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- Allianz offers up to $500,000 in emergency medical coverage, making it great for travellers seeking a comprehensive plan
- The plan includes a 10‑day Right to Examine period with easy cancellation options
- Coverage includes emergency hospitalization, physician services, ambulance transportation, prescription drugs, and emergency dental treatment, along with 24/7 emergency assistance
- The plan covers pre-existing conditions that meet Allianz’s definition of stability
Allianz Visitors to Canada Insurance is among the most popular insurance policies for tourists and visitors. The comprehensive plan offers medical coverage of up to $500,000, access to 24/7 travel assistance, and protection against unexpected medical expenses during a stay in Canada.
Quick review: Allianz Visitors to Canada Insurance
| PolicyAdvisor Rating | 5/5 |
| Best for | Visitors seeking medical insurance with a high coverage amount |
| Skip if | You are above 75 with pre-existing conditions |
What is Allianz Visitors to Canada Insurance?
Allianz Visitors to Canada Insurance is a travel medical insurance policy designed to cover visitors against unexpected medical emergencies during their stay in Canada. Backed by one of the largest insurance providers in the world, it offers benefits like emergency dental coverage and pain relief, alongside private duty nursing services, 24/7 emergency assistance services, and medical referrals.
Key features of the Allianz Visitors to Canada insurance plan
Allianz travel medical insurance offers a single plan with coverage of up to $500,000 that includes support for stable pre-existing conditions, alongside 24/7 emergency assistance and virtual health care support.
| Feature | Details |
| Plan options | One core plan with multiple coverage amounts and a deductible option |
| Age eligibility | 15 days to 89 years |
| Maximum coverage amount | Up to $500,000 |
| Deductible options | $500 |
| Waiting period | 48 hours after the effective date for sickness if you purchase your policy:
|
| Maximum policy duration | 365 days |
| Monthly payment option | Not available |
| Pre-existing conditions | Yes, if the condition (or related symptoms) has been stable for:
|
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What does Allianz Visitors to Canada Insurance cover?
Allianz Visitors to Canada Insurance includes a comprehensive range of emergency medical benefits designed to protect travellers from unexpected health care costs while in Canada. With up to $500,000 in coverage, it includes emergency benefits such as hospitalization, physician services, ambulance service, diagnostic tests, and prescription drugs.
Here’s a rundown of the Allianz visitor to Canada insurance plan:
| Benefit | Details |
| Emergency Hospitalization | Up to $500,000 or the policy limit |
| Services of a physician, surgeon, and in-hospital nurse | Up to the sum insured |
| Diagnostic services | Up to the sum insured |
| Prescription drugs | Up to $1,000 (Maximum 30-day supply) |
| Health practitioners | Up to $500 per profession |
| Emergency Dental |
|
| Follow-up visits | Covered when prescribed as part of a covered emergency and completed during the policy period |
| Repatriation |
|
| Accidental Death and Dismemberment | Maximum of the sum insured
indicated on coverage |
| Ambulance | Licensed local air, land or sea ambulance, including mountain or sea evacuation to the nearest hospital |
| Emergency return home |
|
| Private duty nursing | Up to $10,000 |
| Out-of-pocket expenses | Up to $150 per day (maximum $1,500) for accommodations, meals, child care, taxis, and essential phone calls due to a covered medical emergency |
| Side-trip coverage | Included for eligible trips outside Canada, as long as most insured days are spent in Canada |
Advisor insight: Allianz’s biggest strengths are its high maximum coverage limit, strong emergency medical benefits, and reputable global brand. However, travellers with complex health conditions should pay close attention to the policy’s stability requirements and exclusions before purchasing coverage.
Are there any exclusions or limitations to Allianz visitor health insurance?
Yes, there are certain exclusions and limitations to Allianz visitor health insurance. While the plan offers comprehensive emergency coverage, certain conditions and procedures are not covered.
