Official Distribution Partner. Licensed Life, A&S Insurance Agent | Financial Security Advisor
Official Distribution Partner. Licensed Life, A&S Insurance Agent | Financial Security Advisor
Our ULTIMATE 🍁Canadian Visitor Insurance That Covers Hospital EmergenciesDental EmergenciesDrugs & MedicationsTransportationMedical EmergenciesFollow-up VisitsAccommodationAccidental DeathDismembermentFlight AccidentTrips Out of CanadaEmergency ReturnCanadian Super Visa*Canada-WidePre-existing ConditionsEasy Policy Renewal
Ruslan Zagorulko
Licensed Financial Security Advisor
2,500+
1. for sum insured amounts of $50,000 or more; and
2. trip durations of 6 months or more.
Canada Visitors Plan: Policy Wording | Summary of Benefits (Downloadable PDF)
Top Benefits of Our Ultimate Visitor Insurance to Canada
Visitor Insurance Provided by Destination Travel Group & Ruslan Zagorulko
Emergency hospital and physician care
Ambulance and medical evacuation
Prescription drugs and medical appliances
Follow-Up care and Physical rehabilitation
dental Accident & Pain Coverage
Family travel and subsistence support
Accidental death and repatriation
Canada wide coverage with side trips
Visitor Insurance FAQ
Anyone who is not protected by a provincial plan should carry health and accident insurance coverage during a stay in Canada. That includes tourists, parents and grandparents on Super Visa, spouses and family members visiting for a few weeks, business travellers, IEC and working holiday participants, international students before school plans start, newcomers waiting for a health card, and returning Canadians in waiting periods. Tourist health insurance Canada and broader travel medical insurance protect against large hospital bills and urgent care costs.
Canadian Visitor Insurance Plan is a comprehensive emergency medical plan for people visiting Canada. It is administered by Destination Travel Group underwritten by Zurich Insurance Company Ltd (Canadian Branch) and supported by a 24-hour assistance team. In practical terms, it functions as visitor to Canada insurance that pays for covered hospital services, physician care, diagnostics, ambulance, and other eligible expenses during an unforeseen illness or injury. As your licensed Financial Security Advisor, Ruslan Zagorulko can help tailor the policy so your trip insurance Canada matches your itinerary and risk profile.
Before purchase Ruslan reviews your trip dates, age, and medical profile, recommends a sum insured and deductible, and sets the effective date correctly. After purchase he remains the point of contact for renewals, extensions, qualified cancellations, and document updates. His goal is to keep your travelers insurance paperwork accurate and ready for visas, border checks, or school registration.
The plan covers emergency hospital and physician services up to the chosen limit. That typically includes semi private room, intensive care when required, operating room, diagnostic tests, and fees for physicians and specialists. For many visitors this is the backbone of travel medical insurance because hospital costs in Canada can be significant even for short stays.
Yes. Licensed ground or air ambulance to the nearest appropriate facility is covered when required. If a transfer to another hospital or a medically necessary return to your country of origin is approved, coordinated evacuation can be arranged. Many people compare this feature when choosing travel insurance for trip to canada because transport costs can escalate quickly.
Yes. Emergency prescription drugs are covered to a plan maximum with a defined supply per prescription. Medically required appliances prescribed for the emergency can be included, such as crutches, casts, braces, a wheelchair, or a hospital type bed. These details vary among visitors insurance canada options and are important during recovery.
Yes. Follow-up visits for the same covered emergency are included to a stated maximum when approved. Referred paramedical services such as physiotherapy and defined amounts for chiropractor, osteopath, chiropodist, or podiatrist may also be covered. This continuity of care helps you heal without surprise costs and is a strength compared with basic traveller insurance.
Yes. Destination’s Visitors to Canada plan covers up to $500 for the immediate relief of acute dental pain (non-accidental dental emergency). Treatment must begin and end within 90 days of the emergency and before you return to your country of origin. Accidental dental injuries are covered separately up to $3,000.
Yes. Coverage applies across all provinces and territories for the insured trip. Short side trips outside Canada can be covered up to the maximum sum insured selected when the majority of the period of coverage is spent in Canada (at least 51% of the trip). That does not include coverage in the country of the visitor’s origin.
A temporary return to the country of origin is permitted under the policy conditions. No claims are payable while you are there and expenses related to treatment received there are excluded. Coverage resumes when you return to Canada within the policy dates. This is useful for longer stays under visitor to Canada insurance.
When purchased with an appropriate sum insured and duration, the plan satisfies Super Visa medical insurance requirements. Ruslan prepares confirmations for applications and can adjust dates before the effective date. Parents and grandparents comparing travel insurance canada often need this documentation ready for submission.
Select a limit based on your age, trip length, destination within Canada, and personal risk tolerance. Many travelers choose 100,000 or higher to account for hospital admission, surgery, or intensive care. My recommendation is a minimum of $150,000 coverage.
There are two pathways. One option includes stable pre existing conditions subject to age based stability rules. The other option excludes pre existing conditions entirely. You have to review eligibility questions so your visitors insurance to Canada reflects the correct option and stability period (timeframe before your trip during which a pre-existing medical condition must remain stable).
If you are hospitalized for a covered emergency, the plan can pay for a family member or close friend to travel to your bedside and provides an allowance toward meals and accommodation. If a medical emergency delays your return, there is a daily subsistence allowance for hotel, local transport, and essential calls. These supportive benefits are valuable differentiators among visitor to Canada insurance options.
When medically required and approved, the plan can pay for a one way economy flight home. Accidental death and dismemberment benefits and a separate flight accident benefit are included. Return of remains to the country of origin or local burial or cremation in Canada is covered to stated limits. These are core protections in quality travel medical insurance.
Call the assistance number as soon as reasonably possible, before surgery or within 24 hours of hospital admission. The team confirms coverage, helps direct you to appropriate facilities, coordinates billing when feasible, and advises what documents to keep.
Before the effective date you can adjust start or end dates and receive a full refund when no coverage has begun. During the policy you can extend or renew if eligible and there are no pending claims. A prorated refund may be available in defined situations such as obtaining provincial health coverage or returning home early with no claims. Ruslan manages the process so your visitor to Canada insurance remains accurate.
Describe it as visitor to Canada insurance that provides emergency hospital and physician care, ambulance, dental emergency benefits, follow up treatment, and assistance services, valid across Canada with limited side trips. Include the sum insured, dates of coverage, and contact details on the confirmation. Ruslan supplies a clean copy and can reissue it if travel dates change before the start.
Contact Visitor Insurance Support
Have questions about coverage, quotes, renewal of cancellation? Send a message via WhatsApp, email or fill out this form.
For all CLAIMS related questions, please contact the phone numbers on your policy ONLY!
I’m here to make insurance simple and stress-free. Sincerely, Ruslan Zagorulko.