Trustone Health Hospital Medical Care Visitors Insurance Review

Trustone Health Medical Care Visitors Insurance

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 Health Standout Features

Trustone Advantages & Disadvantages

   Advantages

• 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.
• Trip breaks are permitted for travellers who need to return home quickly without cancelling and repurchasing policies.
• Deductible applies once per insured per policy coverage period, not per claim.
• Offers companion and returning customer discounts.
• Trustone Health has monthly plans available for Super Visa applicants.
• 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

   Disadvantages

• Trustone Health policies have limited secondary benefits.
• 5-day waiting period on sickness and injury benefits if purchased after arrival in Canada. 
• Coverage for travel outside Canada is not available on HMC visitor policies.
• The standard stability period for pre-existing conditions is 365 days.
• Higher admin fee for cancellations.

Frequently Asked Questions

how  Age Availability

Q: What is Trustone's visitor policy age limit?

A:

Trustone Visitors to Canada Plans

Less than or equal to 89 years old

Show Stable Pre-existing Medical Conditions

Q: Do Trustone Health's Visitors to Canada plans cover stable pre-existing medical conditions?

A: Yes! Multiple Trustone Health Visitor-to-Canada plans cover stable pre-existing medical conditions, including monthly plans for Super Visa applicants. Generate a quote on the left side of this page to check stability requirements.

Show Cost

Q: How do Trustone Visitors to Canada Plans cost compare to other BestQuote visitor policies?  

A: We created a bar chart to show you how some of Trustone's Visitors to Canada Plans cost 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 3 of Trustone's Visitors to Canada plans 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.

Please note: the Trustone (Stable Pre-ex - Medical Questionnaire) plan is not available at age 25 or 40.