Here’s an overview of the general exclusions and limitations of the Allianz travel medical insurance:
| Exclusion Category | What You Need to Know |
| Mental Health & Self-Inflicted Injury | Claims related to mental or emotional disorders, suicide, attempted suicide, or intentionally self-inflicted injuries are excluded. |
| Pregnancy & Childbirth | Pregnancy, abortion, miscarriage, childbirth, and related complications are not covered. |
| Alcohol, Drugs & Medication Misuse | Claims resulting from alcohol intoxication, drug use, medication misuse, or failure to follow prescribed treatment are not covered. |
| High-Risk Activities & Sports | Injuries from professional sports, motorized racing, stunt activities, or other high-risk activities are excluded. |
| Travelling Against Medical Advice | Claims are excluded if you travel against a physician’s advice or have a terminal illness diagnosed before coverage begins. |
| Non-Emergency Treatment | Routine checkups, elective procedures, ongoing treatment, and care that can reasonably wait until you return home are not covered. |
| Chronic & Ongoing Care | Coverage does not include ongoing management of chronic conditions, home care, rehabilitation, convalescent care, or substance abuse treatment. |
| Dental & Cosmetic Procedures | Cosmetic surgery and non-covered dental procedures are excluded (except for eligible emergency dental benefits). |
| Excessive Charges | Allianz will not pay costs that exceed reasonable and customary charges for the area where treatment is received. |
| Illegal or Criminal Activities | Coverage is excluded for losses arising from criminal acts, unlawful activities, armed forces participation, protests, or commercial sexual transactions. |
Note: Refer to the policy document for the full list of limitations and exclusions
Pros and cons of Allianz Visitor to Canada Insurance
How much does Allianz visitor health insurance cost?
The cost of a visitor to Canada health insurance policy from Allianz ranges from $110.10 to $3,296.40, depending on the age, coverage amount, duration, and health status.
Sample Allianz visitor insurance cost (2026)
| Age | Premium with stable pre-existing condition coverage |
| 25 years | $110.10 |
| 35 years | $125.70 |
| 45 years | $160.20 |
| 55 years | $195.00 |
| 65 years | $345.30 |
| 75 years | $814.50 |
| 85 years | $3,296.40 |
*Premium cost for $100,000 in coverage for a visitor to Canada insurance plan for 30 days
Can you pay monthly for Allianz medical insurance for visitors?
No, you cannot pay monthly for your Allianz Visitors to Canada insurance since it requires the full premium to be paid upfront for the entire coverage period. This can be particularly important for travellers who are purchasing coverage for an extended stay, since the upfront premium can be significantly higher.
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Who is eligible for Allianz visitors to Canada insurance?
Any visitor to Canada between 15 days and 89 years old who meets Allianz’s definitions and medical eligibility criteria and is not covered by a provincial health care plan is eligible for the visitor to Canada plan. Additionally, applicants need to be in good health at the time of the policy’s purchase and on the date they exit the country of origin.
Eligible applicants for Allianz visitors to Canada insurance can include:
- Tourists visiting Canada
- Parents and grandparents visiting family
- Super Visa applicants
- Work permit holders
- New immigrants waiting for provincial health insurance
- Returning Canadians who are temporarily without government health coverage
Who is not eligible for Allianz visitor insurance?
You are not eligible for Allianz travel insurance under the following circumstances:
- Have been diagnosed with a terminal illness or with stage 3 or Stage 4 cancer
- Have received treatment for cancer within the past three months (except for basal cell skin cancer, squamous cell skin cancer, or breast cancer treated only with hormone therapy)
- Require assistance with activities of daily living due to a medical condition or overall state of health
- Are 90 years of age or older on the policy effective date
Does Allianz visitor health insurance cover pre-existing conditions?
Yes, Allianz Visitors to Canada Insurance offers coverage for pre-existing medical conditions if the condition meets the policy’s stability requirements before coverage begins.
The required stability period depends on the policyholder’s age:
- 59 years or younger: The condition must generally be stable for at least 90 days before the effective date
- 60 to 89 years: The condition must generally be stable for at least 180 days before the effective date
What does Allianz consider a stable pre-existing condition?
Allianz visitors insurance pre-existing conditions are considered stable if you:
- No new treatments: Have not started any new treatment for the condition and show no deterioration in test or examination results
- No changes in treatment: Maintain the same treatment plan, with no changes to the type or frequency of treatment
- No new or worsening symptoms: Experience no new symptoms and receive no new diagnosis
- No hospitalizations: Avoid hospitalization related to the condition, and are not referred to a specialist, awaiting surgery, or waiting for the results of further medical investigations
What medical changes can be considered stable by Allianz?
