What is 2 Visit Canada insurance?
Compare 2 Visit Canada Standard and Enhanced benefits, eligibility, waiting periods, stable pre-existing-condition options, medical declaration guidance, claims, refunds and exclusions.
Underwriter: Refer to the current policy confirmation
Administrator or claims provider: MSH Assistance
Maximum duration
Up to 365 days per policy
Eligibility age
15 days to under 90
Medical declaration
Secure Travel medical-declaration structure applies to stable-condition coverage
Available plan options
Standard
Emergency medical insurance with lower prescription, dental, paramedical and repatriation limits.
- Ward hospital room
- Prescription maximum CAD $500
- Paramedical CAD $300 per profession
- Accidental dental CAD $1,000
- Dental pain relief CAD $300
Enhanced
Higher benefit limits and additional travel and family-support features.
- Semi-private hospital room
- Prescription maximum CAD $1,000
- Paramedical CAD $500 per profession
- Accidental dental CAD $3,000
- Additional bedside and accommodation benefits
Plan comparison
| Benefit | Standard | Enhanced |
|---|---|---|
| Hospital room | Ward rate | Semi-private room |
| Prescription drugs | CAD $500 per prescription | CAD $1,000 per prescription |
| Paramedical | CAD $300 per profession | CAD $500 per profession |
| Accidental dental | Up to CAD $1,000 | Up to CAD $3,000 |
| Dental pain relief | Up to CAD $300 | Up to CAD $500 |
| Return of remains | Up to CAD $5,000 | Up to CAD $10,000 |
| Additional travel support | Not included | Bedside transportation, meals, hospital allowance and child-return benefits |
Benefit summary
| Benefit | Maximum or coverage | Important condition |
|---|---|---|
| Hospital and physician | Eligible emergency expenses up to the selected sum insured | Reasonable-and-customary charges apply |
| Diagnostic services | Eligible laboratory tests and X-rays | Advanced diagnostics require prior approval |
| Private-duty nursing | Up to CAD $5,000 | In lieu of hospitalization and pre-approved |
| Follow-up visits | Up to CAD $1,000 | Related to the covered emergency and approved |
| Medical appliances | Up to CAD $5,000 | Minor appliances subject to approval |
| AD&D | Up to CAD $100,000 | Covered-loss schedule applies |
Who is eligible?
- Visitors, workers, students and new immigrants not eligible for government health insurance
- At least 15 days old and less than 90 years old
- Not travelling against medical advice
- No terminal illness
- No new or undiagnosed symptoms
- No assistance required with daily living
- No listed recent serious cancer, dialysis, transplant or home-oxygen disqualification
Pre-existing conditions and medical history
- Standard does not cover pre-existing conditions unless the applicable medical option is selected.
- Eligible applicants up to age 69 may require 90 days of stability.
- Eligible applicants age 70–84 may require 180 days of stability and No answers to all medical questions.
- New symptoms, diagnosis, hospitalization, medication changes, treatment changes or referrals can affect stability.
Medical questionnaire and application guidance
Which questionnaire applies?
The applicable Secure Travel medical declaration is used to assess stable-condition eligibility for older applicants.
What must applicants do?
Answer every declaration question accurately and review the final answers before the policy is issued.
Waiting period and stability guidance
- A 48-hour sickness waiting period applies when purchased within 30 days after arrival.
- An eight-day sickness waiting period applies when purchased after 30 days.
- Eligible accidents are generally not subject to the sickness waiting period.
- A qualifying continuous renewal without a gap may waive the waiting period.
Claims and emergency assistance
- Contact MSH Assistance before seeking treatment whenever possible.
- Submit the completed claim form and itemized medical bills.
- Provide prescription receipts and proof of travel dates.
- Submit written proof within 90 days of service.
Refunds and administration fees
- A full refund may be considered before the effective date, less applicable fees.
- Super Visa denial requires satisfactory proof.
- A prorated unused-premium refund may be available after early return or government-plan eligibility.
- Minimum-premium and claim restrictions apply.
Important exclusions and limitations
- Excluded or unstable pre-existing conditions
- Non-emergency, elective or cosmetic treatment
- Medical expenses in the country of origin
- Ongoing or maintenance treatment
- Specified hazardous activities and professional sports
- Pregnancy or childbirth expenses outside the policy provisions
- Substance, illegal-act, war and terrorism losses
Frequently asked questions
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Who is eligible for 2 Visit Canada?
Eligible visitors, work- or study-permit holders and new immigrants not covered by government health insurance.
What is the difference between Standard and Enhanced?
Enhanced raises prescription, dental, paramedical and repatriation limits and adds travel-support benefits.
What is the waiting period?
Generally 48 hours within 30 days after arrival and eight days when purchased later.
Which medical questionnaire applies?
The applicable Secure Travel medical declaration is used for stable-condition eligibility.
Who handles claims?
MSH Assistance handles emergency assistance and claims coordination.
Compare 2 Visit Canada before purchasing
Compare the plan, coverage amount, deductible, medical-history requirements, waiting periods, payment arrangement and premium.