Get a Quote Now !!Emergency Medical Benefits
Hospital expenses – up to the maximum aggregate for
60 days hospitalization for injury or illness
30 days hospitalization for psychiatric care
Out-patient and emergency department services
Physician services – plus up to 5 follow-up visits
Diagnostic services
Private duty nurse – up to $10,000
Ambulance transportation – up to $5,000
Prescription drugs – up to 30 days supply
Paramedical services – up to $70 per visit, up to a combined maximum of $700
Emergency dental treatment
accidental injury – up to $2,500
relief of pain – up to $100
per extracted wisdom tooth – up to $250
Psychiatric care – up to $5,000
Trauma counselling – up to 6 sessions
Medical appliances
Emergency evacuation – up to $100,000
Family transportation to beside and subsistence allowance – up to $4,500
Repatriation of mortal remains – up to $10,000
Tuition reimbursement – up to $5,000
Trip break – up to 21 consecutive days without termination of coverage
* Please note: For Canadians travelling abroad, if the claim is a result of an act of terrorism, this benefit may be limited.

Non-Emergency Medical Benefits
Annual medical examination – up to $100
Annual eye examination
Maternity benefit – up to $8,000
Accidental death or dismemberment – up to $10,000

Getting Covered
You are not eligible for any coverage under this policy if:
You are travelling contrary to medical advice;
You require kidney dialysis;
You have used home oxygen anytime during the twelve (12) months prior to the date of application;
You have been diagnosed with a terminal illness with less than two (2) years to live.
Please note that anyone you wish to include under Family Coverage must also meet the above eligibility requirements.

Also, to be eligible for insurance under this policy, you must be:
You are under the age of 55; and
a full-time student with proof of admission or enrolment in a recognized institute of learning; or
a student completing post-doctoral research in a recognized institute of learning; or
dependant(s) and/or the spouse of, and residing with, a student covered under this insurance and named on the application; and
You are purchasing coverage:
for an inbound trip, when your home country is not Canada and you are temporarily residing in Canada; or
for an outbound trip, when your home country is Canada, and you are covered under a Canadian provincial or territorial government health insurance plan while temporarily residing outside Canada, or
as a national student, when your home country is Canada, and you are covered under a Canadian provincial or territorial government health insurance plan while you are temporarily residing in another Canadian province or territory.

If you stay at your destination between semesters, you can re-apply for coverage as long as you have proof of enrolment in the following semester.

Pre-Existing Conditions
Pre-existing condition exclusions
This policy will not pay any expenses or benefits relating to:
A pre-existing condition which has not remained stable in the three (3) months before the effective date.
Any pre-existing condition of a covered dependant that was not stable in the three (3) months before the date the dependant became covered under this policy.
For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-existing condition means an injury, illness or symptom that exists before the effective date of insurance.

Stable means a medical condition for which:

you have not had any new symptom(s); and
existing symptom(s) have not become more frequent or severe; and
your physician has not determined that your medical condition has become worse; and
no test findings have shown that your medical condition may be getting worse; and
you have not received, been prescribed, taken or had a physician recommend any new medication, or any change in medication. Exceptions: the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is not newly prescribed or stopped) and a change from a brand-name medication to a generic brand medication (provided that the dosage is not modified); and
you have not received, been prescribed or had a physician recommend any new treatment or any change in treatment; and
you have not been hospitalized or referred to a specialty clinic or specialist; and
your physician has not advised you to see a specialist or to have further tests, and you have not undergone testing for which you have not yet received the results.

Refunds & extensions
Refunds
You may cancel this insurance at any time before the effective date.
If you return home early, you can apply for a refund of the premiums (minimum $50) for the unused coverage, providing there has been no incident which has resulted or will result in a claim or for which a claim was started against the policy and that you have mailed your written refund request within 5 days of your departure from Canada (within 5 days of your return home, for Canadians).
All travellers insured under the same policy must return together for a refund to be possible.

Extensions

If you already have coverage, simply call the Assistance Centre. You may be able to extend their coverage as long as:
the period of coverage does not extend beyond 365 days;
you remain eligible for insurance under this plan;
we have received the extension requests prior to the expiry date of the existing policy issued by us; and
there has been no change between single or family coverage.
Note: For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received prior to the effective date of the extension of coverage under this policy.

Canadian Students studying abroad

Canadian Students studying in Canada but outside their principal province of residence

Post-doctoral research students are considered as students.

Note: To be eligible, you must be under the age of 55. Any Canadian student must be covered under a government health insurance plan from a Canadian province or territory to apply. It is your responsibility to ensure continued coverage under the government health insurance plan of your province/territory of permanent residence.