Claims & Emergency Assistance
Every insurer we quote, with their 24/7 emergency line, how to claim, and the waiting periods that apply to sickness.
🚨 Medical emergency right now?
- If life-threatening, call 911 first.
- Then call your insurer's 24/7 line below — before treatment if possible, or within 24 hours of hospital admission. A family member can call for you.
- Have the policy number (on the confirmation of insurance) and the hospital's name ready.
What to do when a claim happens
1Find the policy confirmation. You need the policy number. Can't find it? Call us — 416-300-0056.
2Call the insurer's 24/7 assistance line immediately — before treatment, or within 24 hours of hospital admission. Calling late can cut the payout by 20% or cap benefits with most insurers.
3Ask for direct billing — most assistance companies can pay the hospital directly so the family doesn't pay upfront.
4Keep every paper: hospital invoices, receipts, doctor reports, prescriptions, discharge summary. Make copies.
5Report the claim within 30 days and send full written proof within 90 days (typical deadlines — the policy wording governs).
6Tell us. We help you with the paperwork at no charge — WhatsApp or call 416-300-0056.
Injury vs sickness — the waiting period rule
Waiting periods apply to sickness (illness) only — never to injuries from an accident (like a fall).
They apply only when the policy is bought after arrival in Canada. Any sickness that starts during the waiting period is not covered, even if bills come later.
💡 Buy before you land and the waiting period is waived with every insurer below. Renewing an existing policy with no gap usually waives it too.
Your insurer's emergency & claims contacts
JF Insurance (JF Visitor to Canada / JF Royal)
Underwriter: Old Republic / Berkley Canada · Assistance & claims: Ontime Care Worldwide
📞 24/7: 1-888-988-3268
Collect: 905-707-9555
Must notify: before any surgery, or within 24 hours of hospital admission — otherwise benefits are reduced.
Claim online: eclaim.jfgroup.ca (under $1,500) ·
Mail: Ontime Care Worldwide Inc., P.O. Box 82029, 420 Hwy 7 East, Richmond Hill, ON L4B 3K2 ·
Office: 905-707-1512
⏱ Sickness waiting period (bought after arrival): age 85 & under — 48 hours (within 30 days of arrival) or 7 days (later). Age 86+ — 15 days. Waived if bought before arrival or on a no-gap JF renewal.
Travcare
Underwriter: Berkley Insurance Company · 24/7 Assistance Company
📞 24/7: 1-844-879-8379
Collect: +1-416-285-1722
Must notify: before receiving treatment — otherwise benefits can be limited to 80% of expenses up to a $25,000 maximum.
Claim: complete the claim form from the Assistance Company and attach all original receipts and medical reports.
⏱ Sickness waiting period (bought after leaving your country of origin): within 30 days — 48 hours; after 30 days — 8 days. Waived if bought before departure or when renewing a Travcare policy.
Destination: Canada
Underwriter: Berkshire Hathaway Specialty Insurance (BHSI) · Assistance & claims: Global Excel Management
📞 24/7: 1-855-286-7467
Collect: +1-519-913-8034
Must notify: before any surgery, or within 24 hours of hospital admission — otherwise eligible benefits are reduced by 20%.
Claim: report within 30 days, written proof within 90 days. Mail: Berkshire Hathaway Specialty Insurance c/o Global Excel Management, 73 Queen Street, Sherbrooke, QC J1M 0C9
⏱ Sickness waiting period (bought after departing your country of origin): within 30 days — 48 hours; 30 days or more — 7 days. Waived if bought before departure or with no-gap renewal of coverage.
GMS (Visitors to Canada)
Group Medical Services
📞 24/7: 1-800-459-6604
Collect / WhatsApp: +1-905-762-5196
Must notify: the assistance line as soon as possible, before treatment where you can.
Claim: see the GMS policy wording linked on your quote for forms and deadlines.
⏱ Sickness waiting period: applies only when bought after arrival — see the GMS policy wording for the exact hours for your purchase date.
Travelance (Premier / Essential)
Underwriter: Old Republic Insurance Company of Canada
📞 24/7: 1-800-334-7787
Direct: +1-905-667-0587
Email: [email protected] · call before hospital admission or within 24 hours of a life-threatening emergency, or you pay 20% of eligible expenses.
⏱ Sickness waiting period (coverage starting after your departure date): 48 hours (start within 30 days of departure, or when continuing no-gap from another insurer/GHIP); 7 days (start more than 30 days after departure). Injury: 24 hours. Waived when continuing a Travelance policy with no gap.
21st Century (Basic / Standard / Enhanced)
Underwriter: Manulife · Assistance: Active Care Management / Global Excel
📞 24/7: 1-877-882-2957
Collect: +1-519-251-7856
Must notify: before treatment — otherwise you pay 20% of eligible expenses (Basic plan adds a $100 penalty per claim if not called within 24 hours).
Claim online: manulife.acmtravel.ca ·
Mail: 21st Century Visitors Claims c/o Global Excel Management, P.O. Box 1237, Stn. A, Windsor, ON N9A 6P8 ·
Claim status: 1-855-297-4379
⏱ Sickness waiting period (bought after arrival): age 85 & under — 72 hours (within 30 days of arrival) or 7 days (31+ days). Age 86+ — 15 days. Waived if bought before arrival or on a no-gap 21st Century renewal.
Manulife (Visitors to Canada Plan A / B)
The Manufacturers Life Insurance Company / FNAIC · Assistance: Active Care Management
📞 24/7: 1-877-878-0142
Collect: +1-519-251-5166
Must notify: the Assistance Centre as soon as possible and before any medical treatment. The TravelAid™ mobile app also connects you directly.
Claim online: Manulife travel claims portal (coverme.manulife.ca) · Mail: Manulife Travel Insurance c/o Active Care Management, P.O. Box 1237, Stn. A, Windsor, ON N9A 6P8
⏱ Sickness waiting period: applies only when bought after arrival — see your Manulife policy wording for the exact period for your age and purchase date.
Secure Travel (RIMI)
Underwriter: iA Financial Group (Industrial Alliance) · Assistance & claims: MSH Assistance
📞 24/7: 1-800-203-8508
Collect: +1-416-646-3107
Must notify: MSH Assistance before treatment, or within 24 hours of hospital admission — otherwise benefits are limited to 80% of expenses up to a $25,000 maximum.
Claim: submit within 30 days, written proof within 90 days. Mail: MSH Assistance, 150 King St W, Suite 602, PO Box 75, Toronto, ON M5H 1J9. Please double-check the number on your policy confirmation — it always governs.
⏱ Sickness waiting period: applies only when bought after arrival — see the Secure Travel policy wording linked on your quote for the exact period.
TruStone Health
Visitors to Canada plan
24/7 emergency line: use the number printed on your policy confirmation / wallet card — it is issued with every TruStone policy.
Can't find it? Call us right away at
416-300-0056 and we'll connect you.
⏱ Sickness waiting period: applies only when bought after arrival — see the TruStone schedule of benefits linked on your quote.
This page is a convenience summary compiled from each insurer's published policy documents and websites (last checked September 2026). Phone numbers and rules can change and vary by plan and policy version — the confirmation of insurance and policy wording you received always govern. If anything here differs from your policy documents, follow your policy documents. Not an offer of insurance.