探亲旅游保险和新移民等候医疗保险主要公司(ETFS, TU, TIC 和21st Century) 价目表
The following is the price comparing of the most popular travel insurance companies in Canada. If you need to know the defference of the benefits covered in each company,
Please call at: 416-834-9204 Albert Zhou
ETFS—$50 Deductible option
Benefits
- Pre-existing condition covered requires stable for 120 days stable prior to the effective day
- Air Flight Accident included
- Acupuncture treatment for 365 days policy
- 48 hours waiting period for sickness claims up to age 85 (15 days for age 86 and above)
- $50 deductible is one time per person per policy please refer to the policy wording for details
ETFS Rate Schedule #1—Daily Rates-with stable pre-existing Medical Condition Coverage Option$50 deductible | ||||||
| Coverage options | ||||||
Age | $1万 | $1.5万 | $2.5万 | $5万 | $10万 | $15万 |
Up to25 | $ 1.50 | $ 1.80 | $ 2.00 | $ 2.20 | $3.17 | $3.79 |
26-40 | $1.64 | $1.97 | $2.20 | $2.42 | $3.54 | $4.11 |
41-60 | $1.89 | $2.25 | $2.53 | $2.75 | $4.35 | $5.07 |
61-64 | $2.18 | $ 2.83 | $3.39 | $3.66 | $4.50 | $5.60 |
65-69 | $2.64 | $3.46 | $4.16 | $4.49 | $5.24 | $6.53 |
70-74 | $4.21 | $5.50 | $6.61 | $7.26 | n/a | n/a |
75-79 | $5.05 | $6.56 | $7.80 | $8.60 | n/a | n/a |
No medical questionnaire required | ||||||
ETFS Rate Schedule #2—Daily Rates without stable pre-existing Medical Condition Coverage OptionUp to age 85: $50 DeductibleAge 86 and over: $500 Deductible | ||||||
Coverage options | ||||||
Age | $1万 | $1.5万 | $2.5万 | $5万 | ||
70-74 | $ 3.37 | $ 4.40 | $ 5.29 | $ 5.81 | ||
75-79 | $ 4.04 | $ 5.25 | $ 6.24 | $ 6.88 | ||
80-85 | $ 5.47 | $ 6.93 | $8.51 | $ 9.17 | ||
86+ | $ 8.85 | $11.44 | $13.78 | |||
No medical questionnaire required | ||||||
*Minimum policy premium of $25
Family Rates: are 2X the Daily Rate based on the oldest member of the family. Coverage dates must be the same for all family members and all family members must live at the same address while in Canada.
Maximum period: including any extensions, up to age 85 is 365 days; age 86 and older -180 days.
ETFS visitors Plans —$ 0 deductible —Rate Schedule 1-Daily Rates ( with Stable pre-existing Medical Conditions Coverage) | ||||||
Coverage options | ||||||
Age | $1万 | $1.5万 | $2.5万 | $5万 | $10万 | 15万 |
Up to 25 | $ 1.58 | $ 1.89 | $ 2.11 | $ 2.32 | $ 3.34 | $ 3.99 |
26-40 | $ 1.73 | $ 2.07 | $ 2.32 | $ 2.55 | $ 3.73 | $ 4.33 |
41-60 | $ 1.99 | $ 2.37 | $ 2.66 | $ 2.89 | $ 4.58 | $ 5.34 |
61-64 | $ 2.29 | $ 2.98 | $ 3.57 | $ 3.85 | $ 4.74 | $ 5.89 |
65-69 | $ 2.78 | $ 3.64 | $ 4.38 | $ 4.73 | $ 5.52 | $ 6.87 |
70-74 | $ 4.44 | $ 5.79 | $ 6.96 | $ 7.65 | N/A | N/A |
75-79 | $ 5.31 | $ 6.91 | $ 8.21 | $ 9.05 | N/A | N/A |
