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 not eligible for this insurance if any of the following apply to you or anyone you want to cover:

Travelling against the advice of a physician
Have been diagnosed with a terminal illness with less than 2 years to live
Diagnosed with or received treatment within the last 2 years for a pancreatic, lung, brain, or liver cancer
Have ever been diagnosed with any type of cancer that has spread from 1 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
Require kidney dialysis
Reside in a nursing home or other long term care facility
Used or prescribed home oxygen in the last 12 months

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

Eligibility
You (applicant(s)) are NOT eligible for coverage under this policy if any of the following apply to you:

You are travelling against the advice of a physician;
You have reason to seek medical treatment, excluding the regular care of a chronic condition or medical evaluation required to satisfy travel visa requirements.
You are currently in Canada, and have received medical treatment over a consecutive 3-day period in the last 12 months.
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 for a medical condition during the 12 months prior to the date of application;
You have been diagnosed Alzheimer’s disease or any other form of dementia
You are under 15 days or over 89 years of age;
You are eligibile for benefits under a Canadian government health insurance plan.
You reside in a nursing home, home for the aged, other long term care facility or rehabilitation centre; and/or
You require assistance with activities of daily living.

Are you eligible?

Yes

Eligibility
To be eligible for coverage , each applicant must

Be a visitor to Canada, a person with a Canadian work visa or super visa, an immigrant to Canada or a Canadian resident, who is not eligible for a provincial or territorial government health insurance plan in Canada;
Be at least 15 days of age on the date of purchase;
Not be travelling against the medical advice of a physician and/or have been diagnosed with a terminal illness. A terminal illness means that you have a medical condition that is cause for a physician to estimate that you have less than 6 months to live or for which palliative care has been received.
Not have a kidney disease requiring dialysis;
Not have congestive heart failure or require the use of home oxygen;
Not be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention.

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.

Exclusions

We will not cover any expenses relating to any pre-existing condition that existed before your effective date.

Pre-existing condition means any sickness, illness, disease, symptom, or injury that existed or for which medication has been taken, received, or prescribed (including prescribed as needed), or for which treatment has been prescribed or received.

We will not cover any expenses relating to any unstable pre-existing condition that existed in the 180 days before your effective date. An unstable condition is one where:

There have been new symptoms or changes in symptoms
Existing symptoms have become more frequent or severe
A physician has found that the medical condition has become worse
Test findings have shown that the medical condition may be getting worse
A physician has provided, prescribed, or recommended any new medication, or any change in medication
There has been hospitalization or referral to a specialist or specialty clinic
A physician has advised a referral to a specialist or further testing, or there has been testing for which results have not yet been received

We will not cover any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.

We will not cover any lung condition if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition.

I confirm having read the medical exclusions statement.

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
Medical questionnaire required?	No — exclusions apply (see policy wording for details).
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.
Dental coverage	Covers up to $2000 for treatment required as a result dental accident Note: conditions apply. Further details are in policy wording.
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
Medical questionnaire required?	No — exclusions apply (see policy wording for details).
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.
Dental coverage	Covers up to $2000 for treatment required as a result dental accident Note: conditions apply. Further details are in policy wording.
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	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
Medical questionnaire required?	No — exclusions apply (see policy wording for details).
Hospital accommodation	Semi-private room
Prescription drugs	30-day supply, to a maximum of $1,000
Follow-up visits	Covers follow-up visits if related to medical emergency and prescribed by the physician
Private duty nurse	Covers if required as a result of medical emergency and should not exceed $10,000.
Ground or air transportation	Covers ground and/or air transport when medically necessary up to sum insured
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $500 for dental pain. Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Covers diagnostics, lab tests and/or X-ray examinations as ordered by a physician for the purpose of diagnosis.
Medical Appliances	Covers rental of crutches or hospital-type bed, not exceeding the purchase price; and the cost of splints, trusses, braces or other prosthetic appliances approved in advance by Allianz Global Assistance.
Health professional services	Up to $500 per profession such as chiropractor, osteopath, podiatrist / chiropodist, physiotherapist when ordered by the attending physician; acupuncturist.
Accidental death & dismemberment	Up to the sum insured
Return of deceased/ Cremation or burial	Up to $10,000 for costs incurred to prepare and return your remains in a standard transportation container to your country of origin; Up to $4,000 for cremation or burial of your remains at the place of death. The cost of a cofn or urn is not covered.
Transportation to bedside	In case of hospitalization related to medical emergency this policy provides the following coverage to bring someone to your bedside: Up to a maximum of $3,000 for round trip economy air fare Up to a maximum of $1,000 for commercial accommodation, meals, essential telephone calls, taxi fare.
Side trip coverage	Costs incurred outside of Canada other than in your country of origin are covered provided the majority of the period of coverage is spent in Canada.
Out-of-pocket expenses	In case of hospitalization it covers $150 per day to a maximum of $1,500, or up to a maximum of 10 days for commercial accommodation and meals, child care costs for children accompanying you, essential telephone calls, taxi fares.
Automatic extensions	Coverage will be automatically extended in any of the following event: Delay of conveyance: up to 72 hours Hospitalization: the period of hospital confinement, plus 72 hours after release to travel home Medically unfit to travel: Up to 5 days
Policy cancellation/ Refund	A full refund will be provided for policies which are returned within 10 days of purchase. There will be no refund of premium if a claim has been made.
Waiting period	48-hours waiting period applies if you purchase your policy: after the expiry date of an existing Allianz Global Assistance administered policy after you exit your country of origin.

