PREMIUM RATE CARD
Effective January 2023
VISITORS TO CANADA INSURANCE Version V10
Maximum Coverage Period: 1) Coverage is available for up to 365 days under one policy (730 days is available if purchasing under the
Monthly Payment Plan). 2) For age 86 and over, coverage is available for the Basic Plan only.
“Extra Injury Coverage” Additional $50,000 of coverage with the $100,000 option on the Standard or Enhanced Plans: When the applicant
purchases the $100,000 Aggregate Policy Limit on the Standard or Enhanced Plans, a bonus $50,000 of additional coverage is automatically
included for eligible expenses incurred as a result of an injury.
$25,000 Accidental Death & Dismemberment: In addition to the selected Aggregate Policy Limit (APL), $25,000 Accidental Death and
Dismemberment coverage is automatically included for ALL applicants when they purchase the Standard or Enhanced Plans (Accidental
Death & Dismemberment is not included in the Basic Plan).
Table 1 - ENHANCED PLAN RATES
All rates include coverage for pre-existing conditions that are stable in the 180 days prior to the Effective Date - $0 Deductible
Is a Medical No Medical Declaration Required Medical Declaration Is Required
Declaration Required?
Up to 25 Age 26 Age 35 Age 40 Age 55 Age 60 Age 65 Age 70 Age 75 Age 80 Age 86
Aggregate Policy Limit years of Age to 34 to 39 to 54 to 59 to 64 to 69 to 74 to 79 to 85 and over
$15,000 $2.48 $2.68 $2.80 $2.97 $3.24 $4.06 $4.75 $7.02 $8.32 $11.56 n/a
$25,000 $2.65 $2.86 $2.92 $3.38 $3.46 $4.48 $5.29 $7.78 $9.50 $13.50 n/a
$50,000 $2.97 $3.22 $3.24 $3.86 $4.02 $5.45 $6.23 $9.54 $12.52 $15.89 n/a
$100,000 $3.97 $4.26 $4.54 $5.56 $5.89 $7.02 $8.35 $11.99 $14.90 $18.63 n/a
$150,000 $4.64 $5.18 $5.40 $6.64 $7.07 $8.32 $9.61 $13.39 $16.55 $24.04 n/a
$200,000 $6.26 $6.94 $7.10 $8.62 $9.19 $9.94 $11.77 $19.01 $21.60 $30.24 n/a
Age means each applicant’s age on the Effective Date of the policy.
Table 2 - STANDARD PLAN RATES
All rates exclude coverage for pre-existing conditions that existed in the 180 days prior to the Effective Date - $0 Deductible
Is a Medical No Medical Declaration Required
Declaration Required?
Up to 25 Age 26 Age 35 Age 40 Age 55 Age 60 Age 65 Age 70 Age 75 Age 80 Age 86
Aggregate Policy Limit years of Age to 34 to 39 to 54 to 59 to 64 to 69 to 74 to 79 to 85 and over
$15,000 $2.42 $2.61 $2.73 $2.76 $2.78 $3.24 $3.78 $5.94 $7.34 $9.90 n/a
$25,000 $2.58 $2.79 $2.84 $3.11 $3.14 $4.00 $4.59 $6.37 $7.56 $11.45 n/a
$50,000 $2.90 $3.14 $3.16 $3.55 $3.58 $4.71 $5.51 $8.42 $10.75 $12.96 n/a
$100,000 $3.88 $4.15 $4.42 $5.01 $5.02 $5.67 $7.13 $10.21 $12.91 $14.86 n/a
$150,000 $4.53 $5.05 $5.27 $6.11 $6.16 $6.91 $7.99 $11.88 $14.85 $21.15 n/a
$200,000 $6.11 $6.77 $6.92 $7.41 $7.48 $7.88 $9.29 $15.23 $17.71 $24.84 n/a
Age means each applicant’s age on the Effective Date of the policy.
Table 3 - BASIC PLAN RATES
All rates exclude coverage for pre-existing conditions that existed prior to the Effective Date - $0 Deductible
Is a Medical No Medical Declaration Required
Declaration Required?
