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

Medical services received from physician in or out of hospital (conditions apply*)	One follow-up per event of sickness or injury	Lab tests required by physicians to determine a medical condition
Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered	Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center	Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
semi-private room when available and intensive care unit when medically necessary	Licensed local ambulance service	Emergency air transport if recommended by our medical advisor or physician
Accupuncturist, chiropractor, physiotherapist	No dental pain relief	No coverage for pre-existing conditions
No coverage for accidental death & dismemberment	No dental accident coverage	Policy Wording

Medical services received from physician in or out of hospital (conditions apply*)	One follow-up per event of sickness or injury
Lab tests required by physicians to determine a medical condition	Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered
Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center	Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
semi-private room when available and intensive care unit when medically necessary	Licensed local ambulance service
Emergency air transport if recommended by our medical advisor or physician	Accupuncturist, chiropractor, physiotherapist
No dental pain relief	No coverage for pre-existing conditions
No coverage for accidental death & dismemberment	No dental accident coverage
Policy Wording

Medical services received from physician in or out of hospital (conditions apply*)	No limit on follow-up visits per event of sickness or injury	Lab tests required by physicians to determine a medical condition
Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered	Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center	Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
semi-private room when available and intensive care unit when medically necessary	Licensed local ambulance service	Emergency air transport if recommended by our medical advisor or physician
accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist	Dental treatment if necessitated as a result of accidental blow to your face: Up to $4,000 coverage	Up to $300 acute dental pain for which you have not previously received treatment or advice
Provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)	Reinstatement of coverage for a second claim related to the same condition	Pre-existing medical conditions not covered If conditions existed in 180 days prior to effective date
Accidental death & dismemberment: Up to $25,000 coverage	Policy Wording

Medical services received from physician in or out of hospital (conditions apply*)	No limit on follow-up visits per event of sickness or injury
Lab tests required by physicians to determine a medical condition	Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered
Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center	Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
semi-private room when available and intensive care unit when medically necessary	Licensed local ambulance service
Emergency air transport if recommended by our medical advisor or physician	accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist
Dental treatment if necessitated as a result of accidental blow to your face: Up to $4,000 coverage	Up to $300 acute dental pain for which you have not previously received treatment or advice
Provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)	Reinstatement of coverage for a second claim related to the same condition
Pre-existing medical conditions not covered If conditions existed in 180 days prior to effective date	AD&D: Up to $25,000 coverage
Policy Wording

Covers pre-existing medical condition if stable in 180 days prior to the insurance start date.	Medical services received from physician in or out of hospital (conditions apply*)	No limit on follow-up visits per event of sickness or injury
Lab tests required by physicians to determine a medical condition	Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered	Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center
Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)	semi-private room when available and intensive care unit when medically necessary	Licensed local ambulance service
Emergency air transport if recommended by our medical advisor or physician	accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist	Dental treatment if necessitated as a result of accidental blow to your face: Up to $4,000 coverage
Up to $300 acute dental pain for which you have not previously received treatment or advice	Provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)	Reinstatement of coverage for a second claim related to the same condition
Accidental death & dismemberment: Up to $25,000 coverage	Policy Wording

Standard plan: Does not Cover pre-existing medical condition if existed in 180 days prior to the insurance start date. Enhanced plan: Covers pre-existing medical condition if stable in 180 days prior to the insurance start date.	Medical services received from physician in or out of hospital (conditions apply*)	No limit on follow-up visits per event of sickness or injury
Lab tests required by physicians to determine a medical condition	Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered	Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center
Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)	semi-private room when available and intensive care unit when medically necessary	Licensed local ambulance service
Emergency air transport if recommended by our medical advisor or physician	accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist	Dental treatment if necessitated as a result of accidental blow to your face: Up to $4,000 coverage
Up to $300 acute dental pain for which you have not previously received treatment or advice	Provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)	Reinstatement of coverage for a second claim related to the same condition
Accidental death & dismemberment: Up to $25,000 coverage	Policy Wording

