By Bahadur Singh, Licensed Insurance Broker | OM Financial, Mississauga
When you type “Allianz global travel insurance” into Google, you are looking for one thing — a name you can actually trust when your parent is sitting in a Canadian emergency room at 2 AM. Allianz Global Assistance is not just another insurance company. They have been ranked the world’s number one insurer in Interbrand’s Best Global Brands Ranking four years in a row. That is not marketing fluff — tha+t is the kind of track record that matters when your family’s health is on the line. I, Bahadur Singh, licensed insurance broker at OM Financial in Mississauga, sell Allianz Global travel insurance to families bringing parents and grandparents to Canada on Super Visa. Let me walk you through everything honestly — what it covers, what it costs, where it stands out, and where to be careful.
Allianz global travel insurance offers three plans
Table of Contents
What Is Allianz Global Travel Insurance?
Allianz Global Assistance is the travel insurance and emergency assistance arm of Allianz Partners — one of the largest financial services and insurance groups in the world. In Canada, Allianz Global Assistance operates as the registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. They have been operating in Canada for over 30 years, managing 95 million cases globally in 2024 alone — including medical repatriations and air ambulance evacuations. That scale means when your parent needs help at midnight in a Mississauga hospital, there is a real team ready to answer, not a voicemail box.
For visitors to Canada — including Super Visa applicants, tourists, new immigrants, and international students — Allianz Global travel insurance offers the Visitors to Canada plan. It is underwritten by CUMIS General Insurance Company, a member of The Co-operators group, which is a well-established Canadian insurer. So the policy is fully Canadian, fully IRCC-compliant, and backed by one of the world’s most powerful insurance organizations.
Is Allianz Global Travel Insurance Approved for Super Visa?
Yes — absolutely. Allianz global travel insurance for visitors to Canada meets every single IRCC requirement for the Parent and Grandparent Super Visa. Here is what IRCC needs and what Allianz delivers:
| IRCC Requirement | Allianz Delivers |
|---|---|
| Minimum $100,000 CAD coverage | ✅ Available from $100,000 up to $500,000 |
| Issued by a Canadian insurance company | ✅ Underwritten by CUMIS General Insurance Company, Canada |
| Minimum 1 year (365 days) validity | ✅ 365-day policies standard for Super Visa |
| Covers emergency healthcare, hospitalization, repatriation | ✅ All included in every plan |
| Must be a policy, not a quote | ✅ Full policy documents issued instantly |
All visa application centres accept Allianz policies. Once you purchase, you get your confirmation of coverage document by email — that is the document you upload to your Super Visa application.
Allianz Global Travel Insurance Plans for Visitors to Canada
Allianz keeps it practical — two plan options built around one real question: does your parent have pre-existing health conditions or not? No confusing tiers or upsell traps.
Plan Without Pre-Existing Condition Coverage
This plan is designed for healthy visitors who have not had any significant medical issues. It is the most affordable entry point into Allianz global travel insurance, and it fully meets all IRCC Super Visa requirements. You get comprehensive emergency medical coverage — hospitalization, ambulance, emergency dental, repatriation, diagnostic tests, X-rays, lab services, prescription medications (for emergencies), and physician fees. For a healthy parent under 60, this is a strong, worry-free option.
Plan With Stable Pre-Existing Condition Coverage
This is the plan for parents and grandparents who are on medication for blood pressure, diabetes, arthritis, or similar manageable ongoing conditions. Allianz global travel insurance automatically includes pre-existing condition coverage — you do not need a separate add-on or underwriting approval. The eligibility is built into the standard plan based on the stability period your parent meets. This automatic inclusion without extra paperwork is one of Allianz’s most user-friendly features.
What the pre-existing condition plan covers (when stability conditions are met):
- Emergency medical treatment and physician fees related to the stable condition
- Hospitalization (semi-private room)
- Ambulance services
- Diagnostic tests, X-rays, and laboratory services
- Emergency prescription medications
- Emergency dental (accident-related)
- Repatriation of remains
- Travel-related benefits depending on plan version
Telehealth — A Standout Feature Most Families Overlook
This is where Allianz global travel insurance genuinely pulls ahead of the pack. Every Visitors to Canada plan includes free Telehealth access — your parent can connect with a real licensed doctor via phone or computer any time, day or night, get medical advice for sudden unexpected health issues, and have prescriptions sent directly to their chosen pharmacy. No waiting three hours in a walk-in clinic for a minor issue.
