Benefit

Details

Pre-existing conditions coverage

Age 59 or younger Covered only if stable during the 90 days prior to the policy effective date 

Age 60 to 79 Covered only if stable during the 180 days prior to the policy effective date

Hospital accommodation

Reasonable and customary expenses for the semi-private room

Prescription drugs

Eligible expenses limited to 30-day supply for out-patient treatment

Private duty nurse

Up to $5,000 and must be pre-approved by Zurich Assistance. Contact information for Zurich Assistance can be found in the policy wording

Ambulance transportation

Eligible expense

Accidental dental

• Accidental blow to mouth up to $3,000 
• Relief of Dental Pain up to $500

Laboratory tests & diagnostic services

Lab tests and/or x-ray examination as ordered by a physician for diagnosis are covered at the time of initial emergency. 

Note: This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) ZC-DEST-15103 U 0825 Table of Contents 17 scans, sonograms, ultrasounds and biopsies unless such services are approved in advance by Zurich Assistance. Contact information for Zurich Assistance can be found in the policy wording

Medical Appliances

Eligible expenses when prescribed by attending physician

Health professional services

Physiotherapist, chiropractor, chiropodist, osteopath, podiatrist when ordered by the attending physician up to $350 per practitioner for out-patient treatment

Return of deceased/ Cremation or burial

Transportation to bedside

When approved by Zurich Assistance, roundtrip economy airfare and up to $150 per day to a maximum of $1,500 for a person of your choice to be by your bedside when hospitalized

Out-of-pocket expenses

Up to $50 per day to a maximum of $250

Automatic extensions

Coverage is automatically extended if:

• If your common carrier is delayed coverage is extended for up to 72 hours.

• If you have an emergency that prevents travel but does not require hospitalization, coverage is extended for up to 5 days.
• If you are hospitalized on your return date, coverage is extended during the period of hospital confinement plus 72 hours after hospital discharge.

Policy cancellation/ Refund

1. You can cancel policy and get full refund within 10 days of purchase provided your coverage has not begun.

Premium refunds are considered only in the following two conditions:

1. the entire trip is cancelled prior to the effective date
2. you return to your province/territory of residence prior to the expiry date.

Note: Refunds will be processed only when there is no claim on the insurance policy.