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Saturday, April 21st, 2018
Allianz Global Assistance
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Administrated by: Allianz Global Assistance (AGA)
Underwritten by: CUMIS General Insurance Company, a member of The Co-operators group of companies.
24 hours Emergency Assistance Center: AGA Emergency Assistance.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.


  - Maximum Benefits: $100,000; $500,000 and $2,000,000. 
  - Emergency Hospital & Medical Coverage: Up to the amount of insurance purchased for emergency hospital accommodation (private room for Enhanced or Deluxe, semi-private room for Standard) and following medical services: 
  - Physicians, surgeons, anesthetic and registered nurse.
  - Diagnostic Treatments: Lab tests and X-ray examinations ordered by a physician.
  - Ambulance Transportation: Licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary.
  - Medical Appliance: Rental of crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics. 
  - Prescription drugs or medications - 90-day supply, to a maximum of $10,000.
  - Professional Medical Services referred by a physician - care received from a licensed physiotherapist, chiropractor, osteopath, podiatrist, naturopath, or acupuncturist - Standard: up to $500 per profession; Enhanced: up to $1,000 per profession; Deluxe: up to $2,000 per profession.
  - Funeral Expenses: In the event of death from covered condition, up to $10,000 is provided to return the body home, or up to $4,000 for cremation or burial at the place of death. 
  - Accidental Dental: Up to $3,000 (Standard option) or $5,000 (Enhanced or Deluxe option) for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
  - Dental Emergencies: Up to $500 for the immediate relief of acute dental pain, other than provided under Accidental Dental.
  - Act of Terrorism: If you sustain a loss from an act of terrorism that is covered under this plan we will pay up to an aggregate limit in Canadian dollars. 

  - Emergency Transportation: The cost up to the policy limit of air ambulance, one-way economy airfare or stretcher to transport you to your country of origin, and a medical attendant if required, when immediate medical consultation is required following a covered emergency sickness or injury.
  - Return Home: Up to $5,000 for the cost of one-way economy transportation to Canada if the covered sickness or injury necessitates your immediate return home during the period of coverage. This benefit also includes one additional insured family member.
  - Attendant up to $500 for attendant to care for any family members under age 18, or physically or mentally handicapped, if you are hospitalized for 48 hours or more.
  - Accidental Death & Dismemberment: Up to $10,000 - Standard Option; $50,000 - Enhanced Option; $100,000 - Deluxe Option.
  - Bedside Companion: Up to $3,000 for round-trip economy transportation to bring a family member or close friend to your bedside when advised by an attending physician. 

 - Physical Examination: one routine annual examination by a physician after the policy has been in effect for 9 consecutive months (not subject to any deductible). This benefit is limited to one visit in any consecutive 12-month period.
  - Eye Examination (only Enhanced and Deluxe Options) - one routine annual examination by an optometrist (not subject to any deductible). This benefit is available after the first 9 months and it is limited to one visit in any consecutive 12-month period.
 - Vaccinations: Up to $100 annually for vaccinations, after 6 months of continuous coverage. One year coverage must be purchased to qualify for this benefit.
  - Maternity Benefit: When the expected delivery date is more than 10 months after the effective date, AGA will pay 80% of the costs incurred by the mother as the result of pregnancy, childbirth or complications and 80% of the cost for routine new-born nursing care up to 14 days following birth. 
New-borns can be fully covered from 15 days of age following written approval by AGA.
For multiple policies with no lapse in coverage, effective date for this benefit means the effective date of the initial policy purchased.
Maternity benefit is limited to $5,000 for Standard option; $10,000 for Enhanced and $25,000 for Deluxe option.

Enhanced and Deluxe Options: Pre-existing medical conditions are covered for complications, if they have been stable during 365 days immediately before the effective date and a medical questionnaire has been completed and approved by AGA.


To be eligible for coverage you must, as of the effective date be either:
- a Canadian citizen or Canadian resident residing outside of Canada, or
- a Canadian citizen or Canadian resident returning to reside in Canada, provided you were previously insured under an AGA policy with no lapse in coverage; and
- be in good health at the time you purchase your policy. 

Coverage is NOT AVAILABLE to any individual who, as of their effective date:
   a) has been diagnosed with a terminal illness; or
   b) has been diagnosed with or has had an episode of congestive heart failure; or
   c) has had their most recent heart surgery more than 10 years ago; or
   d) has been diagnosed with Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or
   e) has been diagnosed with stage 3 or 4 cancer, or cancer of the lung, liver, pancreas, or bone; or has received treatment for any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) in the past 3 months; or
   f) has had a lung condition for which, in the last 12 months, they have been prescribed or used home oxygen; or
   g) has received or is awaiting a bone marrow or major organ transplant; or
   h) has been diagnosed with or received treatment for kidney disease requiring dialysis; or
   i) has been diagnosed with an aneurysm that has not been repaired; or
   j) requires assistance with activities of daily living.
AGE LIMITS: To be eligible for coverage a person must be at least 15 days old and not more than 69 years old. Maximum period of coverage is 365 days. No coverage after 2 years of uninterrupted coverage under a AGA insurance plan.
WAITING PERIOD For illness: Any sickness for which symptoms occurred 48 hours after the effective date if the policy has been purchased AFTER leaving Canada. No waiting period if the application for this insurance is completed PRIOR you exit Canada or before the expiry date of the existing AGA policy.
PRE-EXISTING CONDITION means a sickness, injury or medical condition, whether or not diagnosed by a physician:
   - for which you exhibited signs or symptoms; or
   - for which you required or received medical consultation; and
   - which existed prior to the effective date of your coverage.
STABILITY PERIOD is the 365 days immediately before the effective date.
STABLE CONDITION means a pre-existing medical condition for which:
   - there has been no new treatment; and
   - there has been no change in treatment or change in treatment frequency or type; and
   - there have been no signs or symptoms or new diagnosis; and 
   - there have been no test results showing deterioration; and
   - there has been no hospitalization; and
   - there has been no referral to a specialist and you are not awaiting surgery or the results of further investigations performed by and medical professional.

