Canadians Travel within Canada

Some Plan Details

  • 24 hours Assistance Center
  • Ambulance transportation
  • Hospital (Semi-private room)
  • Diagnostic (Lab tests; X-ray)
  • Physician and surgeon
  • Prescription Drugs
  • Funeral:Repatriation

Licensed experienced brokers with designations like RHU,CLU,CFP


PRE-EXISTING CONDITIONS:

STABLE and CONTROLLED - any medical condition for which there has been no new treatment or newly prescribed medication; no change in treatment or change in prescribed medication; no new, more frequent or more severe symptom; no test results showing deterioration; no investigations initiated for symptoms whether or not your diagnosis has been determined; no hospitalization and no referral to a specialist.


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Canadians Travel within Canada

Hospital confinement and treatment

Emergency hospital confinement (limited to semi-private accommodation) and/or emergency medical treatment by a physician for the actual, usual and customary charges for reasonable and necessary hospital and medical expenses. This expense includes one follow-up visit (not including ongoing treatment), when the medical process in dealing with the emergency requires such follow-up visit. The follow-up visit must take place within 14 days of the initial emergency. In the case of hospital confinement, any coverage related to the hospital confinement terminates upon release from hospital, other than one follow-up visit within 14 days of the hospital discharge.

Physician

The services of a physician.

Ambulance services

The services of a licensed ambulance and paramedics from the scene of the accident or place of onset of the sickness to the nearest hospital. If an ambulance is medically required but is unavailable, the company will reimburse you for taxi expenses, taxi receipt required.

X-ray examinations

X-ray examinations and diagnostic laboratory procedures when performed at time of initial emergency.

Medicines and/or drugs

Up to a maximum of a 30-day supply for medicines and/or drugs (excluding vitamins, minerals, dietary supplements and over the counter medicines) that require a physician’s written prescription following a consultation (original pharmacy prescription receipts are required). While you are confined to hospital, the company will reimburse the total cost of such medicines and/or drugs.

Rental of essential medical appliances

Rental of essential medical appliances including, but not limited to, wheelchairs, crutches and canes, but in no event will the rental amount payable exceed the total purchase price.

Private duty nursing

Private duty nursing services, performed by a registered nurse(R.N.) other than a family member, when ordered in writing by the attending physician expressly in lieu of hospitalization.

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We are a broker company offering plans / insurance products from companies like Manulife Financial, GMS, Travel Underwriters, Travel Guard, Blue Cross, TIC, SRMRM Inc. and Welcome Canada, what we care for is a plan that best suits your needs at lowest possible premiums. We work in the best interest of client and not insurance companies. We strive to maintain the accuracy with all the information provided on this website; however errors and omissions regretted.

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


Key Features Details
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

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