Basic plan: No Coverage for pre-existing medical conditions Enhanced plan: Covers pre-existing medical condition if stable in 180 days prior to the insurance start date	Medical services received from physician in or out of hospital (conditions apply*)	Basic plan: One follow-up per event of sickness or injury Enhanced plan: No limit on follow-up visits per event of sickness or injury
Lab tests required by physicians to determine a medical condition	Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered	Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center
Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)	semi-private room when available and intensive care unit when medically necessary	Licensed local ambulance service
Emergency air transport if recommended by our medical advisor or physician	accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist	Basic plan: No Dental coverage Enhanced plan: Dental treatment if necessitated as a result of accidental blow to your face: Up to $4,000 coverage
Basic plan: No Dental coverage Enhanced plan: Up to $300 acute dental pain for which you have not previously received treatment or advice	Provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)	Basic plan: No reinstatement of coverage Enhanced plan: Reinstatement of coverage for a second claim related to the same condition
Basic plan: No Accidental death & dismemberment coverage Enhanced plan: Accidental death & dismemberment: Up to $25,000 coverage	Basic Plan Wording Enhanced Plan Wording

Basic plan: No Coverage for pre-existing medical conditions Enhanced plan: Covers pre-existing medical condition if stable in 180 days prior to the insurance start date	Medical services received from physician in or out of hospital (conditions apply*)
Basic plan: One follow-up per event of sickness or injury Enhanced plan: No limit on follow-up visits per event of sickness or injury	Lab tests required by physicians to determine a medical condition
Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered	Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center
Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)	semi-private room when available and intensive care unit when medically necessary
Licensed local ambulance service	Emergency air transport if recommended by our medical advisor or physician
accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist	Basic plan: No Dental coverage Enhanced plan: Dental treatment if necessitated as a result of accidental blow to your face: Up to $4,000 coverage
Basic plan: No Dental coverage Enhanced plan: Up to $300 acute dental pain for which you have not previously received treatment or advice	Provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)
Basic plan: No reinstatement of coverage Enhanced plan: Reinstatement of coverage for a second claim related to the same condition	Basic plan: No AD&D coverage Enhanced plan: AD&D: Up to $25,000 coverage
Basic Plan Wording Enhanced Plan Wording

Covers pre-existing medical condition if stable in 180 days prior to the insurance start date.	Medical services received from physician in or out of hospital (conditions apply*)
No limit on follow-up visits per event of sickness or injury	Lab tests required by physicians to determine a medical condition
Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered	Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center
Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)	semi-private room when available and intensive care unit when medically necessary
Licensed local ambulance service	Emergency air transport if recommended by our medical advisor or physician
accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist	Dental treatment if necessitated as a result of accidental blow to your face: Up to $4,000 coverage
Up to $300 acute dental pain for which you have not previously received treatment or advice	Provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)
Reinstatement of coverage for a second claim related to the same condition	AD&D: Up to $25,000 coverage
Policy Wording

Standard plan: Does not cover pre-existing medical condition if existed in 180 days prior to the insurance start date. Enhanced plan: Covers pre-existing medical condition if stable in 180 days prior to the insurance start date.	Medical services received from physician in or out of hospital (conditions apply*)
No limit on follow-up visits per event of sickness or injury	Lab tests required by physicians to determine a medical condition
Prescription medications up to $500 and not exceeding a 30-day supply. Medication that can be purchased over the counter is not covered	Cardiac catheterization, angioplasty, cardiovascular surgery, related tests, MRI, CT scans, sonograms, ultrasounds, or biopsies if approved by our assistance center
Private registered nursing, Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)	semi-private room when available and intensive care unit when medically necessary
Licensed local ambulance service	Emergency air transport if recommended by our medical advisor or physician
accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist	Dental treatment if necessitated as a result of accidental blow to your face: Up to $4,000 coverage
Up to $300 acute dental pain for which you have not previously received treatment or advice	Provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada (conditions apply *)
Reinstatement of coverage for a second claim related to the same condition	AD&D: Up to $25,000 coverage
Policy Wording

covers pre-existing medical conditions if stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior the insurance start date.	Coverage options from $25,000 to $1,000,000.00
Hospital accomodation: ward rate	Covers medical services
Covers diagnostic services	Prescription drugs: 30 days, up to $500 per prescription
Private duty nurse: Up to $5,000	Paramedical services: $300 per incident per service
Emergency dental: $1,000 due to accident & $300 for pain	Medical appliances: $5,000
Covers emergency transportation	Repartriation of remains: Up to $5,000
Up to 3 follow up visits	Accidental death & dismemberment: up to $50,000
Flight accident: up to $50,000	Policy Wording