Benefit	Details
Pre-existing conditions coverage	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
Medical questionnaire required?	No — exclusions apply (see policy wording for details).
Hospital accommodation	Semi-private room
Prescription drugs	30-day supply, to a maximum of $1,000
Follow-up visits	Covers follow-up visits if related to medical emergency and prescribed by the physician
Private duty nurse	Covers if required as a result of medical emergency and should not exceed $10,000.
Ground or air transportation	Covers ground and/or air transport when medically necessary up to sum insured
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $500 for dental pain. Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Covers diagnostics, lab tests and/or X-ray examinations as ordered by a physician for the purpose of diagnosis.
Medical Appliances	Covers rental of crutches or hospital-type bed, not exceeding the purchase price; and the cost of splints, trusses, braces or other prosthetic appliances approved in advance by Allianz Global Assistance.
Health professional services	Up to $500 per profession such as chiropractor, osteopath, podiatrist / chiropodist, physiotherapist when ordered by the attending physician; acupuncturist.
Accidental death & dismemberment	Up to the sum insured
Return of deceased/ Cremation or burial	Up to $10,000 for costs incurred to prepare and return your remains in a standard transportation container to your country of origin; Up to $4,000 for cremation or burial of your remains at the place of death. The cost of a cofn or urn is not covered.
Transportation to bedside	In case of hospitalization related to medical emergency this policy provides the following coverage to bring someone to your bedside: Up to a maximum of $3,000 for round trip economy air fare Up to a maximum of $1,000 for commercial accommodation, meals, essential telephone calls, taxi fare.
Side trip coverage	Costs incurred outside of Canada other than in your country of origin are covered provided the majority of the period of coverage is spent in Canada.
Out-of-pocket expenses	In case of hospitalization it covers $150 per day to a maximum of $1,500, or up to a maximum of 10 days for commercial accommodation and meals, child care costs for children accompanying you, essential telephone calls, taxi fares.
Automatic extensions	Coverage will be automatically extended in any of the following event: Delay of conveyance: up to 72 hours Hospitalization: the period of hospital confinement, plus 72 hours after release to travel home Medically unfit to travel: Up to 5 days
Policy cancellation/ Refund	A full refund will be provided for policies which are returned within 10 days of purchase. There will be no refund of premium if a claim has been made.
Waiting period	48-hours waiting period applies if you purchase your policy: after the expiry date of an existing Allianz Global Assistance administered policy after you exit your country of origin.

Benefit	Details
Pre-existing conditions coverage	Covers pre-existing conditions if stable in 180 days prior to the effective date
Medical questionnaire required?	Yes
Hospital accommodation	Semi-private room
Prescription drugs	Covers medication required for emergency treatment up to maximum 30 day prescription
Follow-up visits	Covers follow-up visits if related to medical emergency
Private duty nurse	Covers some expenses if required medically as a result of emergency treatment
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Dental coverage	Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Magnetic resonance imaging, computerized axial tomography scans, sonograms, ultrasounds and biopsies are excluded from coverage, unless pre-authorized by GMS.
Medical Appliances	Not covered
Health professional services	Up to an aggregate maximum $500 per person for osteopath, optometrist, physiotherapist, chiropractor, chiropodist and/or podiatrist.
Accidental death & dismemberment	Not covered
Return of deceased/ Cremation or burial	Up to $10,000 for return of deceased to the country of origin Up to $4,000 for cremation or burial This benefit does not cover the cost of a headstone, burial casket, urn, or funeral service expenses.
Transportation to bedside	1 round-trip economy class airfare for a medical attendant who needs to be with you in case of medical emergency.
Side trip coverage	Covers side trips for up to 30 days or less in duration outside of Canada for the trips that originate and terminate in Canada are not greater than 50% of your period of coverage. Expenses incurred in your country of origin are not covered.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,000, for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member in the event of emergency In the event of your hospitalization: Covers up to $500 for childcare for the children accompanying you on your trip.
Automatic extensions	For the duration of your hospitalization and 72-hour period following discharge from the hospital. Arrive in your country of origin within 48 hours.
Policy cancellation/ Refund	Policy can be cancelled with full refund within 10 days of purchase provided that policy starts after 10 days of purchase date.
Waiting period	Waiting period applies if you purchase policy after your arrival in Canada 2 days period if you have purchased policy within 30 days of arrival in Canada 7 days period if you have purchased policy after more than 30 days of arriving in Canada

