Rates
Please check our rates below.
What is Destination Expatriate Health Insurance?
A comprehensive package of worldwide health care insurance benefits for the Canadian Expatriate.
Who is eligible?
Canadians, under age 70, living, working or studying outside of Canada.
Destination Expatriate Health Insurance must always be applied for and purchased before departure from Canada. Additionally, when renewing an existing policy, coverage must always be purchased before expiry of prior coverage.
Why purchase Destination
- Direct deposit of claim payments into designated bank accounts in any of 110 different currencies.
- Practical, secure and easy to use on-line services to locate hospitals and doctors, request benefit pre-authorization and direct payment to hospitals, access to claim forms and claims status verification.
Destination as a student health insurance solution
Most travel insurance plans only cover medical emergencies and repatriate you home when continued care is required. This is not ideal while living and studying in the United States or abroad. Destination Expatriate Health Insurance is for services provided while living, travelling and studying out of Canada. You will not have to leave your studies behind! Call and ask for more details regarding Destination as a competitively priced health insurance solution for students abroad.
As an Expat, you have unique benefit needs
Destination provides comprehensive health and travel insurance benefit solutions for expatriates.
When preparing for time abroad, there are many issues for both you and your family to consider. Deciding on health insurance is just one of them. Viator™ gives you the confidence that comes from knowing you have made the right choice.
PLAN HIGHLIGHT
- Up to $1,000,000 CAD of comprehensive medical protection.
- Individual benefit maximums are replenished for each new medical condition.
- Second opinion for surgery.
- Transportation to the nearest centre of medical excellence.
- Re-entry into Canada is facilitated with provincial plan replacement coverage for up to 90 days, subject to limitations and restrictions.
BENEFIT SUMMARY
| Benefit | Limit | Description (per insured person per injury or sickness) |
|---|---|---|
| In-patient hospital benefit | 100% | Up to semi-private room accommodation |
| Paramedical services | $500 per profession | Chiropractor, physiotherapist, osteopath, podiatrist or acupuncturist |
| Nursing at home | $10,000 | Up to 12 weeks |
| Ambulance charges | 100% | Costs for ambulance to hospital |
| Out-patient services | $10,000 | Includes prescription drugs and durable equipment |
| Emergency dental treatment | $5,000 | Accidental blow to the mouth |
| Repatriation or local burial | $10,000 | Repatriation back to Canada or to your country of residence abroad in the event of death |
| Emergency medical evacuation | 100% | Cost of licensed air ambulance service |
| Compassionate emergency travel | $3,000 | Single round-trip economy airfare for one family member, including up to $150 per day for meals and accommodations |
| Parent accompanying child | 100% | Costs for a parent to stay in hospital with insured child under 15 years of age |
| Complicated maternity | $5,000 | Includes reasonable and customary costs for hospital and medical expenses incurred for pre-natal care, childbirth and post-natal care treatment when diagnosed as a complicated pregnancy |
All amounts indicated are in Canadian currency, unless indicated otherwise.
This page is an illustration only. It is not an insurance policy. For the complete terms, benefits, conditions and exclusions please see the Insurance Policy PDF file >>
Worldwide coverage: EXCLUDING USA
All premium and deductible amounts are expressed in Canadian dollars and are subject to change without notice.
| AGE | 12 months | 9 months | 6 months | 90 days* |
|---|---|---|---|---|
| 15 days – 17 years | $ | $ | $ | $ |
| 18 yrs – 29 yrs | $ | $ | $ | $ |
| 30 yrs – 39 yrs | $ | $ | $ | $ |
| 40 yrs – 44 yrs | $ | $ | $ | $ |
| 45 yrs – 49 yrs | $ | $ | $ | $ |
| 50 yrs – 54 yrs | $ | $ | $ | $ |
| 55 yrs – 59 yrs | $ | $ | $ | $ |
| 60 yrs – 64 yrs | $ | $ | $ | $ |
| 65 yrs – 69 yrs | $ | $ | $ | $ |
* For Canadian Nationals returning permanently to Canada, and where the insured person has been insured under this policy for a period in excess of 365 days, coverage can be automatically extended for a period of not more than 90 days with an additional charge.
Worldwide coverage: INCLUDING USA
All premium and deductible amounts are expressed in Canadian dollars and are subject to change without notice.
| AGE | 12 months | 9 months | 6 months | 90 days* |
|---|---|---|---|---|
| 15 days – 17 years | $ | $ | $ | $ |
| 18 yrs – 29 yrs | $ | $ | $ | $ |
| 30 yrs – 39 yrs | $ | $ | $ | $ |
| 40 yrs – 44 yrs | $ | $ | $ | $ |
| 45 yrs – 49 yrs | $ | $ | $ | $ |
| 50 yrs – 54 yrs | $ | $ | $ | $ |
| 55 yrs – 59 yrs | $ | $ | $ | $ |
| 60 yrs – 64 yrs | $ | $ | $ | $ |
| 65 yrs – 69 yrs | $ | $ | $ | $ |
* For Canadian Nationals returning permanently to Canada, and where the insured person has been insured under this policy for a period in excess of 365 days, coverage can be automatically extended for a period of not more than 90 days with an additional charge.
Deductible options per insured person, per annum
All premium and deductible amounts are expressed in Canadian dollars and are subject to change without notice.
| NO deductible | Automatic |
|---|---|
| $250 | Subtract from premium |
| $500 | Subtract from premium |
| $1,000 | Subtract from premium |
| $5,000 | Subtract from premium |
Important Notes
- Destination Expatriate Health Insurance must always be applied for and purchased before departure from Canada. Additionally, when renewing an existing policy, coverage must always be purchased before expiry of prior coverage.
- If you are hospitalized, you cannot assume that someone has contacted MSH International on your behalf, it remains your responsibility to ensure that MSH International is contacted within forty-eight (48) hours after admission, or as soon as reasonably possible.
- Coverage is not available for Switzerland, Germany and Abu Dhabi state in the United Arab Emirates.
- Please read the policy wording carefully. There are exclusions, conditions and limitations.
- Insurance Policy PDF file
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- Please call for application