Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
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1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
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3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
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12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Visitors Visa Insurance
Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
1
2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
16/05/2020
3/8
2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
16/05/2020
4/8
V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
7/8
"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
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1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 27 of 31
The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 28 of 31
4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 29 of 31
10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 30 of 31
3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 31 of 31
12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Visitors Visa Insurance
Insurance Provider
Student InsuranceSuper Visa Insurance  medical insurance life insurace disability insurance  critical illness insurance    visa insurance new immigrant insurance  Manulife Allianz travel shield travellance 21st century GMS RIMI JF gorup Nordic Berkely Destination canada ontario GTA  
Visitors Visa Insurance
Insurance Provider
Student InsuranceSuper Visa Insurance  medical insurance life insurace disability insurance  critical illness insurance    visa insurance new immigrant insurance  Manulife Allianz travel shield travellance 21st century GMS RIMI JF gorup Nordic Berkely Destination canada ontario GTA  
Visitors Visa Insurance
Insurance ProviderSection POLICY CONTENT Page
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II
III
IV
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V
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VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
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RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
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II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
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2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
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V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
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Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
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1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
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3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
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12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Visitors Visa Insurance
Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
1
2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
16/05/2020
3/8
2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
16/05/2020
4/8
V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 1 of 31
1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 27 of 31
The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 28 of 31
4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 29 of 31
10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 30 of 31
3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 31 of 31
12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
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RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
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16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
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2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
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V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
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1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
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3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
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12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Visitors Visa Insurance
Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
1
2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
16/05/2020
3/8
2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
16/05/2020
4/8
V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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6/8
VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 1 of 31
1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 2 of 31
1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 28 of 31
4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 29 of 31
10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 30 of 31
3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 31 of 31
12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Insurance ProviderSection POLICY CONTENT Page
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Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
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RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
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2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
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V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
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Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
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1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
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3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
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12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
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You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
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Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
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You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
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Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

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SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Visitors Visa Insurance
Insurance ProviderSection POLICY CONTENT Page
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II
III
IV
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V
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VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
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2
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4
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5
6
7
7
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8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
16/05/2020
3/8
2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
16/05/2020
4/8
V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 1 of 31
1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 2 of 31
1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 3 of 31
2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 4 of 31
2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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Page 28 of 31
4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 29 of 31
10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 30 of 31
3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 31 of 31
12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Insurance ProviderSection POLICY CONTENT Page
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VI
VII
VIII
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XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
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5
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RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
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2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
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V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
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Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
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1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
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3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
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12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
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You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
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Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
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You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
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Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
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Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

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SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Visitors Visa Insurance
Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
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2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
16/05/2020
3/8
2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
16/05/2020
4/8
V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
16/05/2020
5/8
21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
16/05/2020
6/8
VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
7/8
"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 1 of 31
1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 2 of 31
1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 3 of 31
2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 4 of 31
2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 29 of 31
10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 30 of 31
3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 31 of 31
12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Insurance ProviderSection POLICY CONTENT Page
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VI
VII
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XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
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5
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RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
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2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
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V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
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Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
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1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
Berkley Canada’s Travel Portal Instructions Version 4.2
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
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3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
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12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
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Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
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You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
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Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Visitors Visa Insurance
Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
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2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
16/05/2020
3/8
2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
16/05/2020
4/8
V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
16/05/2020
5/8
21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
16/05/2020
6/8
VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
7/8
"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 1 of 31
1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 2 of 31
1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 3 of 31
2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 4 of 31
2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 30 of 31
3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 31 of 31
12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
1
2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
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2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
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V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
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Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
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Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
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Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
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1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
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3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
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12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

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SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
1
2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
16/05/2020
3/8
2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
16/05/2020
4/8
V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
16/05/2020
5/8
21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
16/05/2020
6/8
VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
7/8
"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
START
Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 1 of 31
1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 2 of 31
1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 3 of 31
2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 4 of 31
2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 5 of 31
4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 6 of 31
All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 30 of 31
3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 31 of 31
12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Visitors Visa Insurance
Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
1
2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
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2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
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V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
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1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
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2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
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STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
Berkley Canada’s Travel Portal Instructions Version 4.2
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
Berkley Canada’s Travel Portal Instructions Version 4.2
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
Berkley Canada’s Travel Portal Instructions Version 4.2
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
Berkley Canada’s Travel Portal Instructions Version 4.2
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
Berkley Canada’s Travel Portal Instructions Version 4.2
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
Berkley Canada’s Travel Portal Instructions Version 4.2
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
Berkley Canada’s Travel Portal Instructions Version 4.2
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
Berkley Canada’s Travel Portal Instructions Version 4.2
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3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
Berkley Canada’s Travel Portal Instructions Version 4.2
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12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
1
2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
16/05/2020
3/8
2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
16/05/2020
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V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
16/05/2020
5/8
21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
16/05/2020
6/8
VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
16/05/2020
7/8
"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existingSupervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, KitcComplete Healthcare Plans For You & Your family
Emergency Medical
Walk-in Clinic Visits
Coverage for Pre-existing Conditions 
Accidental Death and Dismemberment
24-Hour Assistance all over the worldGet Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.
Coverage for Covid 19
Coverage for Ambulancehener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

GET AN INSURANCE QUOTE!Besides the immigration requirements, you need to have $100,000 emergency medical insurance from Canadian insurance companies.
SUPER VISA INSURANCE BRAMPTON
Request a Free Quote
Whatever your insurance coverage needs are, we’re here to help life go right.
Working with the best has its perks for all of us!Do your clients have family or friends coming to stay? Do their guests have insurance to protect them while they’re here?

Manulife Travel Insurance for Visitors to Canada can help protect against the cost of unexpected medical emergencies that may occur during their trip in Canada. Visitors to Canada Travel Insurance can be purchased prior to their departure from home or when they first arrive in Canada.

Who can apply?

Visitors to Canada;
Canadians who are not eligible for benefits under a Canadian government insurance plan;
Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
New immigrants who are awaiting government health insurance plan coverage.
Quick quote & buy online
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Plan features
Single-Trip Plan

Provides Emergency Medical Insurance for one trip for the number of days purchased.
Travel Accident Coverage

Included with the purchase of Emergency Medical Insurance and covers up to $50,000 for an accidental bodily injury or death.
Trip Interruption Insurance

An optional benefit which covers the prepaid nonrefundable and non-transferable portion of the trip, should it be interrupted due to a covered event and the return to home country is required.
Levels of coverage
For clients under 70 years of age

Eligible to apply for $15,000, $25,000, $50,000, $100,000 or $150,000 coverage.The Destination: Travel Group Inc.
The Destination: Travel Group Inc. (DTGI) is a nationally licensed insurance organization that has been providing specialized travel insurance related products and services on a nationwide basis since the early 1990s. We provide a full range of Insurance Products and services including but not limited to insurance coverage for:

Travelling Canadians
Visitors to Canada
International Students (inbound and outbound)
Expatriates
DTGI not only delivers quality special risk insurance products direct to the end consumer but also is proud to partner with insurance agents/brokers, consultants, third party administrators, insurance companies and Corporate Groups in providing insurance solutions for their individual and group clients.


Contact Us:
CORPORATE HEAD OFFICE:What is Super Visa?
The Parent and Grandparent Super Visa (Super Visa) is a temporary resident permit that
allows parents and grandparents to stay for up to 2 years in Canada per visit. It is valid
for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only
allows stays of up to 6 months per visit.
To Apply for Super Visa, Medical Emergency Insurance is required.
$100,000 Medical Emergency Coverage - 365 days
Health Care | Hospitalization | Repatriation
Super Visa Insurance / Visitor to Canada
Medical Emergency Coverage
• Available Options – Plan A, Plan B, Comprehensive
• Plan A – No Coverage for Pre-existing health Conditions
• Plan B – Covers 180 days Stable Pre-existing Conditions
• Comprehensive – up to age 70 Covers 120 days stable Pre-existing Health Conditions
 between age 71 & 80 180 days stable Pre-existing Health Conditions
 Also covers Annual Physical check up, Vaccines, Eye Exam, Psychiatric
Please read policy wording for full details.
Coverage Amounts
Super Visa Insurance - $100,000;
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000, $10,000
Period of Coverage – 365 days.
Issue Age – 40 to 89.
Visitor to Canada - $25,000; $50,000; $100,000; $150,000
Deductible options - $0, $100, $250, $500, $1,000, $3,000, $5,000
Period of Coverage – Option to select between 1 to 365 days.
Issue Age – 0 to 89. 
Eligibility:- Super Visa Insurance / Visitor to Canada
To be eligible for coverage, on the effective date, you must:
1. be a visitor to Canada or a person in Canada under a valid work or student visa, a
 Canadian or an immigrant not eligible for benefits under a government health
 insurance plan; and
2. be at least 15 days of age and no more than 90 years of age; and
3. not be travelling against the advice of a physician and/or have not been diagnosed
 with a terminal illness or be experiencing new or undiagnosed symptoms and/or know
 of any reason to seek medical attention; and
4. not require assistance with the activities of daily living (dressing, bathing, eating,
 using the toilet or getting in or out of a bed or chair). 
Benefits:- Super Visa Insurance / Visitor to Canada
1. Hospital Accommodation 12. Ambulance Service
2. Medical Services 13. Meals and Accommodation
3. Diagnostic Services 14. Hospital Allowance
4. Prescription (Emergency related) 15. Return & Escort Children
5. Private Duty Nurse 16. Excess Baggage Return
6. Paramedical Services 17. Maternity (Comprehensive plan only)
7. Dental Emergencies 18. Psychiatric (Comprehensive plan only)
8. Medical Appliances 19. Vaccines (Comprehensive plan only)
9. Transportation to Bedside 20. Physical Examination (Comprehensive)
10.Emergency Air Transport 21. Eye Examination (Comprehensive)
11.Repatriation 22. Accidental Death and Dismemberment
Please refer to policy wording for full details.COVID-19 Emergency Medical Waiver

Emergency medical coverage for COVID-19 after a positive test result while at destination including emergency transport home
up to $500,000 CAD
Quarantine expenses due to a positive test result or contact tracing while at destination
Up to $150 CAD per person, per day
Up to $300 CAD per family, per day
Maximum 14 days for accommodation and meals
Available with the following plans:Foundations for healthy living
We’ve been taking care of Canadian families since 1949 – before publicly funded Medicare was available in the province. When access to basic healthcare became available to everyone through Medicare, we stepped in to bridge the gap between publicly funded healthcare and the needs of its customers.

We introduced health insurance coverage for health care related costs not paid for by government, such as prescription drugs, ambulance services and private duty nursing. These core benefits are still the building blocks of the plans offered today.

Our goal is to offer Canadians choices and real value in health and travel insurance.

We focus on wellness first
Healthy and happy people create thriving communities, which is why we at GMS aim to put wellness first. All of our individual and group health benefits plans provide individuals with the access to care that ensures they are living their lives to the fullest and have coverage for care when they need it. 

Our Mission
Empower Canadians to make positive healthy decisions through our wellness network, responsive products and personalized experiences.

Our Vision
Communities and individuals connected by a desire to continuously improve health and wellness.

Our Values
Caring: We care about our customers. We take the time to listen and understand what matters most.
Innovative: We’re innovative in smart ways. GMS employs a customer- responsive team that balances personal touch and advanced industry technology. 
Easy: We’re easy to deal with. Simple. Upfront with our customers. 
Positive: We’re positive. We look at problems as opportunities. Because we’re positive, we believe in and help our customers achieve their dreams of living well.  
Real:  We’re real. Down to earth, approachable and friendly. 
Fair: We’re fair with our approach in everything we do.
Giving back to our communities
Throughout our 70-year history, GMS has made it a priority to give back.  We’re in the business of helping people live well, so you might say it’s in our DNA to support health care and promote living well in the communities where we live and work.

STARS
Recent donations
Since 2014, we’ve contributed to the following programs and organizations through dedicated volunteer hours and financial donations.