covers pre-existing medical conditions if stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior the insurance start date.	Coverage options from $25,000 to $1,000,000.00
Hospital accomodation: ward rate	Covers medical services
Covers diagnostic services	Prescription drugs: 30 days, up to $500 per prescription
Private duty nurse: Up to $5,000	Paramedical services: $300 per incident per service
Emergency dental: $1,000 due to accident & $300 for pain	Medical appliances: $5,000
Covers emergency transportation	Repartriation of remains: Up to $5,000
Up to 3 follow up visits	Accidental death & dismemberment: up to $50,000
Flight accident: up to $50,000	Policy Wording

covers pre-existing medical conditions if stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior the insurance start date.	Coverage options from $25,000 to $1,000,000.00	Hospital accomodation: ward rate
Covers medical services	Covers diagnostic services	Prescription drugs: 30 days, up to $500 per prescription
Private duty nurse: Up to $5,000	Paramedical services: $300 per incident per service	Emergency dental: $1,000 due to accident & $300 for pain
Medical appliances: $5,000	Covers emergency transportation	Repartriation of remains: Up to $5,000
Up to 3 follow up visits	Accidental death & dismemberment: up to $50,000	Flight accident: up to $50,000
Policy Wording

covers pre-existing medical conditions if stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior the insurance start date.	Coverage options from $25,000 to $1,000,000.00	Hospital accomodation: ward rate
Covers medical services	Covers diagnostic services	Prescription drugs: 30 days, up to $500 per prescription
Private duty nurse: Up to $5,000	Paramedical services: $300 per incident per service	Emergency dental: $1,000 due to accident & $300 for pain
Medical appliances: $5,000	Covers emergency transportation	Repartriation of remains: Up to $5,000
Up to 3 follow up visits	Accidental death & dismemberment: up to $50,000	Flight accident: up to $50,000
Policy Wording

covers pre-existing medical conditions if stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior the insurance start date.	Coverage options from $25,000 to $1,000,000.00
Hospital accomodation: Up to semi private room	Covers medical services
Covers diagnostic services	Prescription drugs: 30 days, up to $1,000 per prescription
Private duty nurse: included	Paramedical services: $500 per incident per service
Emergency dental: $3,000 due to accident & $500 for pain	Medical appliances: $5,000
Covers emergency transportation	Transportation to bedside: Up to $3,000 for roundtrip airfair
Repartriation of remains: Up to $10,000	Meal and accomodation: Maximum up to $3,000
Hospital allowance: $50 per day, maximum $500	Up to 3 follow up visits
Accidental death & dismemberment: up to $50,000	Flight accident: up to $50,000
Return & Escort of children: Included via economy airfair	Excess baggage return: up to $500
Policy Wording

covers pre-existing medical conditions if stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior the insurance start date.	Coverage options from $25,000 to $1,000,000.00
Hospital accomodation: Up to semi private room	Covers medical services
Covers diagnostic services	Prescription drugs: 30 days, up to $1,000 per prescription
Private duty nurse: included	Paramedical services: $500 per incident per service
Emergency dental: $3,000 due to accident & $500 for pain	Medical appliances: $5,000
Covers emergency transportation	Transportation to bedside: Up to $3,000 for roundtrip airfair
Repartriation of remains: Up to $10,000	Meal and accomodation: Maximum up to $3,000
Hospital allowance: $50 per day, maximum $500	Up to 3 follow up visits
Accidental death & dismemberment: up to $50,000	Flight accident: up to $100,000
Return & Escort of children: Included via economy airfair	Excess baggage return: up to $500
Policy Wording

covers pre-existing medical conditions if stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior the insurance start date.	Coverage options from $25,000 to $1,000,000.00	Hospital accomodation: Up to semi private room
Covers medical services	Covers diagnostic services	Prescription drugs: 30 days, up to $1,000 per prescription
Private duty nurse: included	Paramedical services: $500 per incident per service	Emergency dental: $3,000 due to accident & $500 for pain
Medical appliances: $5,000	Covers emergency transportation	Transportation to bedside: Up to $3,000 for roundtrip airfair
Repartriation of remains: Up to $10,000	Meal and accomodation: Maximum up to $3,000	Hospital allowance: $50 per day, maximum $500
Up to 3 follow up visits	Accidental death & dismemberment: up to $50,000	Flight accident: up to $50,000
Return & Escort of children: Included via economy airfair	Excess baggage return: up to $500	Policy Wording

