1-888-601-9980
- Travelance coverage includes hospitalization, physician services, prescription drugs, and emergency dental treatment
- Offers a ten-day free-look period with full refund options
- The plan includes repatriation, return of remains, child care, and out-of-pocket expense benefits during covered emergencies
- Travelance provides 24/7 multilingual emergency travel assistance
- The insurance is available to tourists, new immigrants, international students, Super Visa applicants, and returning Canadians
A single emergency room visit in Canada can cost thousands of dollars. Travelance’s Visitors to Canada Insurance helps cover those unexpected costs with up to $150,000 in emergency medical benefits for trips up to 558 days, plus 24/7 multilingual assistance.
Quick review: Travelance Visitors to Canada Insurance
| PolicyAdvisor Rating | 4/5 |
| Best for | Visitors seeking medical coverage with monthly payment plans |
| Skip if | You are above 69 with pre-existing conditions |
What is Travelance Visitors to Canada Insurance?
Travelance Visitors to Canada Insurance is a comprehensive plan with two options, offering ambulance service, incidental expenses, and emergency dental treatment for accidents. The plans also cover eligible prescription drugs and have flexible deductible options, making them suitable for travellers seeking monthly payment options.
Key features of the Travelance visitors to Canada insurance plan
Travelance travel medical insurance offers two plans with maximum coverage of $150,000 that include support for stable pre-existing conditions, alongside variable deductible options for flexible payments.
| Feature | Details |
| Plan options | Essential and Premier plans |
| Age eligibility | 15 days to 85 years |
| Maximum coverage amount | 15 days to 69 years: Up to $150,000
70 to 85 years: up to $100,000 |
| Deductible options | $250, $500, $1,000, $5,000, $10,000 |
| Waiting period |
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| Maximum policy duration | Up to 558 days |
| Monthly payment option | Available |
| Pre-existing conditions |
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What does the Travelance visitors to Canada insurance cover?
Travelance Visitors to Canada Insurance provides comprehensive emergency medical protection for visitors travelling to Canada. The plan provides up to $150,000 in coverage with various deductible options. It covers hospitalization in semi-private rooms, emergency physician services, diagnostic testing, and even prescription medications.
Here’s a rundown of the Essential and Premier plans of the Travelance visitors to Canada insurance:
| Benefit | Essential Plan | Premier Plan |
| Emergency Hospitalization (semi-private Room) | Up to $150,000 or the policy limit | Up to $150,000 or the policy limit |
| Emergency Medical Expenses | Included up to plan limit | Included up to plan limit |
| Physician, surgeon, and in-hospital nurse | Included | Included |
| Diagnostic Services | Included (pre-authorization required) | Included (pre-authorization required) |
| Emergency Return Home | Included | Included |
| Prescription Drugs | Up to $1,000 (maximum 30-day supply per occurrence) | Up to $10,000 (maximum 30-day supply per occurrence) |
| Health Practitioners (Paramedical Services) | Up to $300 per practitioner | Up to $750 per practitioner |
| Ambulance | Included | Included |
| Emergency Dental | Coverage up to $2,000 for any injury and up to $300 for pain not related to any injury | Coverage up to $5,000 for any injury and up to $600 for pain not related to any injury |
| Follow-up Visits | Up to 3 visits, $3,000 maximum | Up to 3 visits, $5,000 maximum |
| Repatriation of Remains | Up to $10,000 | Up to $16,000 |
| Cremation/Burial at Destination | Up to $4,000 | Up to $6,000 |
| Child Care Costs | Included within the meals & accommodation benefit | Included within the meals & accommodation benefit |
| Hospital Allowance (Incidental Expenses) | Up to $500 | Up to $800 |
| Meals and accommodation | Up to $150/day, $3,000 maximum | Up to $150/day, $5,000 maximum |
| Accidental Death and Dismemberment (AD&D) Benefit | N/A | Up to the plan limit chosen, to a maximum of $100,000 |
| Return of baggage and personal effects | Up to $500 | Up to $800 |
| Side-trip coverage | Included (up to 45 days per trip) | Included (up to 45 days per trip) |
Pros and Cons of Travelance visitor to Canada insurance
How much does Travelance visitor health insurance cost?
The cost of a visitor to Canada health insurance policy from Travelance ranges from $102.30 to $585.90, depending on the age, coverage amount, duration, and health status.
Sample Travelance visitors to Canada insurance cost (2026)
| Age | Premium without pre-existing condition coverage | Premium with stable pre-existing condition coverage |
| 25 years | $76.50 | $102.30 |
| 35 years | $93.30 | $127.50 |
| 45 years | $101.10 | $136.50 |
| 55 years | $109.20 | $141.00 |
| 65 years | $164.10 | $249.00 |
| 75 years | $385.20 | $506.40 |
| 85 years | $513.60 | $585.90 |
*Premium cost for $100,000 in coverage for a visitor to Canada insurance plan for 30 days
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How to reduce the cost of Travelance visitor health insurance?
