Eligibility 

Applicant NOT eligible when you :
Have been advised by a physician not to travel

Have been diagnosed with a terminal illness

Have a kidney condition requiring dialysis     

Have used home oxygen in last 12 months                                        

Features

Choice of Policy maximum based on your needs
Age 0 to 70: from $10,000 to $150,000
Age 71 to 85: from $10,000 to $100,000
Age 86+: from $10,000 to $25,000

Deductible    
Age 0 to 70: $0 deductible
Age 71 to 85: choice of $0, $50 or $250 deductible
Age 86+: $500 deductible

Maximum period of coverage
365 days, with extensions available thereafter.  Maximum 180 days from arrival date over age 85.

Minimum premium
$25 CAD per policy

Family rate available
Twice the single rate based on the oldest  member of family (children must be under age 21)

Worldwide travel coverage
Maximum time allowed outside of Canada (except the country of origin) is 30 days, and at least 51% of the overall time must be spent in Canada.

Pre-existing condition
Stable Chronic Conditions covered (under age 70) if stable in the 180 days prior to the effective date of policy.  Available as an option for age 70 to 85. No coverage for pre-existing conditions over age 85.

Waiting period
Waived if policy purchased prior to your arrival in Canada, otherwise waiting period applies to sickness coverage.

Premium Refunds
Refunds will be issued for early cancellation if no claim has been paid or is pending.  Refunds are subject to $25 admin fee.      

Benefits

Hospital/Medical Expenses: Standard ward, in and out patient treatment

Physician Fees: Emergency treatment

Diagnostic Services: Max $1,000 for X-Rays and laboratory test requested by physician (up to Policy Maximum if hospitalized)

Ambulance: Emergency licensed ambulance.

Repatriation: Up to policy maximum following an Emergency. Pre-approval required.

Prescription drugs: up to $500CAD (up to policy maximum if hospitalized)

Medical Appliances/nursing/home care:
Max $5,000 for nursing/home care, rental of crutches, hospital bed, splints, trusses, braces.

Health-care Practitioner: Max $1,000 by a legally qualified chiropodist, chiropractor, osteopath, physiotherapist or podiatrist.
It also includes a specific acupuncturist when referred by a physician.

Treatment of Dental Accidents: up to $1,000CAD

Dental Emergency: up to $300CAD per 12 month period for relief of dental pain

Return of deceased: up to $5,000CAD

Burial or cremation in Canada or USA: $1,500

Continuing/Follow-up Treatment: Covered on approval, subject to terms and conditions

Accidental Death and Dismemberment:  $10,000

Complications of Pregnancy: Limited coverage for complications that happen between the 9 week period before and the 9 week period after the expected delivery date only if the pregnancy commences after the effective date of the policy.

This is an outline of coverage for illustration purposes.  Please see full policy wording for all terms, conditions, limitations and exclusions.

Claim

Telephone: 1-866-228-6386
Toll free within North America from 8:30AM to 8:00PM ET