Berkley - JF Royal Visitors to Canada





To be eligible for coverage under this plan, the applicant must:

  1. be a visitor to Canada, a person with a Canadian work visa or super visa, an immigrant to Canada or a Canada resident, who is not eligible for a provincial or territorial government health insurance plan in Canada.

  2. be at least 15 days on the date of purchase.

  3. not be traveling against the medical advice of a physician and/or not have been diagnosed with a terminal illness; A terminal illness means that you have a medical condition that is cause for a physician to estimate that you have less than 6 months to live or for which palliative care has been received.

  4. not have a kidney disease requiring dialysis; 

  5. not have Congestive Heart Failure, AIDS or require the use of home oxygen;

  6. not be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention.

Note: Your spouse and/or child(ren) must also meet all the criteria to be eligible for family coverage under this plan.






$1,000,$15,000,$25,000,$50,000,$100,000,$150,000,$200,000 and $300,000 (If the insured purchase the policy for the coverage of $100,000, in the event of an accidental injury, the insurer agrees to pay up to an additional $50,000 for the costs incurred as a result of the injury)


$0,$100,$1000 and $3000, $2500 dispearing deductible under coverage $25,000 and $50,000

Duration of Coverage

two Years

Minimum Premium


Family Plan

2 times the premium of the oldest person if parents's age is under 60

Side Trip

51% time of period in Canada as long as their trip either originates or terminates in Canada

Waiting Period

If age 85 or under, 48 hours waiting period purchasing within 30 days after arrival in Canada and 7 days more than 30 days after arrival in Canada; If age 86 or over, 15 days waiting period purchasing after arrival in Canada.

Stable Pre-existing Conditions

covered for insureds age 69 or younger; covered for insureds age 70-85 if choosing the stable pre-existing condition coverage option


fully refunded before the effective date of the policy. partially refunded (less $40 administration fee) if returing to your country of origin with no claim incurred during your trip.



Medical Benefits Highlights



Hospital Accommodation

Reasonable and customary cost for inpatient and outpatient treatment

Physician Charges

Medical treatment by a physician

Diagnostic Services

Reasonable and customary cost for x-rays and laboratory tests

Private Duty Nursing during Hospitalization

Up to the sum insured

Ambulance Services

when reasonable and medically necessary, licensed ground ambulanceservice to the nearest hospital

Prescription Drugs

30 days supply per prescription unless you're hospitalized

Medical Appliances

cast, splints,trusses,braces,crutches, rental of a wheelchair or other minor medical appliances

Paramedical Services

chiropodist,chiropractor,osteopath,physiotherapist or podiatrist, up to $500 per type of practitioner prescribed by a physician and approved by Ontime Care.


Upt to $500 with a 365-day policy

Treatment of Dental Accident

Up to $3,000

Emergency Relief of Dental Pain

Up to $500

Accidental Death & Dismembement

Up to sum insured , to the maximum of $150,000


Approved in advance by Ontime Care

Prepara and Return of Remains

Up to $10,000



Before going to see doctor, be advised to contact Canada Travel Insurance Online Inc first and we will facilitate your claim process.

If necessary, call Ontime Care Worldwide: 

From Canada ans US, 1-888-988-3268

From anywhere, collect call 1-905-918-0188

The language in this summary may not be the same as the legal and technical terminology found in the official policy wording. In all instances, the official policy wording  will prevail. For complete details, refer to the policy wording, which is available in the attachment of every plan's page in our website.