Matching $1 million donation for Trauma Care – in 2017, we committed to match up to $1 million in donations to the Hospitals of Regina Foundation for the GMS Trauma Care Fund. Our commitment has helped generate a further $2 million in donations to provide more than $3 million to upgrade critical equipment for trauma care teams in Regina hospitals.
$500,000 for Cardiac Care – in 2014, our donation to the HRF introduced a state-of-the-art digital electrocardiogram testing, file management and storage system at the GMS Cardiac Rhythm Device Clinic at Regina’s General Hospital, and allowed for facility improvements to enhance patient comfort.
Presenting sponsor of the HRF Four Seasons Gala in support of Pediatric Services – since 2017, we have been proud presenting sponsor of this major fundraising event to support pediatric services in Regina hospitals.
Proud STARS ally – our involvement started with purchasing fuel for a life-saving STARS flight in 2016. Since 2017, we’ve been honoured to be presenting sponsor of the annual Night with STARS Gala fundraising event, and have members of our senior leadership team participating in the annual STARS Rescue on the Prairie fundraising competitions in both 2017 and 2018.
The Alzheimer’s Society and Diabetes Canada are just two of the organizations we have also assisted in recent years in their work to provide awareness, support and education to patients as they work to find cures and prevent these diseases.
Big Bike
Promoting wellness
We’ve been title sponsor of the GMS Queen City Marathon since 2017.  This wellness-focused annual event promotes ‘a race for every pace’, engaging the Regina community and visitors from across North America with three days of races for all ages and abilities. We also support and encourage our staff to get involved in the GMS QCM.  In 2018, more than one-third of staff walked or ran in at least one event and even more staff and family members volunteered, so that well over 60 ‘GMSers’ actively helped make the GMS QCM a success.

QCM
Employee volunteerism
GMS employees embrace volunteer opportunities to give back as part of our corporate charitable giving, including volunteering for the Night with STARS Gala and the HRF Four Seasons Ball.  They also eagerly volunteer for fundraising activities that provide an opportunity to be active and have fun, including the Heart and Stroke Big Bike and the YMCA’s Endless Cycle, which helps vulnerable children in the community access YMCA programs and services.

Our employees also make use of the opportunity to give back provided through our Employee Volunteer Policy. Staff can use one paid work day annually to take part in blood donor clinics, volunteer with organizations from the Food Bank to Diabetes Canada, along with other health and wellness-related charities of their choice.

Meet our Executive Team
John Salmond
John Salmond photo
John is the President and CEO of GMS and GMS Insurance Inc. He joined the GMS Executive Team as Vice President, Sales & Marketing serving in that role for more than three years before being appointed President.

As head of GMS Sales and Marketing, he was the driving force behind launching the GMS LivingWell social media channels, the enhancement of the product lineup, investing in technology for customers and brokers, and most importantly continuing GMS’ legacy of community investment. In 2018, GMS donated over one million through the community matching program to the Hospitals of Regina Foundation, raising over three million in support of trauma care initiatives.

John moved to Saskatchewan from Waterloo, ON, and has a B.A. in Political Science from Wilfrid Laurier. He and his wife Semoine have been married for 19 years and have a daughter.

Balvinder Gill
Balvinder Gill photo
Bal is GMS' Vice President of Operations, reporting to the President and CEO. She is responsible for GMS’ administration, call centre, health and travel claims and quality improvement teams.

Before her appointment to the senior leadership team, Bal was Director of Human Resources for GMS. She brings over 25 years of senior expertise to her Vice President's role, including 18 years with Lloyd’s TSB Group, a United Kingdom bank with international operations, and three years with Viterra, the international Agribusiness company. During her time with these organizations, Bal oversaw major business transformation and change management initiatives to support business acquisitions and integrate operations. She also honed her expertise in talent and performance management, employee engagement and strategic HR planning.

Bal is a graduate of the University of London, with a B.A. in Economics and Social Policy, and a member of the Chartered Institute of Personnel and Development. She is also a past board member with the Regina Food Bank.

Sarah Johnston
Sarah Johnston photo
Sarah is GMS' Vice President of Sales and Marketing and reports to the President and CEO.  As a member of the senior leadership team, she oversees our national sales team, broker administration, distribution strategies, marketing operations, and product development for all product lines, Visitor to Canada, Group Benefits, Individual Health and Travel Insurance.

She began her over 20 year insurance career in the Property and Casualty (P & C) business as a Personal Lines Insurance Broker. After completing her Bachelor of Commerce Degree from the University of Saskatchewan majoring in human resources, Sarah moved into Group and Employer Benefits with Saskatchewan Blue Cross. There she held a number of increasingly senior HR roles, working in recruitment, training, employee benefits, compensation and organizational development, while earning designations as a Chartered Professional in Human Resources (CPHR) and a Compensation Management Specialist (CMS). As part of the Blue Cross Management team Sarah led the Individual Product and Sales Division, where she oversaw Personal Health, Travel and Life Benefits, product development, broker & direct to consumer sales in addition to outbound customer service and operations.

