Destination Canada 
Visitors Insurance

Destination Canada Visitors to Canada Insurance

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Administrated by: The Destination: Travel Group Inc.
Underwritten by: CUMIS General Insurance Company, a member of The Co-operators group of companies
24 hours Emergency Assistance Center: SelectCare Worldwide

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; $300,000
   - Emergency Hospital: semi-private hospital accommodation.
   - Physicians, surgeons or anesthetic services
   - Private duty services of a Registered nurse up to $10,000*
   - Diagnostic services:  Lab tests and/or X-ray examination as ordered by a physician for the purpose of diagnosis.
   - Ambulance Transportation: Licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary.
   - Emergency Air Transportation: such as air ambulance, oneway economy airfare, stretcher and/or a medical attendant to transport you to your country of origin due to a covered emergency sickness or injury *
   - Medical Appliance:  Rental of crutches or hospital-type bed, not exceeding the purchase price, and the cost of splints, trusses, braces or other approved prosthetic appliances.
   - Prescription drugs: One month supply, to a maximum of $500.
   - Professional Medical Services referred by a physician - care received from a licensed physiotherapist - up to $500. The service of a chiropractor, osteopath, chiropodist, and podiatrist - up to $500 for out-patient treatment.
   - Accidental Dental:  Up to $3,000 for emergency treatment to whole or sound natural teeth damaged by an accidental direct blow to the face.
   - Dental Emergencies: Up to $500 for the immediate relief of acute dental pain.
   - Follow-up visits  : Up to $3,000 provided they are directly related to the emergency*
   - Emergency 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.
   - Return of Deceased (Repatriation): up to $10,000 to return the body to the country of origin, or up to $4,000 for cremation or burial at the place of death. The cost of a coffin or urn is not covered.
   - Childcare expenses – (Attendant) up to $50 a day to a maximum of $500 for attendant to care for your travelling companion(s) under age 18, or physically or mentally handicapped travelling companion(s) who rely on you for assistance, if you are hospitalized for 48 hours or more as a result of an emergency,
   - Meals and Accommodation in the event you or your insured travelling companion are confined to hospital on the date on which you are scheduled to return home - up to $150 per day to a maximum of $1,500, or up to a maximum 10 days for commercial accommodation, meals, child care costs, essential telephone calls and taxi fares incurred by you or any insured travelling companion. 
   - Transportation of Family or Friend:  Up to $3,000 for a round-trip economy transportation to bring one family member or close friend to your bedside when advised by an attending physician OR to identify your remains in the event of your death. Up to $1,000 for accommodation, meals, essential telephone calls and taxi fares incurred by your family member or close friend after arrival*
   - Accidental Death & Dismemberment:  up to the maximum sum insured selected at the time of application, not to exceed $150,000 for accidental loss of life, limb or sight (excluding flight accident).
   - Flight Accident – up to $50,000 for death as a result of air flight accident.
   - Act of Terrorism:  If you sustain a loss from an act of terrorism, the insurer will pay up to the aggregate limit described in the insurance policy.
   - Flight to/from Canada coverage: Coverage begins on the latest of the following: a) the date and time the completed application and premium are accepted by the Destination Travel Group Inc. or its agent; or b) the date indicated as the effective date in your confirmation of coverage; or c) the date and time you exit your country of origin.

* Must be pre-approved by SelectCare Worldwide. 

1. Coverage is NOT AVAILABLE to any individual who:
a) has been diagnosed with a terminal illness; or
b) has Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or
c) has been prescribed or used home oxygen treatment in the last 12 months; or
d) has been diagnosed with or treated for congestive heart failure; or
e) has had a major organ transplant (heart, kidney, liver, lung); or
f) has received kidney dialysis treatment in the last 12 months.
2. To be eligible for coverage you must, as of the effective date:
a) be at least 15 days old; and
b) be in good health at the time you purchase your policy and on the effective date, and know of no reason why you would attend any medical consultation during the period of coverage; and
c) not be insured or eligible for benefits under a Canadian government health insurance plan. If you become eligible for and insured under the government health insurance plan of the province or territory in which you reside, the insurance will apply only to those benefits not provided under the provincial or territorial government health insurance plan.

WAITING PERIOD for illness: 
   - No waiting period if the insurance is purchased prior to your arrival in Canada or the same policy has been extended.
   - 48 hours if the policy is purchased after the arrival in Canada.
   - 15 days if you are age 86 or older and if you purchased your policy after the arrival date. 
The waiting period may be waived if you have insurance with another insurer during the first part of your trip in Canada, and you are purchasing this insurance after your arrival in Canada and there will be no gap in coverage. You must provide satisfactory proof that you have other coverage in force and receive a written approval from the Insurer OR if this policy is purchased on or prior to the expiry date of an existing Destination Travel Group Inc policy
Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period.

