rdsAllianz Global Assistance
Canadian travel insurance offering a comprehensive package bundling emergency medical with trip cancellation and interruption, with stability periods that differ by age and named exclusions for certain heart, lung, kidney and cancer circumstances.
Relevant Products
The product below is available through Allianz Global Assistance. Its coverage limits and policy terms are specific to this product.
Comprehensive Package
- Underwriter
- CUMIS General Insurance Company
- Product type
- Comprehensive package
- Designed for
- Canadian snowbird / extended stay
- Policy version
- A046PL-0423
Emergency Medical Coverage
Verified emergency medical coverage maximums and deductible options, by product. Limits and deductibles can differ between products from the same provider.
Comprehensive Package
Emergency medical limit varies — confirm in the policy wording.
Comprehensive package bundling emergency medical with trip cancellation and trip interruption coverage.
Pre-Existing Medical Conditions
Whether a pre-existing condition is covered depends on the applicable product, the eligibility requirements, and the policy wording. Stability period is 90 days (age 64 and under) or 150 days (age 65+); certain heart, lung, kidney and cancer circumstances are excluded regardless of stability.
Comprehensive Package
Requires confirmationStability 90 days (age 64 and under) or 150 days (age 65+). Named absolute exclusions regardless of stability: unrepaired aneurysm 4cm+, nitroglycerin use in prior 90 days, CHF in prior 2 years, dialysis in prior 90 days, home oxygen/oral steroids for lung conditions in prior 90 days, cancer treatment in prior 90 days (with basal/squamous skin and hormone-only breast cancer carve-outs). No explicit age-triggered medical questionnaire was found in the provided documents — flagged for human review.
Medication Changes
Starting, stopping or changing a medication can affect whether a condition is considered stable. Some products permit routine adjustments; others do not. Check the product-specific wording.
Comprehensive Package
Routine insulin adjustment (not prescribed by a physician) is considered stable, as long as insulin was not first prescribed during the stability period. Routine Coumadin/Warfarin adjustment is considered stable if it was not first prescribed during the stability period. A change from a brand-name to a generic medication is considered stable.
Important Eligibility Considerations
Major verified eligibility requirements. This is not the complete contract — confirm your eligibility through the insurer's official application or medical questionnaire.
Comprehensive Package
Eligibility requires: at least 15 days old on the effective date; a Canadian resident insured under a provincial/territorial government health plan for the entire coverage period; not advised against travel by a physician; not travelling to receive treatment or alternative therapy; no terminal-condition diagnosis or palliative care in the 2 years before the effective date. If 65+, the traveller must not require assistance with activities of daily living due to a medical condition or state of health. No explicit age-triggered medical questionnaire was found in the documents reviewed — confirm whether a questionnaire applies in the current policy wording.
Emergency Assistance
Most insurers require you to contact their assistance line before, or shortly after, receiving non-life-threatening care. Failing to do so may reduce what they pay. In a medical emergency, always call the assistance number on your insurance card.
Comprehensive Package
Requires confirmationContact the Allianz assistance line shown on your policy before seeking non-life-threatening care. Confirm the current number on your insurance card.
A note on accuracy. Some provisions on this page are flagged for confirmation because the source documents were unclear, incomplete or in conflict. Where an item is marked "Requires confirmation," do not rely on it until you have checked the current policy wording or spoken with the Snowbyrds Concierge.
Who Should Read the Policy Carefully?
This page is a summary to help you understand the provider. It is not the insurance contract. Before purchasing, read the full policy wording — especially if any of the following apply to you:
- Travellers with pre-existing conditions
- Travellers whose medication has changed recently
- Travellers with recent tests, referrals or treatment
- Older travellers subject to different stability periods
- Travellers planning an extended stay
Related Advice
Pre-Existing Conditions and Travel Insurance: What Canadian Snowbirds Should Know
Most snowbirds have at least one condition they manage. Here's how travel insurance treats pre-existing conditions — and what to check before you buy.
Read moreWhat Does "Stable" Mean in Travel Insurance?
Stable is the most important word in snowbird travel insurance — and policies don't all define it the same way. Here's what to look for.
Read moreCan a Medication Change Affect Your Travel Insurance?
Starting, stopping or changing a medication can affect whether a condition is considered stable. Some policies allow routine adjustments — some don't.
Read moreHow to Compare Snowbird Travel Insurance Beyond the Price
Price is the easy part. The differences that matter at claim time are in the wording. Here's how to compare snowbird travel insurance properly.
Read moreNext Steps
Not sure which product fits? The Snowbyrds Concierge (1-888-815-7472) can help you understand the options and connect you with a licensed advisor.