Berkley - JF Royal Visitors to Canada

With stable pre-existing medical condition coverage price schedule: 
Without stable pre-existing medical condition coverage price schedule: 
English Note: 

$100 deductible, 5% discont;

$500 deductibe, 15% discount;

$1000 deductible, 20% discount;

$3000 deductible, 30% discount.

$2,500 disappearing deductible: 30% discount applies to $25,000 policy limit only-any age-per person,per sickness;   25% discount applies to $50,000 policy limit only -up  age 85-per person, per sickness.


Berkley-JF Royal Visitors to Canada


To be eligible 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 Canadian resident, who is not eligible for a provincial or
territorial government health insurance plan in Canada;
2. be at least 15 days of age on the date of purchase;
3. not be traveling against the medical advice of a physician and/or 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.