Here are some of the situations that Allianz travel insurance considers as stable:
- Routine insulin adjustments to control diabetes, provided the insulin was not first prescribed during the stability period
- Switching from a brand-name medication to a generic version, provided the medication was not newly prescribed, and the dosage does not change
- Certain minor ailments that ended more than 30 days before the effective date and satisfy the policy’s treatment/follow-up requirements
How to file a claim with Allianz visitor insurance
If you experience a medical emergency during your stay in Canada, you should contact the Allianz Assistance Centre as soon as possible to initiate the claims process. Allianz offers 24/7 emergency assistance and online claim submission support to help travellers submit claims quickly and efficiently.
Here’s how you can initiate the Allianz visitors insurance claim process:
- Call the assistance centre immediately: You can contact the assistance centre in Canada and the United States at 1-844-310-1578 and internationally at 1-519-514-0355. Failure to contact assistance within 24 hours of admission and before surgery may result in you being responsible for 20% of eligible expenses.
- Submit a notice of claim: If you have paid out of pocket for any medical expenses, you can submit the claim directly on Allianz Global Assistance’s secure online Claims Portal (www.allianzassistanceclaims.ca). You can return to the portal any time to track the progress of your claim or upload any other required documentation.
- Keep your supporting documents: The insurer may request medical bills, receipts, treatment records, physician reports, claim forms, referrals, and other documentation
Can you cancel or get a refund on Allianz visitor insurance?
Yes, you can cancel your Allianz visitor insurance policy, provided that you have not yet departed from your country of origin or have not experienced an event that could lead to a claim. As for refunds, it may be available if the entire trip is cancelled, the insured permanently returns home early, or becomes insured under a Canadian health plan.
Here is the Allianz visitor insurance refund policy at a glance:
| Situation | Refund Eligibility |
| Changed your mind after purchasing | Full refund available if you cancel within 10 days of purchase, have not yet started your trip, and have not experienced an event that could result in a claim. |
| Trip cancelled before coverage starts | Refund available if your entire trip is cancelled before the policy’s effective date. |
| Leaving Canada early | Partial refund available for the unused portion of coverage if you permanently return to your country of origin before the policy expires and do not intend to return to Canada. Proof of departure may be required. |
| Become eligible for provincial health coverage | Partial refund available for unused coverage if you become insured under a Canadian provincial or territorial health plan and provide proof of eligibility. |
| Multiple visits to Canada | No refund for periods spent in your country of origin between separate trips to Canada. Refunds apply only when coverage is permanently terminated. |
| Claim submitted | No refund of premium if a claim has been made |
Can you extend Allianz visitor insurance coverage?
You can extend your coverage only before you depart from your country of origin. Any extension after that period will be considered a new policy, with its own effective date and applicable limitations, stability requirements, or exclusions.
However, you must keep the following in mind:
- If you purchase coverage after leaving your country of origin, a 48-hour waiting period for sickness may apply.
- Any pre-existing condition exclusions and stability requirements will be reassessed based on the new policy’s effective date.
Automatic extension of Allianz visitor insurance coverage
Apart from the regular extension, Allianz also offers automatic extensions at no additional premium under the following circumstances:
- Delay of conveyance: up to 72 hours when transportation is delayed for circumstances beyond the policyholder’s control
- Medically unfit to travel: up to 5 days of extension when medical evidence shows the policyholder cannot travel due to a covered sickness or injury
- Hospitalization: Coverage continues throughout hospitalization, plus 72 hours after release to travel home
How does Allianz compare to other visitor insurance options?
Here’s a quick overview of the Allianz visitor health insurance policy compared to similar policies offered by Manulife, TuGo, GMS, and others:
| Provider | Pre-Existing Conditions Coverage | Monthly Payments | Maximum Coverage |
| Allianz | Yes, if stable (90 days ≤59 years; 180 days ages 60–89) | No | Up to $500,000 |
| Manulife | Yes, if stable for 180 days (Enhanced Plan) | No | Up to $200,000 |
| TuGo | Yes, if stable (7–365 days depending on age and trip length) | No | Up to $500,000 |
| GMS | Yes, if stable for 180 days | No | Up to $150,000 |
| MSH International Discover Canada | Yes, if stable (90 days ≤70 years; 180 days ages 71–80) | Yes | Up to $1,000,000 |
| Destination Canada | Yes, if stable (90 days ≤59 years; 180 days ages 60–79) | Yes | Up to $300,000 |
| 21st Century | Yes, if stable for 180 days (Enhanced Plan) | Yes | Up to $200,000 |
| Travelance | Yes, if stable for 180 days (Premier Plan; Essential Plan excludes pre-existing conditions) | Yes | Up to $150,000 |
| Secure Travel | Yes, if stable (90 days ≤69 years; 180 days ages 70–84) | Yes | Up to $1,000,000 |
For a comprehensive review and comparison, head over to our list of the best medical insurance for visitors to Canada (2026).