Benefit	Details
Pre-existing conditions coverage	Covers pre-existing conditions if stable in 180 days prior to the effective date
Medical questionnaire required?	Yes
Hospital accommodation	Semi-private room
Prescription drugs	Covers medication required for emergency treatment up to maximum 30 day prescription
Follow-up visits	Covers follow-up visits if related to medical emergency
Private duty nurse	Covers some expenses if required medically as a result of emergency treatment
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Dental coverage	Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Magnetic resonance imaging, computerized axial tomography scans, sonograms, ultrasounds and biopsies are excluded from coverage, unless pre-authorized by GMS.
Medical Appliances	Not covered
Health professional services	Up to an aggregate maximum $500 per person for osteopath, optometrist, physiotherapist, chiropractor, chiropodist and/or podiatrist.
Accidental death & dismemberment	Not covered
Return of deceased/ Cremation or burial	Up to $10,000 for return of deceased to the country of origin Up to $4,000 for cremation or burial This benefit does not cover the cost of a headstone, burial casket, urn, or funeral service expenses.
Transportation to bedside	1 round-trip economy class airfare for a medical attendant who needs to be with you in case of medical emergency.
Side trip coverage	Covers side trips for up to 30 days or less in duration outside of Canada for the trips that originate and terminate in Canada are not greater than 50% of your period of coverage. Expenses incurred in your country of origin are not covered.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,000, for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member in the event of emergency In the event of your hospitalization: Covers up to $500 for childcare for the children accompanying you on your trip.
Automatic extensions	For the duration of your hospitalization and 72-hour period following discharge from the hospital. Arrive in your country of origin within 48 hours.
Policy cancellation/ Refund	Policy can be cancelled with full refund within 10 days of purchase provided that policy starts after 10 days of purchase date.
Waiting period	Waiting period applies if you purchase policy after your arrival in Canada 2 days period if you have purchased policy within 30 days of arrival in Canada 7 days period if you have purchased policy after more than 30 days of arriving in Canada

Benefit	Details
Pre-existing conditions coverage	59 years and under - Covers if stable in 120 days before the effective date of the policy 60 to 69 years - Covers if stable in 180 days before the effective date of the policy 70 years and over - Covers if stable in 365 days before the effective date of the policy
Medical questionnaire required?	Yes - Only 60 years and older needs to complete medical questionnaire
Hospital accommodation	Semi-private room
Prescription drugs	Up to a 30-day supply following an emergency during the trip
Follow-up visits	Up to 5 follow-up visits within 14 days of the initial emergency medical treatment
Private duty nurse	Covers up to sum insured if required as a result of medical emergency
Ground or air transportation	Up to the sum insured for ground, air or sea ambulance (including paramedics) or taxi in lieu
Dental coverage	Up to $6,000 for dental accidents during the trip Up to $600 for dental pain Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency.
Medical Appliances	Covers rental or purchase of essential medical appliances up to the sum insured.
Health professional services	Up to $600 for any one incident per practitioner for licensed Physiotherapists, Chiropractors, Chiropodists, Osteopaths, Podiatrists, Optometrists, Acupuncturists
Accidental death & dismemberment	Up to $25,000 24-hour accident insurance coverage Insureds can purchase additional coverage for AD&D as follows: Air Flight/Common Carrier - up to $100,000 24-hour Accident - up to $25,000
Return of deceased/ Cremation or burial	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
Transportation to bedside	When an insured traveller is hospitalized, this benefit includes: A round trip economy airfare or ground transportation costs for a family member to be at their bedside Up to $400 per day to a maximum of $2,000 for out-of-pocket expenses
Side trip coverage	Travel Worldwide Travel worldwide is covered as long as the majority of the period of coverage is spent in Canada. The insured must have travelled to Canada first before they can be covered for side-trips outside of Canada . Travel in Home Country Visits to home country are permitted; the Policy will not terminate but expenses will not be covered
Out-of-pocket expenses	In case of hospitalization it covers: Up to $500 per day to a maximum of $5,000 commercial accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare, rental car services Up to $500 per day to a maximum of $5,000 for child care costs for the insured children accompanying you on the trip.
Automatic extensions	Coverage will be automatically extended in any of the following event Hospitalization: During your stay in hospital plus 7 days after release from hospital Medically unfit to travel: Up to 7 days Common carrier delay: Up to 7 days
Policy cancellation/ Refund	Policy cancellation with full refund is available up to the insurance start date. Policy cancellation after the arrival date is subject to terms and conditions given in the policy document.
Waiting period	Waiting period applies if you purchased policy before arrival in Canada 48-hour waiting period on disease or illness if the policy is purchased within 60 days after arrival in Canada 7-day waiting period on sickness if policy is purchased 61 days or more after arrival in Canada

