| Medical services |
Medical services received from physician in or out of hospital (conditions apply*) |
Medical services received from physician in or out of hospital (conditions apply*) |
Medical services received from physician in or out of hospital (conditions apply*) |
| Basic diagnostic services |
Lab tests required by physicians to determine a medical condition |
Lab tests required by physicians to determine a medical condition |
Lab tests required by physicians to determine a medical condition |
| Advanced diagnostic services
|
cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre *
|
cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre *
|
cardiac catheterization, angioplasty, and/or cardiovascular surgery including any associated test(s) or charges, magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies if approved by our assistance centre *
|
| Follow-up physician visits |
One follow-up per event of sickness or injury |
No limit |
No limit |
| Medical care
|
Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
|
Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *)
|
Private registered nursing/ Licensed home care, rental of hospital bed, wheelchair or use of other medical appliances up to $5,000 following emergency insured services prescribed by physician. (conditions apply *) |
| Prescribed medication |
prescription medications up to $500 and not exceeding a
30-day supply. Medication that can be purchased over the counter is not covered.
|
prescription medications up to $500 and not exceeding a
30-day supply. Medication that can be purchased over the counter is not covered.
|
prescription medications up to $500 and not exceeding a
30-day supply. Medication that can be purchased over the counter is not covered.
|
| Pre-existing medical coverage |
Not covered
|
Not covered If conditions existed in 180 days prior to effective date |
Covered if conditions existed and stable in 180 days prior to effective date. |
| Hospital stay |
semi-private room when available and intensive care unit when medically necessary
|
semi-private room when available and intensive care unit when medically necessary
|
semi-private room when available and intensive care unit when medically necessary |
| Emergency ground transport |
Licensed local ambulance service
|
Licensed local ambulance service |
Licensed local ambulance service |
| Emergency air transport |
if our medical advisor and your physician recommends then we will pay for one or more of the following:
- air ambulance
- cost effective economy class fare for return to your home country
- return air fare for medical attendant if necessary
- stretcher fare on a commercial flight if necessary
(conditions apply *)
|
if our medical advisor and your physician recommends then we will pay for one or more of the following:
- air ambulance
- cost effective economy class fare for return to your home country
- return air fare for medical attendant if necessary
- stretcher fare on a commercial flight if necessary
(conditions apply *)
|
if our medical advisor and your physician recommends then we will pay for one or more of the following:
- air ambulance
- cost effective economy class fare for return to your home country
- return air fare for medical attendant if necessary
- stretcher fare on a commercial flight if necessary
(conditions apply *)
|
| Dental Accident coverage |
Not available
|
Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face. |
Up to $4,000 coverage if dental treatment is necessitated as a result of accidental blow to your face. |
| Dental pain relief |
Not available |
Up to $300 acute dental pain for which you have not previously received treatment or advice |
Up to $300 acute dental pain for which you have not previously received treatment or advice |
| Accidental Death and Dismemberment |
Not available
|
Up to $25,000 coverage |
Up to $25,000 coverage |
| Healthcare practioners |
accupuncturist, chiropractor, physiotherapist |
accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist |
accupuncturist, chiropodist, chiropractor, osteopath, physiotherapist, podiatrist |
| Side Trip Coverage |
provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada
(conditions apply *) |
provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada
(conditions apply *) |
provides coverage in any other country (excluding your county of origin) you are travelling before your arrival to Canada or departure from Canada
(conditions apply *) |
| 90 day provision |
Not available |
Reinstatement of coverage for a second claim related to the same condition |
Reinstatement of coverage for a second claim related to the same condition |