Sarah’s volunteer activities reflect her passion for building relationships, understanding consumer behavior strategy and giving back to her community. Currently, she serves on the Board of Directors for Chartered Professionals in Human Resources (CPHR) and sits on the Regional Council for the Canadian Pension & Benefits Institute (CPBI). She volunteers with a variety of causes like STARS Air Ambulance, where she was recently one of a team of five senior business people in Saskatchewan challenged to raise over $500K in one day to help keep STARS in the air.
Table of Contents
1 ACCESSING THE PORTAL .............................................................................................................................. 1
1.1 LOGIN & LOGOUT.................................................................................................................................. 1
1.2 RESET YOUR PASSWORD....................................................................................................................... 2
2 THE CLIENT................................................................................................................................................... 2
2.1 SEARCHING FOR A CLIENT..................................................................................................................... 2
2.2 CREATING A NEW CLIENT...................................................................................................................... 3
2.3 EDITING CLIENT INFORMTION .............................................................................................................. 4
3 THE POLICY................................................................................................................................................... 4
3.1 ISSUING A POLICY.................................................................................................................................. 4
3.2 ISSUING A RELATED POLICY .................................................................................................................. 6
STANDARD PRODUCTS.................................................................................................................................... 7
3.3 VTC (Including Super Visa) ........................................................................................................................ 7
3.3.1 WAITING PERIOD ........................................................................................................................... 7
3.3.2 ELIGIBILITY QUESTIONNAIRE.......................................................................................................... 8
3.3.3 FAMILY COVERAGE......................................................................................................................... 9
3.3.4 PAYMENT SELECTION..................................................................................................................... 9
3.3.5 PLAN SELECTION/COMPARISON.................................................................................................... 9
3.3.6 MEDICAL QUESTIONNAIRE........................................................................................................... 10
3.3.7 ADDING OR EDITING BENEFICIARY .............................................................................................. 11
3.4 INTERNATIONAL STUDENT.................................................................................................................. 12
3.5 OUT OF PROVINCE TRAVEL ................................................................................................................. 12
4 PAYMENT ................................................................................................................................................... 16
4.1 PREMIUM PAYMENT........................................................................................................................... 16
4.2 CONFIRMING PAYMENT...................................................................................................................... 19
4.3 RE-ALLOCATING PREMIUM................................................................................................................. 20
5 THE MEDICAL QUESTIONNAIRE ................................................................................................................. 22
6 SENDING THE POLICY DOCUMENTS........................................................................................................... 23
7 REVIEWING A POLICY................................................................................................................................. 24
7.1 SEARCHING YOUR POLICIES ................................................................................................................ 25
8 QUOTING A POLICY .................................................................................................................................... 25
9 CHANGE REQUESTS.................................................................................................................................... 26
Berkley Canada’s Travel Portal Instructions Version 4.2
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE ..................................................................... 26
9.2 ISSUING A REFUND.............................................................................................................................. 27
9.3 CHANGING THE POLICY EFFECTIVE DATE ........................................................................................... 27
9.4 REMOVING ONE CLIENT FROM THE POLICY ....................................................................................... 27
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA................................................................ 28
10.1 CHANGE REQUESTS MUST INCLUDE................................................................................................. 28
10.2 CHANGE REQUESTS EXAMPLES......................................................................................................... 28
10.3 OTHER TIPS........................................................................................................................................ 29
11 FREQUENTLY ASKED QUESTIONS (FAQ)................................................................................................... 29
12 CONTACT US............................................................................................................................................. 31
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 1 of 31
1 ACCESSING THE PORTAL
Browser Requirements:
 Use Google Chrome 30 or higher
 Internet Explorer 11 or higher
 Mozilla Firefox 27 or higher
 Safari 8 or higher
1.1 LOGIN & LOGOUT
1. Navigate to: https://berkley.niscloud.ca/
2. The following will be provided to you by Berkley prior to your first login:
 Organization
 Username
 Password
3. You will be prompted to change your password on your first login
Haven’t Received Your Login Credentials? Contact: travelportal@berkleycanada.com
4. Logout by clicking on the settings icon on the top right of the task bar 
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Page 2 of 31
1.2 RESET YOUR PASSWORD
Troubles logging in? Try resetting your password using the Forgot your password function on the sign in page:
 Enter your username and email address to have a new temporary password emailed to you.
 If you are not able to re-set your password, please contact travelportal@berkleycanada.com
 Your password will be reset within 24 hours, during regular business hours:
Monday to Friday from 09:00 AM to 05:00 PM Eastern Time
2 THE CLIENT
Before you can provide a quote or issue a policy, your client must be entered into the system. Your
client’s full name, date of birth, email address, telephone number and address in Canada, including their
postal code and province are required.
2.1 SEARCHING FOR A CLIENT
1. Prior to providing a quote or issuing a policy, it is recommended that you search for the client to
check if their details has been entered into the system. On the home page, under the Client
Search tab, enter the client’s name or other details. Check the Search all checkbox to refine
search
2. Click on the button once the information has been entered:
3. No Results will populate if the client has not yet been created.
4. If the search is successful, a list of clients that match your search details will display. Select a name by
clicking on the hyperlink. Multiple results may display based on the information you entered.
5. You will then be directed to the Client Screen to view the client’s details and policy information.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 3 of 31
2.2 CREATING A NEW CLIENT
If the client has not already been created in the system, you can proceed by creating a new client.
1. Choose Create New Client.
Enter all information under the General tab. You cannot create a client who is less than 15 days
old or more than 90 years old.
2. Once all information has been entered, choose the Mailing address tab.
3. Enter all information in the Mailing address tab. This is the client’s Canadian address.
4. All information with a red asterisk * must be completed for the Create button to turn blue.
5. For your confirmation documents to populate with all the information, be sure to enter your
client’s full name, their address, including postal code, province and city, in addition to their
telephone number and email address.
6. Click Create once you have confirmed all information is correct and you will be taken to the client
screen. This is confirmation the client has successfully been created.
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2.3 EDITING CLIENT INFORMTION
It is possible to make changes to the details of existing clients either before or after a policy has been
issued for them.
1. Search and select the client using the Client Search function on the Home Page.
2. Edit the client information as needed on the client screen by entering the corrected information.
3. Click the Save button located at the bottom right of the screen.
 CHANGES TO THE CLIENT’S NAME OR DATE OF BIRTH CANNOT BE COMPLETED BY THE USER
 IF THE CLIENT DOES NOT HAVE AN ACTIVE POLICY, YOU MUST RECREATE THE CLIENT
 IF THE CLIENT HAS AN ACTIVE POLICY, SUBMIT A CHANGE REQUEST TO:
travelportal@berkleycanada.com
 INCLUDE THE CLIENT NAME AND A COPY OF A LEGAL DOCUMENT SHOWING THE CORRECT
INFORMATION (PASSPORT AND/OR DRIVERS LICENCE) IN THE REQUEST
 WE WILL RESPOND TO YOUR REQUEST WITHIN 48 HOURS DURING REGULAR BUSINESS HOURS:
Monday to Friday From 09:00 AM to 05:00 PM Eastern Time
3 THE POLICY
Once a client is set up, you are ready to go ahead and issue a policy.
3.1 ISSUING A POLICY
On either the Client Page or the Homepage, choose the Policy Type you want to sell under the Productstab.
1. Within the Details section, click the First date of cover. The maximum trip length is 1 year for all
policy types. The Trip Duration and Last day of cover will automatically default to one year for
the ‘International Student Policy – Annual’ the ‘VTC (Including Super Visa)’ and the ‘Out of
Province Travel’ plans.
2. Alternatively, choose the First date of cover and the Last day of cover for less than 1 year of
coverage. The last date of cover will automatically update for Single Trip plans.
3. Another alternative is if you enter the First date of cover and the Duration of the trip, the Last
date of cover will automatically populate.
The effective date cannot be more than 180 days in advance of the date the policy is issued
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4. If you search and select, or create a client, the client name should automatically populate in the
Selected Clients section.
If the client does not populate, click Quick Add to add a new client, or Search for an existing client.
5. To search for an existing client, use the Search button to add a client that has already been
created in the Travel Portal.
6. Search by Client details. Click on the Client Name hyperlink to add them to the policy.
7. To create a new client, click Quick Add and enter the full name and date of birth of the client.
The Age will automatically populate. Enter the Client Country and the Province under the
tab according to their address in Canada. If the Quick Add button is used to add a
client, the system will prompt you to add additional client details of the first named insured when
you issue the policy.
8. Choose Quick Add again to add multiple clients.
9. Click the x to remove a client.
10. Click the magnifying glass to see further client details or search additional clients.
Berkley Canada’s Travel Portal Instructions Version 4.2
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All clients travelling under the same policy must have the same effective and departure date
from country of origin
3.2 ISSUING A RELATED POLICY
A new policy can be issued from an existing and in force policy.
1. Navigate to the existing in force policy under My Latest Policies or by using the search function
described in Section 2.1.
2. Go Click Actions and then Select Issue Related Policy.
3. Select the Standard Product in which we are creating a related policy for. The product must be the
same as the existing policy.
4. Enter the First date of cover, Last date of cover, and Departure Date from Country of Origin.
5. Re-confirm the answers to all applicable Questionnaires and the coverages.
6. Click Go to approval.
7. You have two options to select after selecting
 : The policy will remain in quote status
 : The policy will be issued, however not yet paid until you register payment
8. Once quote or policy has been issued, the original policy number will appear in the Related
Policies and Quotes section on the right side of the new policy screen.
9. The original policy will also appear in the Confirmation of Insurance or Quote Summary document
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 7 of 31
STANDARD PRODUCTS
All available Standard Products are under the Products tab on the left side of the Homepage.
3.3 VTC (Including Super Visa)
1. To issue a Visitors to Canada Single Trip or Super Visa policy, click on the VTC (Including Super
Visa) hyperlink as shown below.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to one
year in the future. You can change the Last day of cover to a Trip Duration of less than 1 year.
Enter the client’s Departure Date from Country of Origin.
3.3.1 WAITING PERIOD
A Waiting Period is applied if the policy is purchased after departure from the client’s country of origin.
I. There is no coverage for any sickness, that began, or for which you experienced symptoms,
during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
II. Coverage for any injury that occurred is limited to 50% of eligible expenses, during:
a) 48-hour period following the effective date of policy if insurance is purchased within 30
days after departure from country of origin
b) 8-day period following the effective date of the policy if insurance is purchased more than
30 days after departure from country of origin
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The Waiting Period will be waived if the policy is purchased on or prior to the expiry date of an existing
Berkley Travel Visitors to Canada Travel Policy.
3.3.2 ELIGIBILITY QUESTIONNAIRE
1. The Eligibility Questionnaire confirms all travellers meet the VTC (Including Super Visa) Eligibility
Requirements. Click the Start Questionnaire hyperlink from the Questionnaires section.
2. The Eligibility Questionnaire will populate in a new window. Review the Eligibility Requirements
with the client and select either the Yes or No radio button.
Failure to meet the eligibility at the time the policy is issued will result in the policy being void.
This will cause the client’s policy to be terminated and any claim submitted being denied.
3. The Finish button is enabled when the user selects either the Yes or No radio button. If the user
selects No and clicks Finish, the following message will display below.
The user will have to remove the ineligible traveller, and re-answer the questionnaire. The policy
and/or quote cannot be issued until all ineligible travellers are removed from the policy.
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Note: The Eligibility Questionnaire must be re-confirmed for the following policy transactions:
 When Using ‘Replace Situation’
 When Editing Coverage Details in Quote
 When Issuing a ‘Related Policy’
3.3.3 FAMILY COVERAGE
1. If this Policy is for a family (maximum of 2 adults up to age 74 and any number of children), then
check the Family Coverage checkbox and the rating will be amended. Family rates are two times
the eldest traveller.
3.3.4 PAYMENT SELECTION
1. You have the option to select the Payment Frequency for monthly payments or a one lump sum
payment. Monthly payment is only available for annual policies with a minimum Policy Limit of
$100,000. You also have the option of selecting Super Visa radio button, which will provide you
with the minimum requirements to purchase a Super Visa policy, and for your client to be eligible
for the monthly payment plan.
If the Monthly Payment Frequency is selected, a $10 monthly term fee will apply
3.3.5 PLAN SELECTION/COMPARISON
1. Select the Show premium comparison check box to view the cost for each coverage type. Note
that if the amount for a coverage type is displayed as 0.00, it is because that coverage type is not
available for your client.
2. Select a value from the Select Plan Type dropdown list: Standard, Premium or Enhanced
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3. Select Policy Limit and Deductible amount.
 Refer to the policy wording for full details of policy coverages, eligibility and exclusions
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates become available when there is at least one insured over the age of 30 and
at least one insured under the age of 20. Family rates provide coverage for up to two
adults, and any number of dependent children under age 21.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the medical declaration (if applicable) will
determine the coverage available to the client.
3.3.6 MEDICAL QUESTIONNAIRE
1. If the client is 75-84 years of age, a medical questionnaire must be completed. The system will
prompt you to complete the medical questionnaire. Click Start Questionnaire to begin
2. The medical questionnaire will generate in a pop up window. See section titled The Medical
Questionnaire on page 22 for further instructions.
3. Once all of the policy details are entered, the Total Premium of the policy will appear on the
bottom left of the screen. There is a minimum premium of $20.
4. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale.
If you cannot ‘Go to approval’ you have either selected a coverage limit or plan type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
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3.3.7 ADDING OR EDITING BENEFICIARY
You must enter the full name of Beneficiary, the Beneficiary Age, and Relationship to the Insured via
freeform fields and drop-down menus. The beneficiary does not have to be related to the insured.
All 3 fields must be filled in or else a message will appear as shown below.
Once the policy has been issued, the beneficiary will appear in the Quote Summary and/or Confirmation
of Insurance fulfillment documents alongside the Insured as shown below.
Once a beneficiary has been added to the policy and you would like to edit the beneficiary information
(Name, Date of Birth, and Relationship to Insured):
1. On the main policyholder screen, go to Actions, and click Replace Situation
2. On the bottom of the screen, you can edit any of the beneficiary information (Name of
Beneficiary, Beneficiary Age, Relationship)
3. After you have confirmed these changes, select Go to Approval on the bottom right side of the
screen
4. On the next screen, select Change to make the change in information
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3.4 INTERNATIONAL STUDENT
Follow the steps described in Sections 1 & 2. Then:
1. To issue an International Student Single Trip or Annual policy, click on the ‘International Student
Policy – Annual’ or ‘International Student Policy – Single Trip’ hyperlink as shown below.
2. Choose the Coverage Selection from the dropdown menu under the Structures tab
3. Confirm the Selected Clients, Details and the policy Structure are correct and click
Go to approval
4. Refer to the policy wording for full details of policy coverages, eligibility and exclusions
REMINDER: The policy premium is calculated based on the appropriate rate table using the client’s
age on the policy effective date, not the date of sale
3.5 OUT OF PROVINCE TRAVEL
Follow the steps described in Sections 1 & 2. Then:
1. To issue an Out of Province Travel policy, click on the ‘Out of Province Travel’ hyperlink as shown
below.
REMINDER: The Out of Province Travel product is currently only available for clients up to age 54.
2. Enter the First date of cover. This date cannot be in the past. The Last date of cover will default to 365
days in the future. You can change the Last day of cover to a Trip Duration of less than 365 days.
You are able to confirm the Trip Duration under the Structure tab
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REMINDER: The maximum Trip Duration may be limited by the Coverage you have selected
3. In addition to entering the first and last date of coverage in the details section, the Area level to
where the insured is travelling must also be entered.
If the entire trip will be in Canada, the Canada option should be selected.
If the trip is only to the USA or if the client will be travelling through the USA for more than 5
days, the Worldwide including USA option should be selected.
If the trip is outside of Canada, but does not include any travel within the USA, Worldwide
excluding USA should be selected.
REMINDER: It is important that you select the correct Area level based on where your client is
travelling. If the trip is only to the USA or if the client will be travelling through the USA for more
than 5 days, you must select Worldwide incl. USA, otherwise any claims may be denied.
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4. You will now confirm if all travellers insured under the policy are eligible for the Out of Province
Travel product. Open the Eligibility Questionnaire tab by clicking on the arrow button ‘^’
Click Start Questionnaire
The Eligibility Questionnaire will launch in a new window.
Click Yes if all travellers are eligible to purchase the policy. Click No if all travellers are not eligible
to purchase the policy. Once you have selected your answer click Finish. You will receive
confirmation that you have completed the Eligibility Questionnaire.
If No has been selected, any traveller not eligible to purchase coverage must be removed from
the policy. You will not be able to issue the policy until all travellers meet the Eligibility
Requirements.
REMINDER: You will not be able to proceed with entering the traveller’s coverages until you have
completed the Eligibility Questionnaire. Read all the questions carefully. Failure to meet the
Eligibility Requirements will result in the policy being Void.
5. Enter the Departure Date. If the Departure Date is prior to the First date of cover a 48-hour
Waiting Period may apply.

