Visitor to Canada Premiums | Danforth Insurance

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Confirmation

Coverage dates: January 30, 2025 to January 29, 2026

According to the medical declaration, these applicant(s) are not eligible for the 21st Century Enhanced Plan.

Applicant 1
Applicant 2

Please choose an alternative plan

Eligibility

To be eligible for coverage, on the effective date, you must:

be a visitor to Canada or a person in Canada under a valid work or student visa, a Canadian or an immigrant not eligible for benefits under a government health insurance plan; and
be at least 15 days of age and less than 90 years of age; and
not be travelling against the advice of a physician and/or have not been diagnosed with a terminal illness; and
not be experiencing new or undiagnosed signs or symptoms and/or know of any reason to seek medical attention; and
not require assistance with the activities of daily living (dressing, bathing, eating, using the toilet or getting in or out of a bed or chair); and
have not been diagnosed or treated for pancreatic, liver, lung, brain or any kind of metastasized cancer; and
have not been diagnosed or treated for kidney condition requiring dialysis within the last 24 months; and
have not been diagnosed or treated for bone marrow or organ transplant within the last 24 months; and
have not been diagnosed for terminal sickness with less than 2 years to live; and
have not taken home oxygen in the past 12 months prior to the effective date

Are you eligible?

Yes

Eligibility

To be eligible for coverage, on the effective date, you must:

be a visitor to Canada or a person in Canada under a valid work or student visa, a Canadian or an immigrant not eligible for benefits under a government health insurance plan; and
be at least 15 days of age and less than 90 years of age; and
not be travelling against the advice of a physician and/or have not been diagnosed with a terminal illness; and
not be experiencing new or undiagnosed signs or symptoms and/or know of any reason to seek medical attention; and
not require assistance with the activities of daily living (dressing, bathing, eating, using the toilet or getting in or out of a bed or chair); and
have not been diagnosed or treated for pancreatic, liver, lung, brain or any kind of metastasized cancer; and
have not been diagnosed or treated for kidney condition requiring dialysis within the last 24 months; and
have not been diagnosed or treated for bone marrow or organ transplant within the last 24 months; and
have not been diagnosed for terminal sickness with less than 2 years to live; and
have not taken home oxygen in the past 12 months prior to the effective date

Are you eligible?

Yes

Eligibility

You are eligible for insurance plan if you have none of the following conditions:

are travelling against the advice of a physician.
have been diagnosed with a terminal illness with less than 2 years to live.
have been diagnosed with or received treatment within the past 2 years for pancreatic, lung, brain or liver cancer.
have ever been diagnosed with any type of cancer that has spread from one part or organ of the body to another (metastatic cancer).
have had or are waiting for an organ or bone marrow transplant (excluding corneal transplant).
have ever been diagnosed with Congestive Heart Failure.
have been prescribed or used home oxygen in the last 12 months.
require kidney dialysis.
reside in a nursing home, or long term care facility.

Are you eligible?

Yes

Eligibility

You are eligible for insurance plan if you have none of the following conditions:

You are travelling against the advice of a physician;
You have been diagnosed with a terminal illness with less than 2 years to live;
You have a kidney condition requiring dialysis;
You have used home oxygen during the 12 months prior to the date of application;
You have been diagnosed with Alzheimer’s disease or any other form of dementia;
You are under 30 days or over 85 years of age (over 69 years of age for $150,000 Emergency Medical coverage);
You reside in a nursing home, home for the aged, other long-term care facility or rehabilitation centre;
You require assistance with activities of daily living.

Are you eligible?

Yes

Eligibility

At the time of application, you are eligible for coverage if:

You know of no reason for which you may seek medical attention.
You are:
- A foreign worker, international student studying in Canada or a visitor to Canada with valid legal status in Canada; or,
- An immigrant awaiting provincial or territorial government health care coverage; or,
- A Canadian returning to Canada from an extended leave who is eligible for but not yet covered by a provincial or territorial government health care plan.
You are not travelling against a physician or other registered medical practitioner’s advice.
You have not been diagnosed with a terminal condition.
You are not receiving palliative care or palliative care has not been recommended.
You do not have Chronic Obstructive Pulmonary Disease (COPD), including emphysema, requiring home oxygen.
You do not have pancreatic cancer, liver cancer or any type of cancer that has metastasized or that required a bone marrow transplant.
You do not have kidney disease requiring dialysis.
You have not had or are not waiting for an organ transplant.
You have not been diagnosed with congestive heart failure also known as pulmonary edema.

Are you eligible?

Yes

Eligibility

1. Coverage is NOT AVAILABLE to any individual who, as of their effective date:
a) has been diagnosed with a terminal illness; or
b) has been diagnosed with stage 3 or 4 cancer; or
c) has received treatment for any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) in the past 3 months; or
d) requires assistance with activities of daily living as the result of a medical condition or state of health.

2. To be eligible for coverage, you must, as of the effective date:
a) be at least 15 days old and not more than 89 years old; and
b) not be insured or eligible for benefits under a Canadian government health insurance plan; and
c) be in good health at the time you purchase your policy and on the date you exit your country of origin, and know of no reason to seek medical consultation during the period of coverage.

Are you eligible?

Yes

Notice Regarding Excluded Medical Condition

If you or any of the applicants have already undergone one of the procedures mentioned below, or have already suffered or are currently suffering from one of the following cardiovascular conditions, all of the cardiovascular conditions listed will not be covered: bypass, angioplasty, defibrillator, heart attack, aortic aneurysm, angina, valvular heart disease, peripheral vascular disease, heart rhythm disorders (arrhythmia, tachycardia, bradycardia).
If you or any of the applicants have had a stroke – cerebrovascular accident or TIA – transient ischemic attack, both of these neurological conditions are not covered.
If you or any of the applicants have already suffered or are currently suffering from one of the following conditions, all of the pulmonary conditions listed are not covered: chronic bronchitis, emphysema, cystic fibrosis, COPD – chronic obstructive pulmonary disease.

In addition, if you or any of the applicants have ignored symptoms that can lead to one of these conditions, this also constitutes grounds for exclusion.

Notice Regarding Pre-existing Conditions

For an existing illness, injury or health issue to be covered during a trip, the pre-existing medical condition must be stable during the 3 months prior to the effective date of coverage.

