| 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) |
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