Trustone Canada Insurance Plan: Comprehensive Guide
Trustone Health Super Visa, Visitors & Immigrants to Canada Insurance Plan
Welcome to your complete guide to the Trustone Health Visitors, Super Visa, and Immigrants to Canada Emergency Medical Insurance Plan (underwritten by Empire Life). Whether you are a tourist, Super Visa holder, new immigrant, or returning Canadian citizen, this guide covers plan benefits, coverage options, and emergency medical protection available during your stay in Canada.
1. Benefit Summary
This emergency medical insurance plan provides comprehensive protection for visitors and newcomers to Canada. In most emergency situations, direct payment to hospitals is available, helping reduce out-of-pocket expenses.
Coverage Options
Key Benefits At A Glance
| Benefit Category | Coverage Details & Limits (CAD) |
|---|---|
| Hospital & Physician Services | Up to your selected policy limit for emergency hospitalization, surgery, and physician services. |
| Prescription Medication | Emergency prescriptions up to a 30-day supply or your maximum policy limit. |
| Diagnostics & Lab Services | Covers X-rays, laboratory tests, MRI scans, and ultrasounds (prior approval required for major diagnostics). |
| Ambulance Services | Up to $5,000 for licensed local ground ambulance transportation. |
| Medical Appliances | Up to $5,000 for wheelchairs, crutches, braces, or other medically necessary equipment. |
| Private Duty Nursing | Up to $10,000 for registered nursing or medical attendant services. |
| Other Practitioners | 50% reimbursement up to $2,000 for chiropractor, physiotherapist, podiatrist, or acupuncturist following physician referral. |
| Dental Emergency | Up to $5,000 for emergency dental treatment due to accidental injury or infection. |
| In-Hospital Expenses | Up to $2,000 for incidental hospital expenses including telephone and television rental. |
| Emergency Transportation Home | Up to $25,000 for medically necessary evacuation to your home country. |
| Return / Escort of Dependents | Up to $3,500 for dependent transportation plus up to $3,000 for caregiver escort. |
| Relative to Bedside | Transportation up to $2,000 plus $100/day for meals and accommodation. |
| Repatriation / Return of Remains | Up to $10,000 for return of remains or up to $4,000 for burial or cremation in Canada. |
| Meals & Accommodation | Up to $100/day when an emergency delays your scheduled return home. |
2. Eligibility: Who Can Apply?
To qualify for enrollment under this insurance plan, applicants must satisfy the following criteria:
Government Health Insurance
You must not be eligible for standard Canadian provincial or government health insurance.
Status
You must be a visitor to Canada, Super Visa applicant/holder, new immigrant, or returning Canadian citizen/permanent resident.
Age Limits
Applicants must be at least 15 days old and under 90 years of age.
Health Status
Applicants must not have certain severe pre-existing medical conditions, recent major hospitalization, terminal illness, require daily living assistance, or specific severe chronic illnesses.
3. Key Exclusions: What Is Not Covered?
Understanding exclusions helps ensure your claims are processed smoothly. The following situations are not covered under the policy.
Pre-Existing Conditions
Unstable, undisclosed, or non-stable pre-existing medical conditions. Diabetes-related cardiovascular or cerebrovascular treatment is excluded unless specifically covered.
Routine & Elective Care
Routine check-ups, chronic condition monitoring, cosmetic procedures, vaccinations, and non-emergency medical investigations.
Travel for Treatment
Travelling against medical advice, travelling with a terminal prognosis, or travelling specifically to obtain medical treatment in Canada.
Pregnancy & Childbirth
Routine prenatal care, childbirth, miscarriage, pregnancy-related complications, and congenital illness in children under two years.
Mental Health & Substance Abuse
Psychological disorders, psychiatric treatment, emotional conditions, alcohol intoxication, drug abuse, or medication misuse.
High-Risk Activities
Professional sports, racing, skydiving, hang gliding, bungee jumping, extreme fighting, or uncertified scuba diving.