For a pre-existing medical condition to be considered stable, it must meet all the following criteria:

No new medical diagnosis has been made
No new symptoms appeared and there was no worsening or increase in the frequency of existing symptoms
No hospitalization has taken place
No new medication was prescribed or recommended
No change of dosage was made to a medication already prescribed or recommended (dose increased or decreased, or consumption stopped)
No new treatment or medical test is pending or has been prescribed, ongoing or recommended
No ongoing treatment has been changed or discontinued
No prescribed or recommended treatment, nor medical advice has been ignored
Not have required the use of nitroglycerin for any heart condition

I confirm having read the notice regarding excluded medical conditions and the notice regarding pre-existing conditions and fully understand the associated exclusions.

Benefit	Details
Pre-existing conditions coverage	Age 55 and under: Covers if stable in 3 months prior insurance effective date Age 55 to 79: Covers if stable in 6 months prior insurance effective date All ages: No coverage if you have already been treated or recommended to receive treatment for Cardiovascular conditions, neurological conditions and/or Pulmonary conditions. Further details are in policy wording. Note: Does not cover any heart condition for which you have used nitroglycerin
Hospital accommodation	Semi-private room
Prescription drugs	Covers medication required for emergency treatment
Follow-up visits	Covers claims arising from sudden and unexpected situations (i.e., accidents and emergencies) and typically not follow-up or recurrent care.
Private duty nurse	Covers if required medically.
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Covers up to $2000 for treatment required as a result dental accident
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Covers diagnostic tests prescribed by the physician treating you on site for diagnostic purposes.
Medical Appliances	Covers medical devices (e.g., buying or renting couches, canes or splints, etc.) prescribed by a physician treating you on site.
Health professional services	Up to maximum $400 per health professional services such as Physiotherapist, Osteopath, Chiropractor, Podiatrist or chiropodist (combined)
Accidental death & dismemberment	Not covered
Return of deceased/ Cremation or burial	Up to $10,000 for return of deceased to the country of origin - excluding the cost of coffin. Up to $4,000 for cremation or burial - excluding cost of urn, coffin and tombstone.
Transportation to bedside	Some transportation expenses for a family member or a friend to identify the insured person if required.
Side trip coverage	May cover side trips outside Canada if all of the following conditions are satisfied: The side trip Must begin and end in Canada Must take place entirely within the coverage period Must not exceed 30 days Must not take place in your country of permanent residence
Out-of-pocket expenses	Up to $1,500 subsistence allowance to cover meals, taxi transportation, accommodation cost in commercial establishment, essential phone calls, childcare cost for children accompanying you on the trip.
Automatic extensions	Up to 24 hours: if returning to your country is postponed due to a carrier delay. For the duration of your hospitalization and 24-hour period following discharge from the hospital. Up to 72 hours: if returning to your country of permanent residence is postponed due to the medical emergency that affects you and must have started 24 hours prior to the return date.
Policy cancellation/ Refund	Before effective date: Full refund is available minus $25 administrative fee After effective date: You can request cancellation/refund during 10 days following date of purchase unless You have submitted a claim Policy is for 10 days or less
Waiting period	3 days waiting period applies if you have purchased coverage within 30 days after your arrival in Canada. During the waiting period you are covered for accidents and injuries but not for illness.

Benefit	Details
Pre-existing conditions coverage	Age 55 and under: Covers if stable in 3 months prior insurance effective date Age 55 to 79: Covers if stable in 6 months prior insurance effective date All ages: No coverage if you have already been treated or recommended to receive treatment for Cardiovascular conditions, neurological conditions and/or Pulmonary conditions. Further details are in policy wording. Note: Does not cover any heart condition for which you have used nitroglycerin
Hospital accommodation	Semi-private room
Prescription drugs	Covers medication required for emergency treatment
Follow-up visits	Covers claims arising from sudden and unexpected situations (i.e., accidents and emergencies) and typically not follow-up or recurrent care.
Private duty nurse	Covers if required medically.
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Covers up to $2000 for treatment required as a result dental accident
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Covers diagnostic tests prescribed by the physician treating you on site for diagnostic purposes.
Medical Appliances	Covers medical devices (e.g., buying or renting couches, canes or splints, etc.) prescribed by a physician treating you on site.
Health professional services	Up to maximum $400 per health professional services such as Physiotherapist, Osteopath, Chiropractor, Podiatrist or chiropodist (combined)
Accidental death & dismemberment	Not covered
Return of deceased/ Cremation or burial	Up to $10,000 for return of deceased to the country of origin - excluding the cost of coffin. Up to $4,000 for cremation or burial - excluding cost of urn, coffin and tombstone.
Transportation to bedside	Some transportation expenses for a family member or a friend to identify the insured person if required.
Side trip coverage	May cover side trips outside Canada if all of the following conditions are satisfied: The side trip Must begin and end in Canada Must take place entirely within the coverage period Must not exceed 30 days Must not take place in your country of permanent residence
Out-of-pocket expenses	Up to $1,500 subsistence allowance to cover meals, taxi transportation, accommodation cost in commercial establishment, essential phone calls, childcare cost for children accompanying you on the trip.
Automatic extensions	Up to 24 hours: if returning to your country is postponed due to a carrier delay. For the duration of your hospitalization and 24-hour period following discharge from the hospital. Up to 72 hours: if returning to your country of permanent residence is postponed due to the medical emergency that affects you and must have started 24 hours prior to the return date.
Policy cancellation/ Refund	Before effective date: Full refund is available minus $25 administrative fee After effective date: You can request cancellation/refund during 10 days following date of purchase unless You have submitted a claim Policy is for 10 days or less
Waiting period	3 days waiting period applies if you have purchased coverage within 30 days after your arrival in Canada. During the waiting period you are covered for accidents and injuries but not for illness.