To reduce your Travelance visitor medical insurance Canada premium costs, you can utilize two primary methods:
- Apply as a family: Pay a family rate equal to 2× the premium of the eldest insured person
- Select a higher deductible: Choose a higher deductible to lower your premium by up to 45%.
A deductible is the amount you pay out-of-pocket toward eligible medical expenses before your insurance starts covering costs. As a rule of thumb, a higher deductible results in lower premiums.
See how your Travelance Visitor to Canada insurance premiums change with different deductible amounts:
| Deductible amount | Premium reduction |
| $0 (Base) | No discount |
| $250 | 10% reduction |
| $500 | 15% reduction |
| $1,000 (Age 0–59) | 30% reduction |
| $1,000 (Age 60–85) | 20% reduction |
| $5,000 | 30% reduction |
| $10,000 | 45% reduction |
Who is eligible for Travelance visitor insurance?
Any non-resident in Canada between 15 days and 85 years old who is not covered by a provincial health care plan is eligible for the visitor to Canada plan. This includes tourists visiting Canada, new immigrants, Super Visa holders, work permit holders, and returning Canadians who are not currently covered by a provincial plan.
Who is not eligible for Travelance visitor insurance?
You are not eligible for the Travelance travel insurance under the following circumstances:
- Reside in a nursing home, assisted living facility, convalescent home, hospice, or rehabilitation centre
- Require assistance with normal daily activities or have used home oxygen or taken prescribed oral steroids for a lung condition within the previous 12 months
- Have a surgically untreated aneurysm
- Have a history of pancreatic cancer, liver cancer, metastatic cancer, or a kidney condition requiring dialysis
- Have undergone a bone marrow or organ transplant, or have a history of congestive heart failure or a terminal illness
You will also be ineligible if you received a diagnosis or treatment for two or more of the following conditions within the previous 12 months:
- Coronary artery disease (including heart attack or angina) or valvular heart disease
- Heart arrhythmia or respiratory conditions requiring daily medication
- Insulin-dependent diabetes, stroke, or transient ischemic attack (TIA), or aneurysm
- Blood clots or gastrointestinal bleeding
Does Travelance visitor health insurance cover pre-existing conditions?
Yes, the Premier plan of Travelance visitor health insurance may provide coverage for eligible pre-existing medical conditions that have been stable for 180 days. The plan does not cover any medical condition that remained unstable during the 180 days before the policy effective date. The essential plan does not cover any pre-existing conditions, regardless of the stability period.
However, the Premier plan of the Travelance insurance has certain conditions for coverage of stable pre-existing conditions:
Ages 69 and under
- Subject to a 180-day stability period
- Excludes any pre-existing condition that was not stable during the 180 days before the policy start date
Ages 70–79
- Subject to a 180-day stability period
The plan excludes the following conditions when they existed during the 180 days before coverage began:
- Heart conditions (e.g., heart attack, angina, arrhythmia, cardiac surgery)
- Brain conditions (e.g., stroke, TIA, aneurysm, seizure)
- Lung conditions (e.g., COPD, asthma, chronic bronchitis, emphysema)
Ages 80 and over
- Does not cover any pre-existing condition that existed during the 180 days before the policy start date
Are there any exclusions or limitations to Travelance visitor health insurance?
Yes, there are certain exclusions and limitations to the Travelance visitor health insurance. While the plans offer comprehensive emergency coverage, certain conditions and procedures are not covered.
Here’s an overview of the general exclusions and limitations of the Travelance travel medical insurance:
| Exclusion Category | What You Need to Know |
| Pre-existing Conditions | The Essential Plan does not cover pre-existing medical conditions. Coverage for stable pre-existing conditions is only available under the Premier Plan and is subject to age-based eligibility requirements and a 180-day stability period. |
| Non-Emergency or Ongoing Care | Treatment that can reasonably be delayed until you return home, follow-up treatment, recurring conditions, and subsequent hospitalizations are generally not covered (except for eligible follow-up visits). |
| Medical Tourism & Planned Treatment | No coverage for trips taken to obtain medical or dental treatment, elective procedures, transplants, cataract treatment, or maintenance medication refills. |
| Unapproved Medical Expenses | Emergency air transportation, surgery, diagnostic tests, and certain cardiac procedures require prior approval. |
| Mental Health | Mental health conditions such as nervous disorders, anxiety, and depression |
| Pregnancy | Pregnancy, childbirth, pregnancy complications, abortion, and newborn care are excluded. |
| Treatment Decisions | Conditions related to recommended treatment, testing, or medication that was declined or delayed within the previous two years are not covered. |
| Drug, Alcohol & Self-Inflicted Injuries | Claims resulting from drug or alcohol use, suicide, attempted suicide, or intentional self-harm are excluded. |
| High-Risk Activities & Sports | Adventure activities, professional sports, motorcycle or scooter use without a valid Canadian licence, and racing activities are not covered. |
| Transportation & Travel Restrictions | Piloting aircraft, non-commercial aviation activities, commercial transportation activities, and side trips to destinations subject to Government of Canada “Avoid Non-Essential Travel” or “Avoid All Travel” advisories are excluded. |
Note: Refer to the policy document for the full list of limitations and exclusions.