Our advisor’s take on Allianz visitor health insurance
At PolicyAdvisor, we regularly help visitors, parents and grandparents, and Super Visa applicants find the right coverage for their stay in Canada. Recently, we worked with a 45-year-old visitor coming to Canada to spend time with family for a year. They wanted a plan with a high coverage limit and straightforward benefits that offered comprehensive coverage.
Client profile:
- Age: 45
- Visa type: Super Visa
- Primary concern: Strong medical coverage and financial protection against unexpected health care costs
- Coverage needed: $100,000
- Coverage period: 365-day stay
Why we recommended Allianz
While Allianz is not the cheapest visitor insurance option available, it delivers strong value for travellers seeking comprehensive emergency assistance services. We recommended the plan because it includes:
- 24/7 emergency assistance, including medical referrals and case management
- Virtual health care consultations when appropriate for the medical situation
- Emergency medical transportation and repatriation benefits
- Coverage for eligible stable pre-existing conditions
Allianz is often a practical choice for visitors who want extended emergency medical protection, high coverage limits, and inclusion of multiple benefits.
How to get the best Allianz visitor health insurance rates in Canada?
PolicyAdvisor’s licensed insurance advisors can help you determine the right Allianz Visitors to Canada Insurance policy for your needs. Our advisors will help you compare coverage options from leading Canadian insurers, explain eligibility requirements, and help you choose a plan based on your age, health profile, and length of stay in Canada.
Whether you are visiting loved ones, applying for a Super Visa, or seeking coverage while waiting for a provincial health plan, our team can help you understand the policy’s benefits, limitations, and exclusions.
Frequently Asked Questions
Does Allianz visitor medical insurance cover pre-existing medical conditions?
Yes, Allianz visitor insurance covers stable pre-existing medical conditions under certain specific rules. Policyholders under 59 have coverage for pre-existing conditions if they have been stable for at least 90 days, while those aged 60 to 89 require a 180-day period.
Is Allianz suitable for the Super Visa?
Yes, Allianz is eligible for Super Visa insurance when the coverage amount is $100,000 or more for one year.
What is the maximum coverage available under Allianz visitor insurance?
Allianz offers up to $500,000 in emergency medical coverage.
Does Allianz travel insurance Canada include dental coverage?
Yes, Allianz includes up to $4,000 for accidental dental treatment and up to $500 for emergency dental pain relief.
What are the benefits of purchasing a visitor health insurance policy before arriving in Canada?
Purchasing an Allianz visitor health insurance policy before arriving in Canada offers several benefits, including immediate coverage upon entry, protection against unexpected medical emergencies, and peace of mind during travel.
Can I get a refund if I return home early?
Yes, Allianz travel insurance Canada may provide partial refunds for unused coverage under specific conditions, subject to policy terms.
Can I extend my Allianz visitor to Canada insurance?
Yes, you can extend your Allianz visitor insurance before departing from your country of origin by contacting the assistance centre. Any extension made after that will be considered a new policy, with its own effective date and rules.
Is there a waiting period for Allianz visitor insurance coverage?
A 48-hour waiting period may apply to claims if the policy is purchased after you leave your home country or after a previous Allianz policy has expired. This means an illness that begins during the applicable waiting period may not be covered.
What is the maximum age for Allianz travel medical insurance?
The maximum age for Allianz travel medical insurance coverage is 89, provided all eligibility requirements are met.
Can I buy Allianz visitor insurance after arriving in Canada?
You may be able to purchase Allianz visitor insurance after leaving your country of origin, but this may impose a 48-hour waiting period for sickness. It is recommended to purchase your coverage before arriving in Canada to avoid the waiting period and have comprehensive coverage from the moment you land.
Allianz Visitor to Canada Insurance is a flexible travel medical insurance option designed for visitors. With coverage for up to $500,000 for up to 365 days and support for dental emergencies and ambulance services, it is a comprehensive plan. This review covers different aspects of the policy in detail.