Emergency Hospital & Medical: Up to the coverage amount you choose	Emergency Medical (including follow-up visits): Up to the coverage amount you choose
Emergency Transporta- tion (ambulance): Up to the coverage amount you choose	Accidental Dental: Up to $4,000
Dental emergency (relief of acute dental pain): Up to $500	Chiropractor, osteopath, chiropodist and or podiatrist, physio- therapist or acupunct- urist: $500 per profession
Private duty services of a registered nurse: Up to $10,000	Pre-existing Conditions Coverage: Covered if stable in 180 days prior policy start date
Out-of-Pocket Expenses: Up to $1,500	Return of Deceased: Up to $10,000
Emergency Paramedical: $500 per practitioner	Emergency Return Home to your country of origin: Up to $3,500
Accidental Death & Dismember- ment up to the coverage amount you choose	Policy Wording Exclusions

Emergency Hospital & Medical: Up to the coverage amount you choose	Emergency Medical (including follow-up visits): Up to the coverage amount you choose	Emergency Transportation (ambulance): Up to the coverage amount you choose
Accidental Dental: Up to 4,000	Dental emergency (relief of acute dental pain): Up to $500	Chiropractor, osteopath, chiropodist and or podiatrist, physiotherapist or acupuncturist: $500 per profession
Private duty services of a registered nurse: Up to $10,000	Pre-existing Conditions Coverage: Covered if stable in 180 days prior policy start date	Emergency Paramedical: $500 per practitioner
Emergency Return Home (to your country of origin): Up to $3,500	Out-of-Pocket Expenses (including accommodations and meals, childcare costs, essential telephone calls and taxi fares): Up to $1,500	Return of Deceased: Up to $10,000
Transportation of Family or Friend (to your bedside): Up to $3,000	Pre-existing medical condition coverage 59 and under: covers pre-existing conditions if stable for 90 days before the insurance start date 60 to 89: covers pre-existing conditions if stable for 180 days before the insurance start date	Accidental Death & Dismemberment: Up to the coverage amount you choose
Policy Wording Exclusions

Hospital accommodations are covered up to semi-private rooms, along with the hospital services and supplies required for the treatment of a medical emergency during hospitalization.	Emergency medical treatment provided by a physician or surgeon.	X-rays and other diagnostic tests are covered, except for magnetic resonance imaging (MRI), computed tomography (CT) scans, sonograms, ultrasounds, and biopsies, which are excluded unless pre-authorized by GMS.
Out-patient medical emergency room expenses	Prescription medication: Up to a maximum of a 30-day supply	Emergency road or air ambulance transport fees to the nearest hospital.
Expenses for emergency services provided by an osteopath, optometrist, physiotherapist, chiropractor, chiropodist or podiatrist are covered, up to a maximum of $500 per person	Accidental Dental: Up to $2,000 per person. Dental pain up to $300.	Return of Remains: Up to a maximum of $10,000 per person
Cremation or burial at the place of death: Up to a maximum of $4,000.	Childcare: Payment up to $500, with prior GMS approval for kids who are travelling with you	Out-of-Pocket Expenses: Up to $150 per day to a maximum of $1,000
Repatriation to Country of Origin by Commercial Airline without a Medical Attendant: Up to $5,000	Transportation of 1 accompanying family member insured under your policy.	Policy Wording

Hospital accommoda- tions are covered up to semi-private rooms, along with the hospital services and supplies required for the treatment of a medical emergency during hospitaliza- tion.	Emergency medical treatment provided by a physician or surgeon.
X-rays and other diagnostic tests are covered, except for magnetic resonance imaging (MRI), computed tomography (CT) scans, sonograms, ultrasounds, and biopsies, which are excluded unless pre- authorized by GMS.	Out-patient medical emergency room expenses
Prescription medication: Up to a maximum of a 30-day supply	Emergency road or air ambulance transport fees to the nearest hospital.
Expenses for emergency services provided by an osteopath, optometrist, physio- therapist, chiroprac- tor, chiropodist or podiatrist are covered, up to a maximum of $500 per person	Accidental Dental: Up to $2,000 per person. Dental pain up to $300.
Return of Remains: Up to a maximum of $10,000 per person	Cremation or burial at the place of death: Up to a maximum of $4,000.
Childcare: Payment up to $500, with prior GMS approval for kids who are travelling with you	Out-of-Pocket Expenses: Up to $150 per day to a maximum of $1,000
Transportation of 1 accompany- ing family member insured under your policy.	Repatriation to Country of Origin by Commercial Airline without a Medical Attendant: Up to $5,000
Policy Wording

Covers the following services up to the coverage limit you chose at the time of purchase: 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	Up to 5 follow-up visits within 14 days of the initial emergency medical treatment	Ambulance: Up to the coverage insured for ground, air or sea ambulance (including paramedics) or taxi in lieu
Prescription drugs: Up to a 30-day supply following an emergency during the trip	Up to $600 for any one incident per practitioner for licensed: Physiotherapists Chiropractors Chiropodists Osteopaths Podiatrists Optometrists Acupuncturists	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 and 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 coverage 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	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
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	Pre-existing medical conditions coverage: 59 years and under - 120 days stability period before the effective date of the policy 60 to 69 years - 180 days stability period before the effective date of the policy 70 years and over - 365 days stability period before the effective date of the policy
Policy Wording List of Benefits

Covers the following services up to the coverage limit you chose at the time of purchase: 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	Up to 5 follow-up visits within 14 days of the initial emergency medical treatment
Ambulance: Up to the coverage insured for ground, air or sea ambulance (including paramedics) or taxi in lieu	Prescription drugs: Up to a 30-day supply following an emergency during the trip
Up to $600 for any one incident per practitioner for licensed: Physio- therapists Chiroprac- tors Chiropodists Osteopaths Podiatrists Optometrists Acupunct- urists	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 and 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 coverage 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	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 accommoda- tion
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 accommoda- tion for a family member or friend to pick up and return the vehicle	24-hour accident insurance: Up to $25,000
Pre-existing medical conditions coverage: 59 years and under - 120 days stability period before the effective date of the policy 60 to 69 years - 180 days stability period before the effective date of the policy 70 years and over - 365 days stability period before the effective date of the policy	Policy Wording List of Benefis

Coverage options $15,000, $25,000, $50,000 and $100,000. Coverage option $150,000 available for ages up to 69.	No coverage is provided for pre-existing medical conditions that are treated 180 days before the effective date. No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to the effective date	Medical questionaire: Not required as long as eligibility criteria is met
Hospital & physician services	Expenses for paramedical services: Treatment received from a licensed chiropractor, osteopath, acupuncturist, chiropodist, physiotherapist or podiatrist, up to $70 per visit to a maximum of $700 for a covered injury.	Ambulance transportation: Reasonable and customary charges for local licensed ground ambulance.
Emergency dental treatment Up to $300 for the relief of dental pain Up to $4,000 to repair an accidental blow to the mouth.	$50,000 for death or double dismemberment $25,000 for single dismemberment	Other benefits include: Bringing someone to your bedside Meals, hotel, phone calls and taxi Repatriation of remains Evacuation home Return home of children Childcare Hospital allowance
Automatic Extensions: 72 hours if your carrier is delayed; 5 days if you or a travelling companion have a medical condition that prevents travel and are not hospitalized; if hospitalized, will extend for full period of hospitalization plus 5 days after discharge, to maximum of 12 months	Full refund available up to effective date; partial refund for early return (if no claim)	Family premiums available to those under 60 years; children must be at least 30 days of age.
Plan A Wording