Up to 25 Age 26 Age 35 Age 40 Age 55 Age 60 Age 65 Age 70 Age 75 Age 80 Age 86
Aggregate Policy Limit years of Age to 34 to 39 to 54 to 59 to 64 to 69 to 74 to 79 to 85 and over
$15,000 $1.50 $1.60 $1.70 $1.80 $2.00 $2.50 $2.90 $4.25 $5.00 $6.90 $10.00
$25,000 $1.60 $1.70 $1.80 $2.00 $2.15 $2.80 $3.25 $4.75 $5.50 $7.95 $12.50
$50,000 $1.75 $1.85 $2.00 $2.30 $2.48 $3.35 $3.85 $5.70 $7.30 $9.30 $13.50
$100,000 $2.30 $2.58 $2.75 $3.35 $3.65 $4.30 $5.05 $7.20 $8.90 $10.80 $14.50
$150,000 $2.75 $3.15 $3.30 $4.05 $4.35 $5.10 $5.90 $8.25 $10.25 $14.50 $18.00
$200,000 $3.75 $4.30 $4.40 $5.25 $5.65 $6.25 $7.50 $12.00 $13.50 $18.85 $25.00
Age means each applicant’s age on the Effective Date of the policy.
Deductible Options: See reverse side.
Family Rates: Charge 2x the oldest applicant’s total premium. A “family” is defined as a maximum of two parent(s) or legal guardian(s) plus their
unmarried children under age 22 dependent on them for their sole means of support and visiting Canada with them. List all “family” applicants
on the application and ALL APPLICANTS must select the same Plan.
Travel Companion Savings of 5% applies to each applicant travelling together on the same policy. Travel Companion Savings cannot be applied
to Family Rates.
Minimum Policy Premium is $25.00. Displayed premiums are per person per day, and are subject to change without notice.
Form VRC2301
PREMIUM RATE CARD
Effective January 2023
VISITORS TO CANADA INSURANCE Version V10
RATE TABLE GUIDE (V10)
Medical Declaration Coverage for Stable Normal Deductible
Plan* Age Available to Premium Table
Required? Pre-existing Conditions Amount
Age 0 to 54 No Yes Table 1 $0
Enhanced
Age 55 to 85 Yes Yes Table 1 $0
Standard Age 0 to 85 No No Table 2 $0
Basic All Ages No No Table 3 $0
For 730 day policies (Monthly Payment Plan only), a premium surcharge applies for: age 0 to 69 = 3.1%, age 70 to 85 = 4.1%, age 86 and over = 5.1%
*Family Rates are available on all Plans. List all “family” applicants on the application and ALL APPLICANTS must select the same Plan.
Deductible Amount Options (Apply the appropriate discount below to the daily rate in the table on the reverse)
Deductible Amount Option Surcharge or
Plan Availablity Available to Age Comments
(CDN dollars) Discount to Apply
$0 All Plans Use Rate Table All Ages
$100 All Plans -5% All Ages
$250 All Plans -10% All Ages
$500 All Plans -15% All Ages
$1,000 All Plans -20% All Ages
$2,500 (Disappearing) Standard & Enhanced -30% for $25,000 APL Up to Age 85 Per person, per sickness claim
$2,500 (Disappearing) Standard & Enhanced -25% for $50,000 APL Up to Age 85 Per person, per sickness claim
$2,500 (Disappearing) Standard & Enhanced -20% for $100,000 APL Up to Age 85 Per person, per sickness claim
$5,000 All Plans -35% All Ages
$10,000 All Plans -40% All Ages
All deductibles on the Enhanced and Standard Plans except for the Disappearing Deductible are per person per policy (applies per year on the 2 year policy).
The Disappearing Deductible is per person, per sickness-related claim.
All deductibles on the Basic Plan are per person, per claim.
What is the Disappearing Deductible option? The disappearing deductible option is available to any applicant who purchases an Aggregate
Policy Limit (APL) of $25,000, $50,000, or $100,000 on the Standard or Enhanced Plans. A $2,500 deductible applies to each sickness-
related claim when eligible expenses are $2,500 or less. When eligible expenses for a sickness-related claim exceed $2,500, the deductible
amount is waived (“disappears”) and eligible expenses will be reimbursed from the first dollar.
For injury-related claims, the deductible is waived for applicants who purchase the Disappearing Deductible option.
How do I qualify for the Monthly Payment Plan (MPP)? To qualify for the Monthly Payment Plan the applicant must purchase a policy with
an APL of $100,000, $150,000 or $200,000 for 365 days (730 days is also available under the Monthly Payment Plan).
For all applicants purchasing the Standard Plan or Basic Plan pre-existing medical conditions are NOT covered.
Form VRC2301
