{ "id": 2264, "date": "2023-04-14T20:41:12", "date_gmt": "2023-04-14T20:41:12", "guid": { "rendered": "https:\/\/dragontravel.ca\/?page_id=2264" }, "modified": "2023-08-04T14:26:45", "modified_gmt": "2023-08-04T14:26:45", "slug": "travel-insurance-products-comparison", "status": "publish", "type": "page", "link": "https:\/\/dragontravel.ca\/en\/home-2\/travel-insurance-products-comparison\/", "title": { "rendered": "Travel insurance products comparison" }, "content": { "rendered": "
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Travel Insurance Products Comparison<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\u00a0Comparison on the features of different Medical Insurances for Visitors to Canada<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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<\/div><\/div><\/td>

JF Optimum Visitor (TIC)<\/strong><\/p><\/div><\/div><\/td>

JF Canada Visitor (GMS)<\/strong><\/p><\/div><\/div><\/td>

Manulife<\/strong><\/p><\/div><\/div><\/td>

21st Century<\/strong><\/p><\/div><\/div><\/td>

T.I.C<\/strong><\/p><\/div><\/div><\/td><\/tr>

Pre-existing Coverage<\/strong><\/p><\/div><\/div><\/td>

For age 79 and under, Yes. If stable 120 days before effective date<\/p><\/div><\/div><\/td>

For age 79 and under, Yes. If stable 120 days before effective date<\/p><\/div><\/div><\/td>

Under Plan B, benefits are payable for a pre-existing condition that is stable within 180 days of the effective date.<\/p><\/div><\/div><\/td>

For age 85 and under, Yes. If stable 180 days before effective date (NOTE: age over 59 needs to fill out the medical questionnire in order to cover stable chornic condition)<\/p><\/div><\/div><\/td>

Sickness, injury or medical condition requires no medical consultaion, prescription medication, medical treatment or hospitalization within 180 days preceding the effective date<\/p><\/div><\/div><\/td><\/tr>

Waiting Period<\/strong><\/p><\/div><\/div><\/td>

For age 85 or under, purchase anytime after arrival, 48 hours waiting period; Age 86 and over, 15 days waiting period. If you purchased this policy 183 days or more after your arrival in Canada, there is a 7 days waiting period. <\/p><\/div><\/div><\/td>

For age 85 or under, purchase anytime after arrival, 48 hours waiting period; Age 86 and over, 15 days waiting period<\/p><\/div><\/div><\/td>

48-hour period following and including your effective date of insurance if you purchase your policy:<\/p>

\u2022 after the expiry date of an existing Manulife Visitor to Canada policy; or<\/p>

\u2022 after you arrive in Canada.<\/p><\/div><\/div><\/td>

For age 85 and under, if purchase within 30 days of arrival, 72 hours waiting period; if purchase after 30days, 7 days waiting; For age 86 and older, 15 days waiting<\/p><\/div><\/div><\/td>

48 hours waiting period<\/p><\/div><\/div><\/td><\/tr>

Deductible<\/strong><\/p><\/div><\/div><\/td>

Age 85 and under, $0\/$50 deductible; Age 86 and above, $500 per cover trip<\/p><\/div><\/div><\/td>

Age 85 and under, $0\/$50 deductible; Age 86 and above, $500 per cover trip<\/p><\/div><\/div><\/td>

$0, $75, $500, $1000, $2500, and $5000<\/p><\/div><\/div><\/td>

Age 85 and under, $0 deductible with 5%surcharge; $50 deductible per policy per insured; $250 deductible with 10% off per policy per insured;
Age 86 and above, $500 deductible per policy per insured <\/p><\/div><\/div><\/td>

$50 deductible per claim; 5% savings for $100 deductible;
10% savings for $250 deductible<\/p><\/div><\/div><\/td><\/tr>

Air flight & AD&D<\/strong><\/p><\/div><\/div><\/td>

Cover Air flight accident up to sum insured<\/p><\/div><\/div><\/td>

Cover Air flight accident up to sum insured<\/p><\/div><\/div><\/td>

Up tp $50,000<\/p><\/div><\/div><\/td>

$10,000 AD&D<\/p><\/div><\/div><\/td>

AD&D up to sum insured<\/p><\/div><\/div><\/td><\/tr>

Medical questionnaire<\/strong><\/p><\/div><\/div><\/td>

No medical questionnaire required<\/p><\/div><\/div><\/td>

No medical questionnaire required<\/p><\/div><\/div><\/td>

Plan B with age 40 and above<\/p><\/div><\/div><\/td>

Age 70-85, if require pre-existing covered; or age 86 and above<\/p><\/div><\/div><\/td>