Coverage options $15,000, $25,000, $50,000 and $100,000. Coverage option $150,000 available for ages up to 69.	No coverage is provided for pre-existing medical conditions that are treated 180 days before the effective date. No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to the effective date
Medical questionaire: Not required as long as eligibility criteria is met	Hospital & physician services
Expenses for paramedical services: Treatment received from a licensed chiroprac- tor, osteopath, acupunct- urist, chiropodist, physio- therapist or podiatrist, up to $70 per visit to a maximum of $700 for a covered injury.	Ambulance transportation: Reasonable and customary charges for local licensed ground ambulance.
Emergency dental treatment Up to $300 for the relief of dental pain Up to $4,000 to repair an accidental blow to the mouth.	$50,000 for death or double dismember- ment $25,000 for single dismember- ment
Other benefits include: Bringing someone to your bedside Meals, hotel, phone calls and taxi Repatriation of remains Evacuation home Return home of children Childcare Hospital allowance	Automatic Extensions: 72 hours if your carrier is delayed; 5 days if you or a travelling companion have a medical condition that prevents travel and are not hospitalized; if hospitalized, will extend for full period of hospitalization plus 5 days after discharge, to maximum of 12 months
Full refund available up to effective date; partial refund for early return (if no claim)	Family premiums available to those under 60 years; children must be at least 30 days of age.
Plan A Wording

Coverage options $15,000, $25,000, $50,000 and $100,000. Coverage option $150,000 available for ages up to 69.	Coverage provided for pre-existing medical condition in which the insured was stable in the 180 days prior to the effective date No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to the effective date	Medical questionaire: Up to age 39, not required; Ages 40 and over, required
Hospital & physician services	Expenses for paramedical services: Treatment received from a licensed chiropractor, osteopath, acupuncturist, chiropodist, physiotherapist or podiatrist, up to $70 per visit to a maximum of $700 for a covered injury.	Ambulance transportation: Reasonable and customary charges for local licensed ground ambulance.
Emergency dental treatment Up to $300 for the relief of dental pain Up to $4,000 to repair an accidental blow to the mouth.	$50,000 for death or double dismemberment $25,000 for single dismemberment	Other benefits include: Bringing someone to your bedside Meals, hotel, phone calls and taxi Repatriation of remains Evacuation home Return home of children Childcare Hospital allowance
Automatic Extensions: 72 hours if your carrier is delayed; 5 days if you or a travelling companion have a medical condition that prevents travel and are not hospitalized; if hospitalized, will extend for full period of hospitalization plus 5 days after discharge, to maximum of 12 months	Full refund available up to effective date; partial refund for early return (if no claim)	Family premiums not available
Plan B Wording

Coverage options $15,000, $25,000, $50,000 and $100,000. Coverage option $150,000 available for ages up to 69.	Coverage provided for pre-existing medical condition in which the insured was stable in the 180 days prior to the effective date No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to the effective date
Medical question- aire: Up to age 39, not required; Ages 40 and over, required	Hospital & physician services
Expenses for paramedical services: Treatment received from a licensed chiroprac- tor, osteopath, acupunct- urist, chiropodist, physio- therapist or podiatrist, up to $70 per visit to a maximum of $700 for a covered injury.	Ambulance transportation: Reasonable and customary charges for local licensed ground ambulance.
Emergency dental treatment Up to $300 for the relief of dental pain Up to $4,000 to repair an accidental blow to the mouth.	$50,000 for death or double dismember- ment $25,000 for single dismember- ment
Other benefits include: Bringing someone to your bedside Meals, hotel, phone calls and taxi Repatriation of remains Evacuation home Return home of children Childcare Hospital allowance	Automatic Extensions: 72 hours if your carrier is delayed; 5 days if you or a travelling companion have a medical condition that prevents travel and are not hospitalized; if hospitalized, will extend for full period of hospitalization plus 5 days after discharge, to maximum of 12 months
Full refund available up to effective date; partial refund for early return (if no claim)	Family premiums not available
Plan B Wording

Coverage options $15,000, $25,000, $50,000 and $100,000. Coverage option $150,000 available for ages up to 69.	Plan A: No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to the effective date Plan B: Coverage provided for pre-existing medical condition in which the insured was stable in the 180 days prior to the effective date Plan A & Plan B: No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to the effective date	Plan A: No medical questionaire required to be filled as long as eligibility criteria is met Plan B: Up to age 39, medical questionaire not required to be filled; Ages 40 and over, medical questionaire needs to be filled
Hospital & physician services	Expenses for paramedical services: Treatment received from a licensed chiropractor, osteopath, acupuncturist, chiropodist, physiotherapist or podiatrist, up to $70 per visit to a maximum of $700 for a covered injury.	Ambulance transportation: Reasonable and customary charges for local licensed ground ambulance.
Emergency dental treatment Up to $300 for the relief of dental pain Up to $4,000 to repair an accidental blow to the mouth.	$50,000 for death or double dismemberment $25,000 for single dismemberment	Other benefits include: Bringing someone to your bedside Meals, hotel, phone calls and taxi Repatriation of remains Evacuation home Return home of children Childcare Hospital allowance
Automatic Extensions: 72 hours if your carrier is delayed; 5 days if you or a travelling companion have a medical condition that prevents travel and are not hospitalized; if hospitalized, will extend for full period of hospitalization plus 5 days after discharge, to maximum of 12 months	Full refund available up to effective date; partial refund for early return (if no claim)	Plan A Wording Plan B Wording

