Travelance

Overview

Travelance is a Canadian travel and accident insurance distributor that has been providing insurance solutions to Canadians since 2013. They provide insurance solutions for visitors to Canada, travelling Canadians, and international students studying in Canada.

Why we recommend

Travelance is recommended for their quality Visitors to Canada Emergency Medical Insurance Plans underwritten by Old Republic Insurance Company of Canada. Together, they provide a quality product and smooth claims service handling.

How it helps

Visitors to Canada who apply for and enter the country on a Super Visa are required, as part of the program, to carry emergency medical insurance. In addition, newcomers to Canada and returning expatriates may experience a waiting period before their Government Health Insurance Plan (GHIP) becomes active. During this time, individuals would be responsible for paying out-of-pocket for any emergency medical care they receive. Purchasing Visitors to Canada Emergency Medical Insurance helps protect against unexpected and potentially costly emergency medical expenses.

Fees and Speed

For your services, we will list fees that vary depending on the type of options and duration, as well as your average response time to clients.
a. Rate chart – https://travelance.box.com/v/vtc-rate-chart
b. Policies are processed once the payment has been collected via the provided
link. Fulfillment is sent right away.

FAQs

1. What is Visitors to Canada Emergency Medical Insurance?
   Visitors to Canada Emergency Medical Insurance is emergency medical coverage for visitors to Canada, newcomers to Canada, and Canadians who are not otherwise eligible under any Canadian federal, provincial or territorial government health insurance plan.
2. Do I have to purchase Visitors to Canada Emergency Medical Insurance prior to
   arrival in Canada?
   We recommend purchasing a Visitors to Canada Emergency Medical Insurance (VTC)
   policy before you depart from your home country.
   If you purchase a VTC policy after arriving in Canada, you will be subject to two waiting
   periods; one for sickness and one for injury.
   Please review the policy wording for details.
3. Who is eligible to purchase this insurance?
   Our VTC plans are available to individuals over 14 days old and under 86 years of age
   during their entire period of coverage, who meet the Eligibility Requirements on pages
   2-4 of the policy wording, as per the Medical Eligibility Questionnaire.
   Please see the policy wording for complete eligibility details.
4. What is the difference between the Visitors to Canada Emergency Medical
   Insurance Premier and Essential plans?
   The Essential Plan offers coverage for:
   1. Those who are in good health and require a low-cost plan
   2. Emergency medical up to the plan limit arising from sudden and
   unforeseen circumstances
   3. There are no benefits for any pre-existing conditions
   ○ The Premier Plan builds on the Essential Plan and offers upgraded and
   additional benefits including:
   1. Coverage for some stable pre-existing conditions (up to 79 years of
   age, conditions apply)
   2. Accidental death and dismemberment (as per the plan limit, up to
   $100,000 maximum)
   3. Additional benefits and increased sublimits when compared to the
   Essential Plan
   For a detailed comparison of the plan highlights, click here.
5. Am I covered for travel outside of Canada (side trips)?

   Yes, the number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim. Each side trip outside of Canada must not exceed 45 days. Coverage is not provided in your client’s home country.
   Example: a policyholder is planning a 7 day trip to the U.S.

   ○ To be covered under the Essential or Premier plans during their trip to the
   U.S., they must first spend at least 8 days in Canada

Disclaimer

This is a brief description of coverage. Please see the policy wording for benefits,
definitions, exclusions, limitations, terms and conditions.

Policies issued and distributed by:
Travelance Inc.
Hamilton, ON
info@travelance.ca
+1-855-566-8555
Underwritten by:
Old Republic Insurance Canada
100 King St W, Hamilton, ON L8P 1A1