Coverage includes:

• Sub-Limits: Pays up to $5,000 for the services of a registered graduate nurse; up to $300 for each class of practitioner for the services of chiropractor, osteopath, chiropodist or podiatrist, massage therapist, speech therapist and psychologist; up to $1,000 for the services of a physiotherapist; up to $1,000 for ground ambulance services; and up to $2,000 for accidental injury to whole and sound teeth (capped or crowned teeth are considered whole and sound teeth).
• Evacuation Benefits: Pays up to $15,000 for
  1) transportation by any conveyance (other than ground ambulance) from the place of accident, sickness or disease to the nearest hospital, medical facility or doctor’s clinic as recommended by attending physician and approved by Insurer, 2) transportation by any conveyance (other than ground ambulance) to the Insured person’s province of residence for further treatment or to recover, 3) transportation to the Insured person’s province of residence in the event of confinement in hospital preventing the return to such province with the original return transportation that is non-changeable and non-refundable, and 4) up to $2,000 for return transportation, accommodation and board actually incurred by a medical attendant or ONE immediate family member to accompany the Insured person.
• Repatriation Benefits: Pays up to $5,000 for actual expenses incurred for preparing the deceased for burial or cremation and shipment of the body to the Insured Person’s province or residence provided loss of life is outside such province and residence and occurred within 365 days of the date of the accident.
• Transportation & Accommodation Benefits: Pays up to $5,000 to ONE immediate family member or traveling companion for transportation, lodging, and board if an Insured person dies or is being confined for at least 4 days at a hospital located outside his province of residence.
• Return of Vehicle Benefits: Pays up to $500 for the return to the province of residence or car rental agency of the vehicle used for the trip if due to injury, sickness or disease an Insured Person becomes totally disabled and unable to continue their trip.
• Hotel Convalescence Benefits: Pays up to $1,000 of due to injury, sickness or disease, the attending Physician certifies in writing that the Insured person, due to his medical condition, is prohibited from resuming any travel following discharge from the hospital where the Insured Person was confined for a period of not less than seven (7) days, the Insurer will pay the reasonable and necessary expenses actually incurred for board and Accommodation.
• Emergency Medical Assistance: Worldwide emergency medical assistance. In event of injury, sickness or disease, the medical assistance provider must be notified within 48 hours from time of the accident.
• Stability & Pre-Existing Conditions:
  • Clients under age 65-pre-existing medical conditions are covered
  • Clients 66 – 69 – 3-month pre-existing stability condition clause
  • Clients 70 – 74 – 6-month pre-existing stability condition clause
  • Clients 75 – 79 – 12 month pre-existing stability condition clause