covers pre-existing medical conditions if stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior the insurance start date.	Coverage options from $25,000 to $1,000,000.00	Hospital accomodation: Up to semi private room
Covers medical services	Covers diagnostic services	Prescription drugs: 30 days, up to $1,000 per prescription
Private duty nurse: included	Paramedical services: $500 per incident per service	Emergency dental: $3,000 due to accident & $500 for pain
Medical appliances: $5,000	Covers emergency transportation	Transportation to bedside: Up to $3,000 for roundtrip airfair
Repartriation of remains: Up to $10,000	Meal and accomodation: Maximum up to $3,000	Hospital allowance: $50 per day, maximum $500
Up to 3 follow up visits	Accidental death & dismemberment: up to $50,000	Flight accident: up to $100,000
Return & Escort of children: Included via economy airfair	Excess baggage return: up to $500	Policy Wording

Coverage options from $25,000 to $150,000	Prescription medication: Up to $1,000	Follow up visits: Up to $1,000
Emergency Return Home: included	Emergency Dental: Up to $2,000	Repatriation of Remains: Up to 10,000
Cremation or Burial at Destination: Up to $4,000	Pre-existing Conditions Coverage: Not covered if existed in 180 days prior policy start date	Emergency Paramedical: Not included
Accommodation and Meals: Not included	Visit to Bedside: Not included	Return of Baggage and Personal Effects: Not included
Return or Escort of Dependents: Not included	Accidental Death and Dismemberment: Not included	Policy Wording

Coverage options from $25,000 to $150,000	Prescription medication: Up to $1,000
Follow up visits: Up to $1,000	Emergency Return Home: included
Emergency Dental: Up to $2,000	Repatriation of Remains: Up to 10,000
Cremation or Burial at Destination: Up to $4,000	Pre-existing Conditions Coverage: Not covered if existed in 180 days prior policy start date
Emergency Paramedical: Not included	Accommodation and Meals: Not included
Visit to Bedside: Not included	Return of Baggage and Personal Effects: Not included
Return or Escort of Dependents: Not included	Accidental Death and Dismemberment: Not included
Policy Wording

Coverage options from $25,000 to $150,000	Prescription medication: Up to $10,000	Follow up visits: Up to $3,000
Emergency Return Home: included	Emergency Dental: Up to $4,000	Repatriation of Remains: Up to 16,000
Cremation or Burial at Destination: Up to $6,000	Pre-existing Conditions Coverage: Covered if stable in 180 days prior policy start date	Emergency Paramedical: $500 per practitioner
Accommodation and Meals: Up to $1,500	Visit to Bedside: Up to $4,000	Return of Baggage and Personal Effects: Up to $500
Return or Escort of Dependents: Up to $3,000	Accidental Death and Dismemberment: Up to medical emergency coverage limit (max: $100,000)	Incidental Expenses: up to $250
Travel Assistance: Up to medical emergency coverage limit (max: $100,000)	Policy Wording

Coverage options from $25,000 to $150,000	Prescription medication: Up to $10,000
Follow up visits: Up to $3,000	Emergency Return Home: included
Emergency Dental: Up to $4,000	Repatriation of Remains: Up to 16,000
Cremation or Burial at Destination: Up to $6,000	Pre-existing Conditions Coverage: Covered if stable in 180 days prior policy start date
Emergency Paramedical: $500 per practitioner	Accommodation and Meals: Up to $1,500
Visit to Bedside: Up to $4,000	Return of Baggage and Personal Effects: Up to $500
Return or Escort of Dependents: Up to $3,000	Accidental Death and Dismemberment: Up to medical emergency coverage limit (max: $100,000)
Incidental Expenses: up to $250	Travel Assistance: Up to medical emergency coverage limit (max: $100,000)
Policy Wording

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
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
AD&D 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 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

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: 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 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 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.	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 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.	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 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