ETFS Rate Schedule #2—Daily Rates without stable pre-existing Medical Condition Coverage OptionAge 86 and over: $500 Deductible | ||||||
Coverage options | ||||||
Age | $1万 | $1.5万 | $2.5万 | $5万 | ||
70-74 | $ 3.55 | $ 4.63 | $ 5.57 | $ 6.12 | ||
75-79 | $ 4.25 | $ 5.53 | $ 6.57 | $ 7.24 | ||
80-85 | $ 5.76 | $ 7.29 | $8.96 | $ 9.65 | ||
86+ | $ 9.32 | $12.04 | $14.50 | |||
No medical questionnaire required | ||||||
TIC Visitors to Canada Emergency Hospital & Medical
$50 Deductible per Claim Per insured
Effective Date March 2009
AD&D included up to MaximuAge $1万 $2.5万 $5万 $ 10万 $ 15万 Up t0 25 $1.58 $2.05 $2.36 $3.10 $3.73 26-34 $1.68 $2.21 $2.52 $3.41 $3.96 35-39 $1.79 $2.36 $2.63 $3.62 $4.40 40-54 $1.89 $2.73 $3.10 $4.62 $5.52 55-59 $2.00 $2.94 $3.31 $4.78 $5.61 60-64 $2.94 $3.94 $4.62 $5.72 $6.80 65-69 $3.15 $4.46 $5.25 $7.09 $7.55 70-74 $4.62 $6.41 $7.61 $9.56 $10.13 75-79 $5.51 $7.77 $9.77 $11.81 $12.33 80-85 $4.78 $6.88 $8.72 $11.03 $13.75
Minimum Premium: $20 per policy
Family premium=individual premium of eldest person *2
The family rate includes the applicant, their spouse, parent, step-parent, grandparent, or legal guardian age 69 or under, and their dependent children or grandchildren under age 22.
Maximum period of coverage: 365 days
Signature of the insured is required on the application of Confirmation of Coverage
Travel Underwriter : Visitors to Canada JF Platium Emergency Travel Insurance
Age | $2万 | $3万 | $4万 | $5万 | $6万 | $7万 | $8万 |
0-25 | $2.08 | $2.33 | $2.44 | $2.54 | $2.79 | $3.06 | $3.37 |
26-40 | $2.26 | $2.53 | $2.65 | $2.76 | $3.03 | $3.32 | $3.65 |
41-60 | $2.59 | $2.90 | $3.04 | $3.16 | $3.51 | $3.89 | $4.32 |
61-64 | $3.27 | $3.91 | $4.10 | $4.26 | $4.62 | $4.70 | $4.77 |
65-69 | $3.97 | $4.75 | $5.01 | $5.22 | $5.45 | $5.49 | $5.54 |
70-74* | $5.08 | $6.09 | $6.35 | $6.57 | $6.99 | $7.07 | $7.16 |
75-79* | $6.07 | $7.27 | $7.59 | $7.85 | $8.21 | $8.28 | $8.36 |
80-84 | $8.06 | $9.84 | $10.28 | $10.63 | $10.77 | $10.80 | $10.83 |
85-89 | $13.31 | $15.97 | $16.67 | $17.23 | $18.42 | $18.67 | $18.92 |
Age | $9万 | $10万 | $11万 | $12万 | $13万 | $14万 | $15万 |
0-25 | $3.60 | $3.70 | $3.90 | $4.03 | $4.17 | $4.31 | $4.40 |
26-40 | $3.90 | $4.10 | $4.24 | $4.38 | $4.53 | $4.67 | $4.79 |
41-60 | $4.67 | $4.94 | $5.17 | $5.34 | $5.53 | $5.69 | $5.83 |
61-64 | $5.00 | $5.16 | $5.41 | $5.68 | $5.90 | $6.14 | $6.34 |
65-69 | $5.81 | $6.10 | $6.41 | $6.73 | $6.99 | $7.27 | $7.52 |
70-74* | $7.51 | $7.88 | $8.27 | $8.69 | $9.04 | $9.40 | $9.72 |
75-79* | $8.77 | $9.12 | $9.58 | $10.05 | $10.45 | $10.87 | $11.25 |
80-84 | $11.37 | $11.94 | $12.65 | $13.42 | $13.95 | $14.51 | $15.02 |
85-89 | $19.86 | $20.85 | $21.90 | $22.99 | $23.90 | $24.86 | $25.21 |
Age | $16万 | $17万 | $18万 | $19万 | $20万 | $21万 | $22万 |