Coverage options $15,000, $25,000, $50,000 and $100,000. Coverage option $150,000 available for ages up to 69.	Plan A: No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to the effective date Plan B: Coverage provided for pre-existing medical condition in which the insured was stable in the 180 days prior to the effective date Plan A & Plan B: No coverage for pre-existing medical condition for which insured was hospitalized more than once for 2 consecutive days during 12 months prior to the effective date
Plan A: No medical questionaire required to be filled as long as eligibility criteria is met Plan B: Up to age 39, medical questionaire not required to be filled; Ages 40 and over, medical questionaire needs to be filled	Hospital & physician services
Expenses for paramedical services: Treatment received from a licensed chiroprac- tor, osteopath, acupunct- urist, chiropodist, physio- therapist or podiatrist, up to $70 per visit to a maximum of $700 for a covered injury.	Ambulance transportation: Reasonable and customary charges for local licensed ground ambulance.
Emergency dental treatment Up to $300 for the relief of dental pain Up to $4,000 to repair an accidental blow to the mouth.	$50,000 for death or double dismember- ment $25,000 for single dismember- ment
Other benefits include: Bringing someone to your bedside Meals, hotel, phone calls and taxi Repatriation of remains Evacuation home Return home of children Childcare Hospital allowance	Automatic Extensions: 72 hours if your carrier is delayed; 5 days if you or a travelling companion have a medical condition that prevents travel and are not hospitalized; if hospitalized, will extend for full period of hospitalization plus 5 days after discharge, to maximum of 12 months
Full refund available up to effective date; partial refund for early return (if no claim)	Plan A Wording Plan B Wording

Benefit	Details
Pre-existing conditions	Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date.
Hospital accommodation	Covers ward rate
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 visits when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $1,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Covers lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance. MSH Assistance contact information can be found in policy document.
Medical Appliances	Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair.
Health professional services	Up to $300 per person, per profession such as Chiropractor, Physiotherapist, Podiatrist, osteopath
Accidental death & dismemberment	Up to $50,000
Return of deceased/ Cremation or burial	Up to $5,000 for return of remains to the country of origin. up to $2,500 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered.
Flight Accident	Up to $50,000 in case of death of an insured person as a result of a flight accident.
Transportation to bedside	Not covered
Side trip coverage	Included if : Side trip originates and terminates in Canada Max coverage is 30 days per trip Trip does not exceed 51% of the total number of coverage days Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons: Delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date.
Policy cancellation/ Refund	You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada.

Benefit	Details
Pre-existing conditions	Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date.
Hospital accommodation	Covers ward rate
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 visits when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $1,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Covers lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance. MSH Assistance contact information can be found in policy document.
Medical Appliances	Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair.
Health professional services	Up to $300 per person, per profession such as Chiropractor, Physiotherapist, Podiatrist, Podiatrist
Accidental death & dismemberment	Up to $50,000
Return of deceased/ Cremation or burial	Up to $5,000 for return of remains to the country of origin. up to $2,500 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered.
Flight Accident	Up to $50,000 in case of death of an insured person as a result of a flight accident.
Transportation to bedside	Not covered
Side trip coverage	Included if : Side trip originates and terminates in Canada Max coverage is 30 days per trip Trip does not exceed 51% of the total number of coverage days Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons: Delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date.
Policy cancellation/ Refund	You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada.

Benefit	Details
Pre-existing conditions coverage	Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date.
Hospital accommodation	Covers semi-private room
Prescription drugs	Up to $1,000 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 visits when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $3,000 for treatment as a result of accidental blow. Up to $500 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance. MSH Assistance contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair.
Health professional services	Up to $500 per person, per profession such as Chiropractor, Physiotherapist, Podiatrist, osteopath
Accidental death & dismemberment	Up to $50,000
Return of deceased/ Cremation or burial	Up to $10,000 for return of remains to the country of origin. up to $5,000 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered.
Flight Accident	Up to $50,000 in case of death of an insured person as a result of a flight accident.
Transportation to bedside	Covers the following when it is required to transfer a person of your choice to the insured person in emergency or to identify deceased insured person. single round-trip economy airfare $150 per day to a maximum of $3,000 for the cost of meals and commercial accommodation
Side trip coverage	Included if : Side trip originates and terminates in Canada. Max coverage is 30 days per trip. Trip does not exceed 51% of the total number of coverage days. Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country.
Out-of-pocket expenses	Up to $150 per day, to an overall maximum of $3,000 for Commercial accommodation Meals Essential phone calls Childcare cost for the dependents accompanying you on the trip
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date.
Policy cancellation/ Refund	You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada.

Benefit	Details
Pre-existing conditions coverage	Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date.
Hospital accommodation	Covers semi-private room
Prescription drugs	Up to $1,000 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 visits when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $3,000 for treatment as a result of accidental blow. Up to $500 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance. MSH Assistance contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair.
Health professional services	Up to $500 per person, per profession such as Chiropractor, Physiotherapist, Podiatrist, osteopath
Accidental death & dismemberment	Up to $50,000
Return of deceased/ Cremation or burial	Up to $10,000 for return of remains to the country of origin. up to $5,000 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered.
Flight Accident	Up to $50,000 in case of death of an insured person as a result of a flight accident.
Transportation to bedside	Covers the following when it is required to transfer a person of your choice to the insured person in emergency or to identify deceased insured person. single round-trip economy airfare $150 per day to a maximum of $3,000 for the cost of meals and commercial accommodation
Side trip coverage	Included if : Side trip originates and terminates in Canada. Max coverage is 30 days per trip. Trip does not exceed 51% of the total number of coverage days. Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country.
Out-of-pocket expenses	Up to $150 per day, to an overall maximum of $3,000 for Commercial accommodation Meals Essential phone calls Childcare cost for the dependents accompanying you on the trip
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date.
Policy cancellation/ Refund	You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada.

Benefit	Details
Pre-existing conditions coverage	Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date.
Hospital accommodation	Covers ward rate
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 visits when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $1,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance. MSH Assistance contact information can be found in policy document.
Medical Appliances	Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair.
Health professional services	Up to $300 per person, per profession such as Chiropractor, Physiotherapist, Podiatrist, Osteopath
Accidental death & dismemberment	Up to $100,000
Return of deceased/ Cremation or burial	Up to $5,000 for return of remains to the country of origin. up to $2,500 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered.
Flight Accident	Up to $50,000 in case of death of an insured person as a result of a flight accident.
Transportation to bedside	Not covered in Standard policy
Side trip coverage	Included if : Side trip originates and terminates in Canada Max coverage is 30 days per trip Trip does not exceed 51% of the total number of coverage days Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date.
Policy cancellation/ Refund	You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date. Policy cancellation can also be requested after the effective date upon the insured's return, even with claims.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada.

