What is Discover Canada insurance?
Review the current Discover Canada plan, including coverage up to CAD $1 million, monthly payments, stable pre-existing-condition coverage, waiting periods, benefits, claims, refunds and exclusions.
Underwriter: Certain Lloyd’s Underwriters
Administrator or claims provider: MSH International / Intrepid 24/7
Available limits
CAD $50,000, $100,000, $150,000, $300,000, $500,000 and $1,000,000
Eligible ages
At least 15 days old and less than 90 years old
Initial monthly payment
First month + last month + CAD $90 setup fee
Available plan options
Discover Canada
Emergency medical insurance for eligible visitors, Super Visa applicants, work- or study-permit holders and new immigrants.
- Coverage choices up to CAD $1 million
- Stable-condition coverage through age 80
- Prescription benefit CAD $2,000
- Maternity benefit CAD $5,000
- Monthly-payment option
Benefit summary
| Benefit | Maximum or coverage | Important condition |
|---|---|---|
| Hospital and physician | Eligible emergency expenses up to the selected sum insured | Semi-private accommodation and medical-necessity rules apply |
| Prescription drugs | Up to CAD $2,000 per policy | Generally limited to a 30-day supply unless hospitalized |
| Paramedical | Up to CAD $500 per profession | Prescription and approval requirements apply |
| Accidental dental | Up to CAD $4,000 | Eligible accidental blow to the face |
| Dental pain relief | Up to CAD $500 | Eligible emergency treatment |
| Return of remains | Up to CAD $10,000 | Burial or cremation may be covered up to CAD $5,000 instead |
| Maternity | Up to CAD $5,000 | Pregnancy must begin after the effective date |
| Psychiatric or psychological | Up to CAD $500 | Acute treatment and prior approval |
| Wellness benefits | Vaccines CAD $100, physical CAD $250 and eye examination CAD $100 | Required continuous-coverage periods apply |
Who is eligible?
- Visitors to Canada
- Eligible Super Visa applicants
- Valid work- or study-permit holders
- New immigrants awaiting government health coverage
- Not travelling against physician advice
- No terminal illness or congestive heart failure
- No new or undiagnosed symptoms
- No health-related assistance required with activities of daily living
Pre-existing conditions and medical history
- Eligible applicants up to age 70 require 90 days of stability.
- Applicants age 71–80 require 180 days of stability.
- All pre-existing medical conditions are excluded after age 80.
- Hospitalization, diagnosis, treatment changes, medication changes, worsening symptoms, referral or pending investigations can affect stability.
Medical questionnaire and application guidance
Does Discover Canada have an Essential plan?
No. Discover Canada is currently presented as one comprehensive plan.
What if health changes before coverage begins?
Contact the broker immediately so eligibility and coverage can be reviewed before the effective date.
Waiting period and stability guidance
- A 48-hour sickness waiting period applies to the younger age band when purchased after arrival.
- A five-day sickness waiting period applies to the older age band stated in the policy.
- The policy wording overlaps at exactly age 70; confirm the applicable waiting period before issue.
- A qualifying continuous policy may waive the waiting period.
Monthly-payment information
- The initial monthly-plan payment equals the first month’s premium plus the last month’s premium plus a CAD $90 setup fee.
- Remaining premiums are collected according to the issued schedule.
- The monthly option changes the payment method only; it does not change benefits, stability, waiting periods or exclusions.
- Refund treatment of the CAD $90 setup fee must be confirmed from the current monthly-payment agreement.
Claims and emergency assistance
- Contact Intrepid 24/7 immediately when symptoms or an emergency appear.
- Call within 24 hours after hospital admission.
- Obtain approval before surgery or services requiring prior approval.
- Submit itemized bills, receipts, medical records and proof of travel.
Refunds and administration fees
- A full refund may be available before the effective date.
- A Super Visa denial refund requires satisfactory proof; otherwise a CAD $250 cancellation fee may apply.
- An eligible early-return or government-plan refund is prorated and generally subject to a CAD $25 administration fee.
- No refund is considered after a claim has been paid or while a claim remains pending.
- No refund is issued when the amount is less than CAD $20.
Important exclusions and limitations
- Unstable or age-excluded pre-existing conditions
- All pre-existing conditions after age 80
- Non-emergency, routine, elective or cosmetic treatment
- Treatment in the country of origin
- Ongoing treatment after the emergency ends
- Specified hazardous activities
- Services requiring approval when approval was not obtained
Frequently asked questions
All answers remain openly displayed in the HTML for users, search engines, voice assistants and AI search systems.
Does Discover Canada offer more than one current plan?
No. It is currently presented as one comprehensive Visitors to Canada and Super Visa insurance plan.
How does the monthly plan work?
The initial payment is the first month’s premium, the last month’s premium and a CAD $90 setup fee.
How much coverage is available?
Available options may range from CAD $50,000 to CAD $1 million.
Does it cover stable pre-existing conditions?
Eligible stable conditions may be covered through age 80, subject to the applicable 90- or 180-day stability period.
Who handles claims?
Intrepid 24/7 handles emergency assistance and claims coordination.
Compare Discover Canada before purchasing
Compare the plan, coverage amount, deductible, medical-history requirements, waiting periods, payment arrangement and premium.