How to file a claim with Travelance visitor insurance?
If you experience a medical emergency during your stay in Canada, you should contact the Travelance Assistance Centre as soon as possible to initiate the claims process. The policy 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 Travelance visitors insurance claim process:
- Call the assistance centre immediately: You can contact the assistance centre in Canada and the United States at 1-888-526-0111, and internationally at 905-667-3391. Failure to notify Travel Assistance within 24 hours may result in you being responsible for 20% of eligible expenses.
- Seek approval when required: Certain expenses, including diagnostic testing, surgery, medical equipment, and emergency transportation, require prior authorization.
- Submit claim: Once you have contacted the Travelance Assistance Centre, you must submit a claim online through the eClaims portal or download a claim form and submit it to the Travelance Claims Department within 30 days after the expense or loss is incurred.
- Gather supporting documentation: You will need to provide medical records, proof of treatment expenses (including itemized bills and payment receipts), and travel documents such as your passport, visa, or airline ticket.
- Submit proof of claim: Submit all claim documentation within 90 days of the illness or injury. Expenses must be submitted to Travelance within 12 months of the date of the last eligible expense.
Can you cancel or get a refund on Travelance visitor insurance?
Yes, Travelance Visitor Insurance allows policy cancellations and refunds under certain conditions. The refund depends on whether coverage has started, whether a claim has been filed, and the reason for cancellation. Additionally, the plans offer a ten-day free-look period, where if you cancel your policy within 10 days of purchase, you will receive a full refund of your premium.
Here is the Travelance visitors insurance refund policy at a glance
| Situation | Refund Eligibility |
| Changed your mind within 10 days or purchase | Full refund available if coverage has not started and the cancellation is requested within 10 days of purchase. |
| Changed your mind before coverage starts | Refund of unused premium may be available if you cancel before leaving your home country, with a $250 administration fee. Refund requests must be submitted within 30 days of the requested cancellation date. |
| Visa application refused | Refund of unused premium with no administration fee. Proof of visa denial is required. |
| Never travelled to Canada | A refund of unused premium may be available if the trip was cancelled before departing your home country. Proof of trip cancellation is required, and a $250 administration fee applies |
| Leaving Canada early | Partial refund of unused premium may be available if you return to your home country before the policy expiry date. Proof of return is required, and a $50 administration fee applies. |
| Eligible for provincial health coverage | Partial refund of unused premium may be available if you become insured under a Canadian federal, provincial, or territorial health plan. Proof of coverage is required, and a $50 administration fee applies. |
| If you’ve reported a claim | Refunds are only available if no claim has been reported. If you reported a claim and later returned home before expiry, you may request to withdraw the claim. Any claim payments already made plus a $250 file handling fee will be deducted from the refund amount. |
How to extend coverage instead of cancelling?
If you are thinking about extending your coverage instead of purchasing a new policy, you can do so by contacting your broker before your current Travelance policy expires.
However, an extension to your Travelance Visitors to Canada Insurance is available only under the following circumstances:
- You have not reported a claim, nor do you have a claim or loss to report
- Your policy is still in force when you request the extension
- You pay the additional required premium
- Travelance does not allow extensions beyond 558 days from the original policy start date.
Note that the plan does not cover expenses related to medical conditions that exist when you apply for an extension. You must also disclose all relevant medical information when applying for an extension, since failure to do so will void it.
In some situations, Travelance may require approval before granting an extension. If your policy has already expired, you may not qualify for an extension and may need to purchase a new policy instead.
How does Travelance compare to other visitor insurance options?
Here’s a quick overview of the Travelance visitor health insurance policy compared to similar policies offered by GMS, TuGo, Allianz, and others:
| Provider | Pre-Existing Conditions Coverage | Monthly Payments | Maximum Coverage |
| Travelance | Yes, if stable for 180 days (Premier Plan; Essential Plan excludes pre-existing conditions) | Yes | Up to $150,000 |
| GMS (Group Medical Services) | Yes, if stable for 180 days | No | Up to $150,000 |
| 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 |
| Allianz | Yes, if stable (90 days ≤59 years; 180 days ages 60–89) | No | Up to $500,000 |
| 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 |
| 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 Travelance visitor health insurance
At PolicyAdvisor, we recently helped a 45-year-old visitor coming to Canada for an extended stay who wanted dependable emergency medical coverage with added benefits. Their main concern was finding a plan that offered strong medical protection, flexible deductible options, and good coverage.
