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Insurer guide · Updated October 2026

TravCare visitors and Super Visa insurance: three tiers, and which one fits

Base, Extended Care or Comprehensive Care, each with or without pre-existing cover. The tier decides your hospital room and most benefit limits.

The first thing to choose with TravCare is the tier, not the price. Base is the cheapest but pays for a ward bed and caps prescriptions at $500. Extended Care adds a semi-private room and the family benefits most people expect. Comprehensive is for visitors under 70 who want maternity and mental-health cover too.

By Pankaj Bhatia, CHS, PFAUpdated
Find my TravCare planCompare the tiers

In short

TravCare offers Base, Extended Care and Comprehensive Care for visitors 15 days to under 90 (Comprehensive under 70), with claims by Epic Health Solutions. Plan 2 covers stable pre-existing conditions: 90 days of stability up to 74, 180 days at 75–84. Bought after leaving home, sickness waits 48 hours (within 30 days) or 8 days. Monthly payments need about 65 days of premium plus $50 up front. Call assistance before treatment, or claims may be capped at 80% and $25,000.

Which TravCare plan fits?

Enter the visitor's age and health; see which tiers and options apply.

A planning aid based on TravCare's published terms. The policy wording and medical declaration decide coverage.

TravCare Base, Extended Care and Comprehensive Care compared

Maximums per insured person. The wording on your policy governs.

Base (Essential)Extended CareComprehensive Care
Hospital roomWardSemi-privateSemi-private
Coverage amounts$25,000 / $50,000 / $100,000From $25,000; $100,000+ for Super VisaFrom $25,000; $100,000+ for Super Visa
Prescriptions$500 per prescription$1,000 per prescription$1,000 per prescription
Paramedical$300 per profession$500 per profession$500 per profession
Accidental dental / dental pain$3,000 / $300$3,000 / $500$3,000 / $500
Private duty nurseUp to $5,000Up to $5,000Up to $5,000
Follow-up visits333
Cremation or burial in Canada$2,500$5,000$5,000
Meals and accommodation—$150/day to $3,000$150/day to $3,000
Hospital allowance—$50/day to $500$50/day to $500
Bedside visit, return of children—IncludedIncluded
Maternity——Up to $10,000
Psychiatric or psychological——Up to $1,000
Flight accident$50,000$50,000$100,000
Who can buy15 days to under 9015 days to under 9015 days to under 70
1

Eligibility

Legally in Canada, no government health plan, not travelling against medical advice, no terminal illness, no new or undiagnosed symptoms, no help needed with daily living.

2

Pre-existing (Plan 2)

Stable 90 days up to 74; 180 days at 75–84 with an accurate medical declaration. Plan 1 covers none.

3

Waiting period

Bought after departure: 48 hours for sickness within 30 days, 8 days later. Injuries in that time may be paid at 50%.

4

Length

Up to one year per policy, and no more than two consecutive years.

Making a TravCare claim

1. Call first. Epic Health Solutions: 1-844-879-8379 (Canada and USA) or +1-416-285-1722 collect, email assist@epicamericas.com. Without the call, benefits may be limited to 80% of eligible expenses, to $25,000.

2. Keep everything. Original itemized bills, prescription receipts, the discharge summary and proof of travel dates.

3. Send the claim within 90 days of the treatment, with the completed claim form.

Need help? Pankaj helps his clients with claim forms and follow-up.

Refunds

Before start
Full refund, less any fee
Early return
Pro-rated, if no claim
Health card starts
Pro-rated, if no claim
Deadline
In writing within 60 days
Not refunded
Days in the home country; amounts under $20

Compare TravCare with insurers you can buy online

Press Buy online to go to the insurer's secure page, or compare them all in one quote.

TravCare questions

What is TravCare insurance?

TravCare sells visitors to Canada and Super Visa insurance in three tiers: Base (Essential), Extended Care and Comprehensive Care. Emergency assistance and claims are handled by Epic Health Solutions.

Each tier can be bought without pre-existing cover (Plan 1) or with cover for stable pre-existing conditions (Plan 2). The insurer is named on your confirmation of insurance.

What is the difference between Base, Extended and Comprehensive?

Base pays for a ward room and has lower limits for prescriptions and paramedical care. Extended moves to a semi-private room and higher limits and adds bedside, meals and hospital-allowance benefits. Comprehensive adds maternity and psychological care.

Comprehensive is only for applicants under 70. See the plan comparison.

Does TravCare cover pre-existing conditions?

Yes, with Plan 2. A condition must be stable for 90 days up to age 74, and 180 days from 75 to 84, with the medical declaration answered accurately.

Plan 1 covers no pre-existing conditions. A "yes" on the medical declaration can remove pre-existing cover.

Does TravCare meet Super Visa requirements?

Yes, with at least $100,000 of coverage for 365 days from the date of entry.

The policy can be paid in full or monthly with a deposit.

Can I pay TravCare monthly?

Yes. The deposit is about 65 days of premium plus a one-time $50 setup fee, then monthly payments.

Compare with other insurers on our monthly payment plans page.

Is there a waiting period?

Only if bought after your visitor has left home: 48 hours for sickness within 30 days of departure, 8 days later.

Injuries during the waiting period may be paid at 50%. Continuous TravCare coverage can waive the waiting period.

How do I make a TravCare claim?

Call Epic Health Solutions before treatment: 1-844-879-8379 from Canada and the USA, or +1-416-285-1722 collect. Then send the claim form with original itemized bills within 90 days.

If you do not call first, benefits may be limited to 80% of eligible expenses, to a maximum of $25,000.

What is TravCare's refund policy?

Full refund before the effective date, less any applicable fee. A pro-rated refund may be paid after an early return home or when government health coverage starts, if no claim was made.

Ask in writing within 60 days. Refunds under $20 are not paid, and days spent in the home country during the policy are not refunded.

Pankaj Bhatia, CHS, PFA

Written by Pankaj Bhatia, CHS, PFA

Insure In Canada Inc. · Licensed in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia

Pankaj sells TravCare and helps families choose the right tier and pre-existing option, then stays on hand for claims and refunds.

Call 647-640-2222 · WhatsApp · About Pankaj

Sources and related pages

  • TravCare policy wordings and summary of benefits (Base/Essential, Extended Care, Comprehensive Care)
  • TravCare
  • IRCC: Super Visa

Summary only. The application, confirmation and issued policy wording govern coverage.