Travel insurance for Visitors to Canada – HMC / Industrial Alliance

For people 85 years and older, request a quote:

Eligibility

HMC Travel insurance - Eligibility Requirements:

IMPORTANT

Please read the eligibility requirements, pre-existing conditions, and privacy statement carefully, before agreeing to the declaration of the primary insured. If you have any questions or concerns, contact 1-800-607-1920

This plan is for visitors to Canada; Canadians or immigrants who are awaiting coverage under a Canadian government health insurance plan or persons who are in Canada on a work visa or Parent and Grandparent Super Visa.

Under this Plan no benefits are payable for a pre-existing condition that existed prior to your effective date of insurance. 

You are eligible for coverage if on the Effective Date:

1.You are at least 15 days old and You are age 89 or under and not insured or eligible for benefits under a Canadian Government Health Insurance Plan; and

2.You are currently in good health and know of no reason why You would require Treatment during Your Insured Trip; and

3.You are not residing in a nursing home, rest home, convalescent home, rehabilitation centre or home for the aged.

Your coverage starts on the later of:

• the effective date of insurance as shown on your confirmation; or

• the time and date you arrive in Canada from home.

Except for losses resulting from any injury, coverage will begin 5 days after the effective date if you purchase your policy:

• after the expiry date of an existing HMC policy; or

• after you leave home.

PRIVACY

I understand that GCAG/assurancevisiteurs.ca, and Ingle insurance, and Travel Insurance Specialists (TIS) will collect, use, retain, and disclose my personal information to provide me with the requested insurance services and for any other use authorized by me, and/or as required by law. For complete information on your privacy rights, please refer to Privacy Statement.

DECLARATION

I confirm that I have read, understand, and agree to all the terms, conditions, limitations, and exclusions outlined in this declaration and in the policy.

I have been authorized by any other travellers to apply for insurance coverage on their behalf and to confirm their understanding of and agreement to these terms, conditions, limitations, and exclusions.

I declare that I am currently in good health and that the information provided is complete and true to the best of My knowledge. I understand that the Application for Insurance and the Insurance Policy Receipt form part of the Insurance Agreement provided by us.

I acknowledge that if at the time of claim it is discovered that any question is not answered truthfully, accurately, and completely, it will result in the non-payment of any claim and my policy will be null and void and my premium will be refunded.

I acknowledge that my pre-existing conditions are not covered.

I hereby authorize any medical facility, insurance company, organization or person that has any records or knowledge of My health and/or that of My family members, to give to the Insurer and all its authorized representatives, including without limitation the policy administrator, any information regarding My health, medical history, treatment and claim at the time of adjudication or during underwriting.

I specifically authorize the Insurer to coordinate benefits with all other insurance programs that will provide health insurance benefits for me. I further authorize the Insurer to subrogate and claim over against any party that may be liable for benefits or expenses that it has paid on my behalf. A copy or facsimile of this authorization shall be deemed as valid as the original.