6. Enter the total Trip Cost for all travellers under the policy. The Trip Cost must not exceed
$15,000.
REMINDER: The Trip Cost must be entered if Non-Medical Coverage or All Inclusive Coverage
have been selected to have coverage for any prior to departure Trip Cancellation benefits. Refer
to the policy wording for full details of the Trip Cancellation benefits. 
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7. If this Policy is for a Family (maximum of 2 adults up to age 54 and any number of children under
age 21), then check the Family Coverage checkbox and the rating will be amended.
8. Select a Deductible from the drop down menu. All travellers must have the same Deductible.
9. Select your Coverage Type: Medical, Non-Medical or All Inclusive. Only one Coverage Type can
be selected.
 The total Premium for all travellers insured under the policy will populate under each
Coverage Type.
 The total Premium by traveller will populate at the bottom of the screen.
 REMINDER: The policy premium is calculated using the appropriate rate table, and based
on the client’s age on the policy effective date, not the date of sale.
 Family Rates provide coverage for up to two adults, and any number of dependent
children under age 21.
 Group Rates provide coverage for more than 10 travellers insured under the same policy.
The system will automatically apply the discount to the Total Premium.
 A discount will be applied to the premium if a deductible is applied to the policy.
 Certain age bands and product types may require a minimum deductible. The system will
prompt you to enter it. No discount will apply in these cases.
 The client’s age band and answers to the Eligibility Questionnaire will determine the
coverage available to the client.
10. Click on the See Benefit Compairson hyperlink to compare the benefits under each plan.
REMINDER: Refer to the policy wording for full details of policy coverages, eligibility and
exclusions
11. Once all of the policy details are entered under, the Total Premium of the policy will appear on
the bottom left of the screen. There is a minimum premium of $20.
12. Once you have confirmed all information is correct, and you have the correct coverage type, sum
insured and deductible, you can click Go to approval to complete the sale. 
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If you cannot ‘Go to approval’ you have either selected a Coverage Limit or Plan Type that your client is
not eligible for OR you have not filled out all mandatory fields. Follow the instructions provided to you
in the Messages pop up window at the bottom of the screen to proceed.
4 PAYMENT
Once the policy has been issued, payment must be made. Even if the effective date is in the future, the
premium is due at the time the policy is issued.
4.1 PREMIUM PAYMENT
Payment method is defaulted to Credit Card and is processed using Moneris.
1. Visa or MasterCard can be used. American Express (AMEX) AND Visa and/or MasterCard gift
cards and debit cards are not accepted. Payments made by these cards will be declined.
2. Choose Payment frequency from the drop down menu.
Reminder: Only the Visitors to Canada Super Visa is eligible for the Monthly Payment frequency
option.
Add a Billing Actor if the credit card holder is different than the named insured.
3. You can expand the Policy Structure by clicking on the + symbol to view the details of the policy,
including coverage amounts, benefits, limits and exclusions:
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4. You can then choose to issue the policy:
IMPORTANT
ONLY CLICK ISSUE ONCE
Once you click ISSUE, this policy becomes active and payment is due
DO NOT ENTER DUPLICATE POLICIES FOR THE SAME INSURED WITHOUT CANCELLING THE FIRST
POLICY BEFORE ITS EFFECTIVE DATE.
Instructions to cancel a policy are on Page 27
Instructions to view all your policies are on Page 25
5. You will then see a breakdown of the payment schedule, as seen below. You must then choose
which payments to pay. Check the box underlined in red below to select each payment.
6. Choose Register
7. You will then be directed to the Moneris payment page where you will be prompted to enter the
Cardholder’s Name, the Card Number, the Expiry Date (MMYY), and the Card Security Code.
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Mandatory fields are marked by a *. Failure to enter one of these fields will result in an error
message, and you will be prompted to enter the required credit card information to proceed.
The credit card’s CVD – Card Validation Digits must be entered in the Card Security Code field.
When you hover the mouse pointer over the question mark (indicated by the red arrow below, a
pop up screen will display that provides additional information about the CVD.
You will only need to enter the CVD on the initial payment.
Choose Process Transaction and you will be taken to the Policy Page where you can confirm the
payment went through.
IMPORTANT: Only click Process Transaction once.
• Google Chrome 30 or
• Internet Explorer 11 or
• Mozilla Firefox 27 or
• Safari 8 and higher are required
8. You will then be taken to the Policy Page where you can review the payment history. 
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4.2 CONFIRMING PAYMENT
1. If payment is successful, then in the top left corner, the Policy page will show:
2. Under the Finance tab, choose Billing to review the payment details further. The payment date,
credit card information, and payment amount will be shown.
3. If payment is declined or unpaid, you will see Unpaid Policy:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley Travel. You must register
the payment within 7 days. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
If agent receives a decline message in WebAgent when registering a credit card payment, please
verify the client address and credit card expiry date are correct.
If you do not intend on paying for the policy before the effective date,
YOU MUST CANCEL THE POLICY.
Do not issue a duplicate or replacement policy until the original is cancelled.
If you need to amend the policy effective date, you can do so prior to the policy effective date.
If your credit card has declined, follow up with your credit card provider for more information.
Instructions to cancel a policy are on Page 27
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4.3 RE-ALLOCATING PREMIUM
When there is unused premium On Account, you can apply that premium to an unpaid invoice on
another policy.
1. Confirm that there is indeed unused premium On Account that can be applied to another policy.
If the On Account balance is a negative balance from the Policy Information section, the balance
can be applied as shown below:
2. Once confirmed that we can re-allocate the balance On Account, select the Payment dropdown
and select Re-allocate funds.
3. You have two options with allocating the premium to the specific policy
a. By Related policy – If you have issued any related policies, you will be able to select the
policy from the dropdown Holder’s policies, as shown below
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b. Searching the policy manually – You can manually type in an issued policy number in the
Search policies by organisation and the policy number should automatically populate, as
shown below:
4. Once you have generated the policy in which you want to allocate the premium to, select the
invoice to pay and Click Register.
5. You can check if the re-allocation has been applied correctly by going to the Finance tab, select
Transactions and a Re-Allocation transaction should appear. 
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5 THE MEDICAL QUESTIONNAIRE
1. When you are entering a Visitor to Canada (Including Super Visa) policy for a client 75-84 years
of age, you are required to complete the Medical Questionnaire.
2. The portal will automatically display the Questionnaire. Choose Start Questionnaire.
3. The Questionnaire will display in a pop up window.
4. If there are multiple clients between 75-84 years of age travelling under the same policy, a
Medical Questionnaire must be completed for each client:
5. If Yes is selected for any of the questions, you will receive a message advising that the client is not
eligible for coverage for pre-existing medical conditions:
You must select the Finish button on the right of the message to acknowledge you have read and
understood the message. 
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6. If No is selected for all of the questions within the Medical Declaration, the client has the option
to exclude coverage for pre-existing conditions by checking the check box indicated below.
You may then select at the bottom right of the screen once all these fields have
been entered to issue the policy and select the payment option.
REMEMBER: DUE TO THE STABILITY PERIOD, REVIEW THE ANSWERS TO THE MEDICAL
QUESTIONNAIRE IF THE EFFECTIVE DATE OF THE POLICY HAS CHANGED
FAILURE TO ACCURATELY ANSWER THE MEDICAL QUESTIONNAIRE WILL RESULT IN THE POLICY
BEING VOIDED FOR NON-DISCLOSURE
6 SENDING THE POLICY DOCUMENTS
1. Once you have issued a policy, you must then send the client the fulfillment documents
(confirmation of insurance, policy wording, and wallet card). To do this, scroll down to the
Fulfillments tab and expand it:
2. Choose Delivery Method – you can email the client directly, email the documents to yourself, or
print the documents yourself
3. Enter the client’s name in the Attention to field
4. The From email address will populate with your client’s email address. You can add additional email addresses.
5. The email Subject and body will pre-populate based on the template selected.
6. Check each box to attach all three documents – Confirmation Document, Wallet Card and Policy
Wording
7. Click Send
8. You can click the magnifying glass shown below in the red box to manually download the
documents:
9. You can confirm the documents sent when you see the below:
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REMINDER: Spam filters may delay the Policy Documents e-mail
10. The Confirmation Document will confirm, again, if the policy has been paid.
11. All Policy Documents can be issued multiple times.
CONFIRMATION OF INSURANCE DOCUMENTS MUST BE SENT TO THE CLIENT:
 ONCE A POLICY HAS BEEN ISSUED OR
 WHEN ANY CHANGE IS MADE TO THE POLICY
7 REVIEWING A POLICY
Once a policy has been issued and paid, you can review the policy details.
1. The Policy Timeline reflects the policy duration and current status:
2. Choose Policy Log to view the policy transaction history. Click the arrow to expand each section.
3. The Policy holder information shows the client details of the first named insured.
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4. You can add a note to the policy under the Notes tab. Enter the note and choose Save
5. You can review the financial details under the Finance tab. This will display the premium amount
and any applicable fees and taxes.
6. The Policy Structure tab provides a summary of the policy’s coverage limits and benefits.
7.1 SEARCHING YOUR POLICIES
You can access issued policies to view the details or make changes in a number of ways.
1. Navigate to the home page by clicking the Berkley Logo in the top left corner.
2. Choose My Latest Policies to view a list of all your policies.
3. Choose Open Quotes to view a list of all of your pending quotes.
4. Search for a policy using the search function at the top right of the home page using either the
policy number or the client’s name.

5. Use the Client Search function on the homepage to search by client birthdate, e-mail address,
phone number or e-mail. Note: Check the Search All check box when using this search function
8 QUOTING A POLICY
You can quote a policy prior to issuing it. This allows you to send coverage and premium details to a client
for their review.
1. Select the product and enter the client’s information and policy coverage in the same manner as
for issuing a policy as described in Sections 1, 2 & 3.
2. Click once all information has been entered.
3. Confirm the client details are correct and select the payment plan. Selecting the payment plan
will let you view the payment schedule.
4. You now have the option to select which is next to the button at the bottom
right of the screen.
5. Once you click you will have an active quote and can:
 Review your quotes in the tab at the top of the screen.
 Print or e-mail the document to review the quoted premium and coverage’s
with the client.
 Update the client’s information by clicking on the client’s name.
 Change policy coverage’s or answers to the medical questionnaire (if applicable) by selecting
Replace Situation under the tab at the top of the screen.
 
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Any change to coverage, client information, or answers to the Medical Questionnaire may result in a
change in the quoted premium.
6. To issue a policy from a Quote select at the top of the Quote screen under
You will be required to re-confirm all client information, and the policy payment method and
payment frequency. You will now enter the client’s billing information. Once the policy has been
issued the quote will no longer be available.
Only issue a policy once all client information, policy coverages, payment method, payment
frequency, and billing information have been confirmed.
No coverage is in place on an issued policy until payment has been registered. On the Confirmation
of Insurance Document, the following will be displayed if the policy premium is not paid:
An unpaid policy must be paid for to be a valid policy. You can pay for the policy before the
effective date. Notification of an unpaid policy will be sent by Berkley. The agent has 7 days to
make payment on the policy. If the policy remains in arrears after 7 days, THE POLICY WILL BE
CANCELLED FLAT AND THERE WILL BE NO COVERAGE UNDER THE POLICY.
QUOTES WILL BECOME VOID ONCE THE EFFECTIVE DATE HAS PASSED.
9 CHANGE REQUESTS
This section describes the changes you can process on an issued policy. Any other change requests must
be submitted to Berkley for processing at travelportal@berkleycanada.com
Your request must include:
 The policy number
 The full name of the insured
 Complete details of the requested change, including the effective date
 Any additional documentation to support the request
9.1 CANCELLING A POLICY PRIOR TO THE EFFECTIVE DATE
You can cancel a policy before the effective date.
1. To do so, search for the policy in any of the ways described in section 7.1.
2. Once you have located the policy, choose Actions > Cancel in the top right corner on the policy page:
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The policy will then look like this with the Status: Cancelled
9.2 ISSUING A REFUND
1. Full refunds are available when you have cancelled a policy before the effective date. To process
a refund, navigate to the policy page and cancel the policy (instructions above)
2. Once the policy is cancelled, choose Payments > Request Refund
3. You will then be able to process the refund to the credit card that was used to make the premium
payment. If the credit card that was used to make the initial policy payment has been cancelled,
please contact Berkley at travelportal@berkleycanada.com.
4. Re-issue the Confirmation of Insurance document. The Confirmation of Insurance document is
now the policy cancellation document. It will show the policy has been cancelled.
5. Add a note to the policy.
9.3 CHANGING THE POLICY EFFECTIVE DATE
Prior to the original effective date of the policy, you can change the effective date.
1. Search for the policy using any of the ways described in Section 7.1
2. Choose Actions > Replace Situation
3. Change the First date of cover and the Departure Date from Country of Origin to the new
effective date. The system will automatically change the Last date of cover.
4. Choose Go to approval
5. Confirm the details of the change request are correct, and choose Change
6. Be sure to make any additional payments that may be due. There is no coverage in effect if the
full premium has not been paid.
7. Re-issue the Fulfillment Document, as described in Section 6.
8. Put a note on the policy.
REMEMBER: CHANGING THE EFFECTIVE DATE OF THE POLICY MAY CHANGE THE PREMIUM. PREMIUM
IS CALCULATED BASED ON THE AGE OF THE CLIENT ON THE EFFECTIVE DATE, NOT ON THE DATE THE
POLICY WAS ISSUED
9.4 REMOVING ONE CLIENT FROM THE POLICY
You can remove one client from the policy prior to the effective date of the policy
1. Search for the client in any of the ways described in Section 7.1
Choose Actions > Replace Situation
2. Click the x next to the client to be removed from the policy under the Selected Clients heading
3. Click Go to approval at the bottom of the screen
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4. If you are removing the primary insured, you will have to confirm the Client Information
5. Click Change.
6. You will refund the premium
7. Re-issue the Confirmation of Insurance document
8. Add a note to the policy
10 CHANGE REQUESTS TO BE SUBMITTED TO BERKLEY CANADA
Policy change requests that cannot be processed by you must be submitted to:
travelportal@berkleycanada.com
10.1 CHANGE REQUESTS MUST INCLUDE
 The policy number
 The full name of the insured
 Complete details of the requested change including the effective date
 Any additional documentation to support the request
We will respond to your request within 48 hours, during regular business hours:
Monday to Friday: From 09:00 AM to 05:00 PM Eastern Time
10.2 CHANGE REQUESTS EXAMPLES
Requests to change the effective date after the current policy effective date has passed. A copy of the
insured(s) passport(s) showing the departure date from country of origin and any supporting travel
documentation is required.
 Requests for cancellation after the effective date. A copy of the insured(s) passport(s) showing
the departure date from Canada or their boarding pass is required
 Changes to the insured’s name. A copy of a government issued document (passport, driver’s
licence) showing the insured’s correct name is required
 Changes to the insured’s date of birth. A copy of a government issued document (passport,
driver’s licence) showing the insured’s correct date of birth is required.
 Any other policy change requests after the effective date.
PLEASE NOTE: ANY SUBMITTED REQUESTS THAT CAN BE COMPLETED BY AGENT WILL BE RETURNED 
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10.3 OTHER TIPS
 It is extremely important that you do not create duplicate policies for the same client. Even if
they are unpaid and have different policy numbers.
 Please do not create ‘test’ policies.
 You must pay for policies once it has been issued; otherwise the policy is not active.
 Review the policy prior to sending the fulfillment documents to the client.
 Click the Berkley Logo at the top left of the screen at any time to return to the homepage.
11 FREQUENTLY ASKED QUESTIONS (FAQ)
Answers to some of the most common questions about the Berkley Travel Web Portal
1. Logging-In
Why am I getting an error message when I try to log-in?
If an error message populates when you log-in, click the Forgot your password link and follow the
instructions to re-set your password. See Section 1: Accessing the Portal (page 1) for further
information.
2. Existing Quotes and Policies
How do I access my existing policies if I have to re-issue documents or make a change?
Click My Latest Policies on the Home Page to see all existing policies you have issued. Click on the
Policy Number OR enter the policy number into the Search Bar at the top of the screen and click
the Magnifying Glass to access the policy.
Why is there only one Visitor to Canada product available to me?
You will quote and issue both single trip and super visa policies using the VTC (including Super
Visa) product. See Section 3: The Policy (page 4) for further information.
I’m trying to issue a VTC (Including Super Visa) policy. Why is the option to exclude pre-existing
conditions not available to my client?
Your client is not eligible to exclude pre-existing conditions based on the plan type, the answers
to the medical questionnaire or their age band. See Section 5: The Medical Questionnaire (page
22) for further information.
Can we back-date the policy effective date?
No, agents do not have the permissions to back-date the sales or policy effective date
Why am I getting an error message when I try to issue a quote or policy?
You have either selected a coverage limit or plan type that your client is not eligible for, or you
have not entered all mandatory fields. Follow the instructions provided to you in the Messages
pop up window at the bottom of the screen to issue the quote or policy.
How do I reinstate a client’s policy that had been cancelled?
To reinstate coverage on a client’s policy, please ensure the client is ready and able to make
payment. Then email travelportal@berkleycanada.com and we will review your request to
reinstate coverage. 
Berkley Canada’s Travel Portal Instructions Version 4.2
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3. Premium Payment
Why am I getting a timeout error message when I’m trying to make the premium payment?
Check your browser settings, and confirm your browser meets the minimum requirements. See
Section 1: Accessing the Portal (page 1) for further information. Update your browser settings as
required.
If your browser meets the minimum requirements, check your internet connectivity using:
www.speedtest.com. Follow the instructions provided.
If you meet the browser and connectivity requirements, check for outage and downtime notices
reported by Berkley Travel.
Why do I keep getting the following error message when I try and process a credit card
payment: DECLINED * SYSTEM PROBLEM =CANNOT PROCESS*PLEASE RETRY?
Check the type of credit card that you are using to make the premium payment. Only Visa and
MasterCard credit cards are accepted forms of payment. American Express (AMEX), and Visa and
MasterCard gift cards and/or debit cards are not accepted forms of payment. Payments made by
these cards will be declined.
Why do I keep getting a “not secure” error message when I am processing the premium
payment?
This message will populate if your browser is not one of the following:
• Use Google Chrome 30 or higher
• Internet Explorer 11 or higher
• Mozilla Firefox 27 or higher
• Safari 8 or higher
Berkley Travel does not collect any personal information.
Can I send the client’s credit card information to Berkley to assist with registering payment?
No, for security reasons, credit card data should never be shared through email. If you need any
assistance with how to register payment, please email travelportal@berkleycanada.com
Can I partially pay an invoice off?
You can however the balance unpaid will be outstanding and will be automatically added to any
payment you register or the following automatic withdrawal.
Why can’t I register a premium payment?
You must select at least one invoice to pay before you can proceed with registering the premium
payment. Once an invoice has been selected, the Register button will turn blue, and be clickable.
Berkley Canada’s Travel Portal Instructions Version 4.2
Page 31 of 31
12 CONTACT US
Have other questions/concerns/inquiries?
 Email: travelportal@berkleycanada.com and we will respond to your request within 48 hours
during regular business hours: Monday to Friday 9:00 AM to 5:00 PM Eastern Time. 
Kathy Lamont
Kathy Lamont photo
Kathy is GMS' Vice President, Finance and Chief Financial Officer. Reporting to the President and CEO, Kathy is a member of the senior leadership team. She is responsible for GMS' accounting, finance and treasury operations, and IT infrastructure.

