[21st Century Travel] [Rates] [Eligibility] [Policy] [Application]

21st CENTURY TRAVEL

1. Emergency treatment provided by a "Physician". Emergency "Insured Services" shall also include the cost of standard hospital ward accommodations but does not include the cost of services provided by a convalescent home, nursing home, home for the aged or health spa.
    
2. Medical, hospital or out-patient services, except when expressly prohibited by legislation.
    
3. Private duty registered nursing or licensed home care providers and rental of crutches, hospital bed, splints, trusses, braces or other prosthetic devices, up to a maximum of $5,000.00 following emergency Insured Services when prescribed in writing by a "Physician" or "Healthcare Practitioner".
    
4. Treatment provided by a "Healthcare Practitioner" up to a maximum of $1,000.00 provided such treatment is prescribed by a "Physician".
    
5. Diagnostic treatment including x-rays, ultrasounds, and laboratory tests requested by a "Physician" up to the Aggregate Policy Limit while hospitalized for a period of 24 hours or more or up to a maximum of $1,000.00 when these "Insured Services" are provided on an outpatient basis.
    
6. The use of a licensed ambulance service for emergency transportation.
    
7.  Drugs or medications prescribed, in writing, for "You" by a "Physician" up to a maximum of $500.00. However, "We" will not reimburse "You" if the prescribed drugs or medication or a generic form thereof can be legally purchased without a "Physician's" prescription, unless "You" are an admitted patient in any licensed hospital or other provincially licensed treatment facility.
    
8. In the event of "Your" death, the cost up to a maximum of $5,000.00 of preparing "Your" body for burial, transportation (including shipping container) to "Your" country of origin, and the cost of preparing legal documentation. In no event will "We" pay for the cost of the purchase of a coffin. In the event that "Your" body is cremated or "You" are buried in Canada or the United States, the most "We" will pay for this "Insured Service" is $1,500.00.
    
9. The extra cost via the most cost-effective itinerary of an economy air fare to return "You" to "Your" country of origin including, if medically necessary or required by the airline, stretcher fare and/or the return economy class fare and reasonable fees and expenses of a medical attendant. To be eligible for this benefit, your treating "Physician" must recommend that "You" return home because of "Your" medical condition or "Our" medical advisor must recommend that "You" return home after "Your" "Emergency" treatment. Such costs must be pre-authorized and arranged by "Us" following an "Emergency" "Insured Services" covered under this policy.
    
10. Treatment to natural teeth and repairs to dentures or other dental devices if such treatment is necessitated by direct unintended or unexpected blow to "Your" face up to a maximum of $1,000.00.
     
11. Emergency treatment to natural teeth, excluding fillings and repairs to dentures or other dental devices when such treatment is necessitated by a cause other than a direct unintended or unexpected blow to "Your" face up to a per insured maximum of $300.00 during any twelve (12) month period.
     
12. Obtaining hospital, medical, or "Healthcare Practitioner" records or a medical report from a "Physician" or "Healthcare Practitioner" provided "We" request the record or report. Under no circumstances will "We" reimburse "You" for the cost of an attending physician's report.

Exclusions

"We" will not reimburse "You" for "Insured Services" arising from:

1. Any sickness, disease or bodily injury which had manifested itself in the "Waiting Period" or in the 180-day period immediately preceding the "Effective Date" of this Policy. Unexpected emergency sickness, disease or accidental bodily injury shall be considered to have manifested itself when:
   1. medical care or treatment has been received, or
   2. drugs or medicines have been taken or prescribed to treat the sickness, disease or bodily injury, or
   3.  you have experienced symptoms which would cause a reasonably prudent person to seek diagnosis, care or treatment.
      
      "Stable Chronic Condition" Option:
      Exclusion #1 will not apply to "Insured Services"incurred after any applicable "Waiting Period" to respond to a "Stable Chronic Condition", if:
      1. "You" are under 70 years of Age on the Policy "Effective Date", or
      2. "You" are 70 to 85 years of "Age" and paid the required premium to purchase the "Stable Chronic Condition" coverage.
          
2. Intentional self-injury, suicide or attempted suicide while sane or insane.
    
3. Sickness, disease or bodily injury in any way arising from or contributed to by the misuse of drugs or alcohol.
    
4. Accidents which occurred while "You" participated in professional sports, mountaineering, any kind of race or speed contest, underwater activities, gliding, parachuting or skydiving.
    
5. Pregnancy, miscarriage, childbirth or any complications thereof.
    
6. The provision of "Insured Services" to children 30 days of Age or younger.
    
7. War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, insurrection, military or usurped power, terrorist acts.
    
8. Elective, non-emergency, or cosmetic surgery.
    
9. Elective, non-emergency, medical or healthcare treatment or any "Insured Services" which "You" knew would be required when "You" applied for this Policy.
    
10. A continuation of treatment or service first recommended or prescribed by a "Physician" or "Healthcare Practitioner" before the "Effective Date" of this Policy or where such "Insured Services" were first initiated prior to the "Effective Date" of this Policy or during the "Waiting Period".
     
11. The requirement to acquire, repair or replace eyeglasses, contact lenses or hearing aids.
     
12. "Your" obtaining medical or healthcare assessment or any form of report or document for the purposes of supporting an application to obtain immigrant status in Canada.
     
13. Travel and accommodation expenses incurred for the purposes of receiving "Insured Services".
     
14. Mental and emotional disorders including but not limited to stress, anxiety, depression (reactive or otherwise) and/or conditions related thereto.
     
15. General health examinations, medical and health services, including prescription drugs or medicines, provided to monitor or maintain a "Stable Chronic Condition".