Independent insurer guide · Updated October 2026
TruStone Health visitors & Super Visa insurance: benefits, fees and claims
Emergency medical cover from $10,000 to $200,000 for visitors, Super Visa parents and new immigrants, underwritten by Empire Life. Buy online or compare quotes below.
The TruStone Health Visitors, Super Visa and Immigrants to Canada plan pays for emergency care in Canada, often directly to the hospital. Here are its benefit limits, who can apply, the 5-day waiting period, monthly payments, the full schedule of fees, refunds and how to claim, plus tools to find a fee and estimate a late-notice claim cut.
The short answer
TruStone Health offers a Visitors, Super Visa and Immigrants to Canada emergency medical plan underwritten by Empire Life, with 24/7 assistance and claims by Trident Global Assistance. It covers ages 15 days to 89, with coverage of $10,000 to $200,000, for up to 365 days in total. Stable, fully disclosed pre-existing conditions can be covered under the policy's stability rules. If you buy after arriving, sickness in the first 5 days isn't covered. Coverage applies only in Canada, monthly payments are available ($50 setup), and refunds and changes follow a published fee schedule.
Who can buy TruStone Health insurance
One plan for visitors and newcomers. You choose the coverage amount and how to pay.
Who can apply
- Visitors to Canada and Super Visa applicants or holders
- New immigrants waiting for provincial health coverage
- Returning Canadian citizens or permanent residents not yet covered
- Aged at least 15 days and under 90
- Not eligible for provincial or government health insurance
Who can't apply
- Anyone with a terminal illness, or travelling to get treatment
- Anyone needing help with daily living
- Certain severe pre-existing or chronic conditions, or a recent major hospitalization
- Anyone travelling against a doctor's advice
The application's medical questions decide eligibility. Answer them accurately; misrepresentation can void a claim.
TruStone Health benefits and limits
Emergency hospital, physician and diagnostic costs are paid up to the coverage amount you choose. These benefits have their own limits.
| Benefit | Maximum (CAD) | Important condition |
|---|---|---|
| Hospital and physician services | Up to your coverage amount | Emergency hospitalization, surgery and doctors |
| Prescription drugs | Up to your coverage amount | Emergency prescriptions, up to a 30-day supply |
| Diagnostics and lab tests | Up to your coverage amount | X-rays, lab tests, MRI and ultrasound; major tests need prior approval |
| Ground ambulance | $5,000 | Licensed local ambulance |
| Medical appliances | $5,000 | Wheelchairs, crutches, braces when medically necessary |
| Private-duty nursing | $10,000 | Registered nurse or medical attendant |
| Other practitioners | 50% up to $2,000 | Chiropractor, physiotherapist, podiatrist or acupuncturist, with a doctor's referral |
| Emergency dental | $5,000 | Accidental injury or infection |
| In-hospital expenses | $2,000 | Incidentals such as phone and TV rental |
| Emergency transportation home | $25,000 | Medically necessary return to your home country |
| Return or escort of dependents | $3,500 + $3,000 escort | When the insured is hospitalized |
| Relative to bedside | $2,000 + $100 a day | Transportation, meals and accommodation |
| Return of remains | $10,000 | Or burial or cremation in Canada up to $4,000 |
| Meals and accommodation | $100 a day | When an emergency delays your return home |
Key rules: pre-existing conditions, waiting period and where you're covered
Pre-existing conditions
Covered only if stable under the policy's rules and fully disclosed. Diabetes-related heart and stroke treatment is excluded unless specifically covered.
5-day waiting period
Applies to sickness when bought after arrival, unless you replace other Canadian visitor cover with no gap. Injuries are covered right away.
Canada only
No cover for side trips to other countries, only in Canada and during direct travel to and from Canada.
Up to 365 days
Extensions are possible to a 365-day total if there are no pending claims or new medical conditions.
Follow-up visits
Covered within 30 days of a covered emergency. Routine and chronic care are not covered.
Pays last
If you have another plan, claim there first; TruStone Health pays the eligible balance.
Refunds and fees
- 10-day free look: full refund if coverage hasn't started and there are no claims.
- Leaving early or Super Visa refused: partial refund if there are no claims.
- No refund under $20, or after a claim unless it's withdrawn (with the $200 fee).
| Non-refundable fee | Amount (CAD) |
|---|---|
| Monthly payment plan setup | $50 |
| Declined credit card (each instalment) | $25 |
| Change of effective date (within 2 months) | $50 |
| Change of effective date (after 2 months) | $100 |
| Contract cancellation after arrival | $50 |
| Medical claim withdrawal | $200 |
| Super Visa cancellation before arrival without an official refusal letter | $250 |
TruStone Health fee finder and late-notice calculator
See the fee that applies to a change or cancellation, and how much a claim could be cut if Trident isn't called in time.
What do you need to do?
Results update as you choose.
Your claim
If Trident isn't contacted within 48 hours of a hospital admission, eligible benefits can be cut by 20%, up to $25,000.