The following are considered stable:
   - Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the stability period.
   - Change from a brand name medication to a generic prescribed during the stability period and there is no increase or decrease in dosage.
   - A minor ailment, which describes a sickness or injury during the stability period which ended prior to the effective date and which did not require treatment for a period longer than 15 consecutive days; or more than one follow-up visit to a physician; or hospitalization, surgery, or referral to a specialist.

The following conditions are NOT considered stable:
   - any lung condition for which you were prescribed or are taking prednisone;
   - any heart condition for which you were prescribed or are taking nitroglycerin. 

  - Any sickness or injury where the trip is taken to get medical treatment or advice for such injury or sickness.
  - Loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
  - Any injury or sickness, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
  - Any rehabilitation or convalescent care.
  - Emotional, mental or nervous disorders, except.
  - Any treatment, investigation or hospitalization which is a continuation of or subsequent to, emergency treatment of a sickness or injury, unless approved in advance by AGA.
  - Motor sports and speed contests, stunt activities.
  - High-risk activities and professional sports – any skiing out of bounds, heliskiing, ski jumping, skydiving, sky-surfing, scuba diving (except if certified), white water rafting (except grades 1 to 4), street luge, skeleton, rodeo and mountaineering (that requires special equipment).
  - Any loss incurred when, prior to the effective date, the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country.
  - Act of war, kidnapping, act of terrorism caused directly or indirectly by nuclear, chemical or biological means; riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities or a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention or any statutory law or regulation in the area where the loss occurred by the insured, a family member or travelling companion.


- To apply for benefits, complete the claim form and include all original bills. Incomplete forms will cause delay.
- Claims must be reported within 30 days of occurrence.
- Written proof of claim must be submitted within 60 days of occurrence.
- For Accidental Death & Dismemberment Benefits include also: 1. Police report; 2. Coroner's report; 3. Death certificate.
Allianz Global Assistance Claims Department 
2100-250 Yonge Street
Toronto ON, Canada M5B 2L7

AGA Emergency Assistance and claims personnel are available to help you 24 hours a day, 7 days a week. AGA's experienced multilingual staff verifies coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed.
Call AGA Emergency Assistance or have someone call on your behalf as soon as possible.


Are the premiums refundable?
Refunds are payable:
  - 100% if the policy is cancelled before the effective date of the policy.
  - After the effective date of the policy are possible partial cancellations in case the insured becomes insured under a Canadian provincial health care. Refunds for partial cancellations will be calculated by multiplying the monthly premium by the actual number of months the policy was in effect. This amount is then subtracted from the total premium paid. The refund will be calculated based on the date the refund request is received by our office.

Are there age limits?
Coverage is available for persons from 15 days to 69 years.

I want to stay longer. Can I extend my coverage?
Yes, you can subject to policy terms and conditions. Just call your agent or AGA prior to the expiry of your policy. You must be in good health and not have incurred any losses with AGA. Each policy or period of coverage is considered a separate contract and all limitations and exclusions will apply.

Are there any discounts?
Yes. There are optional deductibles for premium savings:
$500 deductible........................savings 5%
$1,000 deductible.....................savings 10%
$5,000 deductible.....................savings 30%

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.


Standard Option
  USA/Mexico Non-USA/Non-Mexico
Sum Insured $100,000 CAD $100,000 CAD
Age Premium per month - CAD
0-39 $107 $61
40-44 $168 $96
45-49 $208 $119
50-54 $258 $147
55-59 $308 $176
60-64 $398 $228
65-69 $561 $321


Enhanced Option
  USA/Mexico Non-USA/Non-Mexico
Sum Insured $500,000 CAD $500,000 CAD
Age Premium per month - CAD
0-39 $123 $70
40-44 $194 $111
45-49 $239 $136
50-54 $297 $170
55-59 $355 $203
60-64 $458 $262
65-69 $645 $369
Deluxe Option
  USA/Mexico Non-USA/Non-Mexico
Sum Insured $2,000,000 CAD $2,000,000 CAD
Age Premium per month - CAD
0-39 $139 $79
40-44 $219 $125
45-49 $270 $154
50-54 $335 $192
55-59 $401 $229
60-64 $518 $296
65-69 $729 $417















   - You must complete Medical Questionnaire and get approval from AGA except when you have selected: Standard Option. 
   - All options offer coverage worldwide except options excluding Non-USA/Non-Mexico which covers transit through the U.S.A. and Mexico for up to 5 days while travel to and from Canada.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.


Allianz Expatriate POLICY PDF

Allianz Expatriate CLAIM FORM PDF

Allianz Global Expatriate BROCHURE PDF

Please, CONTACT US for more information or to apply for AGA Expatriate Plan

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