Key Benefits |
Maximum Limit |
| Maximum liability |
$5,000,000 |
| Emergency medical treatment |
- Emergency medical treatment for sickness or injury whether in-patient or out-patient care
- Services of physician, surgeon, anaesthetist, registered graduate nurse
- Private duty nursing
- X-rays and laboratory services
- Rental of essential medical appliances |
| Ambulance |
Yes, including paramedics or taxi in lieu |
| Prescription drugs |
Limit of a 30-day supply |
| Professional medical services |
- Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath,
podiatrist and optometrist |
| Dental |
- Up to $4,000 for accident
- Up to $500 for any other dental emergencies |
| Hospital allowance |
$50 per day to a maximum of $500 for incidental hospital charges |
| Emergency air transportation |
- Up to policy limit; includes cost of air ambulance, stretcher fare or one-way economy airfare, medical attendant or
travelling companion, seat upgrade when medically necessary (for insured and attendant or travelling companion) |
| Return of excess baggage |
Up to $200, provided there was no room aboard and when the insured is returned to the home province under the
Emergency Air Transportation Benefit or Repatriation Benefit |
| Return of travelling companion |
A one-way economy airfare back to the departure point if the insured is returned home for medical reasons |
| Escort of children/grandchildren |
Up to age 21 or 25 if full-time student; no age limit for mentally/physically handicapped |
| Repatriation |
- Up to $10,000 for repatriation (excluding cost of coffin)
- Up to $4,000 for burial/cremation at place of death (excluding cost of burial coffin or urn)
- Transportation costs for one family member to identify the body and up to $150 per day for meals and
accommodation to a maximum of five days; the family member will also be covered as an insured for a maximum
of five days |
| Family transportation |
One economy return airfare or ground transportation costs and up to $150 per day for out-of-pocket expenses |
| Out-of-pocket expenses |
Up to $400 per day to a maximum of $4,000 when insured or travelling companion is hospitalized on the date
scheduled to return to the home province or when transferred to a different hospital in another city for emergency
medical treatment |
| Return of vehicle |
Up to $4,000 |
| Return to your destination |
One-way economy airfare by the most direct route to return to the insured’s original trip destination following a return
to their home province under the Emergency Air Transportation Benefit |
| Return of accompanying dog or cat |
Up to $300 |
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Key Features |
|
| Plans available |
Annual
- Multi trip worldwide
- Multi trip within Canada
Single
- Worldwide
- Worldwide excluding USA (includes up to 5 days transit coverage in USA)
- Within Canada |
| Pre-existing conditions coverage |
59 years and under
- No stability period for trips of 35 days and less*
- 90-day stability period for trips over 35 days
60 to 74 years
- 180-day stability period for all trip lengths
75 to 89 years
- 365-day stability period for all trip lengths
* Conditions and/or symptoms which arose or worsened on the date of departure, or at any time within the seven days prior to the date of departure, other than a minor ailment, will not be covered. |
| Deductible |
Automatic $250 deductible; buy-out option available or other deductible options up to $100,000 for premium discount |
One temporary visit to home province
during a single trip |
Includes up to a maximum of 10 days |
| Family rate |
Available up to age 59; includes grandparents and grandchildren as well as children up to age 21 or 25 if full-time
students; no age limit if children are mentally/physically handicapped |
| Subrogation |
No subrogation against any employment plans with a lifetime maximum limit of $100,000 or less |
| Norman & Cindy, London ON |
William & Dorothy, Sarnia ON |
Richard & Shelly, Toronto ON |
Peter, Brampton ON |
| "Kept us completely informed on each step while waiting approval." |
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| "I had been turned down time after time.....Life Insurance Advisors got a policy for me at preferred rates...Thanks" |
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| "Your service was outstanding, you kept us in the loop throughout the entire process. You made shopping for life insurance a breeze. Thank you so much!" |
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| "Mike, Thanks for being so professional. You have provided me the life insurance at the right value without any hassle. Thanks." |
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