0-25 | $4.53 | $4.65 | $4.74 | $4.84 | $4.93 | $5.02 | $5.12 |
26-40 | $4.93 | $5.05 | $5.14 | $5.25 | $5.35 | $5.46 | $5.57 |
41-60 | $6.07 | $6.28 | $6.46 | $6.66 | $6.79 | $6.93 | $7.06 |
61-64 | $6.57 | $6.79 | $7.00 | $7.20 | $7.42 | $7.61 | $7.79 |
65-69 | $7.78 | $8.06 | $8.29 | $8.53 | $8.80 | $9.01 | $9.23 |
70-74* | $10.06 | $10.41 | $10.71 | $11.04 | $11.37 | $11.65 | $11.95 |
75-79* | $11.64 | $12.04 | $12.40 | $12.77 | $13.16 | $13.48 | $13.82 |
80-84 | $15.54 | $16.09 | $16.57 | $17.06 | $17.57 | $18.01 | $18.45 |
85-89 | $25.83 | $26.48 | $27.26 | $28.08 | $28.92 | $29.64 | $30.38 |
Age | $23万 | $24万 | $25万 | $26万 | $27万 | $28万 | $30万 |
0-25 | $5.23 | $5.33 | $5.44 | $5.55 | $5.66 | $5.77 | $6.00 |
26-40 | $5.68 | $5.79 | $5.91 | $6.03 | $6.15 | $6.27 | $6.52 |
41-60 | $7.20 | $7.35 | $7.50 | $7.64 | $7.79 | $7.95 | $8.27 |
61-64 | $7.99 | $8.19 | $8.35 | $8.51 | $8.69 | $8.86 | $9.21 |
65-69 | $9.46 | $9.70 | $9.90 | $10.09 | $10.29 | $10.50 | $10.92 |
70-74* | $12.24 | $12.55 | $12.80 | $13.05 | $13.31 | $13.57 | $14.13 |
75-79* | $14.17 | $14.52 | $14.81 | $15.11 | $15.40 | $15.71 | $16.35 |
80-84 | $18.92 | $19.39 | $19.77 | $20.18 | $20.57 | $20.98 | $21.83 |
85-89 | $31.14 | $31.92 | $32.56 | $33.20 | $33.87 | $34.54 | $35.94 |
l * 70-79: can purchase an additional optimal cover per-existing conditions provided they were stable in the 120 days prior to effective date of policy, a 25% surcharge will apply ( Age 69 and under, pre-existing conditions are covered if stable in the 120 days prior to the effective day)
| Family | 0-25 | 26-40 | 41-60 |
| $2万 | $4.17 | $4.52 | $5.19 |
| $3万 | $4.65 | $5.06 | $5.80 |
| $4万 | $4.88 | $5.30 | $6.08 |
| $5万 | $5.08 | $5.50 | $6.32 |
| $6万 | $5.58 | $6.05 | $7.02 |
| $7万 | $6.13 | $6.65 | $7.78 |
| $8万 | $6.73 | $7.30 | $8.63 |
| $9万 | $7.19 | $7.80 | $9.33 |
| $ 10万 | $7.40 | $8.19 | $9.89 |
| $11万 | $7.80 | $8.47 | $10.32 |
| $12万 | $8.08 | $8.76 | $10.68 |
| $13万 | $8.35 | $9.07 | $11.05 |
| $14万 | $8.60 | $9.34 | $11.38 |
| Family | 0-25 | 26-40 | 41-60 |
| $ 15万 | $8.82 | $9.57 | $11.66 |
| $16万 | $9.08 | $9.85 | $12.13 |
| $17万 | $9.30 | $10.09 | $12.56 |
| $18万 | $9.48 | $10.30 | $12.94 |
| $19万 | $9.67 | $10.50 | $13.32 |
| $20万 | $9.86 | $10.71 | $13.58 |
| $21万 | $10.06 | $10.92 | $13.85 |
| $22万 | $10.26 | $11.14 | $14.13 |
| $23万 | $10.46 | $11.36 | $14.41 |
| $24万 | $10.67 | $11.59 | $14.69 |
| $25万 | $10.88 | $11.82 | $14.99 |
| $26万 | $11.10 | $12.04 | $15.28 |
| $27万 | $11.31 | $12.28 | $15.59 |
| Family | 0-25 | 26-40 | 41-60 |
| $28万 | $11.54 | $12.54 | $15.90 |
| $29万 | $11.77 | $12.77 | $16.22 |
| $30万 | $12.00 | $13.04 | $16.54 |
Maxmium 365 days for persons 69 yrs and under / Maximum 183 days for persons 70-89 years of age.
