after effective date**||48 hours****||48 hours****||48 hours, 7 days or 15 days*****|
|Refund of Premium2|
* $150,000 is only available for those people aged 69 or less.
** There is a waiting period if you purchase your policy after arriving in Canada.
*** 72 hour waiting period only applies if policy is purchased within 30 days of arrival in Canada.
**** There is a 48-hour waiting period following your effective date of insurance if you purchase your policy: after the expiry date of an existing Manulife policy or; after you leave home (a claim due to sickness during a waiting period is not covered).
***** If 85 or under and your effective date of insurance is within 30 days of arrival in Canada then the wait period is 48 hours. If 85 or under and coverage is purchased more than 30 days after arrival then the wait period is 7 days. If age 86 or over and coverage is purchased at any time after your arrival in Canada, then the wait period is 15 days following the effective date of this policy.
1 Dependent upon age(s) of the insured.
2 Refunds available only if there have been no claims (or pending claims) for that policy.
3 Waiting period does not apply to medical emergencies resulting from injury. Also, there is a 7 day waiting period if you apply for coverage and have been in Canada for more than 30 days.