Here is the part that really matters: if the Telehealth doctor recommends a follow-up clinic visit or hospitalization, your deductible is waived for that entire episode of care. So even if you have chosen a $1,000 deductible to save on premiums, a Telehealth consultation that leads to hospital care does not trigger your deductible. That is a meaningful financial protection that no other major super visa insurer currently matches.
Available Coverage Amounts
Allianz global travel insurance for visitors to Canada is available in the following coverage amounts: $25,000, $50,000, $100,000, and $500,000 CAD. For Super Visa, the minimum is $100,000. The $500,000 option is genuinely rare — most Canadian super visa insurers cap at $150,000 to $300,000. If your parent is older or has a more complex health history, that extra coverage ceiling can matter enormously. A serious cardiac event, a stroke, or a week in ICU can cost well beyond $200,000 in Canada.
Allianz Global Travel Insurance Cost
Allianz is a premium-tier provider and the pricing reflects that. You are not just buying a policy number — you are buying 30 years of Canadian experience, a global emergency network, Telehealth access, and the assurance of the world’s top-ranked insurer behind your parents. That said, Allianz is not the most expensive provider in the market either. Here are estimated monthly premiums at $100,000 coverage with no deductible:
| Age | No Pre-Ex Plan (approx./month) | With Pre-Ex Plan (approx./month) |
|---|---|---|
| Under 40 | $80 – $105 | $105 – $140 |
| 40–49 | $105 – $140 | $140 – $180 |
| 50–59 | $140 – $185 | $180 – $240 |
| 60–69 | $185 – $245 | $240 – $315 |
| 70–74 | $245 – $320 | $315 – $415 |
| 75–79 | $320 – $420 | $415 – $545 |
| 80–89 | $420 – $560+ | Contact for exact quote |
All prices in Canadian dollars. These are estimates — actual premiums depend on your parent’s exact age, health profile, province of destination, and deductible selected. For a real-time Allianz quote, call Bahadur Singh at 4372388119 or use the broker link below.
How to Reduce Allianz Global Travel Insurance Cost
Add a Deductible — And Use Telehealth to Protect It
Allianz applies the deductible on a per-policy basis — meaning your parent pays it only once during the entire policy period, no matter how many claims happen. That is already better than per-claim deductibles. And combined with the Telehealth deductible waiver, a $1,000 deductible becomes much less scary. Here is how deductibles affect your Allianz premium:
| Deductible | Premium Reduction (approx.) |
|---|---|
| $0 | Base price (no reduction) |
| $500 | ~8–12% lower |
| $1,000 | ~15–18% lower |
| $2,500 | ~22–27% lower |
| $5,000 | ~30–35% lower |
Who should go with a higher deductible?
- Healthy visitors under 65 who are unlikely to need major hospitalization
- Families who are comfortable covering minor costs but want protection against a catastrophic bill
- Anyone who plans to use the Telehealth feature — where the deductible does not apply anyway
Who should stick with $0 deductible?
- Visitors 70 and over — higher chance of unexpected medical events
- Parents with pre-existing conditions that are stable but could flare up
- Anyone who wants zero out-of-pocket surprise at the worst possible moment
Choose the Right Coverage Amount
For the Super Visa, $100,000 is the IRCC minimum and for most families it is sufficient. If your parent is over 70 or has a history of cardiac or neurological conditions, consider the $500,000 option — a serious event can exhaust $100,000 faster than you think in Canada’s private healthcare system.
Broker Tip: Allianz global travel insurance is my go-to recommendation for families whose parents are internationally mobile — travelling between Canada, India, UK, or the US in the same year. The 51% Canada residency rule for side trips is fair and generous. The Telehealth feature alone saves families multiple clinic visits. And the $500,000 coverage ceiling is something I genuinely value for older parents. Call me at 4372388119 and I will compare Allianz side-by-side with RIMI, Manulife, and GMS based on your parent’s exact profile — at zero cost to you.