Benefit	Details
Pre-existing conditions coverage	Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date.
Hospital accommodation	Covers ward rate
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 visits when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $1,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance. MSH Assistance contact information can be found in policy document.
Medical Appliances	Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair.
Health professional services	Up to $300 per person, per profession such as Chiropractor, Physiotherapist, Podiatrist, Osteopath
Accidental death & dismemberment	Up to $100,000
Return of deceased/ Cremation or burial	Up to $5,000 for return of remains to the country of origin. up to $2,500 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered.
Flight Accident	Up to $50,000 in case of death of an insured person as a result of a flight accident.
Transportation to bedside	Not covered in Standard policy
Side trip coverage	Included if : Side trip originates and terminates in Canada Max coverage is 30 days per trip Trip does not exceed 51% of the total number of coverage days Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date.
Policy cancellation/ Refund	You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date. Policy cancellation can also be requested after the effective date upon the insured's return, even with claims.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada.

Benefit	Details
Pre-existing conditions coverage	Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date.
Hospital accommodation	Covers semi-private room
Prescription drugs	Up to $1,000 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 visits when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $3,000 for treatment as a result of accidental blow. Up to $500 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance. MSH Assistance contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair.
Health professional services	Up to $500 per person, per profession such as Chiropractor, Physiotherapist, Podiatrist, Osteopath
Accidental death & dismemberment	Up to $50,000
Return of deceased/ Cremation or burial	Up to $10,000 for return of remains to the country of origin. up to $5,000 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered.
Flight Accident	Up to $50,000 in case of death of an insured person as a result of a flight accident.
Transportation to bedside	Covers the following when it is required to transfer a person of your choice to the insured person in emergency or to identify deceased insured person. single round-trip economy airfare $150 per day to a maximum of $3,000 for the cost of meals and commercial accommodation
Side trip coverage	Included if : Side trip originates and terminates in Canada Max coverage is 30 days per trip Trip does not exceed 51% of the total number of coverage days Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country
Out-of-pocket expenses	Up to $150 per day, to an overall maximum of $3,000 for Commercial accommodation Meals Essential phone calls Childcare cost for the dependents accompanying you on the trip
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date.
Policy cancellation/ Refund	You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date. Policy cancellation can also be requested after the effective date upon the insured's return, even with claims.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada.

Benefit	Details
Pre-existing conditions coverage	Up to Age 69: Covers pre-existing medical conditions if stable in 90 days prior to the policy effective date. Age 70–84: Covers pre-existing medical conditions if stable in 180 days prior to the policy effective date.
Hospital accommodation	Covers semi-private room
Prescription drugs	Up to $1,000 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 visits when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $3,000 for treatment as a result of accidental blow. Up to $500 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies are covered only if approved in advance by MSH Assistance. MSH Assistance contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair.
Health professional services	Up to $500 per person, per profession such as Chiropractor, Physiotherapist, Podiatrist, Osteopath
Accidental death & dismemberment	Up to $50,000
Return of deceased/ Cremation or burial	Up to $10,000 for return of remains to the country of origin. up to $5,000 for cremation or burial at the place of death The cost of the casket, urn or funeral is not covered.
Flight Accident	Up to $50,000 in case of death of an insured person as a result of a flight accident.
Transportation to bedside	Covers the following when it is required to transfer a person of your choice to the insured person in emergency or to identify deceased insured person. single round-trip economy airfare $150 per day to a maximum of $3,000 for the cost of meals and commercial accommodation
Side trip coverage	Included if : Side trip originates and terminates in Canada Max coverage is 30 days per trip Trip does not exceed 51% of the total number of coverage days Visit to home country is permitted, the policy will not terminate however expenses will not be covered in home country
Out-of-pocket expenses	Up to $150 per day, to an overall maximum of $3,000 for Commercial accommodation Meals Essential phone calls Childcare cost for the dependents accompanying you on the trip
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons delay beyond your control of the vehicle, airline, bus, train or government operated ferry Medically unfit to return to your country of residence. You are hospitalized due to an emergency on the insurance expiry date.
Policy cancellation/ Refund	You may cancel the policy within 10 days of the purchase date for a full refund provided it is before the effective date. Policy cancellation can also be requested after the effective date upon the insured's return, even with claims.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 48-hour period following the effective date of the policy if policy is purchased within 30 days of your arrival to Canada. 8-day period following the effective date of the policy if insurance is purchased more than 30 days after your arrival to Canada.