Benefit	Details
Pre-existing conditions coverage	59 years and under - Covers if stable in 120 days before the effective date of the policy 60 to 69 years - Covers if stable in 180 days before the effective date of the policy 70 years and over - Covers if stable in 365 days before the effective date of the policy
Medical questionnaire required?	Yes - Only 60 years and older needs to complete medical questionnaire
Hospital accommodation	Semi-private room
Prescription drugs	Up to a 30-day supply following an emergency during the trip
Follow-up visits	Up to 5 follow-up visits within 14 days of the initial emergency medical treatment
Private duty nurse	Covers up to sum insured if required as a result of medical emergency
Ground or air transportation	Up to the sum insured for ground, air or sea ambulance (including paramedics) or taxi in lieu
Dental coverage	Up to $6,000 for dental accidents during the trip Up to $600 for dental pain Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency.
Medical Appliances	Covers rental or purchase of essential medical appliances up to the sum insured.
Health professional services	Up to $600 for any one incident per practitioner for licensed Physiotherapists, Chiropractors, Chiropodists, Osteopaths, Podiatrists, Optometrists, Acupuncturists
Accidental death & dismember- ment	Up to $25,000 24-hour accident insurance coverage Insureds can purchase additional coverage for AD&D as follows: Air Flight/ Common Carrier - up to $100,000 24-hour Accident - up to $25,000
Return of deceased/ Cremation or burial	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
Transportation to bedside	When an insured traveller is hospitalized, this benefit includes: A round trip economy airfare or ground transportation costs for a family member to be at their bedside Up to $400 per day to a maximum of $2,000 for out-of-pocket expenses
Side trip coverage	Travel Worldwide Travel worldwide is covered as long as the majority of the period of coverage is spent in Canada. The insured must have travelled to Canada first before they can be covered for side-trips outside of Canada . Travel in Home Country Visits to home country are permitted; the Policy will not terminate but expenses will not be covered
Out-of-pocket expenses	In case of hospitalization it covers: Up to $500 per day to a maximum of $5,000 commercial accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare, rental car services Up to $500 per day to a maximum of $5,000 for child care costs for the insured children accompanying you on the trip.
Automatic extensions	Coverage will be automatically extended in any of the following event Hospitalization: During your stay in hospital plus 7 days after release from hospital Medically unfit to travel: Up to 7 days Common carrier delay: Up to 7 days
Policy cancellation/ Refund	Policy cancellation with full refund is available up to the insurance start date. Policy cancellation after the arrival date is subject to terms and conditions given in the policy document.
Waiting period	Waiting period applies if you purchased policy before arrival in Canada 48-hour waiting period on disease or illness if the policy is purchased within 60 days after arrival in Canada 7-day waiting period on sickness if policy is purchased 61 days or more after arrival in Canada

