What is TravCare insurance?
Compare TravCare Base, Extended Care and Comprehensive Care benefits, separate pre-existing-condition options, age eligibility, waiting periods, claims, refunds and exclusions.
Underwriter: Refer to the current policy confirmation
Administrator or claims provider: Epic Health Solutions
Maximum duration
Up to one year per policy and no more than two consecutive years
Medical options
Plan 1 excludes pre-existing conditions; Plan 2 may cover eligible stable conditions
Claims penalty
Benefits may be limited to 80% and a maximum CAD $25,000 when the Assistance Company is not contacted
Available plan options
Base
Core hospital, medical, prescription and emergency travel benefits.
- Ward hospital room
- Prescription maximum CAD $500
- Paramedical CAD $300 per profession
- Dental pain relief CAD $300
- Flight accident CAD $50,000
Extended Care
Raises several benefit limits and adds travel and family-support benefits.
- Semi-private hospital room
- Prescription maximum CAD $1,000
- Paramedical CAD $500 per profession
- Dental pain relief CAD $500
- Bedside, meals and child-return benefits
Comprehensive Care
Includes Extended Care benefits plus maternity and acute mental-health benefits.
- Available below age 70
- Maternity up to CAD $10,000
- Psychiatric or psychological CAD $1,000
- Flight accident CAD $100,000
- Annual wellness benefits
Plan comparison
| Benefit | Base | Extended | Comprehensive |
|---|---|---|---|
| Hospital room | Ward | Semi-private | Semi-private |
| Prescription drugs | CAD $500 per prescription | CAD $1,000 per prescription | CAD $1,000 per prescription |
| Paramedical | CAD $300 per profession | CAD $500 per profession | CAD $500 per profession |
| Accidental dental | CAD $3,000 | CAD $3,000 | CAD $3,000 |
| Dental pain relief | CAD $300 | CAD $500 | CAD $500 |
| Maternity | Not included | Not included | Up to CAD $10,000 |
| Psychiatric or psychological | Not included | Not included | Up to CAD $1,000 |
| Flight accident | CAD $50,000 | CAD $50,000 | CAD $100,000 |
Benefit summary
| Benefit | Maximum or coverage | Important condition |
|---|---|---|
| Emergency medical | Eligible expenses up to the selected sum insured | Medical necessity and exclusions apply |
| Private-duty nurse | Up to CAD $5,000 | In lieu of hospitalization and approved |
| Medical appliances | Up to CAD $5,000 | Minor appliances and wheelchair rental |
| Return of remains | Benefit depends on the selected tier | Extended and Comprehensive have higher cremation or burial limits |
| AD&D | Up to CAD $50,000 | Covered-loss schedule applies |
Who is eligible?
- Visitors, workers, students and new immigrants without government health coverage
- At least 15 days old and less than 90 years old
- Comprehensive Care requires the applicant to be under age 70
- Not travelling against medical advice
- No terminal illness
- No new or undiagnosed symptoms
- No assistance required with activities of daily living
Pre-existing conditions and medical history
- Plan 1 excludes every pre-existing medical condition.
- Under Plan 2, applicants up to age 74 require 90 days of stability.
- Applicants age 75–84 require 180 days of stability.
- Older applicants must satisfy the medical-declaration requirements.
- A Yes answer can exclude pre-existing-condition coverage.
Medical questionnaire and application guidance
Who completes the medical declaration?
Plan 2 applicants in the older age band must satisfy the policy medical-declaration requirements and answer all questions accurately.
Waiting period and stability guidance
- A 48-hour sickness waiting period applies when purchased within 30 days after departure from the country of origin.
- An eight-day sickness waiting period applies when purchased later.
- Injury during the applicable waiting period may be limited to 50% of eligible expenses.
- The waiting period may be waived for qualifying continuous TravCare coverage.
Claims and emergency assistance
- Contact the Assistance Company before treatment.
- Submit the completed claim form.
- Provide original itemized bills, prescription receipts and travel evidence.
- Submit proof within 90 days of service.
Refunds and administration fees
- A full refund may be available before the effective date, less applicable fees.
- A prorated refund may be considered after early return or government-health-plan eligibility.
- Requests must generally be submitted in writing within 60 days.
- No refund is issued when the amount is less than CAD $20.
Important exclusions and limitations
- Excluded or unstable pre-existing conditions
- Non-emergency, elective or cosmetic treatment
- Ongoing and chronic care
- Treatment in the country of origin
- Specified hazardous sports and activities
- Specified pregnancy and childbirth expenses outside Comprehensive Care
- War, terrorism, illegal acts and substance-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 TravCare benefit tiers?
Base, Extended Care and Comprehensive Care.
How is pre-existing coverage selected?
Plan 1 excludes pre-existing conditions; Plan 2 may cover eligible stable conditions subject to age and medical requirements.
Who can buy Comprehensive Care?
Eligible applicants under age 70.
What is unique about Comprehensive Care?
It adds maternity, psychiatric or psychological benefits and a higher flight-accident maximum.
Who handles claims?
Epic Health Solutions handles emergency assistance and claims.
Compare TravCare before purchasing
Compare the plan, coverage amount, deductible, medical-history requirements, waiting periods, payment arrangement and premium.