Kathy's career spans more than 16 years in financial services. She has a Bachelor of Business Administration degree majoring in accounting from the University of Regina as well as her Chartered Accountant (CA) and Chartered Professional Accountant (CPA) designations. From a senior auditor position with KPMG Canada, Kathy's move to GMS as a Financial Analyst launched her career in the insurance industry. Following a brief period as a senior Auditor for Saskatchewan Government Insurance, Kathy returned to GMS as Manager and then Director of Finance and Broker Administration before advancing to her current position.

Kathy's current volunteer activities focus on children’s sports and arts programs. A supporter of Toastmasters International, she is a past president of her local Toastmasters club.

Thomas Webb
Thomas Webb photo
Thomas is GMS' Vice-President of Pricing and Actuarial Services. Reporting to the President and CEO, Thomas is a member of the senior leadership team. He is responsible for pricing across all product lines, underwriting, Enterprise Risk Management, as well as GMS’ business analytics and reporting functions.

Thomas has more than a decade of experience in the insurance industry. After completing his Actuarial Science degree at the University of Regina, Thomas joined the Co-operators Group of Companies. There he took on increasing actuarial responsibilities, from managing junior staff contributing to pricing modeling and market analysis for Co-operators Life to leading a team of professionals as Senior Director responsible for Risk and Capital Management for the Co-operators Group. During this time, Thomas also earned professional designations as a Fellow of the Society of Actuaries (FSA) and Fellow of the Canadian Institute of Actuaries (FCIA).

Thomas enjoys volunteering his time as a youth soccer coach and to the Regina Food Bank.

Stephen Newport
Stephen Newport photo
Stephen is GMS’ Vice President of Information Technology and reports to the President and CEO. Responsible for leading digital transformation at GMS, Stephen oversees application and data warehouse development, solutions architecture and solutions delivery, and is committed to positioning GMS as a digital leader.

With over 20 years of senior leadership experience, Stephen has spent the last decade leading digital transformation, product design, web strategy, technology platform design and operations groups for category leaders including Rogers Media and its 157 brands. He gained invaluable insight into the health industry during his time as Vice President, Digital at MediResource Inc. – a health information provider that reaches over eight million unique visitors a month with content and personalized health information products across Canada and the United States. Prior to GMS, Stephen held the position of Vice President of Digital Solutions & Innovation at Economical Insurance & Sonnet Insurance and owned Sonnet.ca as a digital platform.

A Trent University graduate, Stephen is passionate about digital technology and supporting its growth within GMS. 

Leah Reid
Leah Reid photo
Leah is GMS’ Director of Human Resources, reporting to the President and CEO. She oversees all things culture and employee experience, including HR operational functions.

A life-long experiencer of food and wine, Leah started her career in the wine industry working in sales for a national boutique wine agency in Vancouver. She would later transition to head up the HR department for the same company. Returning home to Regina after 10 years in Vancouver, Leah took on a new challenge with Korn Ferry Hay Group where she worked as Leadership and Reward consultant for several years. Passionate about enabling people to achieve their true potential Leah is excited by the current and future challenges impacting the world of work.

Leah completed a degree in Business Administration with honours at the University of Regina. A Chartered Professional in Human Resources (CPHR), and certified in multiple leadership and learning assessment tools, she is always looking for her next learning opportunity.


All Inclusive
All Inclusive Canada
Emergency Medical
Youth Premier
Available to travellers 74 years of age and under on their departure date
Available for covered trips of 21 days or less
Exclusions: - Super Visa Insurance / Visitor to Canada
Plan A - THIS POLICY DOES NOT COVER PREEXISTING HEALTH CONDITIONS.
Plan B - Any sickness, injury or medical condition (other than a minor ailment)
 that existed prior to the effective date other than:-
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the 180 days
 prior to the effective date.
b) Age 71-80When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
 i. Any sickness, injury or medical condition that was stable in 180 days prior
 to the effective date
 ii. any of the following Pre-existing Conditions that were present on Your Start Date:
 Any heart condition including but not limited to heart attack, angina, arrhythmia or
 cardiac surgery;Why TuGo Travel Insurance?
TuGo isn’t just any Canadian travel insurance provider. The most important part of our business is you! We specialize exclusively in insurance and assistance for travel’s ups and downs.

Looking for travel insurance tips and travel inspiration?
Visit the TuGo Travel Blog for travel stories, inspiration, and travel insurance tips. Our writers share their expertise, dishing on all things travel—with a dash of misadventure too.
 Any brain condition including but not limited to stroke, transient ischemic attack (TIA),
 mini-stroke, aneurysm or seizure;
 Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD),
 asthma, chronic bronchitis or emphysema.
Continued…
Comprehensive- Any sickness, injury or medical condition (other than a minor ailment) that
 existed prior to the effective date.When should my customers buy travel insurance?Collapse
Your customers can buy coverage before leaving on their trip. They can choose from a Multi Trip Annual Emergency Medical Insurance plan, Single Trip Emergency Medical Insurance plan or an All-Inclusive Holiday Package to cover their entire trip. This will include the day they leave and the day they return. If they’re visiting Canada, your customers can buy our medical coverage or holiday package insurance at any time.
a) Up to Age 70 – Any sickness, injury or medical condition that was stable in the
 120 days prior to the effective date.
b) Age 71-80 Any sickness, injury or medical condition that was stable in
 180 days prior to the effective date
Note – Exclusions are determined based on the age of insured on the arrival date
 i.e. Policy bought at the age of 70/ If insured Arrives in Canada when his or her age is 71 Exclusions of
 age 71 will apply. Same for age 80/81.
Stable means:-
No new diagnosis, treatment or prescribed medication.
No change in treatment or medication, including the amount taken or frequency.
No new symptoms or more frequent or severe symptoms.
No test results showing deterioration.
Not awaiting test results investigating the condition
307 - 211 Consumers Road
Toronto, ON M2J 4G8

 416-499-1900
 416-499-1901
 Toll Free: 1-855-337-3532
 info@desttravel.com
For clients age 70 to 85 years of age

Eligible to apply for $15,000, $25,000, $50,000, or $100,000 of coverage.
Manulife Travel Insurance for Visitors to Canada is not available to those age 86 or older.

Visitors to Canada plans
Plan A: protection that doesn't cover pre-existing medical conditions*
Meets the requirements of the Parent and Grandparent Super Visa
Allows you to cover your family, too**
Cover $15,000, $25,000, $50,000, or $100,000 to age 85; cover $150,000 to age 69
* Pre-existing medical conditions are defined as conditions that existed or were treated within 180 days of the effective date of the insurance plan.
** All family members must be under 60 years. Dependent children must be at least 30 days of age.

Plan B: protection with coverage for pre-existing medical conditions
Cover pre-existing medical conditions that have been stable for 180 days prior to the effective date
Cover $15,000, $25,000, $50,000 or $100,000 to age 85; cover $150,000 to age 69*
* Must be at least 30 days old.

Super Visa
Everything you need to know to make the sale – quickly and easily!

It is a visa for parents and grandparents who want to visit their families in Canada for longer periods without having to renew their status. Applicants are required to purchase private Canadian medical insurance valid for at least one year.



Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.
Frequently Asked Questions
GET EVERY SINGLE ANSWERS THERE IF YOU WANT
Here is the list of common coverge :
Fever, Prescription Medications, X-Rays, Ultrasound, Ambulance fee, Repatriation, Doctor Fees, Flu, Funeral cost, Blood Test, Side trips to USA, Mexico and Cuba, Hospitalization, Surgeon fee, Eye exam, Dental claim. Please review your plans for limitations, read policy wordings or Contact us.
We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!
Super Visa Insurance Brampton SVIB (Svib.cAll the deductibles are clients responsibilities if you decided to take deductibles, you need to pay before the insurance companies start paying for the claims.a) is a proud member of Insure In Canada Inc. All the quotes and plan details powered by Insure In Canada. We know, finding the lowest quote for Supervisa Insurance and Visitors medical insurance is your need and our primary focus. We work with all major insurance providers in the industry and work hard for you to make the Super Visa Insurance Brampton process simple and as easy as counting 1, 2, 3. Our portal will help you find an instant quote for your Supervisa insurance and Visitors’ medical insurance. You can compare all the companies in one table, read the plan details in easy terminology. Read our FAQ’s for most of our commonly asked questions. We frequently update our FAQ page as the industry changes. If you still miss or don’t see the answer to the questions you are looking for please feel free to call us at.Super Visa Insurance Toronto For Parents
Super Visa health emergency medical insurance, additionally called travel insurance and visitors to Canada emergency medical insurance. Supervisa insurance to take care of the surprise cost related to emergency medical treatment. Medical price in Canada and the USA is very high, and it’s essential to have the right super visa insurance Toronto plan for parents. At the same time, a Super Visa holder lives in Canada or is on a side-trip in another country.

What is the minimum amount of coverage that I need?
icon-1
You need at least $100,000 of coverage from Canadian Insurance Companies, Coverage needs to be valid for 1 year from the arrival date.

Can I cancel a Visitor to Canada insurance policy and receive a refund?
icon-2
Visitors to Canada Emergency medical policy can be cancelled anytime before the effective date and full refund will be issued.

What happens if my visa is denied?
icon-3
You can get a full refund on your insurance with proof that your visa was denied. If no proof of denial is provided, The insurance company will charge a cancellation fee of up to $250.

