Visitors to Canada

Overview of emergency medical benefits*

• Hospital/doctor care and services
• Paramedical services - including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
• Ambulance transportation
• Emergency dental treatment
• Emergency medical return home
• Expenses to return children under your care
• Additional expenses for meals and hotel
• Trip break without terminating coverage
• Expenses related to death
• Expenses to bring someone to your bedside when travelling alone

Optional insurance

You can add these two options to the plan:

1. Trip Interruption*: Coverage for a return home, if necessary, due to a medical emergency or the death of a family member or travelling companion.
2. Travel Accident*: Lump-sum payments in the event of loss of life, limb or sight.

Pre-existing condition exclusions

The Pre-Existing Condition Exclusion that applies depends on the plan purchased.

Plan A – We will not pay any expenses directly or indirectly relating to:

1. any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation or for which treatment was required or recommended by a physician, within the 180 days prior to the effective date;
2. any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
3. any lung condition, if in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

Plan B – We will not pay any expenses directly or indirectly relating to:

1. a pre-existing condition that is not stable in the 180 days before the effective date of insurance;
2. any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
3. any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

Pre-Existing Condition

"Pre-Existing Condition" means a medical condition that exists before your effective date of insurance.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
3. the medical condition has not become worse, and
4. there have not been any new, more frequent or more severe symptoms, and
5. there has been no hospitalization or referral to a specialist, and
6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in medication

"Change in medication" means the medication dosage, frequency or type has been reduced, increased, or stopped, and/or new medications has/have been prescribed.

The following is not considered a change in medication:

1. a change from a brand-name drug to an equivalent generic drug of the same dosage;
2. a routine adjustment in the dosage of your medication, as a result of your blood levels only, if you are taking Coumadin (warfarin) or insulin and are required to have your blood levels tested on a regular basis, and your medical condition remains unchanged.

Treatment

"Treatment" means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. IMPORTANT: Any reference to testing, tests, test results, or investigations excludes genetic tests. "Genetic test" means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Coverage amounts

We will pay up to a maximum of $1,500 for single coverage or $5,000 for family coverage. This can cover:

• the non-refundable and non-transferable portion of your trip; or
• your additional and unplanned hotel and meal expenses, your essential phone calls and taxi fares when no earlier transportation arrangements are available; and/or
• your return home.

To be eligible for insurance under this policy, you must be a:

• Visitor to Canada; or
• Canadian resident who is not eligible for benefits under a government health insurance plan; or
• Person who is in Canada on a work visa or Parent and Grandparent Super Visa; or
• New immigrant who is awaiting Canadian government health insurance plan coverage.

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

Pre-existing condition exclusion

Under Trip Interruption Insurance, we will not cover expenses resulting directly or indirectly from:

A medical condition related to a covered event, if the medical condition was not stable in the 3 months before the effective date of insurance.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
3. the medical condition has not become worse, and
4. there have not been any new, more frequent or more severe symptoms, and
5. there has been no hospitalization or referral to a specialist, and
6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Coverage amount: $50,000

Payable if the following occurs within 365 days of an accident:*

• Death
• Complete, permanent blindness in both eyes
• Two limbs fully severed above the wrist or ankle joints

To be eligible for insurance under this policy, you must be a:

• Visitor to Canada; or
• Canadian resident who is not eligible for benefits under a government health insurance plan; or
• Person who is in Canada on a work visa or Parent and Grandparent Super Visa; or
• New immigrant who is awaiting Canadian government health insurance plan coverage.

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

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable 

A medical condition is considered stable when all of the following statements are true:

1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
3. the medical condition has not become worse, and
4. there have not been any new, more frequent or more severe symptoms, and
5. there has been no hospitalization or referral to a specialist, and
6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.