Pre-Existing Conditions — What Allianz Covers
What Is a Pre-Existing Condition?
Any health condition — diagnosed or undiagnosed — that existed before your Allianz policy’s effective date is a pre-existing condition. The list is familiar to most South Asian families whose parents are in their 60s and 70s:
- High blood pressure (hypertension)
- Type 2 diabetes — stable and well managed
- High cholesterol
- Arthritis and joint conditions
- Thyroid conditions (stable)
- History of cardiac events (fully stable, no recent changes)
- Asthma (stable)
Stability Periods — Know This Before You Buy
This is one of the most important things to get right with any super visa insurance, and Allianz makes it simpler than most by building it into the standard plan automatically. The stability period depends on the applicant’s age:
| Applicant Age | Required Stability Period |
|---|---|
| 59 years old and under | 90 days before the effective date |
| 60 years old to 89 years old | 180 days before the effective date |
What does “stable” mean? During the required stability period before the policy start date, the condition must have had:
- No new symptoms and no worsening of existing symptoms
- No new diagnosis or treatment prescribed
- No change in medication — including dosage changes, even a reduction resets the clock
- No hospitalization or emergency visit
- No specialist referral
- No pending tests or investigation results outstanding
The 90-day stability period for applicants under 60 is genuinely competitive — many providers require 180 days for all ages. If your parent is under 60 and has a well-managed condition that has been stable for 3 months, Allianz covers it automatically. That is a meaningful advantage.
Honest advice: do not guess on this. If you are not 100% sure a condition qualifies as stable, call me before purchasing. A wrong answer at application time means a denied claim at the worst possible moment.
Who Is Eligible for Allianz Global Travel Insurance?
To qualify for Allianz global travel insurance for visitors to Canada, the applicant must meet these conditions on the effective date:
✅ Age 15 days old to 89 years old — one of the widest age ranges in Canada
✅ Not eligible for or insured by any Canadian provincial health insurance plan
✅ In good health at time of purchase and at departure from home country
✅ Not travelling against a physician’s advice
✅ Not diagnosed with a terminal illness
✅ Not diagnosed with Stage 3 or Stage 4 cancer, or cancer of the lung, liver, pancreas, or bone
✅ Has not received treatment for any cancer (other than basal/squamous cell skin cancer or breast cancer treated only with hormone therapy) in the past 3 months
✅ Does not require daily medical assistance for self-care
✅ Purpose of visit is not to seek or receive medical treatment
Allianz also covers side trips from Canada. If your parent is spending most of their time in Canada but wants to visit a third country (not their home country), Allianz covers emergencies during side trips — as long as your parent spends more than 51% of their policy period inside Canada and the side trip does not go to their country of origin. Side trips must begin and end in Canada.
Trip breaks back home are also allowed. If your parent needs to return to India, Pakistan, or the Philippines briefly during their Canadian stay, the Allianz policy stays active — it simply does not cover medical costs incurred in the home country during that visit. No need to cancel and rebuy the policy.
Waiting Periods
The waiting period with Allianz global travel insurance works like this — and the advice is the same as with every other provider: buy before your parents leave their home country.
| When Purchased | Waiting Period |
|---|---|
| Before departing home country (OR before expiry of existing Allianz policy) | No waiting period |
| After expiry of existing Allianz policy OR after departing home country | 48-hour waiting period for sickness |
During the 48-hour waiting period, Allianz will not cover any sickness-related claims. Injuries are a different matter — check the policy wording for specific injury waiting period terms. The premium is the same whether you buy before or after arrival, so there is simply no reason to wait and expose your parents to an uninsured window.
If you are renewing an existing Allianz policy with no gap in coverage, the waiting period is completely waived.