Based on the TruStone Health plan summary as reviewed October 2026. Not a refund or claim decision; the policy and insurer decide.
How to claim
- Canada and USA: 1-833-370-8777
- Collect: +1 416-814-7615 · claims@tridentassistance.com
- Call within 24 hours of an emergency, and within 48 hours of a hospital admission
- Send all claim documents within 90 days
- Appeal a denied claim in writing within 30 days
✓Before you buy TruStone Health
- Confirm the traveller is under 90 and has no provincial coverage
- Disclose every condition; check stability with Pankaj
- For a Super Visa: $100,000+ for 365 days
- Buying after arrival? Note the 5-day sickness wait
- No side trips abroad: compare other plans if you need them
- Save Trident's number before you need it
TruStone Health insurance: frequently asked questions
Short answers first, details below.
Who underwrites TruStone Health visitor insurance?
The TruStone Health Visitors, Super Visa and Immigrants to Canada plan is underwritten by Empire Life.
24/7 emergency assistance and claims are handled by Trident Global Assistance, which can often pay hospitals directly.
Is TruStone Health accepted for the Super Visa?
Yes. Super Visa applicants and holders are eligible; choose $100,000 or more of coverage for 365 days.
IRCC accepts payment in full or monthly with a deposit. See Super Visa insurance requirements.
What coverage amounts does TruStone Health offer?
$10,000, $25,000, $50,000, $100,000, $150,000 or $200,000.
For a Super Visa, choose at least $100,000.
What is the age limit?
Applicants must be at least 15 days old and under 90.
Applicants must also not be eligible for provincial health insurance and must meet the plan's health conditions.
Does TruStone Health cover pre-existing conditions?
Only conditions that meet the policy's stability requirements and were fully disclosed on the application.
Unstable or undisclosed conditions are excluded, and cardiovascular or cerebrovascular treatment related to diabetes is excluded unless the policy specifically covers it. Ask Pankaj to check a condition before you buy.
Is there a waiting period?
Yes. If you buy after arriving in Canada, sickness that starts in the first 5 days is not covered.
It does not apply when you replace other Canadian visitor insurance with no gap. Injuries are covered right away.
Can I travel to other countries during coverage?
No. Coverage applies only in Canada and during direct, uninterrupted travel to and from Canada.
If side trips matter, compare plans that allow them in the live quote form.
Can I pay monthly?
Yes, through an approved monthly payment plan, with a $50 non-refundable setup fee.
A declined credit card costs $25 for each missed instalment, so keep the card on file valid.
Can I get a refund?
Yes: a full refund within 10 days of receiving the policy if coverage has not started and there are no claims, and a partial refund if you leave Canada early or the Super Visa is refused.
No refund is processed under $20 or after a claim (unless the claim is withdrawn and the $200 withdrawal fee is paid). Cancelling a Super Visa policy before arrival without an official refusal letter costs $250. Use the fee finder.
How do I make a claim?
Call Trident Global Assistance within 24 hours of the emergency: 1-833-370-8777 from Canada and the U.S., or collect at +1 416-814-7615.
Send all claim documents within 90 days to claims@tridentassistance.com. If you don't call within 48 hours of a hospital admission, benefits can be cut by 20%, up to $25,000.
Are follow-up visits covered?
Yes, when they relate to a covered emergency and happen within 30 days of it.
Routine check-ups, eye exams and ongoing care for chronic conditions are not covered.
Can I extend my coverage?
Yes, up to 365 days in total, if there are no pending claims or new medical conditions.
Apply before your current policy ends so there is no gap.
What if I have other insurance?
TruStone Health pays last. Claim from your other plan first, then claim the eligible balance here.
A denied claim can be reviewed if you write to Trident Global Assistance within 30 days of the decision.
How do I buy TruStone Health insurance online?
Use the Buy TruStone Health online button to open the secure application, or compare it with other insurers in the live quote form.
Answer the medical questions carefully. For help, call or WhatsApp Pankaj Bhatia at 647-640-2222.
About the author: Pankaj Bhatia, CHS, PFA
Licensed insurance & financial advisor · Insure In Canada Inc. · Mississauga & Cambridge, Ontario
Pankaj helps visitors, Super Visa families and new immigrants compare emergency medical insurance. He is licensed for insurance in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia. This page is an independent guide, not published by TruStone Health, Empire Life or Trident Global Assistance.
Buy TruStone Health online or compare it first
Apply on TruStone Health's secure page, compare it with other insurers, or ask Pankaj about a medical condition.
Sources and related pages
- TruStone Health Visitors, Super Visa & Immigrants to Canada plan summary (reviewed October 25, 2026)
- IRCC: Super visa insurance requirements
Independent guide prepared by Pankaj Bhatia through Insure In Canada Inc.; not published by or on behalf of TruStone Health, Empire Life or Trident Global Assistance. A simplified summary only; coverage is subject to the terms, conditions, limitations and exclusions of the issued policy. Product names and marks belong to their owners.