Standard
BasicUp to $150,000
Coverage choices: $25K, $50K, $100K or $150K
- Prescription drugs up to $500
- Follow-up visits up to $500
- Accidental dental up to $1,500
- 90-day stability buy-down available
Visitors to Canada & Super Visa
AwayCare TrueNorth Visitors to Canada Insurance
Compare Standard, Enhanced, Gold and Platinum coverage, understand pre-existing-condition stability options, calculate buy-down surcharges and review the administration fees before you purchase.
✓ Coverage up to $300,000✓ Eligible applicants through age 88✓ Four plan levels✓ Stability buy-down options
What is AwayCare TrueNorth visitor insurance?
It is emergency medical insurance managed by AwayCare for eligible visitors to Canada, including Super Visa applicants. The policy offers four benefit levels and selectable coverage limits, with optional coverage for stable pre-existing conditions. The issued policy confirmation determines the exact plan, coverage amount, deductible and stability option purchased.
$25K–$300KCoverage options vary by plan
15 days–88Age range, subject to eligibility
48 hoursSickness waiting period after arrival or a coverage gap
30%Possible co-insurance if assistance is not contacted
Plan comparison
Which AwayCare TrueNorth plan may fit your visitor?
All four plans cover eligible emergency medical expenses. The main differences are the available coverage amounts, secondary benefit limits, accidental death coverage and the shortest stability period that can be purchased.
Enhanced
More benefitsUp to $150,000
Coverage choices: $25K, $50K, $100K or $150K
- Prescription drugs up to $750
- Follow-up visits up to $1,000
- Accidental dental up to $2,500
- 90-day stability buy-down available
Gold
FlexibleUp to $300,000
Coverage choices: $50K, $100K, $150K or $300K
- Follow-up visits up to $1,500
- Accidental dental up to $3,000
- Flight and non-flight AD&D
- 30-day stability buy-down available
Platinum
Highest limitsUp to $300,000
Coverage choices: $50K, $100K, $150K or $300K
- Prescription drugs up to $1,000
- Follow-up visits up to $3,000
- Accidental dental up to $4,000
- Highest bedside and travel benefits
| Benefit | Standard | Enhanced | Gold | Platinum |
|---|---|---|---|---|
| Coverage limit choices | $25K–$150K | $25K–$150K | $50K–$300K | $50K–$300K |
| Prescription drugs | $500 | $750 | $750 | $1,000 |
| Follow-up visits | $500 | $1,000 | $1,500 | $3,000 |
| Paramedical services | $200 | $400 | $400 | $600 |
| Dental—accidental blow | $1,500 | $2,500 | $3,000 | $4,000 |
| Dental pain relief | $200 | $400 | $400 | $500 |
| Repatriation of remains | $5,000 | $7,500 | $10,000 | $12,000 |
| Bedside companion airfare / subsistence | $2,500 / $1,000 | $3,000 / $1,500 | $3,000 / $1,500 | $5,000 / $2,000 |
| Hospital allowance | $500 | $750 | $1,000 | $1,000 |
| Accidental death & dismemberment | Not included | Not included | IncludedDetailed wording: up to $50K flight / $25K non-flight | IncludedDetailed wording: up to $50K flight / $25K non-flight |
| Shortest stability option | 90 days | 90 days | 30 days | 30 days |
| Eligible early-return admin fee | $50 + tax | $50 + tax | $25 + tax | $25 + tax |
Policy consistency note: The at-a-glance chart and detailed benefit wording show different figures for Enhanced extra meals/hotel/phone/taxi expenses and for non-flight accident coverage. This page avoids relying on the conflicting summary figure. Confirm the current quote and coverage confirmation before publishing or selling.
Pre-existing conditions
How can you buy down the stability period?
The policy determines which stability options are available by age and plan. The calculator then shows how the current surcharge changes the base premium.
Age and plan
Standard stability
180 days
90 days
30 days
Age 0–74
Standard / Enhanced
Standard / Enhanced
180 days
Included
+20%
Not offered
Age 0–74
Gold / Platinum
Gold / Platinum
180 days
Included
+20%
+30%
Age 75–88
Standard / Enhanced
Standard / Enhanced
365 days
+20%
+35%
Not offered
Age 75–88
Gold / Platinum
Gold / Platinum
365 days
+20%
+35%
+50%
Premium formula: Base premium + (base premium × surcharge percentage) = estimated premium.