What is a Pre-existing Condition in Super Visa Insurance?
icon-4
Pre-existing conditions can be any ongoing medical conditions such as blood pressure, diabetes, heart conditions, arthritis, EPILEPSY. Please discuss your parents and grant parents medical conditions with our licence advisor.

Canadian Insurance Companies
Working with the best has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!

























What are Super Visa Insurance Requirements?
One of the official Super Visa application necessities is private Canadian medical coverage. In this way, the candidate needs to send Super Visa insurance evidence alongside the remainder of the requirements to avail the supervisa for parents

Be legitimate for one year when you send the application to IRCC
Cover emergency medical cost, hospitalization and repatriation
Provide a minimum coverage of CAD 100,000
Be legitimate for every entry to Canada and available for review when asked by the immigration officer.
Supervisa Insurance must be from Canadian Insurance providers.
Get Free Quote Supervisa Insurance and Visitor Insurance
Contact us for more information about our services.

Call Now

SVIB

Supervisa Insurance Brampton works hard to get you the most accurate and lowest possible rates for your Visitors to Canada insurance such as Supervisa Insurance, Emergency Medical Insurance for Visitors to Canada or New immigrants to Canada. Serving Ajax, Brampton, Burnaby, Barrie, Calgary, Edmonton, Hamilton, Kitchener, Mississauga , Markham, Ottawa , Oakville, Richmond Hill, Sarnia, Saskatchewan, Regina, Toronto , Vancouver .

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Visitors Visa Insurance
Insurance ProviderSection POLICY CONTENT Page
I
II
III
IV
...
V
...
...
VI
VII
VIII
IX
X
XI
Eligibility for Coverage
How this policy works
Insurance Coverage
What is covered For
Health Insurance Benefits
Limitations and Exclusions
What is Not Covered For
Health Insurance
General Terms & Conditions
Definitions
Refunds
Emergency Procedure
Claims Procedure
Appeal Procedure
1
2
2
2
2
4
4
4
5
6
7
7
7
8
RIGHT TO EXAMINE POLICY
 Please read Your policy carefully before You travel. If
You are not completely satisfied with this policy, You
may return it by registered mail to the Company within
10 days after purchase and any premium paid will be
refunded. Service fees and administrative charges will
apply and such fees or charges are not refundable.
 Travel insurance is designed to cover Emergency losses
arising from sudden and unforeseeable circumstances. It
is important that You read and understand Your policy
before You travel as Your coverage may be subject to
certain terms, conditions, limitations and exclusions.
 Benefits - This policy covers up to a maximum
aggregate of $200,000 unless You have purchased a
lesser amount as shown on Your Policy Receipt.
 Exclusions for any Pre-existing Condition will apply to
medical conditions and/or symptoms that existed on or
prior to Your Effective Date unless You have selected
to cover any Pre-existing Condition and paid the
corresponding additional premium. (Exclusion # 1).
 Your Application to be covered for Pre-existing
Conditions may be made with Your agent’s assistance.
 Diabetes: If You have been diagnosed with diabetes You
must apply for a policy to cover Your conditions
because losses or expenses incurred for or as the result
of Treatment for heart or stroke conditions will not be
covered if You have diabetes and do not purchase a
policy that covers Your conditions (Exclusion #5).
 Application Process - There is no Medical information
required if You don’t want coverage for Your Preexisting Conditions or if You only want coverage for
Your medical conditions that have been stable for more
than 365 day. If You want coverage for Medical
Conditions that have been stable for less than 365 days,
You must complete a medical questionnaire as part of
Your application to cover Your conditions.
 With respect to policies purchased to cover Your Preexisting Conditions that have been stable less than 365
days: If there are discrepancies in Your medical
declaration or changes in Your health status or
medication, between the time You answered the
qualifying questions on Your application and Your
Effective Date, please contact the office where You
purchased this policy to make the necessary
amendments to Your Application for Insurance. If
Your Application for Insurance contains a material
mistake You run the risk of Your policy being null and
void and Your claim being declined.
 This policy document must be accompanied by a Policy
Receipt to complete the policy.
 Start of Coverage: Coverage starts on the Effective
Date.
 Waiting Period: Coverage for losses resulting from any
Sickness or Injury will begin five days after the
Effective Date if You purchased Your policy after the
Termination Date of an existing HMC policy; or after
You exit Your Country of residence unless You
purchased this policy on the first day of Your current
stay in Canada. Any Sickness that manifests itself
during the five day waiting period is not covered even if
expenses are incurred after the five day waiting period.
 End of Coverage: Coverage ends on the Termination
Date.
 Emergency: In the event of hospitalization or any
Medical Emergency, You are required to contact the
Emergency assistance operator for prior approval of
Treatment or within 24 hours of admission to Hospital
at 1-855-883-6479 or 416-467-4587 (collect). Please
refer to V Limitations and Exclusions, #32.
I ELIGIBILITY FOR COVERAGE
You are eligible for coverage if on the Effective Date:
1.You are at least 15 days old and You are age 89 or under
and not insured or eligible for benefits under a Canadian
Government Health Insurance Plan; and
2.You are currently in good health and know of no reason
why You would require Treatment during Your Insured
Trip; and
3.You are not residing in a nursing home, rest home,
convalescent home, rehabilitation centre or home for the
aged unless You receive written approval from the
Company.
4.You satisfy all eligibility questions listed on the medical
questionnaire and application.
2/8
16/05/2020
II HOW THIS POLICY WORKS
 INSURING AGREEMENT
In consideration of Your Application for Insurance and
payment of the appropriate premium and subject to the terms,
conditions, limitations and exclusions of this policy, the
Company will pay the benefits of this policy, up to the
maximum aggregate limit as shown on Your Policy Receipt
(less any applicable Deductible) for eligible expenses incurred
by You which are in excess of any other insurance or other
amounts; and
(a) Payments are limited to the amounts specified under
each coverage option.
(b) Losses incurred as the result of any Pre-existing
Condition are excluded unless You have paid the
necessary premium and received a Policy Receipt.
(c) No Deductible will apply to claims unless You
select a Deductible for Your coverage and the
premium will be adjusted accordingly.
(d) If Your health changes or does not remain Stable
between the date You submitted Your Application
for Insurance and the Effective Date of coverage,
You may not be covered if a claim occurs. You may
be required to reapply for coverage and if so please
contact Your agent.
(e) Limitations and Exclusions apply (See Section V)
III INSURANCE COVERAGE
SINGLE TRIP COVERAGE
You may apply for coverage for a single Trip up to 365 days.
The Application for Insurance may be completed before or
after You arrive in Canada. A Waiting Period for coverage
will apply if You applied for insurance after Your arrival in
Canada.