Benefit	Details
Pre-existing conditions coverage	Not covered
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	1 follow-up visit when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Not covered
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies are covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.
Health professional services	No coverage for health professional services such as Accupuncturist, chiropractor, physiotherapist
Accidental death & dismemberment	No coverage
Return of deceased/ Cremation or burial	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered.
Transportation to bedside	Not covered
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Benefit	Details
Pre-existing conditions coverage	Not covered
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	1 follow-up visit when related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Not covered
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies are covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.
Health professional services	No coverage for health professional services such as Accupuncturist, chiropractor, physiotherapist
Accidental death & dismemberment	No coverage
Return of deceased/ Cremation or burial	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered.
Transportation to bedside	Not covered
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Benefit	Details
Pre-existing conditions coverage	Not covered if existed in 180 days prior the insurance start date
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	No follow-up visits limit provided these are related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies are covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.
Health professional services	Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist.
Accidental death & dismemberment	Up to maximum $25,000
Return of deceased/ Cremation or burial	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered.
Transportation to bedside	Not covered
Additional coverage	Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.
90-Day Provision (Reinstatement of Coverage)	Reinstatement of coverage for a second claim related to the same condition
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Benefit	Details
Pre-existing conditions coverage	Not covered if existed in 180 days prior the insurance start date
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	No follow-up visits limit provided these are related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies are covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.
Health professional services	Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist.
Accidental death & dismemberment	Up to maximum $25,000
Return of deceased/ Cremation or burial	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered.
Transportation to bedside	Not covered
Additional coverage	Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.
90-Day Provision (Reinstatement of Coverage)	Reinstatement of coverage for a second claim related to the same condition
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Benefit	Details
Pre-existing conditions coverage	Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	No follow-up visits limit provided these are related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies are covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.
Health professional services	Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist.
Accidental death & dismemberment	Up to maximum $25,000
Return of deceased/ Cremation or burial	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered.
Transportation to bedside	Not covered
Additional coverage	Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.
90-Day Provision (Reinstatement of Coverage)	Reinstatement of coverage for a second claim related to the same condition
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Benefit	Details
Pre-existing conditions coverage	Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	No follow-up visits limit provided these are related to the medical emergency.
Private duty nurse	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies are covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.
Health professional services	Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist.
Accidental death & dismemberment	Up to maximum $25,000
Return of deceased/ Cremation or burial	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered.
Transportation to bedside	Not covered
Additional coverage	Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.
90-Day Provision (Reinstatement of Coverage)	Reinstatement of coverage for a second claim related to the same condition
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Benefit	Basic	Enhanced
Pre-existing conditions coverage	Not covered	Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Hospital accommodation	Semi-private room	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	1 follow-up visit when related to the medical emergency.	No follow-up visits limit provided these are related to the medical emergency.
Private duty nurse	Up to $5,000	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.	Covers ground and/or air transport when medically necessary.
Accidental dental	Not covered	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheteriza- tion, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheteriza- tion, angioplasty, cardiovas- cular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.
Health professional services	No coverage for health professional services such as Accupuncturist, chiropractor, physiotherapist	Up to a combined total of $1,000 for healthcare practitioners such as Accupunct- urist, chiropractor, physio- therapist.
Accidental death & dismemberment	No coverage	Up to maximum $25,000
Return of deceased/ Cremation or burial	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documenta- tion The cost of the coffin or urn is not covered.	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documenta- tion The cost of the coffin or urn is not covered.
Transportation to bedside	Not covered	Not covered
Additional coverage	No additional coverage	Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.
90-Day Provision (Reinstate- ment of Coverage)	Not covered	Reinstate- ment of coverage for a second claim related to the same condition
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.
Out-of-pocket expenses	Not covered	Not covered
Automatic extensions	Coverage will be extended if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.	Coverage will be extended if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Benefit	Basic plan	Enhanced plan
Pre-existing conditions coverage	Not covered	Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Hospital accommodation	Semi-private room	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	1 follow-up visit when related to the medical emergency.	No follow-up visits limit provided these are related to the medical emergency.
Private duty nurse	Up to $5,000	Up to $5,000
Ground or air transportation	Covers ground and/or air transport when medically necessary.	Covers ground and/or air transport when medically necessary.
Accidental dental	Not covered	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.	Lab tests and x-rays when related to the medical emergency. Tests such as Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsiesare covered only if approved in advance by the assistance center. Assistance center contact information can be found in the policy document.
Medical Appliances	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.	Up to $5,000 for rental of a hospital bed, wheelchair, crutches, splints, canes, slings, trusses or braces or other prosthetic appliance when related to medical emergency.
Health professional services	No coverage for health professional services such as Accupuncturist, chiropractor, physiotherapist	Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist.
Accidental death & dismemberment	No coverage	Up to maximum $25,000
Return of deceased/ Cremation or burial	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered.	In case of death covers up to $7,500 for the combined cost for Burial or cremation Transporting body to the place of burial Cost for preparing related legal documentation The cost of the coffin or urn is not covered.
Transportation to bedside	Not covered	Not covered
Additional coverage	No additional coverage	Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.
90-Day Provision (Reinstatement of Coverage)	Not covered	Reinstatement of coverage for a second claim related to the same condition
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided you must be continuously insured under a 21st Century Visitors to Canada policy the maximum number of combined days you can be covered in any other country must not exceed 30 days in total within a 365-day period; you must be in Canada or you must have a planned insured visit to Canada for no less than 51% of the overall time that you will be insured with 21st Century.
Out-of-pocket expenses	Not covered	Not covered
Automatic extensions	Coverage will be extended if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.	Coverage will be extended if your trip is prolonged due to one of the following reasons Coverage will be extended for 72 hours if return is not possible because of Common carrier In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.	You can request policy cancellation before the effective date. 100% refund is available if no visa is granted. Partial refunds can also be requested upon early return. If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada	Waiting period applies If you purchase policy after your arrival in Canada 15 days period if age is 86 or old. 72 hours period if age is 85 or under and policy is purchased within 30 days after arrival in Canada. 7 days period if age is 85 or under and policy is purchased in 31 or more days after arrival in Canada

Benefit	Details
Pre-existing conditions coverage	Not covered
Hospital accommodation	Semi-private room
Prescription drugs	Up to $1000 per prescription limited to 30 days supply.
Follow-up visits	Up to one follow-up visit to a maximum of $1,000 provided it is related to medical emergency.
Private duty nurse	Covered if the attending physician prescribes services.
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Diagnostic tests such as sonograms, electro- cardiograms, computer- ized axial tomography (CAT scan) and magnetic resonance imaging (MRI). if prescribed by attending physician. Travelance must pre-authorize these tests.
Medical Appliances	Medical equipment purchased or rented are covered with the following limits: Orthotics - $500 Braces (knee/back/etc) $1,000
Health professional services	No coverage for healthcare practitioners such as Accupuncturist, chiropractor, physio- therapist, etc.
Accidental death & dismember- ment	Not covered
Return of deceased/ Cremation or burial	Up to $10,000 for repatriation of Your body or ashes to your home country. Up to $4,000 for cremation or burial excluding cost for headstone, casket, urn and/or funeral service expenses. In order to identify insured’s remains it covers a round-trip economy airfare for someone to travel to place to identify remains Up to $450 for commercial accommodation and meals
Transportation to bedside	Not covered
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided Side trips are restricted to a maximum of 45 days. The number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if return is not possible because of common carrier delay In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case you are medically unfit to travel but not hospitalized then coverage will be extended for up to 3 days.
Policy cancellation/ Refund	You can request policy cancellation within 10 days of purchase for full refund provided it is before the effective date. Policy cancellation can be requested after 10 days provided you have not reported a claim.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 24 hours for an injury 48 hours for a sickness if your start date is within 30 days of your arrival date 48 hours for a sickness if you are continuing coverage from an existing policy with another Canadian insurance company or from a provincial GHIP plan 7 days for sickness if your start date is more than 30 days from your arrival date.

