Destination Canada Visitors to Canada Insurance Review
Destination Canada, a well-established Ontario travel agent, has used Zurich Insurance Company Ltd (Canadian Branch) to underwrite their Visitors to Canada (VTC) insurance policy and Zurich Travel Assist to administer claims.
Destination Canada is popular with Visitors to Canada of all ages and IEC Visa applicants of all ages.
Destination Canada Standout Features
Available After Arrival
Available for purchase after arriving in Canada, with a 48-hour waiting period for illnesses. (International Student Plan & Visitor to Canada Plan)
Accidental Death & Dismemberment
AD&D insurance coverage for up to the policy limit sum or a maximum of $150,000, whichever is less. (Visitor to Canada Plan)
Mental Health Practitioner
Cover up to $25,000 in-patient; up to $1,000 per year out-patient; up to $500 trauma counselling. (International Student Plan)
Destination Canada Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
The Destination Canada Visitor to Canada plans have good secondary benefits, e.g., follow-up visits after emergency, dental, AD&D, meals and accommodation. | The Destination Canada visitor plans are not well-known, although that should not be a major drawback. The policy has become a popular choice, and BestQuote was one of the first online brokers in Canada to carry this plan. |
Quality secondary benefits on the International Student Plan, e.g., mental health care, vaccination, and maternity benefits | The Visitor to Canada Plan covering stable pre-existing conditions is less competitive at certain ages, e.g., 20s and 50s. |
Most travellers are eligible to purchase this policy. | |
The Visitor to Canada Plans cover stable (120 days) pre-existing medical conditions up to age 79 without the same restrictions as other plans. | |
Trip break permitted — policy does not end if the insured person returns to their home country. | |
Competitive rates for all ages, especially in the 70s — considering the good secondary benefits. | |
The Visitor to Canada Plans have multiple deductible options up to $10,000. Maximum coverage is available in amounts up to $300,000. | |
It does not exclude some sports activities (like backcountry skiing) like some other policies do. |
