Canadian Expatriate Insurance

How to Apply

Hospital & Medical Insurance for Canadians abroad and returning Canadians.

Step 1 . If you apply for Standard Option($100,000) coverage, pleas fill out the application and e-mail/fax back to us.
No pre-existing conditions are covered.

Step 2. If you apply for Enhanced ($500,000) or Deluxe ($2,000,000) option, pleas fill out the applicationand also the basic medical questionnaire as supplement, then e-mail/fax back to us.

Step 3. If you are eligible for the coverage (Section 1) and answer “Yes and Stop”(Section 2) to any of the basic medical questions, then please also fill out the detailed medical questionnaire, and e-mail/fax back to us.

If you have any questions, please contact us.

Extended stays abroad are meant to be enjoyed.

But if an unexpected medical emergency should happen, know that you’re protected with Canadian Expatriates travel insurance.

Why buy Canadian Expatriates travel insurance?

We know that with extended stays outside of Canada, government health care plans don’t travel with you, and only take effect again a few months after you return. Canadian Expatriates travel insurance from the experts at Allianz Global Assistance bridges gaps in coverage during these times. Be sure to carry travel insurance to safeguard your finances and stay protected in a medical emergency.

Ideal for Canadian Citizens and Residents:

  • Working and living abroad looking for more than emergency medical coverage
  • Wanting to continue their Allianz Global Assistance medical coverage when they return to Canada

Features and Benefits

  • Up to $2 million in emergency and extended health care benefits
  • 24/7 emergency assistance anywhere in the world
  • Comprehensive protection against unexpected costs due to sickness or injury while travelling for extended periods
  • Continued coverage when you return home until your government health insurance plan takes effect
  • Standard, Enhanced and Deluxe options help you get the right level of coverage for your needs
  • Coverage available for maternity and new-born care
  • Emergency return home for Canadian government travel advisories
  • Easy-to-understand eligibility requirements
  • No mandatory underwriting on the Standard option

Summary of Benefits

Hospital & Medical Benefits
sum insured
Accidental Death & Dismemberment
sum insured
Common Carrier
sum insured
Standard Option: $100,000Standard Option: $10,000Standard Option: $20,000
Enhanced Option: $500,000Enhanced Option: $50,000Enhanced Option: $100,000
Deluxe Option: $2,000,000Deluxe Option: $100,000Deluxe Option: $100,000
Ambulance Servicesup to sum insured
Attendantup to $500
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
Cremation at place of death$4,000
Dental (accident)Standard Option: $3,000
Enhanced or Deluxe Option: $5,000
Emergency Transportationup to sum insured
Eye Examinationone per 12-month period
Hospital and medical servicesup to sum insured
MaternityStandard Option: up to $5,000
Enhanced Option: up to $10,000
Deluxe Option: up to $25,000
Physical Examinationone per year
Prescription Medicationup to a 90-day supply to a maximum of $10,000
Return of Deceasedup to $10,000
Return Homeup to $5,000
Transportation of Family or Friendup to $3,000
Vaccinesup to $100 per 12-month period

Eligibility, Limitations and Exclusions

Travel insurance coverage is subject to eligibility, limitations and exclusions. For full details, please consult with your Allianz Global Assistance Travel Insurance representative. For complete terms, benefits, conditions and exclusions, please see the policy document.


Age bandMonthly rateMonthly rate
0 – 39$107$61
40 – 4416896
45 – 49208119
50 – 54258147
55 – 59308176
60 – 64398228
65 – 69561321


Age bandMonthly rateMonthly rate
0 – 39$123$70
40 – 44194111
45 – 49239136
50 – 54297170
55 – 59355203
60 – 64458262
65 – 69645369


Age bandMonthly rateMonthly rate
0 – 39$139$79
40 – 44219125
45 – 49270154
50 – 54335192
55 – 59401229
60 – 64518296
65 – 69729417

Deductible Options for Additional Savings

  • $500 = 5% premium savings
  • $1,000 = 10% premium savings
  • $5,000 = 30% premium savings

A monthly installment payment option is available for 12-month policies and must be charged to a credit card. A 12% administration fee applies. The initial payment will be equal to two months’ premium and subsequent installments will be paid monthly, with no premium due in the last month of coverage.

About Allianz Global Assistance

Allianz Global Assistance is one of the largest travel insurance and assistance services providers in Canada, with offices in Kitchener, Toronto, Montreal and Vancouver. We’re everywhere you go and proud to be part of the world’s largest travel insurance and assistance company, operating in 34 countries around the globe.

In an emergency, our knowledgeable, caring and dedicated assistance team is ready to help at any time, in virtually any language, nearly anywhere in the world. From answering questions to taking care of you during a claim, we’re here to help at every stage of your journey so you can enjoy a worry-free travel experience.

Allianz Global Assistance administers the policy. Allianz Global Assistance is the registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

Underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies.

Important Notes

  • It is important that you read and understand your policy as your coverage may be subject to certain limitations or exclusions.
  • Your insurance contains pre-existing condition exclusions for travellers of any age. These exclusions apply to medical conditions and/or symptoms that existed on or before your departure date or effective date. Check to see how this applies in your coverage and how it relates to your departure date, purchase date and effective date.
  • In the event of an accident, injury or sickness, your prior medical history may be reviewed when a claim is reported.
  • You must notify AGA Emergency Assistance (toll free 1-800-995-1662 or worldwide collect 416-340-0049) prior to receiving any medical consultation, within 24 hours of admission to a hospital and before any surgery is performed. Failure to notify AGA Emergency Assistance as required will delay the processing and payment of your claim and may limit the amount of your claim payment.
  • If you are ineligible for coverage, the insurer’s only liability will be to refund any premium paid. Please check your confirmation of coverage to ensure you have the coverage options you require. Payment will be limited to the coverage options you selected and paid for at the time of application. You will be responsible for any expenses that are not payable by the insurer.
  • If you have a change in your health between the date you apply for coverage and your departure date or the effective date of any extension, you must contact your insurance representative prior to leaving on your trip to fully understand how your change in health affects your coverage under this policy. Failure to do so may limit the amount of your claim payment or result in your claim being denied. If you have been medically underwritten, you will also need to complete a new medical questionnaire.
  • Privacy Policy