What is Allianz insurance?
Compare Allianz Visitors to Canada and Super Visa Essentials, including emergency benefits, pre-existing-condition treatment, eligibility, waiting periods, claims and refunds.
Underwriter: CUMIS General Insurance Company
Administrator or claims provider: Allianz Global Assistance
Eligible ages
Generally 15 days to age 89, subject to the selected product
Waiting period
48-hour sickness waiting period can apply after leaving the country of origin or expiry of existing coverage
Administrator
Allianz Global Assistance
Available plan options
Visitors to Canada
Emergency medical, dental, accidental death and travel-support benefits with age-based stability periods.
- Stable conditions: 90 or 180 days
- Accidental dental CAD $4,000
- Dental pain relief CAD $500
- Return of deceased CAD $10,000
- Family or friend transportation CAD $3,000
Super Visa Essentials
Emergency medical insurance for eligible Super Visa applicants with a narrower benefit structure and pre-existing-condition exclusions.
- Prescription drugs CAD $500
- Practitioner services combined CAD $1,000
- Private-duty nurse CAD $5,000
- Return of deceased CAD $7,500
- Burial or cremation CAD $4,000
Plan comparison
| Feature | Visitors to Canada | Super Visa Essentials |
|---|---|---|
| Pre-existing conditions | May be covered when stable for 90 or 180 days according to age | Pre-existing-condition exclusions apply |
| Prescription drugs | Subject to the Visitors policy | Up to CAD $500 |
| Practitioner services | CAD $500 per profession | Combined maximum CAD $1,000 |
| Accidental dental | Up to CAD $4,000 | Not listed in the supplied Essentials summary |
| Dental pain relief | Up to CAD $500 | Not listed in the supplied Essentials summary |
| Return of deceased | Up to CAD $10,000 | Up to CAD $7,500 |
| Transportation of family or friend | Up to CAD $3,000 | Not listed in the supplied Essentials summary |
Benefit summary
| Benefit | Maximum or coverage | Important condition |
|---|---|---|
| Emergency hospital and medical | Up to the selected sum insured | Eligible sudden and unforeseen emergencies |
| Emergency transportation | Up to the selected sum insured | Air, land or sea ambulance when medically necessary |
| Private-duty nurse | Super Visa Essentials up to CAD $5,000 | Prior approval required |
| Attendant | Up to CAD $500 | Eligible attendant expenses |
| Emergency return home | Visitors plan up to CAD $3,000 | Approval and medical-necessity conditions apply |
| Out-of-pocket expenses | Visitors plan up to CAD $1,500 | Hospitalization conditions apply |
Who is eligible?
- At least 15 days old and no older than age 89
- Not insured or eligible for Canadian government health insurance
- In good health at purchase and departure
- No known reason to seek medical consultation during the covered period
- No terminal illness
- No stage 3 or stage 4 cancer
- No disqualifying recent cancer treatment
- No health-related requirement for assistance with daily living
Pre-existing conditions and medical history
- Under Allianz Visitors to Canada, applicants age 59 or younger generally require 90 days of stability.
- Applicants age 60–89 generally require 180 days of stability.
- Super Visa Essentials applies its stated pre-existing-condition exclusion.
- A health change between application and the effective date must be reported.
Medical questionnaire and application guidance
Which Allianz product may cover stable conditions?
The Allianz Visitors to Canada product may cover eligible stable conditions based on age. Super Visa Essentials applies its own pre-existing-condition exclusion.
Waiting period and stability guidance
- A 48-hour sickness waiting period may apply when purchased after leaving the country of origin.
- The same waiting period can apply after an existing Allianz policy expires.
- A sickness manifesting during the waiting period remains excluded.
- The waiting period may be waived in qualifying continuous-coverage circumstances.
Claims and emergency assistance
- Contact Allianz Global Assistance before treatment whenever possible.
- In a serious emergency, attend hospital and have someone call within 24 hours.
- Submit the claim form, original bills, receipts and medical records.
- Provide proof within the policy deadlines.
Refunds and administration fees
- A full refund may be available within 10 days of purchase when travel has not begun and no claim exists.
- A partial refund may be considered after early return or government-plan eligibility.
- A completed refund request form, policy confirmation and supporting proof are required.
- No refund is available after a claim has been made.
- A refund fee and minimum-premium requirement may apply.
Important exclusions and limitations
- Pre-existing conditions not covered under the selected product
- Treatment after the emergency ends unless approved
- Mental or emotional disorders and self-inflicted injury
- Pregnancy and childbirth expenses
- Alcohol and drug abuse
- Specified hazardous activities and professional sports
- Travel for medical treatment or against physician advice
- War, terrorism, criminal acts and sanctions-related losses
Frequently asked questions
All answers remain openly displayed in the HTML for users, search engines, voice assistants and AI search systems.
What are the two Allianz products on this page?
Allianz Visitors to Canada and Allianz Super Visa Essentials.
Which plan may cover stable pre-existing conditions?
The Visitors to Canada product may cover eligible stable conditions using age-based 90- or 180-day stability periods.
What is the waiting period?
A 48-hour sickness waiting period may apply after departure or expiry of previous coverage.
Who underwrites Allianz visitor insurance?
CUMIS General Insurance Company.
Who handles claims?
Allianz Global Assistance handles emergency assistance and claims.
Compare Allianz before purchasing
Compare the plan, coverage amount, deductible, medical-history requirements, waiting periods, payment arrangement and premium.