EXTENDING YOUR COVERAGE
You may apply for an Extension of Your health insurance
coverage providing You have not incurred a claim in the
period prior to the Effective Date of the Extension coverage.
You wish to purchase. Coverage will be extended at the option
of the Company. Extension coverage will be void and of no
force or effect if a claim has occurred in the period
immediately prior to Your application for Extension coverage.
Minimum premium levels apply. Extension coverage is
effective on the date immediately following the Termination
Date of Your existing coverage provided You have paid the
correct premium prior to the Termination Date of Your
existing coverage.
PLEASE NOTE:
(1) Sports coverage endorsements are available by
application, and
The specific details of Your plan are outlined on Your Policy
Receipt, Your medical declaration, Your Application for
Insurance and the email that delivers your insurance
documents, all of which forms a part of this policy. You will
be responsible for expenses that are not payable by the
Company and no coverage is provided under this policy for
losses resulting from a Sickness or Injury if Your Period of
Stability for that Sickness or Injury is less than 3 months (See
Exclusion # 3).
IV WHAT IS COVERED
Reimbursement will be made for benefits listed in the event of
a Medical Emergency when not excluded under "What is
Not Covered", only to the extent that:
1. Reimbursement is not prohibited by law, nor is it available
or covered under any Canadian Government Health Insurance
Plan, Worker’s Compensation Act or Similar law or legislation
or any other insurance Policy or plan; and
2. The care, services or supplies were provided or obtained on
the written authorization or prescription of a Physician or
Dentist.
3. Pre-existing Conditions may be covered if You have paid
the required premium, and received written confirmation of
coverage from the Company. Individual benefit maximums
apply where specified.
HEALTH INSURANCE BENEFITS
This plan provides Emergency Hospital and Medical
coverage, up to the maximum aggregate limit You selected at
the time of application per any one Sickness or Injury and
subject to any Deductible per Insured. Individual benefit
maximums apply. Losses incurred outside of Canada are not
covered.
1. EMERGENCY HOSPITAL/MEDICAL
TREATMENT - Up to the maximum aggregate limit
purchased and shown on Your Policy Receipt.
Emergency Hospital and Medical Treatment which is
Medically Necessary and other related expenses resulting
from an Injury (accident) or new Sickness or disease that
first manifests itself during the Insured Trip are covered
and Pre-existing Conditions are covered if You have
paid the required premium, and received written
confirmation of coverage from the Company.
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2. EXTENDED HEALTH CARE
The following services or Treatment must be supported
by a written order from the attending Physician.
a) Prescription Drugs (limited to a 30 day supply up to
$10,000)
b) Diagnostic-rays & Laboratory Services up to $10,000
c) Local licensed Ambulance services up to $5,000
d) Private Duty Nursing services performed by a
registered Nurse (R.N.) or Registered Medical
Attendant, other than a relative up to $10,000
e) Wheelchair rental, crutches, braces and other necessary
medical appliances up to $5,000
f) 50% of the costs for the services of a chiropractor,
chiropodist, osteopath and physiotherapist when
referred by a doctor following a covered Injury up to
$1,000.
3. DENTAL ACCIDENT - Up to $2,000 per Trip
The Company will pay up to a maximum of $1,000 for
dental expenses during the policy period when Your
sound natural teeth are damaged as the result of a direct
accidental blow to the mouth.
4. OUT-OF-POCKET EXPENSES - Up to $500 per Trip
Up to $500 for additional out-of-pocket expenses (i.e.,
telephone, television rental) are covered when You are
hospitalized for a covered Medical Emergency.
Expenses must be supported by an original receipt.
5. EMERGENCY RETURN HOME BY REGULAR
FLIGHT OR AIR AMBULANCE - Up to $25,000
In the event of a Medical Emergency, the Company will
pay the costs to transport You to the nearest appropriate
medical facility. If You must be transported to Your
Country of residence for immediate medical attention
following a covered Emergency, the Company will pay
to transport You to Your Country of residence by Air
Ambulance, provided You are unable to return by regular
flight, and prior written approval is obtained from the
Medical Director. If You must be transported to Your
Country of residence for immediate medical attention
following an Emergency, the Company will pay up to a
maximum of $25 000, for the extra cost (i.e., one-way
economy fare, accommodation for a stretcher, and a
medical attendant) to return You by regular flight when
approved by the Medical Director.
6. RETURN OF DEPENDENT(S) - Up to $2,000 per
Trip
If You return home under the terms of Benefits 5 or 9, the
Company will pay up to $2,000 per Trip for the return of
Your Dependent(s) who are travelling with You at the
time of the Medical Emergency if they are named on the
same Application for Insurance.
7. ESCORT OF DEPENDENT(S) - Up to $1,000 per Trip
The Company will pay up to $1,000 per Trip to
reimburse You for the cost of the services of a care giver
(other than a relative) contracted by You to escort Your
Dependent(s) (under the age of 16) to their Country of
residence in the event You are Hospitalized or must be
repatriated
(See Benefit 9) when such services are arranged by the
Company and approved in advance.
8. TRANSPORTATION OF RELATIVE - Up to $2,000
per Trip
If You are hospitalized for a covered Injury or Sickness,
for more than three days, the Company will pay the cost
(up to a maximum of $2,000) of transporting one relative
or other person who is not travelling with You to Your
bedside. (Insurance should be purchased separately for
this person). The Company will also pay for meals and
accommodation for up to a maximum of $100 a day.
9. REPATRIATION - Up to $5,000 per Trip
This Company will pay up to a maximum of $5,000 for
the necessary cost of returning You to Your Country of
residence by regular flight if You are totally disabled as
the result of an Emergency necessitating Hospitalization
of three days or more.
In the event of Your death the Company will pay a
maximum of $5,000 for the cost of returning Your
remains to Your Country of residence or burial or
cremation at the place of death. The company will pay up
to $500 for the cost of an urn or a case to transport the
body.
10. MEALS & COMMERCIAL ACCOMMODATION -
Up to $1,500 per Trip
The Company will pay up to $100 a day when the return
portion of an Insured Trip is delayed beyond the
scheduled date due to a Medical Emergency or death of
Your family member.
11. TRIP BREAK
If You have requested and received prior approval from
the Company or Your Representative, You may return to
Your country of normal residence or take short side trips
outside of Canada without terminating Your policy.
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V LIMITATIONS & EXCLUSIONS
WHAT IS NOT COVERED FOR: HEALTH INSURANCE
No coverage shall be provided under this Policy and no
payment shall be made for any Loss resulting in whole or in
part from, or contributed to by, or as a natural and probable
consequence of, any of the following excluded risks:
1. Any Pre-existing Condition, unless You have been
approved for Pre-existing Condition coverage and
received a Policy Receipt from the Company. The
Pre-existing Condition exclusion will apply to a loss or
expenses resulting from a medical condition symptoms
that existed on or prior to Your Effective Date, unless
You have selected underwriting to cover Your Preexisting Conditions and paid the corresponding additional
premium.
 Any condition that was not Stable at any time during the
365 days immediately before the Effective Date unless
You have paid the additional premium required to reduce
the Period of Stability; or
 Any condition listed under “Exclusions” on Your Policy
Receipt; or
 Any condition listed under “Notes” on Your Policy
Receipt as an excluded condition; or
Check to see how this exclusion applies in Your policy
and how it relates to Your Effective Date, date of
purchase and Termination Date. In the event of an
accident, Injury or Sickness, Your prior medical history
will be reviewed when a claim is reported. You must
notify the Company prior to any Treatment. Your policy
may limit benefits should You not contact the Company
within a specific time period.
2. Diabetes: if You have been previously diagnosed with
diabetes, Treatment for cardiovascular or cerebrovascular
conditions is not covered (excluded) unless You have
purchased a policy to cover Your conditions and received a
Policy Receipt issued by the Company to cover Your Preexisting Conditions.
3. Any loss, Sickness or Injury which occurred outside of
Canada, or any loss, Sickness or Injury which occurred
during the waiting period or any loss, Sickness or Injury
occurring while this policy is not in effect;
4. Hospital or Treatment, where this policy is specifically
purchased to obtain such services, whether or not
authorized by a Physician;
5. Expenses incurred as a result of asymptomatic or
symptomatic HIV infection, Acquired Immune Deficiency
Syndrome (AIDS), AIDS related conditions (ARC) or the
presence of HIV, including any associated diagnostic tests
or charges or other sexually transmitted disease;
6. A Sickness, Injury or related condition during a Trip
undertaken;
a. with the knowledge that You will require or seek
Treatment or surgery for that Sickness, Injury or
related condition, or
b. for the purpose of obtaining Treatment or surgery.
7 Non-Emergency Treatment or investigation, check-ups,
cosmetic surgery, chronic care, rehabilitation, or any
complications directly or indirectly related thereto, or
Treatment which can be reasonably delayed until You can
return to Your Country of residence by the next available
means of transportation. The delay to receive Treatment
in Your Country of residence has no bearing on the
application of this exclusion;
8 Sickness or Injury when travel is booked or commenced
contrary to medical advice, with prior knowledge of an
Unstable Condition, or after determination of a Terminal
Prognosis;
9 Major medical or surgical procedures, including but not
limited to cardiac surgery, which are not approved in
advance by the Medical Director;
10 Expenses arising from Sickness or Injury related to a
change in a pre-approved Pre-existing Condition if You
failed to notify the Company of that change prior to Your
Effective Date;
11 Any Treatment, investigation, or hospitalization which is
a continuation of or subsequent to a Medical Emergency,
unless You are declared medically unfit to return to Your
Country of residence by the Medical Director;
12 Childbirth, miscarriage, deliberate termination of
pregnancy or any complications incident to pregnancy;
13 Mental, nervous or emotional disorders, misuse of
medication, abuse of drugs or intoxicants, any Sickness
related to and/or induced by alcohol, medication, drug
and/or toxic substance abuse, any accident related to
and/or induced by an excessive consumption of alcohol
(determined by a blood-alcohol level in excess of eighty
(80) milligrams per one hundred (100) milliliters of blood)
or Treatment therefor;
14 Suicide or attempt thereat, or self-inflicted injury, whether
sane or insane;
15 Sickness or Injury arising from civil disorders, war or act
of war, declared or not, or willful exposure to peril except
in an attempt to save human life;
16 Committing or attempting to commit any criminal or
illegal activity;
17 Air travel other than as a passenger in a commercial
aircraft with a seating capacity of six people or more,
licensed to carry passengers for hire;
18 An automobile accident where You are entitled to benefits
under an automobile insurance policy (including but not
limited to no-fault benefits), or under an applicable
Insurance Act;
19 Participation in sanctioned competitive sports, professional
sports or, participation in aerobatic or stunt flying, hang
gliding, mountaineering, skydiving, parachuting, bungee
jumping, scuba diving without being properly certified,
extreme fighting, any racing or speed contests unless the
Company has accepted the risk and issued a Rider;
20 For children under two (2) years of Age: Any Sickness or
medical condition related to a birth defect;
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21. Treatment or surgery for a specific condition, or a related
condition, which:
a. had caused Your Physician to advise You not to travel,
or
b. You contracted in a country during Your Trip when,
before Your Effective Date, a written formal notice was
issued by the Department of Foreign Affairs and
International Trade of the Canadian government, advising
Canadians not to travel to that country, region or city;
22. Noncompliance with prescribed medical therapy or
Treatment;
23. a. cardiac catheterization, angioplasty and/or cardio-vascular
surgery including any associated diagnostic test(s) or
charges unless approved in advance by the Company
prior to being performed, except in extreme
circumstances where such surgery is performed as a
Medical Emergency immediately upon admission to
Hospital;
 b. magnetic resonance imaging (MRIs), computerized
axial tomography (CAT) scans, sonograms, ultrasounds
or biopsies unless approved in advance by the Company;
 c. The replacement of an existing prescription, whether by
reason of loss, renewal or inadequate supply, or the
purchase of drugs and medications (including vitamins)
which are commonly available without a prescription or
which are not legally registered and approved in Canada;
24. Services in connection with general health examinations,
routine prenatal care, regular care of a chronic condition;
25. The continuing care and/or Treatment of an acute Sickness
or Injury after the initial Medical Emergency has ended (as
determined by Our Medical Director) or a medical
consultation where the Physician observes no change in a
previously noted condition, symptom or complaint;
26. Medical care or surgery that is cosmetic in nature;
27. Cataract surgery or services provided by a naturopath or an
optometrist or in a convalescent home, nursing home,
rehabilitation centre or health spa;
28. Air ambulance services unless approved in advance and
arranged by the Company;
29. Damage to or loss of hearing devices, eye examinations,
eyeglasses, sunglasses, contact lenses, or prosthetic teeth or
limbs, and resulting prescription thereof;
30. Expenses for which no charge would normally be made in the
absence of insurance or expenses which exceed the
Reasonable and Customary charges for the region where
the services were provided or any loss, Sickness or Injury if
the expense is incurred in Your Country of residence.
31. The Company reserves the right to transfer You to an
appropriate Hospital within our network, provided You are
medically fit to be transferred or to arrange transportation to
return You to Your Country of residence following a
Medical Emergency. If You decline to return to Your
Country of residence when declared medically fit to travel by
the Medical Director, any continuing expenses for such
Sickness or Injury shall not be covered.
32. Failure to contact the Company within the first 24 hours of
hospitalization for a Medical Emergency will limit benefits
under this policy to 50% of any gross eligible expenses
incurred or the maximum liability under this policy will
be limited to $25,000 should you select a maximum
aggregate of $50,000 or greater.
VI GENERAL TERMS AND CONDITIONS
1. The required premium is due and payable at the time of
application (Application Date). Premium will be
calculated according to the schedule of premium rates in
effect on the Application Date based on Your age on the
Effective Date.
2. Policy Terms and Conditions are subject to change with
each new policy purchase, without prior notice, to
reflect actual experience.
3. This policy is void if the Insured makes any false or
fraudulent statements in the Application for Insurance,
the medical declaration, a claim for insurance benefits or
if the Insured is covered under insurance benefits from
any other insurer for this Injury or Sickness claim.
4. Coverage will be null and void if the premium is not
received, if a cheque is not honoured for any reason, if
credit card charges are invalid, if no proof of Your
payment exists or if You did not answer the qualifying
medical questions truthfully, accurately or completely.
The Company reserves the right to decline an
application, or any request for extensions of coverage.
5. No payment is provided for expenses incurred in Your
Country of residence.
6. Benefit limits and premium payments made under this
policy shall be in Canadian currency and no sum
payable shall carry interest.
7. This policy shall be governed by the laws of Canada in
all respects including matters of construction, validity
and performance. All legal actions or proceedings must
be brought in the Canadian Province in which Your
medical services were provided.
8. Co-ordination of benefits and subrogation with other
insurance plans: This policy is designed to pay in excess
of any existing coverage held by You and shall not
substitute for any other coverage which would have
been in effect and would have reimbursed for expenses
incurred if this insurance was not in effect, including but
not limited to, homeowners insurance, tenants insurance,
multi-risk insurance, extended health care insurance,
automobile insurance, credit card Policy or any other
Insurer’s individual Plan.
9. Benefits payable under all policies or plans shall not
exceed 100% of the eligible expenses incurred. If You
acquire any right of action against any individual, firm,
or corporation for a covered loss for which a payment
has been made under this policy, then if requested by the
Company, You shall transfer such claim or right of
action to the Company. The Company shall reserve the
right to subrogate to the extent of the payment made to
all of Your rights of recovery against any third party
who is liable.
10. Notwithstanding any other provision contained herein,
this policy is subject to Statutory Conditions in the
Insurance Act.
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VII DEFINITIONS
"Application for Insurance" means the document which is
completed by You or You were consulted when it was
completed and where You have confirmed Your personal
information as well as the coverage chosen by You for
which You have paid the full and correct premium. This
document forms part of the policy.
"Company" means Industrial Alliance Insurance and
Financial Services Inc. or any party contracted to service
this policy.
"Deductible" means the amount in Canadian dollars, which
the Insured person must pay before any remaining covered
expenses, are reimbursed under this policy. The
Deductible applies once per Insured per Trip.
"Dependent(s)" means any unmarried children residing at
home, who are at least 15 days of age but under age 19 and
who are living with and rely upon You for their sole means
of support.
"Effective Date" means the date, indicated on Your Policy
Receipt, provided the Company or its Representative has
received the appropriate premium. If coverage is purchased
after You arrive in Canada, benefits shall become effective
five days after the date and time the required premium is
received by the Company.
"Emergency" means an unexpected or unforeseeable Sickness
or Injury which requires immediate non-discretionary
medical attention, Treatment or care for the immediate
relief of acute symptom, which upon the advice of a
Physician cannot be delayed until You return to Your
Country of residence.
"Hospital" means a facility equipped to perform surgery, on a
Medical Emergency in-patient and out-patient basis, but
in no event shall this include a nursing home, rest home,
convalescent home, rehabilitation centre, or home for the
aged, a place for the Treatment of alcohol or drug
addiction.
"Injury" means physical hurt or damage sustained
accidentally after the policy Effective date and requiring
immediate medical Treatment.
"Insured" means any person(s) named on the Application for
Insurance form for which insurance coverage is in effect
under this policy.
"Insured Trip" means a Trip on which You are travelling
outside Your Country of residence and for which coverage
is in effect. Coverage on a Trip begins on Your Effective
Date and ends on the earlier of the date (i) You return to
Your Country of residence, or (ii) the number of days of
coverage You purchased expires.
"Medical Director" means the medical doctor acting for the
Company.
"Medical Emergency" means an unexpected or unforeseeable
Sickness or Injury not related to a Pre-existing Condition
(unless a rider has been issued to cover specified
Pre-existing Conditions) which requires immediate
medical attention, Treatment or care during Your Insured
Trip.
"Medically Necessary" in reference to a given service or
supply, means such service or supply:
a) is appropriate and consistent with the diagnosis
according to accepted community standards of medical
practice;
b) is not experimental or investigative in nature;
c) cannot be omitted without adversely affecting Your
condition or quality of medical care;
d) cannot be delayed until Your return to Your Country of
residence; and
e) is delivered in the most cost effective manner possible,
at the most appropriate level of care and not primarily by
reason of convenience.
“Period of Stability” means that, during the period selected in
Your Application for Insurance, there has been: (i) no
increase in symptoms or development of new symptoms;
(ii) no reduction, increase or stoppage in medication
dosage or its frequency; (iii) no new medications
prescribed; (iv) You have not been hospitalized or required
medical consultation (other than a routine examination);
and (v) no medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or recommended
by a Physician, including but not limited to investigative
testing and surgery, during the period selected on Your
Application for Insurance.
"Physician" means a person, other than a relative, who is
legally qualified and licensed to practice medicine or
perform surgery.
"Policy Receipt" means the document sent to You confirming
the coverage You have selected on Your Application for
Insurance. It forms part of the policy.
"Pre-existing Condition" means a medical or physical
condition, symptom, illness or disease, whether diagnosed
or not, for which Treatment has been received or taken, or
which exhibited symptoms, at any time preceding Your
Effective Date and includes a medically recognized
complication or Recurrence of a medical condition.
"Reasonable and Customary" means the costs customarily
charged for covered benefits, which are not in excess of the
standard fee in the geographical area where the charges are
incurred for comparable Treatment, services or supplies
for a similar Sickness or Injury.
"Recurrence" means the appearance of symptoms caused by
or related to a medical condition which was previously
diagnosed by a Physician or for which Treatment was
previously received.
"Representative" means the insurance agent, broker or
advisor that accepted Your Application for Insurance and
payment arrangements for this insurance.
"Sickness" means the onset of an ailment, illness or disease
requiring Treatment, care or advice. 
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"Stable” or “Stability" means that during the period selected in
Your Application for Insurance, immediately preceding
Your Effective Date Your condition is not worsening and
there has been:
a. No change in symptoms or development of new
symptoms;
b. No reduction, increase or stoppage in medication
dosage or its frequency;
c. No new medications prescribed;
d. You have not been hospitalized or required medical
consultation (other than a routine examination); and
e. No medical, therapeutic or diagnostic procedure has
been prescribed, received or performed, or
recommended by a Physician, including but not
limited to investigative testing or surgery.
"Terminal Prognosis" means a clinical assessment performed
by a licensed Physician who determines that an existing
medical condition, Sickness or Injury is expected to result in
the premature death of the Insured within the twelve (12)
month period following the Effective Date.
"Termination Date" means the date any coverage ends, being
the date set out on Your Insurance Purchase Receipt.
"Treatment, Treat or Treated" means advice, a medical,
therapeutic or diagnostic procedure, prescribed, performed or
recommended by a Physician, including but not limited to
prescribed medication, investigative testing, or
hospitalization, surgery or recommended action that is
related to the Sickness or Injury.
"Trip" means travel outside Your Country of residence which
commences on or after Your Effective Date and which
terminates on Your Termination Date.
"Unstable Condition" means a Sickness or Injury which would
cause an ordinarily prudent person to expect the need for
Treatment or investigation following departure.
"You" or "Your" means each Insured Person.
VIII REFUNDS
You may apply for a refund if You become insured under a
Canadian provincial or territorial health/medical plan as long as
You are not required to maintain the coverage for work permit or
other immigration purposes. Requests for premium refund will
be considered, in the case of non-departure from Your Country
of residence due to a Medical Emergency, failure to meet Super
visa requirements, or departure from Canada, provided this
policy is signed and returned to the Company and no claim has
been paid or is pending on Your behalf.
A full refund will be provided for policies which are returned
within 10 days of purchase if the policy has not been used to
obtain a Visa and it is returned before the Effective Date of the
policy. Service fees and administrative charges will apply. Such
fees or charges are not refundable.
A full refund is not available after the policy has started after the
effective date. The service charge that applies may be set out on
the Policy Receipt or the email sent to You.
Refunds will be subject to an administration fee and a minimum
refund amount of $20 per policy.
Important Note:
Premium refunds, regardless of method of payment, must be
obtained from the agent where coverage was purchased.
IX EMERGENCY PROCEDURE
Call Emergency Assistance immediately at 1-855-883-6479
or 416-467-4587 (collect).
If You require medical or dental services, You must call
Emergency Assistance. Failure to notify Emergency
Assistance within 24 hours of Hospitalization, as directed
will delay the processing and payment of Your claim and
may limit the Company's liability. Please refer to
V Limitations and Exclusions, #32.
X CLAIM PROCEDURE
For general information regarding Your policy call Your
agent. For information regarding a claim made on Your
policy call 1-855-883-6479 or 416-467-4587 (collect).
Claim Notification: You must notify the Company at
1-855-883-6479 or 416-467-4587 (collect) within 24 hours
of any claim for medical or dental Treatment. Failure to do
so will result in a penalty where You will be responsible for
50% of any gross eligible expenses incurred or the maximum
liability under this policy will be limited to $25,000 should
you select a maximum aggregate of $50,000 or greater. You
must call unless Your condition prevents You from doing so
and in this case You must contact the Company as soon as
medically possible or have someone call on Your behalf.
The payment to a medical provider by the Company for
any eligible expense is at their option. In the event that they
choose not to pay the medical facility directly, or the facility
will not accept payment from the Company directly, they
will reimburse You for any eligible expenses that You have
paid provided that You provide a valid original receipt for
such services, including original itemized bills, invoices and
receipts. You will be required to pay Your Deductible (if
any) directly to the provider at the time the claim is incurred.
Claim Documentation: Once Your Emergency is over,
You must submit all claims to the Company within 90 days
from the date of loss. Failure to furnish proof of claim within
90 days does not invalidate Your claim if proof is furnished
as soon as reasonably possible and in no event later than 1
year from the date of loss. If applicable law provides for a
longer period, You must submit Your claim within the
longer period provided for by law. For Your claim to be
valid, You must provide all of the documents that the
Company requires to support Your claim. Failure to
complete the required claim and authorization forms in full
will delay the assessment of Your claim.
When submitting a claim, please include a brief
explanation of the medical situation, e.g., how, where and
when the loss, Sickness or Injury took place. Claims cannot
be considered unless the claim form is fully completed and
signed by the claimant or an authorized person and submitted
along with all required documentation including original
receipts. All documentation must be supplied free of expense
to the Company. 
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If You have other coverage, You must first seek
reimbursement for the insured services from such
insurance plan or such policy and You may only submit a
claim for reimbursement of insured services under this
policy after the other insurer has assessed Your claim. In
submitting a claim for reimbursement of insured services,
You must provide the Company with the other insurer’s
written assessment of Your claim submission.
Claim Form: Call the Company for a claim form at
1-855-883-6479 or 416-467-4587 (collect). In the event that the
Company pays any medical expense on Your behalf for which
there is coverage through any other insurance plan, they have
full rights to recover any amount due to You, with respect to
these expenses.
Claim Inquiries: call 1-855-883-6479 or 416-467-4587 (collect)
within 24 hours of any medical or dental Treatment.
Mail or Deliver Claims to:
Ardent Assistance Inc.
25 Millard Ave. West OverviewABOUT US
We will take care of you
JF Insurance Agency Group Inc. (JF) is a licensed brokerage firm incorporated in 1992. We are the leading private firm in providing Emergency Hospital and Medical coverage for Canadians Travellers, Visitors to Canada and International Students. We are recognized for our dedication in serving our clients on an individual basis and by association groups.

