TruStone Health's Hospital Medical Care (HMC) plan - administered by TruStone Financial (formerly Ingle Assurance) and underwritten by Empire Life - is a competitively-priced, lesser-known visitors-to-Canada and Super Visa option. Its no-pre-existing plan is among the cheapest at all ages, it covers up to age 89, permits trip breaks, and offers monthly Super Visa plans. Two things to know before you buy: a long 365-day pre-existing stability period, and no coverage for travel outside Canada.
TruStone at a Glance
Provider: | TruStone Health (tradename of TruStone Financial Inc.; formerly Ingle Assurance, acquired 2025) |
Underwriter: | Empire Life Insurance Company |
Product: | Hospital Medical Care (HMC) Visitors to Canada plan - with and without pre-existing coverage |
Age limit: | Up to 89 years old |
Pre-existing conditions: | Covered on multiple plans (stable) - standard stability period is 365 days |
Super Visa: | Yes - including monthly-payment plans; popular with applicants of all ages |
About TruStone Health
In 2025, Ingle Assurance was purchased by TruStone Financial Inc., a leading Canadian managing general agency and a subsidiary of Empire Life Insurance Company. The Hospital Medical Care (HMC) visitors-to-Canada policy is administered by TruStone Health (a tradename of TruStone Financial) and underwritten by Empire Life. It's a less well-known brand than some, but it's competitively priced for the visitors-to-Canada market - and the Empire Life underwriting means an established Canadian insurer stands behind it. TruStone is popular with visitors and Super Visa applicants of all ages.
TruStone Standout Features
Nurse or Attendant
Up to $10,000 in coverage for private duty nursing. (Visitors to Canada Plan)
Emergency Air Return Home
Up to $25,000 in coverage if you need to return home via airplane due to a medical emergency. (Visitors to Canada Plans)
Dental Accident
Cover up to $5,000 in case of dental accidents. (Visitors to Canada Plans)
TruStone Advantages and Disadvantages
| Advantages | Disadvantages |
|---|---|
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. | TruStone Health policies have limited secondary benefits. |
Trip breaks are permitted for travellers who need to return home quickly without cancelling and repurchasing policies. | 5-day waiting period on sickness and injury benefits if purchased after arrival in Canada. |
Deductible applies once per insured per policy coverage period, not per claim. | Coverage for travel outside Canada is not available on HMC visitor policies. |
Offers companion and returning customer discounts. | The standard stability period for pre-existing conditions is 365 days. |
TruStone Health has monthly plans available for Super Visa applicants. | Higher admin fee for cancellations. |
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 |
TruStone for Super Visa
TruStone is a solid Super Visa insurance option for applicants of all ages, and its standout Super Visa feature is that monthly-payment plans are available - spreading the large upfront cost that Super Visa insurance usually carries. It meets the IRCC Super Visa requirements ($100,000 minimum, one-year validity), covers up to age 89, and its No-Pre-existing plan is among the most competitively priced at every age - a strong fit for healthy applicants. If pre-existing coverage is needed, note the 365-day stability requirement below. Compare TruStone's Super Visa pricing on our Super Visa insurance rates page, or see how monthly payment works on our Super Visa monthly payment page.
TruStone for Pre-Existing Conditions
Multiple TruStone HMC plans cover stable pre-existing medical conditions, but with an important caveat: the standard stability period is 365 days - longer than the 90-, 120-, or 180-day windows many competitors offer. That means your conditions must have been stable for a full year before the effective date, which suits applicants with long-settled health but rules out anyone with a more recent change. If you don't need pre-existing coverage, TruStone's No-Pre-existing plan is one of the cheapest available at all ages. Compare TruStone's stability rules against other insurers on our visitors to Canada pre-existing conditions page.
Who Is TruStone Best For?
Budget-conscious buyers - the No-Pre-existing plan is among the cheapest at every age.
Super Visa families who want to pay monthly - one of the plans offering monthly instalments.
Travellers staying within Canada - since there's no side-trip coverage, it fits those who won't leave the country.
Applicants with long-stable health - the 365-day stability rule works if your conditions have been settled for a year.
It's a weaker fit for travellers who need recent-onset pre-existing coverage (365-day stability is strict), anyone planning side trips outside Canada, or those wanting the richest secondary benefits.
How to Get a TruStone Quote
Compare TruStone against every other insurer available through BestQuote in a single quote - enter your trip details in the tool on this page to see TruStone'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. Have questions? Call 1-888-888-0510.