Benefit	Details
Pre-existing conditions coverage	Not covered
Medical questionnaire required?	No
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.
Dental coverage	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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency
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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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
Medical questionnaire required?	No
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.
Dental coverage	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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency
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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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
Medical questionnaire required?	No
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency.
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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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
Medical questionnaire required?	No
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency.
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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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
Medical questionnaire required?	Yes - Only individuals of age 55 to 85 years old need to complete medical questionnaire
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency.
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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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
Medical questionnaire required?	Yes - Only individuals of age 55 to 85 years old need to complete medical questionnaire
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency.
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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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	Basic Plan Not covered Enhanced Plan Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Medical questionnaire required?	Basic plan: No Enhanced lan: Yes - Only individuals of 55 to 85 years old need to complete medical questionnaire
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	Basic Plan 1 follow-up visit Enhanced Plan No limit on follow-up visits 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.
Dental coverage	Basic Plan Not covered Enhanced Plan Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency
Accidental death & dismemberment	Basic Plan Not covered Enhanced Plan 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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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	Basic Plan Not covered Enhanced Plan Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Medical questionnaire required?	Basic plan: No Enhanced lan: Yes - Only individuals of 55 to 85 years old need to complete medical questionnaire
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	Basic Plan 1 follow-up visit Enhanced Plan No limit on follow-up visits 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.
Dental coverage	Basic Plan Not covered Enhanced Plan Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency
Accidental death & dismemberment	Basic Plan Not covered Enhanced Plan 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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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	Standard plan Not covered if pre-existing medical conditions exist in 180 days prior to the insurance effective date Enhanced plan Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Medical questionnaire required?	Standard plan: No Enhanced lan: Yes - Only individuals of 55 to 85 years old need to complete medical questionnaire
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency.
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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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	Standard plan Not covered if pre-existing medical conditions exist in 180 days prior to the insurance effective date Enhanced plan Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Medical questionnaire required?	Standard plan: No Enhanced lan: Yes - Only individuals of 55 to 85 years old need to complete medical questionnaire
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Services provided by a healthcare practitioner are covered up to a combined total of $1,000 for a covered emergency.
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	If you are travelling alone and hospitalized for 5 or more days then this policy will cover: Up to $3,000 for return economy air fare to bring a friend or family member to your bed side Up to $500 for that person hotel and meals Cover that person under the same emergency medical insurance plan purchased by you until you are fit to travel
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided the side trip starts and ends in Canada and does not exceed the lesser of the following: 30 days per policy 49% of your total number of coverage days as stated on your policy confirmation.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares.
Automatic extensions	Coverage will be automatically 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 delay. In case of hospitalization due to emergency, coverage will be extended during the hospital stay and up to 5 days after discharge from hospital In case sickness happens within 5 days prior to return, coverage will be extended for up to 5 days.
Policy cancellation/ Refund	You have 10 days from the date you purchase the insurance to receive a premium refund if You have not departed on your trip and No claims are in progress.
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	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.
Medical questionnaire required?	Yes - Only individuals of 70 to 84 years old need to complete medical questionnaire
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.
Dental coverage	Up to $1,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
Medical questionnaire required?	Yes - Only individuals of 70 to 84 years old need to complete medical questionnaire
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.
Dental coverage	Up to $1,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
Medical questionnaire required?	Yes - Only individuals of 70 to 84 years old need to complete medical questionnaire
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.
Dental coverage	Up to $3,000 for treatment as a result of accidental blow. Up to $500 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
Medical questionnaire required?	Yes - Only individuals of 70 to 84 years old need to complete medical questionnaire
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.
Dental coverage	Up to $3,000 for treatment as a result of accidental blow. Up to $500 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
Medical questionnaire required?	Yes - Only individuals of 70 to 84 years old need to complete medical questionnaire
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.
Dental coverage	Up to $1,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
Medical questionnaire required?	Yes - Only individuals of 70 to 84 years old need to complete medical questionnaire
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.
Dental coverage	Up to $1,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
Medical questionnaire required?	Yes - Only individuals of 70 to 84 years old need to complete medical questionnaire
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.
Dental coverage	Up to $3,000 for treatment as a result of accidental blow. Up to $500 for dental pain. Note: conditions apply. Further details are in policy wording.
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 $100,000
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.
Medical questionnaire required?	Yes - Only individuals of 70 to 84 years old need to complete medical questionnaire
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.
Dental coverage	Up to $3,000 for treatment as a result of accidental blow. Up to $500 for dental pain. Note: conditions apply. Further details are in policy wording.
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 $100,000
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
Medical questionnaire required?	No
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.
Dental coverage	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
Medical questionnaire required?	No
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.
Dental coverage	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
Medical questionnaire required?	No
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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
Medical questionnaire required?	No
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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
Medical questionnaire required?	Yes - Only individuals of age 55 to 85 years old need to complete medical questionnaire
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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
Medical questionnaire required?	Yes - Only individuals of age 55 to 85 years old need to complete medical questionnaire
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Basic Plan Not covered Enhanced Plan Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Medical questionnaire required?	Basic plan: No Enhanced lan: Yes - Only individuals of 55 to 85 years old need to complete medical questionnaire
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	Basic Plan 1 follow-up visit Enhanced Plan No limit on follow-up visits 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.
Dental coverage	Basic Plan Not covered Enhanced Plan Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
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	Basic Plan Not covered Enhanced Plan Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist.
Accidental death & dismemberment	Basic Plan Not covered Enhanced Plan 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	Basic Plan No additional coverage Enhanced Plan Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.
90-Day Provision (Reinstatement of Coverage)	Basic Plan No coverage Enhanced Plan 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 b) you must be continuously insured under a 21st Century Visitors to Canada policy c) 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; d) 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	Basic Plan Not covered Enhanced Plan Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Medical questionnaire required?	Basic plan: No Enhanced lan: Yes - Only individuals of 55 to 85 years old need to complete medical questionnaire
Hospital accommodation	Semi-private room
Prescription drugs	Up to $500 per prescription limited to 30 days supply.
Follow-up visits	Basic Plan 1 follow-up visit Enhanced Plan No limit on follow-up visits 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.
Dental coverage	Basic Plan Not covered Enhanced Plan Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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.
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	Basic Plan Not covered Enhanced Plan Up to a combined total of $1,000 for healthcare practitioners such as Accupuncturist, chiropractor, physiotherapist.
Accidental death & dismemberment	Basic Plan Not covered Enhanced Plan 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	Basic Plan No additional coverage Enhanced Plan Additional $50,000 coverage for sickness due to injury if you purchased $100,000 coverage policy.
90-Day Provision (Reinstatement of Coverage)	Basic Plan No coverage Enhanced Plan 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 b) you must be continuously insured under a 21st Century Visitors to Canada policy c) 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; d) 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	Standard plan Not covered if pre-existing medical conditions if exist in 180 days prior to the insurance effective date Enhanced plan Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Medical questionnaire required?	Standard plan: No Enhanced lan: Yes - Only individuals of 55 to 85 years old need to complete medical questionnaire
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Standard plan Not covered if pre-existing medical conditions if exist in 180 days prior to the insurance effective date Enhanced plan Covers pre-existing medical conditions if stable in 180 days prior to the insurance effective date
Medical questionnaire required?	Standard plan: No Enhanced lan: Yes - Only individuals of 55 to 85 years old need to complete medical questionnaire
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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
Medical questionnaire required?	No
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.
Dental coverage	Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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
Medical questionnaire required?	No
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.
Dental coverage	Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Covers pre-existing medical conditions if stable in 180 days prior to the policy start date
Medical questionnaire required?	Yes
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $500 for dental pain. Note: conditions apply. Further details are in policy wording.
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	Covers pre-existing medical conditions if stable in 180 days prior to the policy start date
Medical questionnaire required?	Yes
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.
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $500 for dental pain. Note: conditions apply. Further details are in policy wording.
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.

