Benefit

Details

• Up to age 59: covers pre-existing conditions stable in 3 months prior to the effective date
• Age 60 and above: Covers pre-existing conditions stable in 6 or 3 months prior to the effective date. The stability period of 3 or 6 months is determined based on your answers to the medical questionnaire.

Exclusions to the coverage of pre-existing conditions apply. See further details in the policy wording.

Reasonable and customary expenses for the semi-private room

Covers prescribed drugs if required for the emergency medical treatment

Travel insurance covers claims arising from sudden and unexpected situations (i.e., accidents and emergencies) and typically not follow-up or recurrent visits

Reasonable and customary expenses for licensed private duty nurse while your stay in hospital

Reasonable and customary charges for a local licensed ambulance service

• Up to $300 for services to relieve dental pain, and
• Up to $3,000 to repair or replace natural or permanently attached artificial teeth when you suffer an accidental blow to the mouth.

Conditions apply. See further details in the policy wording.

Lab and diagnostics services for emergency medical treatment are covered ONLY if pre-approved by the assistance center. In the event of an emergency you or someone on your behalf call the Assistance Centre immediately before taking emergency medical treatment.

The lesser cost to rent or purchase a wheelchair, hospital bed, brace, crutch, and other medical appliances

Up to $70 per visit to a combined maximum of $700 for services by a licensed chiropractor, osteopath, physiotherapist, chiropodist, or podiatrist

• Covers costs to return your body home in the standard transportation container used by the airline plus $5,000 to prepare your body to transport in case of death.
• The costs to return your ashes home, plus up to $5,000 to cremate your body where you die, including the cost of a standard urn.

In case you are hospitalized for 3 or more days and travelling alone then we cover the following to bring someone to your bedside:

• Return economy-class airfare on the most cost-effective Itinerary
• Up to $1,000 for their hotel and meals
• Emergency medical insurance for them under the same terms and conditions of this policy until you are medically fit to return home

When you are hospitalized for 48 hours or more, out-of-pocket expenses are reimbursed such as phone calls, TV rental, and parking fees. We pay up to $50 per day to a maximum of $500. You must provide original receipts for all expenses.

Coverage is automatically extended if:

• If your common carrier is delayed, we will extend your coverage for up to 72 hours.
• If you or your travel companion have an emergency that prevents travel but does not require hospitalization, we will extend your coverage for up to 5 days.
• If you or your travel companion are hospitalized on your return date, we will extend coverage during hospitalization and for up to 5 days after hospital discharge.

• You may cancel your policy at any time before your departure date.

• You may also request a premium refund for your unused days when:
• You return home early and have not started a claim or had any cause for a claim; and
• All travelers insured under the same policy return home together.