Allianz Global Travel Insurance Exclusions
No insurance covers everything. Read this section carefully — it is the most important part of any policy. Allianz global travel insurance does not cover:
- Pre-existing conditions that did not meet the required stability period
- Terminal illness or Stage 3 or Stage 4 cancer diagnoses
- Cancer of the lung, liver, pancreas, or bone at any stage
- Any cancer treated in the 3 months before the effective date (with the exceptions noted in eligibility)
- Elective, non-emergency, and cosmetic treatments
- Pregnancy, childbirth, and fertility treatments
- Routine or preventive care
- Alcohol and drug-related injuries or illness
- Self-inflicted injuries
- High-risk sports and extreme activities
- Travel to war zones or areas under Canadian government travel advisories
- Medical expenses incurred in the home country during trip breaks
- Conditions requiring daily medical assistance for personal care
Read the policy wording — specifically the exclusions section — before you submit your Super Visa application. If anything is unclear, call me.
How to Buy Allianz Global Travel Insurance
The easiest way is to call or WhatsApp Bahadur Singh at 4372388119. I will review your parents’ health history, confirm their stability period, recommend the right coverage amount and deductible, and handle the purchase — at zero extra cost to you. This is especially important if your parent has multiple conditions, because getting the plan selection right at this step protects the claim later.
Or apply directly using the broker link:
Get Your Allianz Global Travel Insurance Quote →
- Enter the traveller’s full name, date of birth, and your email address.
- Select the effective date — this should match your parent’s planned arrival date in Canada for super visa purposes.
- Choose your plan — with or without pre-existing condition coverage. If your parent has any ongoing health conditions, always choose the pre-ex plan.
- Answer the eligibility health questions honestly. This is not the place to cut corners.
- Select your coverage amount — $100,000 minimum for Super Visa; $500,000 available for additional peace of mind.
- Choose your deductible — $0, $500, $1,000, $2,500, or $5,000.
- Complete payment and your policy documents arrive in your inbox within minutes.
Documents you will receive by email:
- Policy confirmation / letter of coverage — upload this to your IRCC Super Visa application
- Full policy wording document
- Allianz Global Assistance emergency contact card with Telehealth access instructions
If your parents’ visa takes longer than expected and you need to update the effective date, Allianz allows date changes — I handle these requests for my clients at no extra charge.
Cancellation and Refund Policy
Allianz has a fair and transparent refund policy. Here is what to expect:
| Situation | Refund |
|---|---|
| Cancel within 10 days of purchase (before effective date) | Full refund — no questions asked |
| Cancel entire trip before effective date (after 10 days) | Full refund before departure |
| Visa refused | Full refund (visa refusal letter required) |
| Early return to home country (no claim made) | Partial refund for unused days |
| Become eligible for provincial health coverage | Partial refund for unused days |
| Claim pending or paid | No refund available |
If your parents need to return home early for any reason and no claim has been filed, you can apply for a partial refund for the unused coverage days. I help my clients process these requests — call me when the situation arises.
How to File an Allianz Global Travel Insurance Claim
First step in any medical emergency: use the Telehealth service. Connect with a doctor virtually, get advice, and if you need in-person care, the doctor refers you — and your deductible is waived for that treatment episode.
If the situation requires immediate in-person care, contact Allianz Global Assistance directly:
- Toll-free Canada and USA: 1-800-869-6747
- Call collect worldwide: 416-340-8809
- Available 24 hours a day, 7 days a week, 365 days a year
Allianz will help locate the nearest appropriate medical facility, confirm your coverage with the hospital directly where possible, and coordinate direct billing to minimize your parents’ out-of-pocket exposure at the time of treatment.
Claims must be reported within 30 days of occurrence. Written proof of claim with all supporting documentation must be submitted within 90 days. When sending your hospital claim, include:
- Fully completed and signed Allianz claim form
- All original itemized bills and receipts from the medical facility
- Emergency room report and physician’s written diagnosis
- Medical certificate completed by the treating physician
- Prescription receipts for any medications related to the claim
- Ambulance records if applicable
Mail completed claims to: Allianz Global Assistance Claims Department, P.O. Box 277, Waterloo, Ontario, Canada N2J 4A4
Allianz typically processes claims within 10 to 15 business days of receiving complete documentation. Stay in contact with their claims team via phone and email for status updates on complex cases.