Age 70-79,requires and approved in writing by TIC; age 80 or over, requires and approved in writing by TIC<\/p><\/div><\/div><\/td><\/tr>

Travel outside of Canada<\/strong><\/p><\/div><\/div><\/td>

Cover anywhere traveling except own country, provided more than 50%time in Canada<\/p><\/div><\/div><\/td>

Cover anywhere traveling except own country, provided more than 50% time in Canada<\/p><\/div><\/div><\/td>

This insurance provides coverage while travelling outside Canada (excluding your country of origin), as long as your side-trip originates and terminates in Canada and does not exceed the lesser of: 30 days per policy or 49% of your total number of coverage days as stated on your confirmation.<\/p><\/div><\/div><\/td>

Cover anywhere traveling except own country, provided more than 50%time in Canada<\/p><\/div><\/div><\/td>

Cover anywhere traveling except own country, provided more than 50%time in Canada<\/p><\/div><\/div><\/td><\/tr>

Cancellation<\/strong><\/p><\/div><\/div><\/td>

No charge before effective date; $25 after; net amount less than $10 will not be refund<\/p><\/div><\/div><\/td>

No charge before effective date; $20 after; net amount less than $10 will not be refund<\/p><\/div><\/div><\/td>

No fee<\/p><\/div><\/div><\/td>

$25<\/p><\/div><\/div><\/td>

$10 for full refund; $25 for partial refund; Net amount less than $10 will not be refund<\/p><\/div><\/div><\/td><\/tr>

Follow up visit <\/strong>
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Up to $3,000<\/p><\/div><\/div><\/td>

No specified limit<\/p><\/div><\/div><\/td>

No specified limit<\/p><\/div><\/div><\/td>

No specified limit<\/p><\/div><\/div><\/td>

Up to 3 follow-up visits<\/p><\/div><\/div><\/td><\/tr>

Minimum Premium<\/strong>
<\/p><\/div><\/div><\/td>

$25<\/p><\/div><\/div><\/td>

$20<\/p><\/div><\/div><\/td>

$25<\/p><\/div><\/div><\/td>

$25<\/p><\/div><\/div><\/td>

$25<\/p><\/div><\/div><\/td><\/tr>

Claim<\/strong>
<\/p><\/div><\/div><\/td>

Around 4-6 weeks processing<\/p><\/div><\/div><\/td>

Around 4-6 weeks processing<\/p><\/div><\/div><\/td>

4-6 weeks processing<\/p><\/div><\/div><\/td>

Request physician signature<\/p><\/div><\/div><\/td>

Request physician signature and report<\/p><\/div><\/div><\/td><\/tr>

Special features<\/strong><\/p><\/div><\/div><\/td>

Cover Acupuncture up to$500 purchase 1 year policy; Caculate premium base on application date not effective date<\/p><\/div><\/div><\/td>

Cover Acupuncture up to $500 purchase 1 year policy; Caculate premium base on application date not effective date<\/p><\/div><\/div><\/td>

N\/A <\/p><\/div><\/div><\/td>

Acupuncture when received a written medical referral from a \"Physician\";<\/p><\/div><\/div><\/td>

N\/A<\/p><\/div><\/div><\/td><\/tr>

Extension<\/strong>
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If no claim, process online within 7 days before policy expires; if have claim, call to extend, subject to approval<\/p><\/div><\/div><\/td>

Max coverage period 365 days up to age 85 inclusively and 180 days for persons age 86 years old or older. Extension must be approval.<\/p><\/div><\/div><\/td>

Process online anytime<\/p><\/div><\/div><\/td>

Process online anytime<\/p><\/div><\/div><\/td>

Process online if there is no previous claim<\/p><\/div><\/div><\/td><\/tr>

Purchase Plan <\/strong><\/p><\/div><\/div><\/td>

Purchase Plan<\/p>


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Purchase Plan<\/p>


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Purchase Plan<\/p>


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Purchase Plan<\/p>


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Purchase Plan<\/p>


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