21st Century Travel Insurance Ltd.
Visitors to Canada Insurance
(underwritten by Manulife Financial)
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Who can apply? Insurance is available for visiting friends and relatives, landed immigrants or returning Canadians waiting for provincial health coverage, and for individuals in Canada on a work or student visa.
Traveling to Canada and Worldwide. This plan provides coverage throughout Canada and also covers side trips, to an overall maximum of 30 days, to any country in the world except your country of origin. These side trips can happen before or after your visit to Canada (maximum 15 days) or in the middle of your visit, as long as you spend at least 51 % of your overall period of coverage in Canada and you have no gaps in your coverage. This policy also provides coverage during your uninterrupted flights from your home country to and from Canada at no additional charge. |
This policy
meets all requirements for
What coverage will you have?
Eligibility. "You" are not eligible for coverage under this policy if:
• a
"physician" has advised "you" not to travel;
• "you" have been diagnosed with a terminal illness with
less than two (2) years to live;
• "you" have a kidney condition requiring dialysis;
and/or
• "you" have used home oxygen during the 12 months prior
to the date of application.
Age. No maximum age.
Amount of coverage: Choose coverage of: $10,000, $15,000, $25,000, $50,000, $100,000, or $150,000 per person. Extra $50,000 of coverage for accidents with the $100,000 option!
Deductibles. For age 85 and under: a $50 deductible per policy applies, unless you chose the option of no deductible or $250 in your application for insurance, and paid the applicable premium (5% surcharge and 10% discount apply respectively). For age 86 and over: $500 deductible applies.
Save 25%-30%. A new "disappearing deductible" option: a deductible of $2,500 per claim applies only to sickness-related events unless covered expenses exceed $2,500, in which case a $0 deductible will apply. For injury-related claims, the deductible is waived.
Minimum Policy premium is $25.
Waiting period. No waiting period if you purchased a policy prior to arrival in Canada, or if the policy is purchased on or prior to the expiry date of an existing 21st Century Visitors to Canada policy to take effect on the day following such expiry date.
Waiting period means:
For age 85 or under:
a) If this policy was
purchased within 30 days of your arrival date, then in
respect of any sickness, you will only be entitled to
receive reimbursement for the cost of insured services
incurred 72 hours or more following the effective date of
this policy, or
c) If this policy was
purchased 31 or more days after your arrival date, then
in respect of any sickness, you will only be entitled to
receive reimbursement for the cost of insured services
incurred 7 days or more following the effective date of
this policy.
For age 86 or older:
If this policy was purchased any time after your arrival date, then in respect of any
sickness, you will only be entitled to receive
reimbursement for the cost of insured services incurred 15
days or more following the "effective date" of this policy.
There is no waiting period for injuries.
Family plan is available. All family members must be under age 60. The premium for family coverage is calculated at two times the premium for the eldest adult.
INSURED SERVICES
● “Emergency” treatment provided by a “physician” including the cost of standard hospital ward accommodations.
"Emergency" means an unexpected, unforeseen sickness or "injury" which requires non-discretionary medical treatment for the immediate relief of acute pain and suffering and which cannot be delayed until "you" can return to "your" "country of origin".
●
Medical, hospital or out-patient services (ER visit,
clinic, doctor's office, etc.)
●
Private duty registered nursing or licensed home care providers and rental
of crutches, hospital bed, splints, trusses, braces or other prosthetic
devices, up to $5,000
● Treatment,
provided by a “health-care practitioner” (Chiropodist,
chiropractor, osteopath, podiatrist physiotherapist, or acupuncturist)
up to $1,000, provided such treatment is prescribed by a “physician”
●
Diagnostic
treatment including x-rays, ultrasounds, and laboratory tests requested by a
“physician”, up to the Aggregate Policy Limit while hospitalized for a
period of 24 hours or more or up to $1,000 when these “insured services” are
provided on an outpatient basis
●
The use of
a licensed ambulance service for “emergency” transportation
●
Drugs
or medications prescribed, in writing, for “you” by a “physician” (up to
$500 if out-patient).
●
In the event of death, up to $5,000 is provided to return your body home, or
up to $1,500 for cremation or burial at the place of death
●
The extra
cost via the most cost-effective itinerary of an economy air fare to return
“you” to “your” country of origin including, if medically necessary or
required by the airline, stretcher fare and/or the return economy fare and
reasonable fees and expenses of a medical attendant
●
Treatment
to natural teeth and repairs to dentures or other dental devices if such
treatment is necessitated by direct unintended or unexpected blow to “your”
face up to $1,000
● “Emergency”
treatment to natural teeth (excluding fillings) and repairs to dentures or
other dental devices, when such treatment is necessitated by a cause other
than a direct unintended or unexpected blow to “your” face up to a per
insured maximum of $300.
• $10,000 Accidental Death & Dismemberment
Exclusions and Limitations. Visitors to Canada medical insurance does not cover everything. This insurance has exclusions, conditions and limitations.
Pre-existing Medical Condition exclusion is the most important exclusion in any Visitors to Canada policy. Please read it carefully for a full understanding of this exclusion.
Here's the way it works:
• Under 60 years of age:
You're automatically
covered for pre-existing medical conditions as long
as they have been stable in the 180 days before
the policy starts (Rates,
Table 1).
• Between the ages of 60 and 85 two options are available:
a) No coverage for pre-existing medical conditions: you will pay a lower premium, but there is no coverage for medical expenses relating to any sickness, disease or injury for which medication has been taken, received or prescribed, and/or treatment has been received in the 180 days preceding the effective date of the policy (Rates, Table 2).
b) You can buy the "Stable Chronic Condition" (SCC) Option
to cover your stable pre-existing conditions, but you have to complete the Medical Declaration
to see if you are eligible for this coverage (Rates,
Table 1). If you are
ineligible or decide to waive the SCC option, you will pay lower premium (Rates,
Table 2), but will NOT be covered
for any pre-existing conditions - stable or unstable.
• Age 86 and over - pre-existing conditions are not
covered.
Please refer to the the policy wording for full list of exclusions and limitation of this coverage.
Claim Procedure. In the event of an emergency please call the Assistance Centre. The Assistance Centre phone numbers are shown in your confirmation of coverage, the policy wording and ID cards. Claims must be reported within 30 days of occurrence. Written proof of claim must be submitted within 90 days of occurrence.
Consult the claim guideline in the Policy Wording .
This is only a summary of the benefits. Please read the Policy Wording before purchasing the policy for a full explanation of benefits, terms and conditions, limitations and exclusions.
For more information, free consultation and to purchase a policy please call at
416-493-0101, 416-458-4577