Insurance plans
THE BROKER ADVANTAGE : CHOOSE THE PLAN YOU NEED AT THE RIGHT PRICE Allianz Expatriates to Canada
Notice: Allianz’s Canadian Expatriate plan IS NO LONGER offering coverage for Covid-19. Please contact us for info.
Planning to live or work in another country? Allianz Expatriates plan is an ideal plan for people working and living abroad looking for more than emergency medical coverage and who don’t have or will need to cancel their provincial medical coverage. If you do have access to your provincial medical coverage than please contact us to inquire about our long term travel insurance plans or youth adventure plan.
THE INSURANCE BROKER ADVANTAGE: CHOOSE THE RIGHT PLAN AT THE BEST RATE! Canadian Expatriates
Please note that depending on the government notices in effect, certain restrictions may apply to the coverage of COVID-19. Contact us for more information.
The Canadian Expatriate Plan is ideal for individuals who are working and living abroad for an extended period of time, and who need to notify and cancel the Quebec (RAMQ) or provincial health insurance plan. For other options, contact our team for the Young Travellers or Extended Travel Insurance options.
It is possible to maintain coverage upon return while waiting for the file to be reactivated with the Quebec (RAMQ) or provincial health insurance plan.
Allianz Expatriates to Canada
Destination Insurance Coverage for Canadian Expats
Rate
Age limits
15 days to 69 years old
15 days to 69 years old
Coverage
Standard Option : $ 100,000
Enhanced Option : $ 500,000
Deluxe Option : $ 2,000,000
$ 1,000,000
Length of contract
Minimum 1 month / Maximum 12 months
Minimum 12 weeks / Maximum 52 consecutives weeks
When to Apply?
1. Before leaving your province
2. After leaving your province: 48-hour waiting period
1. Before leaving your province
2. After leaving your province: 48-hour waiting period
Pre-existing Medical Condition & Stability Exclusions
Standard Option : NO coverage for any pre-existing medical condition.
Enhanced and deluxe options : 365 days before the effective date of the policy
Any condition (except for a minor ailment) for which you sought or received exists prior to becoming insured medical treatment, advice, follow-up visits, counseling, or has taken prescription drugs within one hundred and eighty (180) days prior to becoming insured under this policy. Such condition shall be covered when subsequently a continuous period of not less than three hundred and sixty-five (365) consecutive days has passed during which time you have not sought or received medical treatment, advice, follow-up visits, counseling, nor has taken prescription drugs related to such condition.
Eligibility Requirements
Have to meet the criterias
Must meet to apply
Medical Questionnaire
Standard Option : not required – Guaranteed Issue
Enhanced and deluxe options: basic medical questionnaire required and if necessary medical underwriting (allow 2 to 5 days delay)
Not required - guaranteed issued
Side-Trips
Inclusive of US and Mexico Covers worldwide travel (unless there is a non-travel notice)
Exclusive of US and Mexico Covers worldwide travel (unless there is a non-travel notice) except the United States and Mexico (except for in-transit)
Exclusive of US covers worldwide travel less US (except for in-transit)
Inclusive of US and Mexico Covers worldwide travel.
Emergency Benefits (read policies for specifics)
Hospital & physician bills (up to amount)
Emergency Medical (including follow-up visits)
Prescription drugs (the less of up to 90 days or $10,000)
Emergency and Ambulance transportation (up to amount)
Bringing someone to your bedside (up to $3000)
Meals, hotel, phone calls & taxi (up to $1500)
Repatriation of remains (up to $10,000)
Evacuation to home residence (up to $3,000)
Eye examination (1 per 12 month period)
Physical examination (1 per 12 months period)
Vaccins ($100 per 12 months period)
Up to $10,000 CAD per person for out-patient services
Emergency Medical
Hospital & physician bills
Emergency and Ambulance transportation
Bringing someone to your bedside (3000 $ max)
Repatriation of remains (10,000 $ max)
Emergency Medical Evacuation (25 000 $ max)
Maternity related benefits
Standard Option: up to $5,000
Enhanced Option: up to $10,000
Deluxe Option: up to $25,000
(Pregnancy must begin at the earliest a month after purchase of plan!)