Important: The stability periods and plan availability come from the policy wording. The percentage surcharges shown above were supplied for this page and are not stated in the uploaded policy. The live rate and issued confirmation control.
Cancellation and refunds
What administration fees apply?
Administration fees depend on why the policy is being cancelled, the plan selected and whether coverage has started.
$0
10-day review
Full refund when requested within 10 days of receiving the policy, provided no travel has taken place.
$100
Super Visa refusal
Applies when an eligible Super Visa policy is cancelled because the visa was refused or the application was rescinded, with proof.
$100
Before-effective cancellation
For eligible non-Super Visa policies cancelled after the 10-day review period but before the effective date.
$50
Standard / Enhanced early return
Deducted from an eligible unused-premium refund after early return or provincial health coverage.
$25
Gold / Platinum early return
Deducted from an eligible unused-premium refund after early return or provincial health coverage.
$20
Minimum refund
A refundable amount of at least $20 must remain. Applicable tax is added to administration fees.
Eligibility
Who may be eligible for AwayCare TrueNorth?
Applicants must satisfy all requirements on the departure date. The following is a high-level guide and does not replace the application or medical questions.
Age and living arrangements
- At least 15 days old
- Under age 89
- Not residing in a nursing home or long-term-care facility
- Does not require help with activities of daily living
Serious medical restrictions
- Not travelling against physician advice
- No life expectancy of six months or less
- No home oxygen in the last 24 months
- No dialysis recommendation or use in the last 12 months
Additional exclusions
- No congestive heart failure
- No pending or completed organ transplant
- No metastatic cancer history
- No chemotherapy in the last six months, except cream
Medical eligibility is more detailed than this summary. Answer the official application questions accurately. Incomplete or inaccurate answers can void coverage and result in claim denial.
Coverage details
What can TrueNorth emergency medical insurance cover?
Eligible expenses must arise from a sudden and unexpected medical emergency and remain subject to the policy limit, deductible, exclusions and Assistance Centre requirements.
Medical care
Physician and hospital care, semi-private accommodation, intensive care when medically necessary, private-duty nursing, diagnostic tests and approved medical appliances.
Drugs and follow-up
Emergency prescription drugs for up to a 30-day supply and plan-specific follow-up visits directly related to the emergency.
Emergency return home
Eligible economy airfare, stretcher arrangements, a qualified medical attendant or air ambulance when medically necessary and authorized.
Emergency dental
Plan-specific benefits for acute dental pain and damage to natural or permanently attached artificial teeth caused by an accidental blow.
Travel-related support
Depending on the plan: extra meals and hotel, bedside companion, childcare, hospital allowance, return and escort of children, and identification of remains.
Gold and Platinum AD&D
Gold and Platinum include qualifying flight and non-flight accidental death and dismemberment benefits, subject to the detailed schedule and exclusions.
Emergency and claims
What should you do when an emergency happens?
Contact assistance
Call before treatment or as soon as medically possible. The Assistance Centre can confirm coverage, refer a provider and arrange direct billing where available.
Obtain authorization
MRI, CT scans, cardiac testing, angioplasty and surgery generally require advance authorization, except qualifying emergency surgery immediately on admission.
Keep original records
Keep itemized bills, invoices, receipts, medical records, diagnosis, proof of travel and other documents requested for the claim.
Submit within 90 days
Send the completed claim form and documentation to Penfield Care, Inc., 310-260 Hearst Way, Ottawa, Ontario K2L 3H1.
Refund process
How do you request an AwayCare refund?
Before coverage starts
Contact the broker of record or AwayCare. Provide the policy confirmation and the required reason or evidence. The 10-day review or $100 administration fee may apply.
After an early return
Submit a written request within 60 days after returning home, with proof of departure from Canada. The plan-specific fee and minimum refund apply.
After 30 days
When the request is submitted more than 30 days after the return date, every page of the passport may be required to verify there was no later visit to Canada.
