Travelance Visitors Insurance Review

Travelance Visitors to Canada Insurance 

Travelance is a newer insurance brand (available since 2013) underwritten through Old Republic Insurance Company of Canada — one of the oldest underwriting teams in Canada. Travelance offers two different Visitors to Canada plans: their Essential Plan does not cover pre-existing medical conditions and offers fewer secondary benefits than their Premier Plan — which does cover stable pre-existing medical conditions (180-day stability period). 

Travelance Standout Features

Travelance Advantages & Disadvantages

   Advantages

Having two plans, Travelance aims to be 'competitively priced' with the Essential Plan, and sometimes, depending on the policyholder's age, can be one of the lower cost options available. Their Premier Plan aims for 'higher quality coverage' (which can be a good choice for travellers 69 and under needing coverage for stable pre-existing medical conditions). 

• Both plans are available for up to 558 days, longer than most other companies.
• Travelance offers a 'waived deductible' on both plans, which is unique. 
  • Essential Plan: the first $250 of the deductible is waived when hospitalized for 72 consecutive hours.
  • Premier Plan: the first $1,000 of the deductible is waived when hospitalized for 72 consecutive hours.

• Some Premier Plan benefit limits are high compared to other visitor plans, such as:
  • Travel to Other Countries
  • Accidental Death & Dismemberment
  • Return of Deceased

   Disadvantages

• The Essential Plan has limited benefits compared with the Premier Plan. It does not cover expenses related to paramedical services (chiropractor, etc.), meals & accommodation,  transportation of relative or friend, or accidental death and dismemberment; the Premier Plan does offer benefit limits for those type of expenses.
• The Premier Plan will not cover stable pre-existing medical conditions for the ages 70-79 if the conditions are related to cerebrovascular (brain), cardiovascular (heart), or lung conditions.
• Both plans come with certain administration fees. $50 refund fee for all refunds. $250 fee for 'cancellation without visa denial letter'. These are on the higher side of industry averages.

Frequently Asked Questions

how  Age Availability

Q: What are Travelance's visitor policy age limits?

A:

Essential Plan	Up to 86 years old
Premier Plan	Up to 86 years old

Show Stable Pre-existing Medical Conditions

Q: Do Travelance's visitors to Canada plans cover stable pre-existing medical conditions?

A: Yes! The Travelance Visitors to Canada Premier Plan covers stable pre-existing medical conditions. Generate a quote on the left side of this page to check stability requirements.

Show Cost

Q: How do Travelance's Visitors to Canada Plan costs compare to other BestQuote visitor policies?  

A: We created a bar chart to show you how Travelance's Visitors to Canada Plan costs compare to other BestQuote visitor to Canada policies in 4 age categories: 25, 40, 55, and 75.

We compared each policy on December 06, 2023, with the following fixed criteria:

• Visitors to Canada category
• $100,000 coverage
• $0 deductible
• 1-year policy

The bar chart below compares Travelance's Visitors to Canada Essential Plan and Premier Plan against the average cost of all policies available to visitors to Canada in 4 age categories. Each visitor to Canada policy has a rank assigned based on cost. The lowest cost policy is number 1, and 25 is the highest.