Summary

This policy provides emergency medical coverage for sickness and accident. Coverage limits go up to $300,000. There is no maximum age limit.

Benefits

Features:

• Provides emergency medical coverage for sickness and accident
• Coverage for stable pre-existing conditions as follows:
•    Age 59 years and under: 120 days before the policy effective date
•    Age 60 to 69: 180 days before the policy effective date
•    Age 70 and over: 365 days before the policy effective date
• Coverage outside Canada for up to 49% of the policy term
• Maximum one-year policy
• Eligible for the "Super Visa" program

Coverage Limits:

• $10,000
• $25,000
• $50,000
• $100,000
• $200,000
• $300,000

Deductible Options:

• $0, $150, $500, $1,000, $2,500, $5,000, $10,000

Summary of Benefits:

KEY BENEFITS	MAXIMUM LIMIT
Emergency medical treatment	Up to the sum insured for:
	Emergency medical treatment for in-patient or out-patient care
	Services of physician
	Private duty nursing
	X-rays and laboratory services
	Rental or purchase of essential medical appliances
Ambulance	Up to the sum insured for ground, air or sea ambulance (including paramedics) or taxi in lieu
Follow-up visits	Up to 5 follow-up visits within 14 days of the initial emergency medical treatment
Prescription drugs	Up to a 30-day supply following an emergency during the trip
Professional medical services	Up to $600 for any one incident per practitioner for licensed
	Physiotherapists
	PodiatristsChiropractors
	Optometrists
	Chiropodists
	Osteopaths
Fracture treatment	Up to $1,000 for medical treatment related to fractures. This benefit includes:
	X-rays
	Re-examination physician visits
	Casting and re-casting
	Cast removal
Dental	Up to $6,000 for dental accidents during the trip
	Up to $600 for any other dental emergencies
Maternity	Up to $6,000 for pre-natal care, delivery and/or complications thereof
Hospital allowance	Up to $100 per day for incidental hospital charges
Emergency air transportation	Up to the sum insured for medical air evacuation. If medically required, this benefit also includes:
	The cost of a qualified medical attendant
	An airline seat upgrade
Airfare to return home for Treatment	Up to a one-way economy airfare to return to the country of permanent residence for immediate medical treatment*
	*Treatment must be required within 10 days of returning home
Return of travelling companion	When an insured traveller is returned to their country of permanent residence because of a medical emergency, this benefit includes:
	A one-way economy airfare for their travelling companion to also return home*
	*The travelling companion does not have to be insured
Return of dependent children	When an insured traveller is returned to their country of permanent residence because of a medical emergency, this benefit includes:
	Up to a one-way economy airfare for dependent children* to return home
	The cost of a qualified chaperone
	*Children do not have to be insured. This applies to children up to age 21, if residing with their parents/guardians or up to age 25, if full-time students. No age limit applies for children with cognitive, developmental or physical disabilities
Repatriation	Up to the sum insured for preparation and return of the body
	Up to $6,000 for burial or cremation at the place of death
	Transportation costs and insurance coverage for one family member to identify the body, and up to $400 per day to a maximum of $2,000 for their meals and accommodation
Family transportation	When an insured traveller is hospitalized, this benefit includes:
	A round trip economy airfare or ground transportation costs for a family member to be at their bedside
	Up to $400 per day to a maximum of $2,000 for out-of-pocket expenses
Out-of-pocket expenses	When a travelling companion is hospitalized on the date the insured traveller Is scheduled to return home or when they are transferred to a different hospital in another city for emergency medical treatment, this benefit includes:
	Up to $500 per day to a maximum of $5,000 for:
	Commercial accommodation
	Telephone calls
	Internet charges
	Taxi fare
	Parking charges
	Bus fare
	Rental car services
Child Care	Up to $500 per day to a maximum of $5,000 for child care costs* when the insured traveller is confined to hospital or transferred to a different hospital in another city for emergency medical treatment
	*Children must be insured and 18 years or under
Return of vehicle	When the insured traveller is not medically fit to drive home, this benefit includes:
	Up to $2,500 for a commercial agency to return the vehicle or up to a one-way economy airfare plus gas, meals and accommodation for a family member or friend to pick up and return the vehicle
24-hour accident insurance	Up to $25,000

Please refer to the policy wording for complete benefits, exclusions, limitations and conditions.

Policy