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Visitors to Canada Insurance

We've enhanced your health care coverage by increasing some coverage limits. Highlights include:

  • Hospital Allowance: Increased to $75 per day
  • Child Care: Increased to $500 per day
  • Stable pre-existing conditions are now covered up to age 69 in base plan
  • Optional coverage for stable pre-existing conditions is available for ages 70-79


Coverage Purchased Before June 13, 2017

Coverage Purchased on or After June 13, 2017

Visitors to Canada Insurance


Palliative Care


New Eligibility Requirement
You are not receiving palliative care or palliative care must not have been recommended.


Fracture Treatment

Covers up to a maximum of $1,000 for expenses related to fractures.

New Feature
Splints are now also covered.

Hospital Allowance

Covers up to $50 per day to a maximum of $3,000 for incidental hospital charges.

Benefit Limit Increase
Covers up to $75 per day up to the policy limit for incidental hospital charges.

Child Care

Included in the Out of Pocket benefit.

New Separate Benefit for Child Care
Covers up to $500 per day to a maximum of $5,000.


Pre-existing Conditions

Coverage is not available for any pre-existing conditions.

Pre-existing conditions are covered as follows:

59 Years and Under
• 90-day stability required prior to the effective date or arrival date in Canada – whichever occurs later

60 to 69 Years
• 180-day stability required prior to the effective date or arrival date in Canada – whichever occurs later

70 to 79 Years
• Pre-existing conditions are not covered; however, a Visitors Stable Pre-existing Condition optional coverage is available. Refer to the Optional Coverages section for more details.

80 Years and Over
• Pre-existing conditions are not covered.

Palliative Care


New Exclusion
A trip that is undertaken while receiving palliative care or after palliative care has been recommended.

Travel Advisories & Travel Warnings


New Exclusion
When a travel advisory or travel warning is issued by Global Affairs Canada or Public Health Agency of Canada, any sickness or injury caused by the reason for the advisory or warning is excluded.

Emergency Air Transportation


New Exclusion
Expenses incurred for emergency air transportation when the emergency air transportation is not arranged by Claims at TuGo are excluded.


Visitors to Canada Plan Refunds

Refund requests must be submitted within 30 days. For partial refund requests, a minimum of 30 days must be unused on the policy.

Refund requests must be submitted within 1 year. For partial refunds, there is no longer a minimum of unused days required.

Optional Coverage

Visitors Pre-existing Condition Coverage


New Optional Coverage

Visitors Pre-existing Condition Coverage

Covers up to the sum insured for stable pre-existing conditions for insureds 70 to 79 years as follows:

70-79 Years
• 90-day stability required prior to the effective date or arrival date in Canada - whichever occurs later

If you have questions or would like to make a change to your policy, please call or visit your local BCAA Service Location.

  • Review a printer-friendly version of the full-list of changes to your policy
  • Download your updated policy wording booklet
  • Receive a wording booklet by mail

Insurance is sold through BCAA Insurance Agency. The language in this document may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TravelGold is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd., d.b.a. TuGo, a licensed insurance broker in British Columbia. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.