Benefit	Details
Pre-existing conditions coverage	Covers pre-existing conditions stable in 120 days prior to insurance start date
Medical questionnaire required?	No — exclusions apply (see policy wording for details).
Hospital accommodation	Covers reasonable and customary ward rate in case of emergency treatment
Prescription drugs	Coverage Limits to 30-day supply per prescription unless hospitalized
Follow-up visits	Covers follow-up visits when related to emergency medical treatment
Private duty nurse	Covers private duty nursing during hospitalization
Ground or air transportation	licensed ground ambulance service when medically necessary
Dental coverage	Up to $3,000 for treatment as a result of accidental blow Up to $500 for dental emergency treatment Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Laboratory tests & X-rays prescribed by attending physician This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans digital x-rays, sonograms, ultrasounds or biopsies unless such services are approved in advance by Ontime Care. Ontime Care contact details can be found in policy wording
Medical Appliances	Covers cast, splints, trusses, braces, crutches, rental of a wheelchair or other minor medical appliances
Health professional services	Up to $500 per paramedical practitioner (chiropodist, chiro- practor, osteopath, physiotherapist, optometrist or podiatrist), provided treatment is prescribed by a physician and approved by Ontime Care
Accidental death & dismemberment	Up to coverage amount or $150,000 per person
Return of deceased/ Cremation or burial	Up to $10,000 for costs incurred to prepare and return your remains to your country of origin; up to $4,000 for cremation and/or burial at the place of death Note: The cost of the casket or urn is not covered by this benefit.
Transportation to bedside	Not covered
Side trip coverage	Covers side trip to to another country as part of your covered trip if your side trip: a) Originate or terminate in Canada; b) Not exceed 49% of your covered trip’s duration; c) Not be a temporary visit to your country of origin.
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be automatically extended for 72 hours in any of the following event: Delay of conveyance Hospitalization: the period of hospital confinement, plus 72 hours after release to travel home Medically unfit to travel but not hospitalized
Policy cancellation/ Refund	You may cancel this policy for a full refund provided it is done before the effective date Premium refunds requests can be made after the policy start date in case of early return or you become eligible for a government insurance plan in Canada. A partial refund (less $40 administration fee) will be possible if there is no claim.
Waiting period	Waiting period applies if you purchase policy after your arrival in Canada Up to Age 85: 48-hours if coverage is purchased within 30 days after arrival. 7-days if coverage is purchased more than 30 days after your arrival Age 86 and over: 15-days if coverage is purchased anytime after arrival