The Client profile
- Age: 45 years old
- Purpose of visit: Extended stay in Canada
- Primary concern: Comprehensive coverage at a reasonable cost
- Coverage needed: $100,000 for an 180-day stay
The Market comparison
After comparing several visitor insurance providers, we recommended Travelance Premier Visitors to Canada Insurance because it offered a strong mix of emergency medical coverage, flexibility, and value. The visitor was particularly interested in comprehensive coverage and wanted a plan that included benefits beyond basic emergency hospitalization.
Why we recommended Travelance
While some visitor insurance plans focus primarily on emergency medical expenses, Travelance provides a broader range of benefits that can be valuable during longer stays in Canada. We recommended the plan because it includes:
- Emergency medical evacuation and repatriation coverage
- Flexible deductible options that can help lower premiums
- Automatic extension of coverage due to cancelled flights or hospitalization on or before the expiry date
- Coverage extension options for travellers whose plans change while in Canada
Travelance is often a good fit for visitors who want more than basic emergency medical coverage. It can be particularly appealing to travellers looking for flexible deductible choices, side-trip protection, and a comprehensive set of emergency travel benefits during their stay in Canada.
How to purchase Travelance visitor health insurance in Canada?
PolicyAdvisor’s licensed advisors help visitors find the right Travelance Visitors to Canada Insurance plan by comparing coverage limits, deductibles, and eligibility requirements based on their unique needs. Our advisors can also guide you through customizing your policy and monthly plans based on your age, health history, and travel plans.
Whether you are visiting family, applying for a Super Visa, or waiting for provincial health coverage to begin, our team can guide you through the policy’s coverage options, exclusions, and other provisions.
Frequently Asked Questions
Does Travelance visitor medical insurance cover pre-existing medical conditions?
Yes, the Premier plan of the Travelance visitor insurance covers pre-existing medical conditions, subject to age-based eligibility requirements and a 180-day stability period. The Essential Plan does not cover pre-existing conditions.
Is Travelance suitable for the Super Visa?
Yes, Travelance is eligible for Super Visa insurance when the coverage amount is $100,000 or more in emergency medical coverage for one year. It also offers a monthly payment option, making it a practical choice for families looking to spread out the cost of the plan.
What is the maximum coverage available under Travelance visitor insurance?
Travelance offers emergency medical coverage of up to $150,000. However, applicants aged 70 to 85 can purchase only up to $100,000 in coverage.
Does Travelance visitor to Canada insurance include dental coverage?
Yes, Travelance’s Premier plan includes up to $5,000 for accidental dental treatment and up to $600 for emergency dental pain relief, while the Essential plan offers coverage for up to $2,000.
Are side trips outside Canada covered by Travelance Visitor to Canada Insurance?
Yes, Travelance Visitors to Canada Insurance supports trips taken to other countries from Canada (the trip must start and end in Canada). However, such trips must not exceed 45 days per trip and cannot be taken to your home country. To remain eligible for coverage during a side trip, you must have spent more than 50% of your covered days in Canada at the time of the claim. Additional conditions apply.
Does Travelance visitor medical insurance allow monthly payments?
Yes, you can pay for your Travelance visitor medical insurance via monthly installments when you purchase a plan with 90 travel days or more. Travelance collects two months’ premium on the application date, along with a non-refundable billing fee.
What are the benefits of purchasing a visitor health insurance policy before arriving in Canada?
Purchasing a Travelance 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, Travelance visitor to Canada insurance may provide partial refunds for unused coverage. Proof of departure is required, and an administration fee applies. Refund eligibility is subject to the policy terms and conditions.
Can I extend my Travelance visitors to Canada insurance policy?
Yes, you can request an extension if your policy is still active and you have not reported a claim. You will need to extend by paying the additional premium. However, coverage cannot be extended beyond 558 days from the original start date.
What deductible options does Travelance visitor medical insurance offer?
Travelance offers deductibles of $250, $500, $1,000, $5,000, and $10,000. Choosing a higher deductible can significantly reduce your premium, but it also increases the amount you pay out of pocket before coverage applies.
Travelance Visitors to Canada Insurance is a flexible travel medical insurance option designed for visitors. It offers up to $150,000 in coverage for stays up to 558 days, plus coverage for eligible follow-up visits and prescription drugs, making it a comprehensive plan. This review covers different aspects of the policy in detail.
