Applicant must be a visitor to Canada, an immigrant awaiting provincial government health care coverage,

or a returning Canadian. The applicant is over the age of 14 days old and has not reached the age of 90 years at the time of application.

A deductible does not apply unless the applicant chooses one of the deductible options at a discounted premium.

(min. $0, max. $50 per person or family)

(min. $0, max. $150 per person or family)

(min. $0, max. $250 per person or family)

Deductible options must be selected prior to the effective date of the policy. Deductible amount

can not be amended mid-term. All Insureds on the policy must have the same

deductible option. The deductible only applies to the Emergency Hospital/Medical Coverage of the policy.

If insurance was purchased prior to arrival date in Canada the “Waiting Period” does not apply.

If purchased after arrival date in Canada, coverage is subject to “Waiting Period” requirements as indicated.

“Waiting Period” means a) if this policy was purchased within 60 days after your arrival in Canada, then in respect of any

sickness you will only be entitled to receive benefits for the cost of eligible medical expenses incurred after the first 48 hours from the effective

date of this policy; or, b) if this policy was purchased 61 days or more after your arrival in Canada then in respect of

any sickness you will only be entitled to receive benefits for the cost of eligible medical expenses incurred after seven (7) days from the effective date of this policy. If the applicant has seen a Doctor since entering Canada, please contact our office.

PRE-EXISTING CONDITION COVERAGE

For persons 69 years and under, pre-existing conditions are covered if stable in the 120 days prior to the effective date of this policy.

For persons 70 to 79 years, pre-existing conditions are not covered; however coverage for pre-existing conditions can be purchased. See subheading optional

pre-existing conditions coverage rider for details. For persons 80 to 89 years, pre-existing conditions are

not covered.

Optional pre-existing conditions coverage rider for persons 70-79 years The applicant can purchase an additional optional

coverage to cover pre-existing conditions provided they were stable in the 120 days prior to the effective

date of the policy. A 25% surcharge will apply.

The total premium per policy must be $15

Travel Underwriters Rate Chart- Platinum Visitors

Travel Underwriters Visitors Platinum Policy Wording

To apply for a policy, please contact us by phone or e mail.  Coverage can be confirmed by e mail and originals mailed out to the address of your choice.