Benefit	Details
Pre-existing conditions coverage	Covers pre-existing conditions stable in 120 days prior to insurance start date
Medical questionnaire required?	No — exclusions apply (see policy wording for details).
Hospital accommodation	Covers reasonable and customary ward rate in case of emergency treatment
Prescription drugs	Coverage Limits to 30-day supply per prescription unless hospitalized
Follow-up visits	Covers follow-up visits when related to emergency medical treatment
Private duty nurse	Covers private duty nursing during hospitalization
Ground or air transportation	licensed ground ambulance service when medically necessary
Dental coverage	Up to $3,000 for treatment as a result of accidental blow Up to $500 for dental emergency treatment Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Laboratory tests & X-rays prescribed by attending physician This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans digital x-rays, sonograms, ultrasounds or biopsies unless such services are approved in advance by Ontime Care. Ontime Care contact details can be found in policy wording
Medical Appliances	Covers cast, splints, trusses, braces, crutches, rental of a wheelchair or other minor medical appliances
Health professional services	Up to $500 per paramedical practitioner (chiropodist, chiro- practor, osteopath, physiotherapist, optometrist or podiatrist), provided treatment is prescribed by a physician and approved by Ontime Care
Accidental death & dismemberment	Up to coverage amount or $150,000 per person
Return of deceased/ Cremation or burial	Up to $10,000 for costs incurred to prepare and return your remains to your country of origin; up to $4,000 for cremation and/or burial at the place of death Note: The cost of the casket or urn is not covered by this benefit.
Transportation to bedside	Not covered
Side trip coverage	Covers side trip to to another country as part of your covered trip if your side trip: a) Originate or terminate in Canada; b) Not exceed 49% of your covered trip’s duration; c) Not be a temporary visit to your country of origin.
Out-of-pocket expenses	Not covered
Automatic extensions	Coverage will be automatically extended for 72 hours in any of the following event: Delay of conveyance Hospitalization: the period of hospital confinement, plus 72 hours after release to travel home Medically unfit to travel but not hospitalized
Policy cancellation/ Refund	You may cancel this policy for a full refund provided it is done before the effective date Premium refunds requests can be made after the policy start date in case of early return or you become eligible for a government insurance plan in Canada. A partial refund (less $40 administration fee) will be possible if there is no claim.
Waiting period	Waiting period applies if you purchase policy after your arrival in Canada Up to Age 85: 48-hours if coverage is purchased within 30 days after arrival. 7-days if coverage is purchased more than 30 days after your arrival Age 86 and over: 15-days if coverage is purchased anytime after arrival