Allianz Global Travel Insurance Reviews
Having helped many families purchase Allianz global travel insurance over the years, here is what consistently stands out in real customer feedback:
- World’s number one insurer (Interbrand Best Global Brands, four consecutive years) — families feel secure knowing the brand behind the policy.
- Telehealth is genuinely useful — multiple families have told me their parents used it instead of sitting in a walk-in clinic for 3 hours, got a prescription sent to the pharmacy, and did not have to pay the deductible for the follow-up. That is real value.
- $500,000 coverage ceiling — for parents over 70 with any cardiac or neurological history, this is the only product in the mainstream market that goes this high.
- 90-day stability period for under-60 applicants — significantly better than most providers who apply 180 days to everyone.
- Per-policy deductible — pays out only once, not per claim.
- Multilingual 24/7 emergency assistance — a genuine differentiator for parents who are not comfortable in English during a stressful medical moment.
- Wide age eligibility up to 89 — no need to find a different provider for older grandparents.
The honest downside: Allianz is not the cheapest option for middle-aged healthy applicants. If your parent is 52 and in perfect health, GMS or RIMI may come in lower. Call me and I will run the numbers both ways.
Frequently Asked Questions
Q: Is Allianz global travel insurance good for Super Visa in Canada?
A: Yes — it is one of the strongest options available. Allianz global travel insurance meets all IRCC Super Visa requirements, is underwritten by a Canadian insurer (CUMIS General Insurance Company), offers coverage from $100,000 to $500,000, and includes Telehealth access as a standard benefit. It is particularly well-suited for parents who are older, have pre-existing conditions, or travel between multiple countries.
Q: What is the maximum age for Allianz global travel insurance?
A: Allianz covers visitors from 15 days old to 89 years old — one of the widest age ranges available among Canadian super visa insurance providers. No medical questionnaire is required for plan access, though eligibility health questions must be answered honestly at application.
Q: Does Allianz global travel insurance cover pre-existing conditions?
A: Yes. Pre-existing condition coverage is automatically built into Allianz’s Visitors to Canada plan — you do not need a separate add-on. For applicants 59 and under, the stability period required is 90 days. For applicants 60 to 89, it is 180 days. Conditions must have had no changes in medication, symptoms, treatment, hospitalization, or specialist referral during the stability period.
Q: How much coverage does Allianz global travel insurance offer for Super Visa?
A: Allianz offers coverage amounts of $25,000, $50,000, $100,000, and $500,000 CAD. For Super Visa, $100,000 is the IRCC minimum. The $500,000 option is one of the highest available among mainstream Canadian super visa insurance providers.
Q: What is the Allianz global travel insurance emergency contact number?
A: For medical emergencies, call Allianz Global Assistance at 1-800-869-6747 (toll-free Canada and USA) or 416-340-8809 (collect worldwide). Both lines are available 24 hours a day, 7 days a week, 365 days a year.
Q: When must I report an Allianz global travel insurance claim?
A: Claims must be reported within 30 days of the incident. Full written proof of claim with all supporting documentation must be submitted within 90 days of occurrence. Keep every original receipt and medical document — do not submit photocopies.
Q: What is Allianz Telehealth and is it free?
A: Yes, it is completely free and included in every Visitors to Canada plan. Telehealth lets your parent connect with a licensed physician via phone or computer any time — day or night. The doctor can provide medical advice, order prescriptions sent to any pharmacy, and refer to in-person care if needed. Best of all, if a Telehealth consultation leads to a clinic visit or hospitalization, your deductible is waived for that entire treatment episode. It is one of the most practical features in the super visa insurance market today.
We are an authorized Allianz Global Assistance broker and there is absolutely no extra cost to buying through us. I, Bahadur Singh, am here to help you every step of the way — from choosing the right plan to date changes, refund requests, and claim support.
Get a Free Allianz Global Travel Insurance Quote →
Or contact Bahadur Singh directly at 4372388119 (Call or WhatsApp) for a personalized, no-cost comparison of Allianz vs RIMI, Manulife, GMS, and Travelance — based on your parent’s exact age, health history, and budget.