After requesting a refund
No expenses will be accepted for consideration under the policy after a premium refund has been requested, regardless of when the expense occurred.
Open FAQs for search and voice assistants
Frequently asked questions about AwayCare TrueNorth
All answers remain visible in the page HTML for accessibility, Google indexing, AI answers and voice search.
What is AwayCare TrueNorth Visitors to Canada Insurance?
AwayCare TrueNorth is emergency medical insurance for visitors to Canada, Super Visa applicants and other eligible travellers. Four plan levels—Standard, Enhanced, Gold and Platinum—offer different coverage amounts and benefit limits.
Who underwrites AwayCare TrueNorth insurance?
The reviewed policy is underwritten by LS-Travel Insurance Company. Claims assistance is provided by Penfield Care, Inc. on behalf of LS-Travel Assistance, and the policy is managed by AwayCare Inc.
What is the maximum age for AwayCare TrueNorth?
Coverage is not available to a person who is age 89 or older on the departure date. This means eligible applicants may be covered through age 88, subject to all medical and general eligibility requirements.
What coverage amounts are available?
Standard and Enhanced plans offer $25,000, $50,000, $100,000 or $150,000. Gold and Platinum offer $50,000, $100,000, $150,000 or $300,000, subject to the issued confirmation.
What is the difference between Standard, Enhanced, Gold and Platinum?
All four plans include eligible emergency medical expenses and emergency return home. Enhanced, Gold and Platinum increase several limits for prescription drugs, follow-up visits, dental care, repatriation, bedside companion expenses and other benefits. Gold and Platinum also include accidental death and dismemberment benefits.
What is the standard stability period up to age 74?
The policy wording states a standard 180-day stability period for applicants age 0 to 74 who purchase pre-existing-condition coverage. Eligible buy-down options depend on the plan selected.
How much does it cost to reduce stability to 90 days up to age 74?
Based on the current surcharge schedule supplied for this page, reducing stability from 180 days to 90 days adds 20% to the base premium. The live quote and coverage confirmation must be used for the final price.
Can stability be reduced to 30 days up to age 74?
Yes, on Gold or Platinum when offered. The current surcharge supplied for this page is 30% above the base premium. Standard and Enhanced do not provide the 30-day buy-down in the reviewed wording.
What is the standard stability period from age 75 to 88?
The reviewed policy states a standard 365-day stability period for applicants age 75 and older. Because coverage is unavailable at age 89 or older, the practical age band is 75 to 88.
How much does a 180-day stability option cost from age 75 to 88?
The current surcharge supplied for this page is 20% above the base premium for a reduction from 365 days to 180 days.
How much does a 90-day stability option cost from age 75 to 88?
The current surcharge supplied for this page is 35% above the base premium for a reduction from 365 days to 90 days.
How much does a 30-day stability option cost from age 75 to 88?
The current surcharge supplied for this page is 50% above the base premium and the 30-day option is available only with Gold or Platinum under the reviewed policy wording.
How do I calculate the stability buy-down surcharge?
Multiply the base premium by the applicable surcharge percentage. For example, a $1,000 base premium with a 35% surcharge adds $350, producing an estimated premium of $1,350 before tax or other adjustments.
What does stable mean under the TrueNorth policy?
A condition is stable only when all listed requirements are met, including no new diagnosis or treatment, no medication change except permitted routine adjustments, no new or more severe symptoms, no hospitalization or specialist referral, no deterioration shown by testing, and no pending treatment or test results.
Is family coverage available?
Yes. Family coverage is available when all family members are under age 60, travel together, are named on the confirmation and the family premium has been paid. Children must be at least 15 days old.
Can I buy AwayCare insurance after arriving in Canada?
The policy may be purchased after leaving home, but a 48-hour waiting period applies to sickness. The waiting period does not apply to eligible injuries, and all other terms and exclusions remain in force.
Can I extend my AwayCare TrueNorth policy?
An eligible policy shorter than 365 days may be extended up to a total of 365 days. To avoid a new waiting period, request and pay for the extension before the current AwayCare policy expires. Health changes or possible claims can make the extension subject to insurer approval.
Are side trips outside Canada covered?