Benefit	Details
Pre-existing conditions coverage	Not covered
Hospital accommodation	Semi-private room
Prescription drugs	Up to $1000 per prescription limited to 30 days supply.
Follow-up visits	Up to one follow-up visit to a maximum of $1,000 provided it is related to medical emergency.
Private duty nurse	Covered if the attending physician prescribes services.
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Diagnostic tests such as sonograms, electrocardiograms, computerized axial tomography (CAT scan) and magnetic resonance imaging (MRI). if prescribed by attending physician. Travelance must pre-authorize these tests.
Medical Appliances	Medical equipment purchased or rented are covered with the following limits: Orthotics - $500 Braces (knee/back/etc) $1,000
Health professional services	No coverage for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist, etc.
Accidental death & dismemberment	Not covered
Return of deceased/ Cremation or burial	Up to $10,000 for repatriation of Your body or ashes to your home country. Up to $4,000 for cremation or burial excluding cost for headstone, casket, urn and/or funeral service expenses. In order to identify insured’s remains it covers a round-trip economy airfare for someone to travel to place to identify remains Up to $450 for commercial accommodation and meals
Transportation to bedside	Not covered
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided Side trips are restricted to a maximum of 45 days. The number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be extended for 72 hours if return is not possible because of common carrier delay In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case you are medically unfit to travel but not hospitalized then coverage will be extended for up to 3 days.
Policy cancellation/ Refund	You can request policy cancellation within 10 days of purchase for full refund provided it is before the effective date. Policy cancellation can be requested after 10 days provided you have not reported a claim.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 24 hours for an injury 48 hours for a sickness if your start date is within 30 days of your arrival date 48 hours for a sickness if you are continuing coverage from an existing policy with another Canadian insurance company or from a provincial GHIP plan 7 days for sickness if your start date is more than 30 days from your arrival date.

Benefit	Details
Pre-existing conditions coverage	Not covered
Hospital accommodation	Semi-private room
Prescription drugs	Up to $10,000 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 follow-up visits to a maximum of $3,000 provided it is related to medical emergency.
Private duty nurse	Covered if the attending physician prescribes services.
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $4,000 for treatment as a result of accidental blow. Up to $500 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Diagnostic tests such as sonograms, electrocardiograms, computerized axial tomography (CAT scan) and magnetic resonance imaging (MRI). if prescribed by attending physician. Travelance must pre-authorize these tests.
Medical Appliances	Medical equipment purchased or rented are covered with the following limits: Orthotics - $500; Braces (knee/back/etc) $1,000;
Health professional services	Up to $500 per practitioner such as acupressurist, acupuncturist, chiropodist, naturopath, osteopath, physiotherapist, podiatrist
Accidental death & dismemberment	Up to $100,000
Return of deceased/Cremation or burial	Up to $16,000 for repatriation of Your body or ashes to your home country. Up to $6,000 for cremation or burial excluding cost for headstone, casket, urn and/or funeral service expenses. In order to identify insured’s remains it covers a round-trip economy airfare for someone to travel to place to identify remains Up to $450 for commercial accommodation and meals
Transportation to bedside	Covers some cost to transport a person in family or friend to you in case of medical emergency Up to $3,000 for the cost of a round-trip fare via the most direct route Up to $1,000 for commercial accommodation and meals.
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided Side trips are restricted to a maximum of 45 days. The number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for commercial accommodation and meals, essential telephone calls and taxi fares.
Automatic extensions	Coverage will be extended for 72 hours if return is not possible because of common carrier delay In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case you are medically unfit to travel but not hospitalized then coverage will be extended for up to 3 days.
Policy cancellation/ Refund	You can request policy cancellation within 10 days of purchase for full refund provided it is before the effective date. Policy cancellation can be requested after 10 days provided you have not reported a claim.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 24 hours for an injury 48 hours for a sickness if your start date is within 30 days of your arrival date 48 hours for a sickness if you are continuing coverage from an existing policy with another Canadian insurance company or from a provincial GHIP plan 7 days for sickness if your start date is more than 30 days from your arrival date.

Benefit	Details
Pre-existing conditions coverage	Not covered
Hospital accommodation	Semi-private room
Prescription drugs	Up to $10,000 per prescription limited to 30 days supply.
Follow-up visits	Up to 3 follow-up visits to a maximum of $3,000 provided it is related to medical emergency.
Private duty nurse	Covered if the attending physician prescribes services.
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Accidental dental	Up to $4,000 for treatment as a result of accidental blow. Up to $500 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Diagnostic tests such as sonograms, electro- cardiograms, computer- ized axial tomography (CAT scan) and magnetic resonance imaging (MRI). if prescribed by attending physician. Travelance must pre-authorize these tests.
Medical Appliances	Medical equipment purchased or rented are covered with the following limits: Orthotics - $500; Braces (knee/back/etc) $1,000;
Health professional services	Up to $500 per practitioner such as acupressurist, acupuncturist, chiropodist, naturopath, osteopath, physio- therapist, podiatrist
Accidental death & dismember- ment	Up to $100,000
Return of deceased/ Cremation or burial	Up to $16,000 for repatriation of Your body or ashes to your home country. Up to $6,000 for cremation or burial excluding cost for headstone, casket, urn and/or funeral service expenses. In order to identify insured’s remains it covers a round-trip economy airfare for someone to travel to place to identify remains Up to $450 for commercial accommodation and meals
Transportation to bedside	Covers some cost to transport a person in family or friend to you in case of medical emergency Up to $3,000 for the cost of a round-trip fare via the most direct route Up to $1,000 for commercial accommodation and meals.
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided Side trips are restricted to a maximum of 45 days. The number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for commercial accommodation and meals, essential telephone calls and taxi fares.
Automatic extensions	Coverage will be extended for 72 hours if return is not possible because of common carrier delay In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case you are medically unfit to travel but not hospitalized then coverage will be extended for up to 3 days.
Policy cancellation/ Refund	You can request policy cancellation within 10 days of purchase for full refund provided it is before the effective date. Policy cancellation can be requested after 10 days provided you have not reported a claim.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 24 hours for an injury 48 hours for a sickness if your start date is within 30 days of your arrival date 48 hours for a sickness if you are continuing coverage from an existing policy with another Canadian insurance company or from a provincial GHIP plan 7 days for sickness if your start date is more than 30 days from your arrival date.