Overall Maximum Limit |
$5,000,000 |
$5,000,000 |
Covered Areas |
Worldwide or within Canada |
Worldwide |
Multi-Trip Annual Plan Options |
4, 9, 16, 30, or 60 days per trip |
9, 16, 30, or 60 days per trip |
Deductible Options |
No deductible, $250, $500, $1,000, $5,000, $10,000 (USD) |
No deductible, $250, $500, $1,000, $5,000, $10,000, $50,000, $100,000 (CAD) |
Pre-Existing Medical Condition Coverage |
Subject to stability period of 90-365 days prior to departure (depending on age and answers to medical questionnaire) |
Subject to stability period of 90-365 days prior to departure (depending on answers to medical questionnaire). Guaranteed Stability Option available for unstable medical conditions |
Hospital Accommodation |
Reasonable and customary costs (semi-private room) |
Reasonable and customary costs (semi-private room) |
Physician |
Reasonable and customary costs |
Reasonable and customary costs |
Ambulance |
Reasonable and customary costs |
Reasonable and customary costs |
Prescription Drugs |
30-day supply (limit does not apply when hospitalized) |
30 day supply (limit does not apply when hospitalized) |
Dental Accident |
$2,000 |
$4,000 |
Dental Pain |
$350 |
$500 |
Emergency Transportation |
Air ambulance or economy airfare to the nearest appropriate medical facility or to the home province or territory |
Air ambulance or economy airfare to the home province or territory |
Specialists and Therapists |
$300 per profession for chiropractor, chiropodist, osteopath, podiatrist, or physiotherapist |
$500 per profession for physiotherapist, chiropractor, chiropodist, osteopath, podiatrist |
Excluded Sports |
All professional sports, competitive motorized sporting events, racing, motorized speed contests |
All professional sports, SCUBA diving (unless you are certified by an internationally recognized and accepted program) |
|
|
|
|