Travel Shield Visitors to Canada Insurance Review
Travel Shield is a newer travel insurance brand founded in 2015 by Amaninder Bharj, owner of Mars Empire Group Inc. (doing business as Travel Shield Canada Insurance Plan Brokers). Travel Shield policies are underwritten by Berkley Canada, a Canadian subsidiary of W.R. Berkley Corporation. W.R. Berkley Corporation is an American property and casualty insurance provider. Travel Shield Starr policies are issued by Starr Insurance & Reinsurance Limited, an insurance and investment company.
Travel Shield is most popular with Visitors to Canada aged between 59 and 75, and Super Visa applicants aged under 75.
Travel Shield Standout Features
Hospital Incidentals (Telephone, TV)
$150 per day to max $1,500 (Starr Plans, Plan 1 & Plan 2)
Return of Vehicle
$1,000 (Starr Plans, Plan 1 & Plan 2)
Deductible
Up to $10,000 (Starr Plans, Plan 1, Plan 2, Plan A & Plan B)
Travel Shield Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
Travel Shield Plan B covers expenses related to stable (180 days) pre-existing medical conditions for travellers up to age 80. | None of their plans cover cerebrovascular, cardiovascular, or lung conditions for travellers in their 70s. |
Flexible with deductible options, all the way up to $10,000. | A signature is required upon application, which must be returned by fax or scan/email. |
Travel Shield's no pre-existing conditions policies have a lower premium than most similar policies, especially at ages 55, 65, 70, 75 and 80. | Only available in certain provinces (BC, AB, SK, MB and ON). |
Travel Shield Plan A is similar to Plan B, except that it excludes coverage of any pre-existing medical conditions. | Higher early return fee ($50) and cancellation fee ($250). |
Some Travel Shield policies offer a unique benefit not offered in many other visitors to Canada policies: a Return of Vehicle benefit. | All Travel Shield policies have a long waiting period of 15 days for older travellers who have already arrived in Canada. The 15-day waiting period applies to the following ages:
- Age 86+ (Travel Shield Plan 1, Plan 2, and Travel Shield Starr plans)
- Age 81-90 (Travel Shield Plan A & Plan B) |
