TruStone Visitors to Canada Insurance Review
In 2025, Ingle Assurance was purchased by TruStone Financial Inc., a leading Canadian managing general insurance agency (and a subsidiary of Empire Life Insurance Company). The 'Hospital Medical Care' HMC insurance policy for visitors to Canada is administered by TruStone Health (a tradename of TruStone Financial Inc.) and underwritten by Empire Life Insurance Company. This policy is less well-known compared to other brands, but is competitively priced for the visitors to Canada market.
Trustone is popular with Visitors to Canada and Super Visa applicants of all ages.
TruStone Standout Features
Nurse or Attendant
Up to $10,000 in coverage for private duty nursing. (Visitors to Canada Plan)
Emergency Air Return Home
Up to $25,000 in coverage if you need to return home via airplane due to a medical emergency. (Visitors to Canada Plans)
Dental Accident
Cover up to $5,000 in case of dental accidents. (Visitors to Canada Plans)
TruStone Advantages and Disadvantages
| Advantages | Disadvantages |
|---|---|
TruStone Health policies are priced competitively for policies with
or without pre-existing conditions coverage. The Trustone Visitors
Policy (No Pre-ex), in particular, is one of the most competitively priced visitors to Canada plans for all ages. | TruStone Health policies have limited secondary benefits. |
Trip breaks are permitted for travellers who need to return home quickly without cancelling and repurchasing policies. | 5-day waiting period on sickness and injury benefits if purchased after arrival in Canada. |
Deductible applies once per insured per policy coverage period, not per claim. | Coverage for travel outside Canada is not available on HMC visitor policies. |
Offers companion and returning customer discounts. | The standard stability period for pre-existing conditions is 365 days. |
TruStone Health has monthly plans available for Super Visa applicants. | Higher admin fee for cancellations. |
Some high-quality secondary benefits compared to other visitors to Canada plans:
- Hospital Incidentals (Telephone, TV)
- Nurse or Attendant
- Emergency Air Return Home
- Follow-up Visits |