-  If you are 79 years of age or under on the application date and selected Option 1: Pre-existing medical condition are covered provided that those medical conditions have been stable in the 120 days immediately before the effective date.
If you are 79 years of age or under on the application date and selected Option 2 at the time of application: All pre-existing medical conditions will be excluded from coverage.
If you are 80 years of age or over on the application date: All pre-existing medical conditions will be excluded from coverage.
STABLE means a pre-existing medical condition that: 
a) did not require, or was not referred for any medical consultation; 
b) did not require a change in type or dosage of medication.
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.

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

If you decide to extend your trip, you may apply for a new period of coverage provided you meet the requirements in Eligibility of this policy. Each policy or period of coverage is considered a separate contract and all limitations and exclusions will apply

Costs incurred outside of Canada are covered provided the majority of the period of coverage is spent in Canada. Costs incurred in your country of origin are not covered.

When submitting your refund request, please include:
1. a fully completed and signed Refund Request Form; and
2. a copy of 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.
Refunds will only be considered by Destination Travel Group Inc 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.
3. You become insured under a Canadian provincial or territorial health/medical plan as long as you are not required to maintain coverage for work permit or other immigration purposes. A fee of $150 may apply if cancelling a policy issued for one year or more of consecutive coverage prior to the effective date.
Partial refunds will be calculated on a pro-rated basis and are subject to a $25.00 administration fee and a minimum refund of $25.00.
Important Notes: Under no condition will a refund be made if a claim has been incurred or paid, or is pending.

In the event of a medical emergency, you must notify SelectCare Worldwide (toll free 1-866-261-1723 or worldwide collect 416-340-1553) prior to any surgery being performed or within 24 hours of admission to a hospital.
If you fail to notify SelectCare Worldwide, without reasonable cause, it will result in the reduction of eligible benefit amounts payable by 20%. You will be responsible for any expenses that are not payable by the insurer. 
1. Claims must be reported within 30 days of occurrence.
2. Written proof of claim must be submitted within 90 days of occurrence.
3. Any costs incurred for documentation or required reports are your or the claimant’s responsibility.
4. To submit your claim, fill out the claim form completely and include all original bills. Incomplete information will cause delay.
5. All eligible claims must be supported by original receipts from commercial organizations.

SelectCare Worldwide
2100 – 250 Yonge Street
Toronto, Ontario, Canada M5B 2L7
Toll free 1-866-261-1723 or
Worldwide collect 416-340-1553