Founder
Mr. Johnson Fu has more than 30 years of experience in the Insurance and Financial Industry. Mr. Fu is an active member of his community as well as many local and international charities. His active involvement and dedication to community service has led to the JF philosophy "To Serve". It is this philosophy and attitude that resonates and helps guide all staff members at JF.

Mission
To reach all that can benefit from the peace of mind we offer; to ensure claims are processed in a timely manner.

WE OFFER
we take care of you
Emergency Hospital Insurance
Visitor to Canada
Healthcare costs in Canada can be expensive if you’re not covered by a Canadian government healthcare plan. Make sure you have the proper visitor insurance coverage to help protect you and your family and enjoy a secure stay in Canada.

Emergency Hospital Insurance
International Student to Canada
Studying abroad is exciting and adventurous. Make sure you have the right insurance coverage for your journey while in Canada.

Emergency Hospital Insurance
Canadian Travellers
It may not come as a surprise that your provincial health plan may not cover your health care costs incurred outside of Canada, but did you also know that you could have limited coverage when traveling to other provinces/territories within Canada? Make sure you are properly covered when travelling abroad or from your home province.

CONTACT US
Toronto Office

15 Wertheim Court, Suite 501
Richmond Hill, ON
L4B 3H7 CANADA

Phone: 905-707-1512
Fax: 905-707-1513
Toll Free: 1-877-832-5541
Toll Free Fax: 1-888-784-9608

E-mail: info@jfgroup.ca
Vancouver Office

128-6061 No. 3 Road
Richmond, BC
V6Y 2B2 CANADA

Phone: 604-232-0896
Fax: 604-232-0897
Toll Free: 1-877-232-0896
 

E-mail: vancouver@jfuinsurance.com



Travel Insurance for Students is designed specifically for students - whenever they travel to study.

If they are a Canadian studying abroad or in another Canadian province/territory, or if they are international students studying in Canada, Manulife Travel Insurance for Students is their way to get coverage for up to $2 million in benefits if a medical emergency strikes unexpectedly.

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Student plans
Canadians studying in another province or territory
Up to $2 million in emergency and non-emergency medical benefits
For Canadian residents, covered by a Canadian provincial or territorial health insurance plan, going to school in Canada
Canadians studying abroad
Up to $2 million in emergency and non-emergency medical benefits
For Canadian residents, covered by a Canadian provincial or territorial health insurance plan, going to school outside Canada
International students studying in Canada
Up to $2 million in emergency and non-emergency medical benefits
For students from anywhere in the world, not covered by a Canadian provincial or territorial health insurance plan, going to school in Canada
Newmarket, Ontario, L3Y 7R6
Please call Your Representative for general inquires including
date changes, cancellation or credit card inquiries.
The phone number of Your Representative is located on your
Policy Receipt at the bottom of each page.
XI APPEAL PROCEDURE
In the event of a concern with the sales process or an issue
about a claim, You may request that the circumstances be
reviewed. Any new information provided will be taken into
consideration and a decision will be given in writing
outlining our findings based on the terms, conditions,
limitations and exclusions of the policy. Requests to review
Your particular circumstances must be made in writing no
later than 30 days after the date You receive our decision.
Send Your request for review including the reason for Your
concern and any new information supporting it to:
appeals@ardentassistance.com
or send Your request to review to:
Appeals Committee
Ardent Assistance Inc.
25 Millard Ave. West
Newmarket, Ontario,
L3Y 7R5
THIS POLICY IS UNDERWRITTEN BY:
Industrial Alliance Insurance and Financial Services Inc.
THIS POLICY IS ADMINISTERED BY:

Student Insurance
FAQVisitors to Canada Insurance
Visitors to Canada have given a lot to the Canadian economy. These Visitors could be on vacation time, family meet up, work permit holder or international students. All of them are under the category of Visitors to Canada. Canadian medical system is top-notch and can be expensive for those who don’t have government health plans. If you or your relatives visit Canada, don’t forget to transfer the risk to insurance companies by paying a minimal premium. We have done the hard work for you to compare the best and affordable plan with transparent service. Use our Get Quote Calculator and get instant quotes from all major insurance companies, compare the plan details and buy online Visitors Visa Insurance Brampton.
ecure Travel RIMI Visitors to Canada Travel Insurance | Application Form
Could I Be Denied A Policy For Any Reason?
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Yes, the Insurance company may deny your coverage if you are terminally ill. Your doctor has advised you not to travel or have specific health conditions the insurance company won’t cover.

Can I get a refund if my plan to Visit Cancel?
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Yes, you can cancel your Visitors to Canada’s emergency medical insurance anytime before the effective date. Simply call us or write to us, we will take care of it.

 

When should I buy visitors to Canada travel medical insurance?
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You can buy medical coverage at any time. We recommend that visitor’s insurance should be purchased before arrival in Canada. Suppose the effective date is after the arrival date. In that case, most insurance companies do not cover expenses within 48 hours up to 8 days due to sickness occurring immediately following your policy effective date

Can I Receive Treatment For Pre-existing Conditions If It Becomes Necessary In Canada?
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There are many variables here. An insurer may be willing to provide coverage as long as your condition has remained stable for several months. There may be an age cutoff before additional restrictions on coverage for pre-existing conditions.

Canadian Insurance Companies
Working with the best visitors visa insurance Brampton has its perks for all of us!

Take a look at the Canadian insurance companies we work with and click on the images on the right to learn more about the health insurance provider of your interest.

We partnered with the most reputable Canadian insurers in order to deliver a promise of financial security and personal safety when it comes to dealing with medical emergencies during your stay in Canada!