Complicated Maternity ($5,000 max)
(Only payable if birth is 10 months after the effective date)
Paramedical services
Chiropractor, chiropodist, podiatrist, physiotherapist, naturopath, or acupuncturist
Standard Option: up to $500 per specialist
Enhanced Option: up to $1,000 per specialist
Deluxe Option: up to $2,000 per specialist
Chiropractor, physiotherapist, osteopath, podiatrist or acupuncturist
Up to $500 CAD per profession, per injury or sickness
Dental services
Standard Option: $3,000
Enhanced or Deluxe Option: $5,000
Emergency Dental Treatment
Accidental Death and Dismemberment
See brochure or policy wording for amounts
None
Allianz Expatriates to Canada
Age limits
15 days to 69 years old
Coverage
Standard Option : $ 100 000
Enhanced Option : $ 500 000
Deluxe Option : $ 2 000 000
Length of contract
Minimum 1 month / Maximum 12 months
When to Apply?
1. Before leaving your province
2. After leaving your province: 48-hour waiting period
Pre-existing Medical Condition & Stability Exclusions
Standard Option : NO coverage for any pre-existing medical condition.
Enhanced and deluxe options : 365 days before the effective date of the policy
Eligibility Requirements
Have to meet the criterias
Medical Questionnaire
Standard Option : not required – Guaranteed Issue
Enhanced and deluxe options: basic medical questionnaire required and if necessary medical underwriting (allow 2 to 5 days delay)
Side-Trips
Inclusive of US and Mexico Covers worldwide travel (unless there is a non-travel notice)
Exclusive of US and Mexico Covers worldwide travel (unless there is a non-travel notice) except the United States and Mexico (a plane stopover is permitted)
Emergency Benefits (read policies for specifics)
Hospital & physician bills (up to amount)
Emergency Medical (including follow-up visits)
Prescription drugs (the less of up to 90 days or $10,000)
Emergency and Ambulance transportation (up to amount)
Bringing someone to your bedside (up to $3000)
Meals, hotel, phone calls & taxi (up to $1500)
Repatriation of remains (up to $10,000)
Evacuation to home residence (up to $3,000)
Eye examination (1 per 12 month period)
Physical examination (1 per 12 months period)
Vaccins ($100 per 12 months period)
Maternity related benefits
Standard Option: up to $5,000
Enhanced Option: up to $10,000
Deluxe Option: up to $25,000
(Pregnancy must begin at the earliest a month after purchase of plan!)
Paramedical services
Chiropractor, chiropodist, podiatrist, physiotherapist, naturopath, or acupuncturist
Standard Option: up to $500 per profession
Enhanced Option: up to $1,000 per profession
Deluxe Option: up to $2,000 per profession
Dental services
Standard Option: $3,000
Enhanced or Deluxe Option: $5,000
Accidental Death and Dismemberment
See brochure or policy wording for amounts
Documentation
Destination Insurance Coverage for Canadian Expats
Age limits
15 days to 69 years old
Coverage
$ 1,000,000
Length of contract
Minimum 12 weeks / Maximum 52 consecutives weeks
When to Apply?
1. Before leaving your province
2. After leaving your province: 48-hour waiting period
Pre-existing Medical Condition & Stability Exclusions
Any condition (except for a minor ailment) for which you sought or received exists prior to becoming insured medical treatment, advice, follow-up visits, counseling, or has taken prescription drugs within one hundred and eighty (180) days prior to becoming insured under this policy. Such condition shall be covered when subsequently a continuous period of not less than three hundred and sixty-five (365) consecutive days has passed during which time you have not sought or received medical treatment, advice, follow-up visits, counseling, nor has taken prescription drugs related to such condition.
Eligibility Requirements
Must meet to apply
Medical Questionnaire
Not required - guaranteed issued
Side-Trips
Exclusive of US covers worldwide travel less US (except for in-transit)
Inclusive of US and Mexico Covers worldwide travel.
Emergency Benefits (read policies for specifics)
Up to $10,000 CAD per person for out-patient services
Emergency Medical
Hospital & physician bills
Emergency and Ambulance transportation
Bringing someone to your bedside (3000 $ max)
Repatriation of remains (10,000 $ max)
Emergency Medical Evacuation (25 000 $ max)
Maternity related benefits
Complicated Maternity ($5,000 max)
(Only payable if birth is 10 months after the effective date)
Paramedical services
Chiropractor, physiotherapist, osteopath, podiatrist or acupuncturist
Up to $500 CAD per profession, per injury or sickness
Dental services
Emergency Dental Treatment
Accidental Death and Dismemberment
None
Documentation