What is Travelance insurance?
Compare Travelance Essential and Premier plans, including benefit differences, stable pre-existing-condition rules, waiting periods, monthly-payment fees, claims and refunds.
Underwriter: Old Republic Insurance Company of Canada
Administrator or claims provider: Old Republic Canada
Maximum duration
Extensions cannot exceed 558 days from the original start date
Monthly billing fee
CAD $100 non-refundable
Waiting periods
24 hours for injury and either 48 hours or seven days for sickness when coverage starts after departure
Available plan options
Essential
Emergency medical insurance with lower prescription, dental, follow-up and travel-support limits.
- Prescription drugs CAD $1,000
- Follow-up visits CAD $3,000
- Accidental dental CAD $2,000
- Dental pain relief CAD $300
- Return of remains CAD $10,000
Premier
Higher medical, dental, repatriation and travel-support limits.
- Prescription drugs CAD $10,000
- Follow-up visits CAD $5,000
- Accidental dental CAD $5,000
- Dental pain relief CAD $600
- Return of remains CAD $16,000
Plan comparison
| Benefit | Essential | Premier |
|---|---|---|
| Prescription drugs | Up to CAD $1,000 | Up to CAD $10,000 |
| Follow-up visits | Up to CAD $3,000 | Up to CAD $5,000 |
| Accidental dental | Up to CAD $2,000 | Up to CAD $5,000 |
| Dental pain relief | Up to CAD $300 | Up to CAD $600 |
| Paramedical | CAD $300 per practitioner | CAD $750 per practitioner |
| Return of remains | Up to CAD $10,000 | Up to CAD $16,000 |
| Burial or cremation | Up to CAD $4,000 | Up to CAD $6,000 |
| Meals and accommodation | Up to CAD $3,000 | Up to CAD $5,000 |
| Incidental expenses | Up to CAD $500 | Up to CAD $800 |
Benefit summary
| Benefit | Maximum or coverage | Important condition |
|---|---|---|
| Emergency medical | Up to the selected policy limit | Eligible sudden and unforeseen emergencies |
| Emergency return home | Included | Policy and approval requirements apply |
| Visit to bedside | Included | Hospitalization and approval conditions apply |
| Return or escort of dependants | Included | Eligible economy transportation |
| Travel assistance | Included | Medical, travel, legal and translation support |
| AD&D | Premier up to CAD $100,000 | Covered-loss schedule applies |
Who is eligible?
- Over 14 days old and under 86 years old
- Not advised against travel by a physician
- No surgically untreated aneurysm
- No listed serious cancer, dialysis, transplant, heart-failure or terminal-illness disqualification
- Not residing in a care facility
- No assistance required with daily activities, except the stated child exception
- No disqualifying recent oral-steroid or home-oxygen use
Pre-existing conditions and medical history
- Pre-existing conditions generally require 180 days of stability.
- Applicants age 70–79 are subject to additional heart, brain and lung restrictions.
- At age 80 or older, pre-existing conditions occurring during the preceding 180 days are excluded.
- Treatment during a temporary home-country return can exclude related claims after returning to Canada.
Medical questionnaire and application guidance
What medical issues affect eligibility?
The application considers listed cancers, aneurysm, dialysis, transplant, heart failure, terminal illness, care-facility residence, daily-living assistance, oral steroids and home oxygen.
Waiting period and stability guidance
- A 24-hour waiting period applies to injury when coverage starts after departure.
- A 48-hour sickness waiting period applies when coverage starts within 30 days after departure.
- A seven-day sickness waiting period applies when coverage starts more than 30 days after departure.
- The waiting period may be waived for qualifying continuous Travelance coverage.
Monthly-payment information
- The monthly-payment option has a CAD $100 non-refundable billing fee.
- The issued billing schedule and payment agreement govern.
- Missed payments can affect coverage.
Claims and emergency assistance
- Contact emergency assistance before hospital admission or within 24 hours after a life- or organ-threatening emergency.
- Submit the claim online or using the required claim form.
- Provide original receipts and the attending physician’s diagnosis.
- Submit proof within the policy deadlines.
Refunds and administration fees
- A 10-day right to examine may allow a full refund before coverage starts.
- No fee generally applies for visa denial or ineligibility before the start date.
- A CAD $250 fee may apply to certain cancellations before departure.
- A CAD $50 fee may apply after an early return or government-plan eligibility.
- A CAD $250 file-handling fee may apply when a submitted claim is withdrawn.
Important exclusions and limitations
- Excluded or unstable pre-existing conditions
- Non-emergency and elective treatment
- Mental or emotional disorders except as specifically covered
- Pregnancy and childbirth expenses
- Adventure and professional sports
- Alcohol, drugs, self-inflicted injury and illegal acts
- War, terrorism and specified travel-advisory losses
Frequently asked questions
All answers remain openly displayed in the HTML for users, search engines, voice assistants and AI search systems.
What is the difference between Essential and Premier?
Premier has higher prescription, follow-up, dental, paramedical, repatriation, meal and incidental-expense limits.
What is the stability period?
Pre-existing conditions generally require 180 days of stability.
What is the waiting period?
When purchased after departure, injury has a 24-hour waiting period and sickness has either a 48-hour or seven-day waiting period.
How long can coverage continue?
Extensions cannot exceed 558 days from the original start date.
Does the monthly option have a fee?
Yes. A CAD $100 non-refundable billing fee applies.
Compare Travelance before purchasing
Compare the plan, coverage amount, deductible, medical-history requirements, waiting periods, payment arrangement and premium.