Travel Insurance Products Comparison

Comparison on the features of different Medical Insurances for Visitors to Canada

 

Comparison on the features of different Medical Insurances for Visitors to Canada 
     
Visitor to Canada   
BenefitJF Optimum Visitor (TIC)JF Canada Visitor(GMS)Manulife21st CenturyT.I.C
 Pre-existing coverageFor age 79 and under, Yes. If stable 120 days before effective dateFor age 79 and under, Yes. If stable 120 days before effective dateUnder Plan B, benefits are payable for a pre-existing condition that is stable within 180 days of the effective date.For age 85 and under, Yes. If stable 180 days before effective date (NOTE: age over 59 needs to fill out the medical questionnire in order to cover stable chornic condition)Sickness, injury or medical condition requires no medical consultaion, prescription medication, medical treatment or hospitalization within 180 days preceding the effective date
Waiting periodFor age 85 or under, purchase anytime after arrival, 48 hours waiting period; Age 86 and over, 15 days waiting period. If you purchased this policy 183 days or more after your arrival in Canada, there is a 7 days waiting period. For age 85 or under, purchase anytime after arrival, 48 hours waiting period; Age 86 and over, 15 days waiting period48-hour period following and including your effective date of insurance if you purchase your policy: • after the expiry date of an existing Manulife Visitor to Canada policy; or • after you arrive in Canada. For age 85 and under, if purchase within 30 days of arrival, 72 hours waiting period; if purchase after 30days, 7 days waiting; For age 86 and older, 15 days waiting 48 hours waiting period
DeductibleAge 85 and under, $0/$50 deductible; Age 86 and above, $500 per cover tripAge 85 and under, $0/$50 deductible; Age 86 and above, $500 per cover trip
$0、$75、$500、
$1000、$2500 and $5000
Age 85 and under, $0 deductible with 5% surcharge; $50 deductible per policy per insured; $250 deductible with 10% off per policy per insured;
Age 86 and above, $500 deductible per policy per insured
$50 deductible per claim;
5% savings for $100 deductible;
10% savings for $250 deductible
Air flight & AD&DCover Air flight accident up to sum insuredCover Air flight accident up to sum insuredUp tp $50,000$10,000 AD&DAD&D up to sum insured
Medical questionnaireNo medical questionnaire requiredNo medical questionnaire requiredPlan B with age 40 and aboveAge 70-85, if require pre-existing covered; or age 86 and aboveAge 70-79,requires and approved in writing by TIC; age 80 or over, requires and approved in writing by TIC
Visitor to Canada   
BenefitJF Optimum Visitor (TIC)JF Canada Visitor(GMS)Manulife21st CenturyT.I.C
Travel outside of canadaCover anywhere traveling except own country, provided more than 50% time in CanadaCover anywhere traveling except own country, provided more than 50% time in CanadaThis insurance provides coverage while travelling outside Canada (excluding your country of origin), as long as your side-trip originates and terminates in Canada and does not exceed the lesser of: 30 days per policy or 49% of your total number of coverage days as stated on your confirmation.Cover anywhere traveling except own country, provided more than 50% time in CanadaCover anywhere traveling except own country, provided more than 50% time in Canada
CancellationNo charge before effective date; $25 after; net amount less than $10 will not be refundNo charge before effective date; $20 after; net amount less than $10 will not be refundno fee$25$10 for full refund; $25 for partial refund; Net amount less than $10 will not be refund
Follow up visitUp to $3,000No specified limitNo specified limitNo specified limitUp to 3 follow-up visits
Minimum Premium$25$20$25$25$25
Claimaround 4-6 weeks processingaround 4-6 weeks processing4-6 weeks processingRequest physician signatureRequest physician signature and report
Special featuresCover Acupuncture up to $500 purchase 1 year policy; Caculate premium base on application date not effective dateCover Acupuncture up to $500 purchase 1 year policy; Caculate premium base on application date not effective dateN/AAcupuncture when received a written medical referral from a "Physician";N/A
ExtensionIf no claim, process online within 7 days before policy expires; if have claim, call to extend, subject to approvalMax coverage period 365 days up to age 85 inclusively and 180 days for persons age 86 years old or older. Extension must be approval.Process online anytimeProcess online anytimeProcess online if there is no previous claim