Allianz Visitors Insurance

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Administrated by: Allianz Global Alliastance (AGA)
Underwritten by: CUMIS General Insurance Company, a member of The Co-operators group of companies.
24 hours Emergency Assistance Center: AGA Emergency Assistance.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

  - Maximum Benefits: $10,000; $25,000; $50,000; $100,000; $150,000 and $300,000. 
  - Emergency Hospital & Medical Coverage: Up to the amount of insurance purchased for emergency hospital accommodation (semi-private) and following medical services: 
  - Physicians, surgeons, anesthetic and registered nurse.
  - Diagnostic Treatments: Lab tests and X-ray examinations ordered by a physician.
  - Ambulance Transportation: Licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary.
  - Medical Appliance: Rental of crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics. 
  - Prescription drugs or medications - one-month supply, to a maximum of $1,000.
  - Professional Medical Services referred by a physician - care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist, podiatrist and acupuncturist - up to $500 
per profession.
Return of Deceased (Repatriation): In the event of death from covered condition, up to $10,000 is provided to return the body home, or up to $4,000 for cremation or burial at the place of death. 
  - Accidental Dental: Up to $4,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
  - Dental Emergencies: Up to $500 for the immediate relief of acute dental pain, other than provided under Accidental Dental.
  - Act of Terrorism: If you sustain a loss from an act of terrorism that is covered under this plan we will pay up to an aggregate limit in Canadian dollars. 
  - Follow-up Visits 
as prescribed by the attending physician at the time of the emergency. Follow up visits must occur during the period of coverage and be directly related to the emergency. The emergency must occur during the period of coverage and has been reported to AGA. 
  - Emergency Transportation: The cost up to the policy limit of air ambulance, one-way economy airfare or stretcher to transport you to your country of origin, and a medical attendant if required, when immediate medical consultation is required following a covered emergency sickness or injury.
  - Return Home: Up to $3,000 for the cost of one-way economy transportation to your country of origin if the covered sickness or injury necessitates your immediate return home during the period of coverage. This benefit also includes one additional insured family member.
  - Accidental Death & Dismemberment: Up to the policy limit for accidental loss of life, limb or sight. 
  - Bedside Companion: Up to $3,000 for round-trip economy transportation to bring a family member or close friend to your bedside when advised by an attending physician. 
 - Trip breaks lets you return home during your trip without cancelling your coverage. Your policy will remain in effect while you are in your country of origin, however costs incurred in your country are not covered. 

  - Stable Pre-existing Medical Condition is covered up to age 59 if it has been stable in the 90 days immediately before the effective date. 

If you are 60 to 79 years of on the effective date, you have to complete a Medical Questionnaire and have to be approved in writing by AGA in order to be covered for the following Stable Pre-existing Medical Condition: any heart condition, stroke or mini-stroke (TIA-transient ischemic attack). Heart condition includes angina or chest pain, arrhythmia, arteriosclerosis, atrial fibrillation, congenital heart defect, congestive heart failure, cardiomyopathy, carotid artery occlusion, heart attack (myocardial infarction), heart murmur, irregular heart rate or beat, and other condition relating to the heart or cardiovascular system.

Any other pre-existing medical condition not listed above is covered up to age 79 if it has been stable in the 180 days immediately before the effective date.

If you are 80 to 89 years of age on the effective date - there is no coverage for any pre-existing medical condition unless you have completed a Medical Questionnaire, have been approved in writing by AGA and have paid the required premium.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:

Coverage in NOT AVAILABLE to any individual who, as of their effective date:
   a) has been diagnosed with a terminal illness; or
   b) has been diagnosed with stage 3 or 4 cancer, 
   c) has received treatment for any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) in the past 3 months; or
   d) requires assistance with activities of daily living as the result of a medical condition or state of health.
AGE LIMITS: To be eligible for coverage a person must be at least 15 days old and not more than 89 years old. Maximum period of coverage is 365 days. No coverage after 2 years of uninterrupted coverage under an AGA insurance plan.
WAITING PERIOD For illness: Any sickness for which symptoms occurred 48 hours after the effective date if the policy has been purchased AFTER you exit your country of origin. No waiting period if the application for this insurance is completed PRIOR to your exit of your country of origin or before the expiry date of the existing AGA Visitors to Canada policy.
PRE-EXISTING CONDITION means a sickness, injury or medical condition, whether or not diagnosed by a physician:
   - for which you exhibited signs or symptoms; or
   - for which you required or received medical consultation; and
   - which existed prior to the effective date of your coverage.
a) if you are age 59 or under, is the 90 days immediately before the effective date.
b) if you are age 60 to 79, is the 180 days immediately before the effective date.
STABLE CONDITION means a pre-existing medical condition for which:
   - there has been no new treatment; and
   - there has been no change in treatment or change in treatment frequency or type; and
   - there have been no signs or symptoms or new diagnosis; and 
   - there have been no test results showing deterioration; and
   - there has been no hospitalization; and
   - there has been no referral to a specialist and you are not awaiting surgery or the results of further investigations performed by and medical professional.