This policy will not provide coverage, provide services, or pay claims for expenses incurred directly or indirectly as a result of:
1. a) If you are 79 years of age or under on the application date and selected Option 1 at the time of application: Any pre-existing medical condition unless it was stable in the 120 days immediately before the effective date.
    b) If you are 79 years of age or under on the application date and selected Option 2 at the time of application: Any pre-existing medical condition.
    c) If you are 80 years of age or over on the application date: Any pre-existing medical condition.
2. Any sickness for which symptoms occurred within:
    · 48 hours after the effective date, if you are age 85 or younger on your effective date; or
    · 15 days after the effective date, if you are age 86 or older on your effective date; except when this insurance is purchased:
          a) prior to the date of your arrival to Canada; or
          b) before the expiry date of your existing Visitors to Canada policy issued by the insurer.
3. Any losses incurred when a diagnosis or treatment was received, prior to the effective date, for pancreatic cancer, liver cancer or any type of cancer that has metastasized (migrated to another organ from its original site).
4. Any emotional, mental or nervous disorders resulting from any cause, including but not limited to:
    · Alzheimer’s disease or dementia;
    · anxiety or depression;
    · suicide or attempted suicide; or
    · intentionally self-inflicted injury.
5. Act(s) of war, kidnapping, act(s) 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, participation in a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention of any statutory law or regulation in the area where the loss occurred by you, a family member or travelling companion.
6. Any sickness or injury when a trip is undertaken for the purpose of securing medical treatment or advice.
7. Any loss, death or injury, if evidence supports that you were affected by, or the medical condition was in any way contributed to by: the use of alcohol, prohibited drugs, or any other intoxicant either before or during the period of coverage; the non-compliance with prescribed treatment or medical therapy either before or during the period of coverage; or the misuse of medication either before or during the period of coverage.
8. Any medical consultation that is non-emergency, elective or the consequence of a prior elective procedure.
9. Any medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy or travelling against the advice of a physician.
10. Any treatment, investigation or hospitalization which is a continuation of, or subsequent to, emergency treatment of a medical condition, unless approved in advance by SelectCare Worldwide.
11. Any treatment which can be reasonably delayed until you return to your country of origin (whether or not you intend to return) by the next available means of transportation, unless approved in advance by SelectCare Worldwide.
12. Hospitalization or services rendered in connection with general health examinations for “check-up” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol or any other substance abuse.
13. Any rehabilitation or convalescent care.
14. Injury resulting from training for or participating in:
    · speed contests usually and customarily in excess of 60 km per hour;
    · motor sport contests;
    · stunt activities, exhibitions or demonstrations of any kind;
    · professional sport activities (Professional activity means an activity that allows you to earn the majority of your income by engaging in such activity); or
    · high-risk activities. High-risk activity(ies) mean(s) heliskiing, ski jumping, skydiving, skysurfing, scuba diving (except if certified by internationally recognized and accepted program such as NAUI or PADI, or if diving depth does not exceed 30 meters), white water rafting (except grades 1 to 4), street luge, skeleton activity, mountaineering, participation in any rodeo activity.
15. Any loss incurred as a result of pregnancy, abortion, miscarriage, childbirth or complications thereof.
16. Any sickness or injury resulting from a motor vehicle accident where you are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance.
17. Dental or cosmetic surgery except when specified.
18. Treatment or services that contravene, or are prohibited by legislation under a provincial or territorial hospital/medical plan.
19. Naturopathic, holistic or acupuncture treatment.
20. Costs that exceed the reasonable and customary rate for the area where the treatment or services are being performed.
21. Any nuclear occurrence however caused.
22. 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.
23. Any loss incurred outside of Canada when you have not spent the majority of the period of coverage in Canada.
24. Any loss incurred inside your country of origin, which is other than Canada.
25. Air travel other than as a passenger in a commercial aircraft licensed to carry passengers for hire, except while being transported under the terms of the Emergency Transportation or Emergency Return Home benefits.
26. Applicable to Accidental Death & Dismemberment Benefits only: Being an occupant of an aircraft, either as passenger or crew, or while boarding or alighting from an aircraft.


Visitors to Canada
Option 1: This option provides coverage for pre-existing conditions that were stable in the 120 days prior to the effective date
Age/Sum $10,000 $25,000 $50,000 $100,000 $150,000  $300,000
0-25 $1.55 $2.10 $2.30 $3.10 $3.70 $6.00
26-40 $1.75 $2.30 $2.50 $3.60 $4.20 $6.50
41-60 $1.95 $2.70 $3.10 $4.60 $5.50 $8.25
61-64 $2.50 $3.75 $4.50 $5.40 $6.40 $9.20
65-69 $2.85 $4.20 $5.00 $6.90 $7.40 $10.90
70-74 $4.50 $5.85 $8.38 $9.50 $12.25 $17.63
75-79 $5.50 $6.90 $9.75 $11.80 $14.00 $20.38
Option 2: This option does NOT provide coverage for any pre-existing medical conditions
Age/Sum $10,000 $25,000 $50,000 $100,000 $150,000  $300,000
0-25 $1.16 $1.58 $1.73 $2.33 $2.78 $4.50
26-40 $1.31 $1.73 $1.88 $2.70 $3.15 $4.88
41-60 $1.46 $2.03 $2.33 $3.45 $4.13 $6.19
61-64 $1.88 $2.81 $3.38 $4.05 $4.80 $6.90
65-69 $2.14 $3.15 $3.75 $5.18 $5.55 $8.18
70-74 $3.38 $4.39 $6.29 $7.13 $9.19 $13.22
75-79 $4.13 $5.18 $7.31 $8.85 $10.50 $15.29
80-85 $6.05 $9.41 $10.13 N/A N/A N/A
86+ $9.32 $14.50 N/A N/A N/A N/A

     - Family Rates (only available to applicants under age 70) are 2X the Daily Rates based on the oldest member of the family. The family rate includes the applicant, the applicant’s spouse and their dependent children. Coverage dates must be the same for all the family members.
     - Dependent children means your unmarried children who are: a) financially dependent on you; and b) at least 15 days of age; and c) age 21 or under; or d) age 25 or under and attending school full time. 
    - Coverage dates must be the same for all the family members.
    - Maximum period of coverage: 365 days.
    - Minimum premium per policy: $25.00. 
    - Rates include $0 deductible option. The following deductible options are also available:

Deductible Savings
$1,000 20%
$500 15%
$250 10%

   - The deductible amount is shown on your confirmation of coverage and applies to each claim.
   - 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.


Destination Canada POLICY PDF

Destination Canada CLAIM FORM PDF



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