Waiting period: If the policy was purchased before landing, there is no waiting period. If the policy was purchased within 60 days afer your arrival in Canada, 48 hours wiating period from the effective date; If the policy was purchased 61 days or more after your arrival in Canada, 7 days waiting period from the effecitve date.
Minimum premium: $20 per policy
quote/purchase of 21st century
21st century visitor to Canada insurance premium rate tables
Maximum coverage period
Coverage is available under a policy for 365 days in total for ages up to 85. For those age 86 and older, coverage can be purchased to insure up to first 180 days following the date arrival in Canada from your country of origin.
Additional $5万 of coverage with the $ 10万
When you purchase the $ 10万 option, you are automatically insured for $ 15万for covered expenses as a result of an accidental bodily injury.
All applicants use table 1 unless age 70-85 and applying for “Stable Chronic Condition” option.
| Age | 保慢性病 | $1万 | $1.5万 | $2.5万 | $5万 | $ 10万 | $ 15万 |
| Up t0 25 | Yes | $1.55 | $1.91 | $2.01 | $2.32 | $3.04 | $3.32 |
| 26-34 | Yes | $1.65 | $1.96 | $2.16 | $2.47 | $3.35 | $3.77 |
| 35-39 | Yes | $1.75 | $2.06 | $2.32 | $2.58 | $3.55 | $4.18 |
| 40-54 | Yes | $1.85 | $2.37 | $2.68 | $3.04 | $4.53 | $5.48 |
| 55-59 | Yes | $1.96 | $2.52 | $2.88 | $3.24 | $4.69 | $6.12 |
| 60-64 | Yes | $2.88 | $3.30 | $3.86 | $4.53 | $5.61 | $8.62 |
| 65-69 | Yes | $3.09 | $3.86 | $4.38 | $5.15 | $6.95 | $11.48 |
| 70-74 | No | $3.76 | $4.74 | $5.46 | $6.49 | $8.14 | N/A |
| 75-79 | No | $4.33 | $5.36 | $5.87 | $7.36 | $9.58 | N/A |
| 80-85 | No | $4.69 | $6.08 | $6.75 | $8.55 | $10.82 | N/A |
| 86+ | No | $9.01 | $11.59 | $13.65 | N/A | N/A | N/A |
| Age 86 and over must complete the medical declaration on the application to determine eligibility for coverage | |||||||
Table 2—Premium per day “Stable Chronic
condition” Option (for age70-85)
Age | $1万 | $1.5万 | $2.5万 | $5万 | $ 10万 | $ 15万 |
70-74 | $4.53 | $5.82 | $6.28 | $7.47 | $9.37 | N/A |
75-79 | $5.41 | $6.70 | $7.62 | $9.58 | $11.59 | N/A |
80-85 | $7.21 | $9.06 | $10.56 | $12.41 | $15.71 | N/A |
86+ | N/A | |||||
Applicants age 70 to 85 who wish to purchase this Option must complete the Medical Declaration on the Application to determine eligibility for coverage | ||||||
Table 2-Premium Per day ” Stable Chronic condition” option (For age 70-85)
Family Rates Charge twice the older adult premium rate and list all Applicants on the Application.
A “Family” is defined as three or more of; parents or legal guardian and their unmarried children under age 21 who are visiting Canada with them and dependent on them for their sole means of financial support.
Premium paid determines coverage purchased. Minimum Policy premium is $25.00.
Age means the applicant’s age on the effective date of the policy.
For age 85 or under, the deductible amount is $50 per sickness. For age 86 or plus, the deductible amount is $500 per sickness.
For agents processing policies on-line, a deductible waiver feature is available up to age 85. For a premium surcharge of 5%, the $50 deductible is reduced to $0. Not available for age 86 plus.
Albert Zhou, MBA, CFP
TEL: 416-834-9204