The following are considered stable:
   - Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the stability period.
   - Change from a brand name medication to a generic prescribed during the stability period and there is no increase or decrease in dosage.
   - A minor ailment, which describes a sickness or injury during the stability period which ended prior to the effective date and which did not require treatment for a period longer than 15 consecutive days; or more than one follow-up visit to a physician; or hospitalization, surgery, or referral to a specialist.

The following conditions are NOT considered stable:
   - any lung condition for which you were prescribed or are taking prednisone;
   - any heart condition for which you were prescribed or are taking nitroglycerin. 

PREGNANCY: Benefits are not payable for costs incurred due to pregnancy, abortion, miscarriage, childbirth or complications thereof.

Benefits are not payable for costs incurred due to
pregnancy, abortion, miscarriage, childbirth or
complications thereof.

   - Any sickness or injury where the trip is taken to get medical treatment or advice for such injury or sickness.
   - Loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
   - Any injury or sickness, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
   - Expenses incurred as a result of pregnancy or childbirth.
   - Any emotional, mental or nervous disorders. 
   - Expenses incurred outside of Canada where the majority of the time on risk has not been spent in Canada.
   - Expenses incurred inside an insured's country of origin which is other than Canada.
   - High-risk activities and professional sports – any skiing out of bounds, heliskiing, ski jumping, skydiving, sky-surfing, scuba diving (except if certified), white water rafting (except grades 1 to 4), street luge, skeleton, rodeo and mountaineering (that requires special equipment).
  - Motor sports and speed contests, stunt activities, 
  - Naturopathic or holistic treatment.
  - Any loss incurred when, prior to the effective date, the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country.
  - Act of war, kidnapping, act of terrorism caused directly or indirectly by nuclear, chemical or biological means; riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities or a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention or any statutory law or regulation in the area where the loss occurred by the insured, a family member or travelling companion.

You must notify Allianz Global Assistance Emergency Assistance (toll free 1-800-995-1662 or worldwide collect 416-340-0049) prior to any surgery being performed or within 24 hours of admission to a hospital. Failure to do so, without reasonable cause, will result in the reduction of eligible benefit amounts payable by 20%. 

   - To make your claim, complete the claim form and include all original bills. Incomplete forms will cause delay.
   - Claims must be reported within 30 days of occurrence.
   - Written proof of claim must be submitted within 90 days of occurrence.
   - For Accidental Death & Dismemberment Benefits include also: 1. Police report; 2. Coroner's report; 3. Death certificate.

             Allianz Global Assistance Claims Department 
            2100-250 Yonge Street
       Toronto ON, Canada M5B 2L7
Collect worldwide: 416-340-8809
Toll free Canada/USA: 1-800-869-6747

AGA Emergency Assistance and claims personnel are available to help you 24 hours a day, 7 days a week. AGA's experienced multilingual staff verifies coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed.
Call AGA Emergency Assistance or have someone call on your behalf as soon as possible.


What are the requirements for coverage?
To be eligible for coverage a person must:
   - be at least 15 days old and not more than 89 years old; and
   - not be insured or eligible for benefits under a Canadian government health insurance plan; and
   - be in good health at the time you purchase your policy and on the day you exit your country of origin, and know of no reason to seek medical consultation during the period of coverage; and
   - not have exceeded two years of uninterrupted coverage under an AGA insurance plan.

Are the premiums refundable?
Refunds are payable when:
   1. The entire trip is cancelled prior to the effective date. 
   2. You return to your country of origin prior to the expiry date, without intending to return to Canada. Refunds are not payable for time spent in your country of origin between visits to Canada. 
   3. You become insured under a Canadian provincial or territorial health/medical plan. 
A full refund will be provided for policies which are returned within 10 days of purchase, BEFORE the policy effective date. 
When submitting your premium refund request, please include: 
   1. a fully completed and signed Refund Request Form; and 
   2. a copy of your confirmation of coverage; and 
   3. confirmation of your early departure such as boarding pass or itinerary, or any other written proof of your early return to your country of origin; and 
   4. any other documentation to support your refund request. 
Important Notes: 
There will be no refund of premium if a claim has been made. 
Refunds are payable from the date AGA receive the request. 
Refunds for partial cancellations will be calculated by multiplying the daily premium by the actual number of days the policy was in effect; if this amount is less than the minimum premium required, the minimum premium will be used. This amount is then subtracted from the total premium paid. The refund will be calculated based on the date the refund request is received by AGA. A refund fee may apply. Refund amounts less than the minimum premium will not be issued.