Geographic Limits
Incidents occurring outside Canada (except direct transit). A 5-day waiting period applies for illness coverage if insurance is purchased after arriving in Canada.
Other Exclusions
Vision care, hearing aids, routine dental care, naturopathic services, rehabilitation facilities, spas, war, civil disorder, fraud, and misrepresentation.
4. Refund Policy & Non-Refundable Administration Fees
Refund Guidelines
10-Day Free Look
Cancel within 10 days of receiving your policy for a full refund if coverage has not started and no claims have been submitted.
Early Departure
Partial refunds are available if you leave Canada early or your Super Visa is officially refused, provided no claims exist.
Minimum Refund
Refund requests below $20 will not be processed.
Claim Conflicts
Refunds are unavailable once a claim has been filed unless the claim is withdrawn and the required withdrawal fee is paid.
Schedule of Non-Refundable Administration Fees
| Administration Fee | Amount (CAD) |
|---|---|
| Monthly Payment Plan Setup | $50 |
| Declined Credit Card (Per Installment) | $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 Official Refusal Letter) | $250 |
5. Master FAQ: Frequently Asked Questions
Benefits & Coverage
Q: Are routine medical check-ups or eye exams covered?
A: No. This plan only covers unexpected emergencies and medically necessary treatments. Routine dental, vision, and general health exams are not covered.
Q: Can I visit other countries during my coverage period?
A: No. Coverage applies only within Canada and during direct, uninterrupted travel to and from Canada.
Q: Are medical follow-up visits covered?
A: Yes. Follow-up visits related to a covered emergency are eligible if completed within 30 days of the initial incident.
Eligibility & Pre-Existing Conditions
Q: Can I get coverage if I have a pre-existing condition like high blood pressure?
A: Yes, only if the condition meets the policy's stability requirements and was fully disclosed during your application.
Q: What happens if my health changes after I apply but before the policy starts?
A: Notify your insurance broker immediately. Changes in health before the effective date may affect eligibility or coverage.
Claims & Assistance
Q: How do I file a medical claim?
A: Contact Trident Global Assistance within 24 hours of the emergency and submit all claim documents within 90 days.
Q: What if I don't call the emergency assistance line?
A: Failure to contact Trident Global Assistance within 48 hours of hospitalization may reduce eligible benefits by 20%, up to a maximum of $25,000.
Q: What if I have another travel insurance policy?
A: This plan is a last-payor policy. Submit claims to your primary insurer first, then claim eligible remaining expenses under this plan.
Q: How do I appeal a denied claim?
A: Submit a written request for claim review to Trident Global Assistance within 30 days of the denial decision.
Policy Extensions & Changes
Q: Can I extend my plan if I stay longer in Canada?
A: Yes. Coverage may be extended up to a total of 365 days, provided there are no pending claims or newly developed medical conditions.
Q: Is there a waiting period if I buy insurance after arriving in Canada?
A: Yes. A 5-day waiting period applies to sickness-related emergencies unless you had overlapping Canadian travel insurance before switching.
How to Apply
Get a Personalized Quote
Contact your insurance broker or visit www.PankajBhatia.ca.
Complete the Application
Provide your personal information and complete the medical questionnaire accurately, if required based on your age.
Choose Coverage & Pay
Select your preferred coverage amount ($10,000 to $200,000 CAD) and pay in full or through an approved monthly payment plan.
Review Your Documents
Receive your policy receipt and insurance contract. Carefully review all terms and conditions before your travel date.
24/7 Emergency Claims & Support
1-833-370-8777
+1 416-814-7615
Disclaimer
This guide is provided for educational and marketing purposes only. It is a simplified summary and does not constitute an insurance contract, legal advice, or financial advice. Coverage is subject to the terms, conditions, limitations, and exclusions contained in the official policy issued by the insurer. Always refer to your policy wording for complete and legally binding details.