Travelance is a newer brand (since 2013), underwritten by Old Republic Insurance Company of Canada - one of the oldest underwriting teams in Canada. Its Premier Plan covers stable pre-existing conditions (180-day stability) with strong benefit limits; its Essential Plan is a lower-cost, fewer-benefits option. Standouts include coverage for stays up to 558 days (longer than most) and a unique waived-deductible feature. It's a good pick for travellers 69 and under needing pre-existing coverage, but the Premier Plan excludes heart, stroke, and lung conditions for ages 70–79.
Travelance at a Glance
Provider: | Travelance (available since 2013) |
Underwriter: | Old Republic Insurance Company of Canada |
Plans: | Essential Plan (no pre-existing), Premier Plan (stable pre-existing, 180-day) |
Age limit: | Up to 86 (both plans) |
Pre-existing conditions: | Covered on Premier (stable, 180-day); best for travellers 69 and under - not covered for cerebrovascular/cardiovascular/lung conditions at ages 70–79 |
About Travelance
Travelance is a newer insurance brand, available since 2013 and underwritten through Old Republic Insurance Company of Canada - one of the oldest underwriting teams in the country. It offers two Visitors to Canada plans: the Essential Plan, which doesn't cover pre-existing conditions and carries fewer secondary benefits, and the Premier Plan, which covers stable pre-existing conditions (180-day stability) and aims for higher-quality coverage. So while the brand is relatively young, the underwriting is long-established. It's popular with visitors aged 50 to 75 and Super Visa applicants under 59.
Travelance Standout Features
Accidental Death & Dismemberment
Coverage for up to the plan limit selected to a maximum of $100,000. (Premier Plan)
Air Flight Accident
Coverage for up to the plan limit selected to a maximum of $100,000. (Premier Plan)
Travel to Other Countries
Coverage on travel outside of Canada for a maximum of 45 days. The time you spend in Canada must be greater than the duration of any side trips. (Essential & Premier Plan)
Travelance Advantages & Disadvantages
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).
| Advantages | Disadvantages |
|---|---|
Both plans are available for up to 558 days, longer than most other companies. | 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. |
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. | 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. |
Some Premier Plan benefit limits are high compared to other visitor plans, such as:
- Travel to Other Countries
- Accidental Death & Dismemberment
- Return of Deceased | 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. |
Travelance for Super Visa
Travelance is popular with Super Visa applicants under 59, where its Premier Plan - stable pre-existing coverage with strong benefit limits - is a good fit, and its up-to-558-day length comfortably covers a Super Visa year. It meets the IRCC Super Visa requirements ($100,000 minimum, one-year validity). Two things to weigh: the Premier Plan's 70–79 exclusion for heart, brain, and lung conditions (relevant for older applicants), and the higher fees ($50 refund / $250 cancellation without a visa denial letter). Compare Travelance's Super Visa pricing on our Super Visa insurance rates page.
Travelance for Pre-Existing Conditions
Travelance's Premier Plan covers stable pre-existing medical conditions with a 180-day stability period, and it's a strong choice for travellers 69 and under who need that coverage. The key limitation: for ages 70–79, the Premier Plan will not cover pre-existing conditions that are cerebrovascular (brain), cardiovascular (heart), or lung related. If you're in your 70s managing one of those conditions, a plan with more accommodating wording may suit you better. The Essential Plan drops pre-existing coverage entirely for a lower price. Compare Travelance's rules against other insurers on our visitors to Canada pre-existing conditions page.
Who Is Travelance Best For?
Travellers 69 and under who need pre-existing coverage - the Premier Plan is built for them.
Very long stays - coverage up to 558 days beats most competitors.
Budget-conscious buyers who don't need pre-existing coverage - the Essential Plan can be one of the lower-cost options at some ages.
Anyone who values the waived-deductible safety net on a longer hospital stay.
It's a weaker fit for travellers aged 70–79 with heart, brain, or lung conditions (Premier won't cover them), buyers who want the fullest secondary benefits on a budget (the Essential Plan strips several), or anyone sensitive to higher cancellation/refund fees.
How to Get a Travelance Quote
Compare Travelance against every other insurer available through BestQuote in a single quote - enter your trip details in the tool on this page to see Travelance's real price for your age, plan, and coverage next to the alternatives, then buy online and get your documents by email. Insurance rates are regulated, so you pay the same price through BestQuote as buying direct, and as your broker we work for you at no extra cost. Questions? Call 1-888-888-0510.
