Travel Insurance - Any Canadian travelling abroad or within Canada should consider travel insurance because your government health insurance plan typically covers only a limited portion of your medical expenses once you leave the country and your province.
When you’re travelling, even a minor accident or sickness can become a major expense and inconvenience. So whether your plans include a trip outside your home province or territory, to the U.S. or to another continent, having travel insurance will go a long way toward ensuring you enjoy your time away.
You get to choose - start date for the plan and you can always change effective date before start of the coverage.
Lowest Premiums Guaranteed for the similar benefits.
100% refund - If no Visa Granted for any reason before effective date.
Partial Refunds - In case your parents decide to go back sooner than one year, a prorated refund is available, provided NO CLAIM on the Policy.
|Medical Services||Medical treatment by a legally licensed physician, surgeon, anesthetist or registered graduate nurse (other than an immediate family member of the insured person).|
|Diagnostic Services||Laboratory tests and x-rays that are ordered by the attending physician and that are part of the emergency medical treatment. This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies unless such services are approved in advance by the Assistance Company.|
|Prescription||Drugs, including injectable drugs and sera, that can only be obtained upon medical prescription, that are prescribed by a physician and that are supplied by a licensed pharmacist when medically necessary for emergency medical treatment, except when needed to stabilize a chronic condition or a medical condition which an insured person had before the trip. This benefit is limited to a 30-day supply per prescription, unless the insured person is hospitalized.|
|Private Duty Nurse||When approved in advance by the Assistance Company and prescribed by an attending physician, the professional services of a registered private duty nurse (other than an immediate family member) as the result of a covered emergency when medically necessary and while hospitalized or in lieu of hospitalization.|
|Paramedical Services||When approved in advance by the Assistance Company, the services (including x-rays) of a licensed chiropractor, physiotherapist, podiatrist or osteopath to a maximum of $500 per insured person, per profession listed above.|
When performed by a legally qualified dentist or oral surgeon, emergency treatment:
|Medical Appliances||When approved in advance by the Assistance Company, and prescribed by the attending physician, minor appliances such as crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a wheelchair, not exceeding the purchase price.|
|Ambulance Services||Licensed ground ambulance service (includes taxi fare in lieu of ambulance) to the nearest medical facility in an emergency.|
|Transportation to Bedside||
When approved in advance by the Assistance Company, single round-trip economy airfare plus up to $150 per day to a maximum of $3,000 for the cost of meals and commercial accommodation for one person of your choice to:
|Emergency Air Transportation||
In the event of your death as a result of a covered accident or unforeseen sickness:
|Meals and Accommodation||
Up to $150 per day to a maximum of $3,000 for your commercial accommodation, meals costs for your dependents up to age 18 upon a physician’s advice:
|Hospital Allowance||Up to $50 per day to a maximum of $500 for incidental expenses billed by the hospital such as telephone, television or internet charges while you are hospitalized.|
|Return and Escort of Children||When approved and arranged in advance by the Assistance Company, up to economy airfare to return accompanying dependent children to the departure point in the event that you are returned to Canada under the Emergency Air Transportation benefit or Repatriation of Remains. The insurer will also pay for an escort to accompany the dependent children.|
|Return of Travel Companion||When approved in advance by the Assistance Company up to single one-way economy airfare to for a travel companion to return to Canada if the insured person is returned to Canada under the Emergency Air Transportation benefit or the Repatriation of Remains benefit.|
|Pet Return||When approved and arranged in advance by the Assistance Company, up to $500 for the cost of returning your accompanying dog(s) or cat(s) to your province or territory of residence in the event that you are hospitalized due to a covered sickness or injury or returned to Canada under the Emergency Air Transportation benefit or the Repatriation of Remains benefit.|
|Vehicle Return||When approved and arranged in advance by the Assistance Company, up to $4,000 for the cost of returning your vehicle to your residence or to a commercial rental agency in the event that you are unable to return a vehicle to its point of origin due to a covered emergency during your trip.|
|Excess Baggage Return||When approved and arranged in advance by the Assistance Company, up to $500 for the cost of returning your excess baggage to the departure point in the event that you are returned to Canada under the Emergency Air Transportation benefit.|
|Return to Original Trip Destination||up to $5,000 for one-way economy airfare to return you and one travel companion to the original trip destination in the event that you are returned to Canada under the Emergency Air Transportation benefit.|
|Stability requirements for the Pre-existing health Conditions to be covered||