Eligible side trips outside Canada, excluding the traveller's home country, may be covered when each trip begins and ends in Canada, does not exceed 30 days and does not exceed 51% of the coverage period already spent in Canada.
What happens during a temporary return to my home country?
Coverage is suspended while the insured is in the home country. Treatment received during the temporary return can exclude related treatment for the rest of the coverage period after returning to Canada.
What are the AwayCare cancellation administration fees?
A $100 fee applies to eligible Super Visa refusal or rescinded-application cancellations and to eligible non-Super Visa cancellations requested after the 10-day review period but before the effective date. Applicable tax is added to fees.
What fee applies when I return home early?
When eligible and no claim has been reported or initiated, early-return or provincial-health-plan refunds are reduced by $50 for Standard and Enhanced or $25 for Gold and Platinum. Proof of return or provincial coverage is required.
Is there a minimum refund?
Yes. The reviewed wording states that a minimum refundable amount of $20 must be available after applicable deductions.
Can I receive a refund after making a claim?
No refund is available after a claim has been paid. Some reported but unpaid claims may be withdrawn subject to insurer approval and a handling fee, but the policy does not specify the amount of that handling fee.
How long do I have to request an early-return refund?
A written cancellation request and proof of departure from Canada must be received within 60 days after returning home. Additional passport evidence may be required when the request is submitted more than 30 days after the return date.
What should I do during a medical emergency?
Call the Assistance Centre before treatment whenever possible and within 24 hours of hospitalization. Call 1-833-268-0551 from Canada or the United States, or 1-514-657-8654 collect from elsewhere.
What happens if I do not call the Assistance Centre?
Unless it was medically impossible to call, the insured must pay 30% of the eligible medical expenses that would normally be payable when the Assistance Centre was not contacted before treatment or within the required time.
How long do I have to submit a claim?
The reviewed wording requires the claim and supporting documentation to be submitted within 90 days of the loss or emergency. Keep copies of all original itemized receipts, bills and invoices.
Does TrueNorth cover prescription drugs?
Eligible prescription drugs are limited to a 30-day supply. The maximum is $500 under Standard, $750 under Enhanced and Gold, and $1,000 under Platinum.
Are follow-up visits covered?
Follow-up visits directly related to the emergency are limited to $500 under Standard, $1,000 under Enhanced, $1,500 under Gold and $3,000 under Platinum.
Does TrueNorth cover emergency dental treatment?
For an accidental blow to the mouth, limits range from $1,500 under Standard to $4,000 under Platinum. Acute dental pain limits range from $200 to $500 depending on the plan.
Are MRI, CT scans or surgery automatically covered?
No. MRI, CAT or CT scans, angiograms, cardiac catheterization and surgery generally require advance authorization from the Assistance Centre, except qualifying extreme emergency circumstances.
Does Gold or Platinum include accidental death coverage?
Yes. The detailed wording provides up to $50,000 for a qualifying flight accident and up to $25,000 for qualifying non-flight travel accident loss, subject to the schedule of losses and exclusions.
Can I compare AwayCare with other visitor insurance plans?
Yes. The instant quote page can show AwayCare TrueNorth pricing and other available Visitors to Canada or Super Visa plans so you can compare premiums, stability periods, deductibles, benefit limits and refund rules.
How do I get an instant AwayCare TrueNorth quote?
Use the Instant Quote button, enter the traveller's age, dates, coverage amount, deductible and medical-stability option, then review the live premium and issued terms. Contact Pankaj Bhatia for medical eligibility or stability questions before purchasing.
Sources, surcharge disclosure and independent-advisor notice
This independent educational page is prepared for PankajBhatia.ca. It is not the official AwayCare, LS-Travel or Penfield Care website and does not replace the application, medical questionnaire, coverage confirmation or insurance contract.
Document reviewed: AwayCare TrueNorth Individual Travel Policy, version V2025.05.
Stability surcharge source: The +20%, +30%, +35% and +50% premium adjustments were provided by Pankaj Bhatia for this page. They do not appear in the uploaded policy wording and must be confirmed in the current quote system before purchase.
Last reviewed: August 2, 2026. The issued confirmation takes precedence where it conflicts with this summary.