Benefit	Details
Pre-existing conditions coverage	No coverage
Medical questionnaire required?	No
Hospital accommodation	Up to semi-private room
Prescription drugs	30-day supply per prescription if required for medical emergency treatment.
Follow-up visits	Covers if related to medical emergency treatment
Private duty nurse	up to $10,000 if medically necessary for emergency treatment
Ground or air transportation	Covers licensed ground ambulance service Covers air ambulance if approved in advance by the Assistance company.
Dental coverage	Up to $5,000 for treatment of damage as a result of an accidental blow to the face. Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies unless such services are approved in advance by the Assistance Company. Assistance company contact can be found in the policy document.
Medical Appliances	Covers medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers, rental of a hospital-type bed, wheelchair if required for medical emergency treatment.
Health professional services	Up to a maximum of $300 per insured person, per licensed professional such as chiropractor, physiotherapist, podiatrist, osteopath or acupuncturist.
Accidental death & dismemberment	No coverage
Return of deceased/ Cremation or burial	Up to $10,000 for costs incurred to prepare and return your remains in a standard transportation container to your country of origin; up to $10,000 for cremation and/or burial at the place of death including cost of a casket or urn. Note: The cost of the funeral is not covered.
Transportation to bedside	In case of hospitalization related to medical emergency this policy provides the following coverage to bring someone to your bedside: Round trip economy air far $150 per day up to a maximum of $1,500 for commercial accommodation and meals.
Side trip coverage	No coverage
Out-of-pocket expenses	Up to $150 per day, to an overall maximum of $1,500 for your commercial accommodation, meals, essential telephone calls, internet fees, bus or taxi fare or rental car in lieu and child care costs accompanying you while travelling.
Automatic extensions	Coverage will be automatically extended in any of the following event: Hospitalization: Coverage will remain in force as long as you or your travel companion are hospitalized and the 5-day extension will commence upon the date of release from hospital. Medically unfit to travel but not hospitalized: Up to 5 days
Policy cancellation/ Refund	You may cancel this policy within 10 days of the purchase date for a full refund provided it is before the effective date Premium refunds request can be made after policy date. Please see below the administration fees applicable in this scenario.
Waiting period	Waiting period applies if you purchase policy after your arrival in Canada Up to Age 85:48 hours after the effective date if purchased within 30 days of your arrival in Canada or 7 days after the effective date if purchased more than 30 days after your arrival in Canada; or Age 86-90: 15 days after the effective date if purchased after your arrival in Canada.
Administration fees	Date Changes A fee of $50 may be applied to any requests for a change of dates, other than a policy extension. Premium Refunds Denial of travel visa prior to the effective date - No fee Any reason prior to departure other than visa denail - $250 Early return to Country of Origin - $50 Prior to expiry and remaining in Canada - $250

Benefit	Details
Pre-existing conditions coverage	No coverage
Medical questionnaire required?	No
Hospital accommodation	Up to semi-private room
Prescription drugs	30-day supply per prescription if required for medical emergency treatment.
Follow-up visits	Covers if related to medical emergency treatment
Private duty nurse	up to $10,000 if medically necessary for emergency treatment
Ground or air transportation	Covers licensed ground ambulance service Covers air ambulance if approved in advance by the Assistance company.
Dental coverage	Up to $5,000 for treatment of damage as a result of an accidental blow to the face. Note: conditions apply. Further details are in policy wording.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, digital x-rays, sonograms or ultrasounds and biopsies unless such services are approved in advance by the Assistance Company. Assistance company contact can be found in the policy document.
Medical Appliances	Covers medical appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers, rental of a hospital-type bed, wheelchair if required for medical emergency treatment.
Health professional services	Up to a maximum of $300 per insured person, per licensed professional such as chiropractor, physiotherapist, podiatrist, osteopath or acupuncturist.
Accidental death & dismemberment	No coverage
Return of deceased/ Cremation or burial	Up to $10,000 for costs incurred to prepare and return your remains in a standard transportation container to your country of origin; up to $10,000 for cremation and/or burial at the place of death including cost of a casket or urn. Note: The cost of the funeral is not covered.
Transportation to bedside	In case of hospitalization related to medical emergency this policy provides the following coverage to bring someone to your bedside: Round trip economy air far $150 per day up to a maximum of $1,500 for commercial accommodation and meals.
Side trip coverage	No coverage
Out-of-pocket expenses	Up to $150 per day, to an overall maximum of $1,500 for your commercial accommodation, meals, essential telephone calls, internet fees, bus or taxi fare or rental car in lieu and child care costs accompanying you while travelling.
Automatic extensions	Coverage will be automatically extended in any of the following event: Hospitalization: Coverage will remain in force as long as you or your travel companion are hospitalized and the 5-day extension will commence upon the date of release from hospital. Medically unfit to travel but not hospitalized: Up to 5 days
Policy cancellation/ Refund	You may cancel this policy within 10 days of the purchase date for a full refund provided it is before the effective date Premium refunds request can be made after policy date. Please see below the administration fees applicable in this scenario.
Waiting period	Waiting period applies if you purchase policy after your arrival in Canada Up to Age 85:48 hours after the effective date if purchased within 30 days of your arrival in Canada or 7 days after the effective date if purchased more than 30 days after your arrival in Canada; or Age 86-90: 15 days after the effective date if purchased after your arrival in Canada.
Administration fees	Date Changes A fee of $50 may be applied to any requests for a change of dates, other than a policy extension. Premium Refunds Denial of travel visa prior to the effective date - No fee Any reason prior to departure other than visa denail - $250 Early return to Country of Origin - $50 Prior to expiry and remaining in Canada - $250