I want to stay longer. Can I extend my coverage?
Yes, you can subject to policy terms and conditions. Just call your agent or AGA before the expiry of your policy. You must be in good health and not have incurred any losses with AGA.

Will this cover me for trips outside Canada?
Yes, provided the majority of your period of coverage is spent in Canada. Expenses incurred in your country or origin will not be covered (unless you are returning Canadian).

What is included in Trip Cancellation & Interruption coverage?
Trip Cancellation and Interruption covers you financially for your pre-paid trip costs. 
Prior to departure: non-refundable, non-recoverable portion of pre-paid airfare and/or pre-paid travel arrangements.
After departure: the extra cost of economy transportation by the most direct route to continue with the insured trip (or to return to the point of departure) if you miss a portion of your trip due to your sickness or injury, or the sickness or injury of a travelling companion or accompanying family member.  
Prior to or after departure: delay of the connection carrier provided that the connecting carrier or automobile was scheduled to arrive not less than two hours prior to the scheduled connection time, due to weather condition, volcanic eruptions, natural disaster or mechanical failure of the connecting carrier (airline, bus, train or government-operated ferry system); or traffic accident or emergency police road closure (police report required) causing the delay of a private or commercial automobile.
Select Plan benefits include lost baggage up to $500 (including baggage delay up to $200); Meals and accommodation ($300 per day up to $1,000 in case of interruption or delay beyond the expiry date as a result of your or your travelling companion sickness or injury); Tour operator (up to $1,000 for the non-refundable pre-paid travel arrangements if your trip is cancelled or re-scheduled by your tour operator; Accidental death and dismemberment (up to $10,000); Flight accident (up to $50,000).
Insured risks: Health: sickness, injury or death of you, a family member or travelling companion; death or hospitalization of your host at destination. Legal: if you have been called to jury duty or witness during your trip. External: change of airline schedule resulting to miss connection; default as a result of bankruptcy of a Canadian travel supplier; a disaster that renders your principal residence back home; adverse weather, volcanic eruptions, or a natural disaster; if there is a travel advisory (issued after the effective date of your policy) for your booked destination; cancellation (beyond your control) prior to departure of a business meeting at your destination that you are required to attend. Work: a job transfer within 30 days of your scheduled departure date, by your employer, that requires relocation of your principal residence (not applicable to self-employed persons). Other: you or your traveling companion being called to service in the case of reservists, active military, police, essential medical and fire personnel.
Exclusions: If sum insured purchased is $15,000 or less: any pre-existing conditions that are not stable within the 90 days immediately preceding the application date. If sum insured is more than $15,000: any pre-existing conditions that are not stable within the 180 days immediately preceding the application date.

About Allianz Global Assistance
Allianz Global Assistance is one of the largest travel insurance and assistance services providers in Canada, with offices in Kitchener, Toronto, Montreal and Vancouver.


Visitors to Canada
Single Rates
Age/Sum $10,000 $25,000 $50,000 $100,000 $150,000  $300,000
0-25 $1.66 $2.15 $2.48 $3.26 $3.92 $6.34
26-34 $1.76 $2.32 $2.65 $3.58 $4.16 $6.58
35-39 $1.88 $2.48 $2.76 $3.80 $4.62 $7.04
40-54 $1.98 $2.87 $3.26 $4.85 $5.80 $8.64
55-59 $2.10 $3.09 $3.48 $5.02 $5.89 $9.08
60-64 $3.20 $4.29 $5.04 $6.23 $7.41 $10.78
65-69 $3.43 $4.86 $5.72 $7.73 $9.20 $12.80
70-74 $5.04 $6.99 $8.29 $10.42 $12.40 $19.08
75-79 $6.01 $8.47 $10.65 $12.87 $15.32 $22.81
80-84 $5.21 $7.50 $9.50 $12.02 $14.31 $21.31
85-89 $6.12 $8.81 $11.17 $14.13 $15.75 $29.32
Family Rates(based on age of oldest person)
0-25 $3.32 $4.30 $4.96 $6.52 $7.84 $12.68
26-34 $3.52 $4.64 $5.30 $7.16 $8.32 $13.16
35-39 $3.76 $4.96 $5.52 $7.60 $9.24 $14.08
40-54 $3.96 $5.74 $6.52 $9.70 $11.60 $17.28
55-59 $4.20 $6.18 $6.96 $10.04 $11.78 $18.16

   - The family rate includes the applicant and the applicant’s spouse, age 59 or under, and their dependent children under age 22.
   - Maximum period of coverage: 365 days.
   - Minimum premium per policy: $20.00. 
   - Rates include $0 deductible option. The following deductible options are also available:

Deductible - Savings
$3,000 30%
$1,000 20%
$250 10%
$100 5%

Rates subject to change without notice

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.


Allianz Visitors Insurance POLICY PDF

Allianz Visitors Insurance BROCHURE PDF

Allianz Visitors Insurance CLAIM FORM PDF


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