Destination: Canada

Visitors to Canada Emergency Medical Insurance

.

Summary of Benefits

.

The Destination: Canada Plan provides emergency medical insurance for visitors to Canada, newly landed immigrants, or returning Canadian citizens.

Eligibility

• Coverage is NOT AVAILABLE to any individual who:
  a) has been diagnosed with a terminal illness; or
  b) has Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or
  c) has been prescribed or used home oxygen treatment in the last 12 months; or
  d) has been diagnosed with or treated for congestive heart failure; or
  e) has had a major organ transplant (heart, kidney, liver, lung); or
  f) has received kidney dialysis treatment in the last 12 months.

• To be eligible for coverage you must, as of the effective date:
  a) be at least 15 days old; and
  b) be in good health at the time you purchase your policy and on the effective date, and know of no reason why you would attend any medical consultation during the period of coverage; and
  c) not be insured or eligible for benefits under a Canadian government health insurance plan. If you become eligible for and insured under the government health insurance plan of the province or territory in which you reside, the insurance will apply only to those benefits not provided under the provincial or territorial government health insurance plan.

Coverage During Flight to/from Canada

Covered if purchased before leaving country of origin.

Sum Insured

$10,000 – $25,000 – $50,000 – $100,000 – $150,000 or $300,000

Deductible

Deductible applies: Per person, Per Claim

• Age 0 to 85 – Standard: $0
  . – Optional: $250 – $500 – $1,000
• Age 86 and over – $500 deductible

Emergency Hospital

Semi-private hospital accommodation

Emergency Medical

• Services of physician, surgeon, anaesthetist
• Diagnostics, lab test and/or x-ray
• Licensed local land and or sea ambulance to the nearest hospital
• Private duty services of a registered graduate nurse up to $10,000
• Rental of medical appliances

Drugs or Medications

Up to $500 not exceeding a one-month supply

Professional Services

Physiotherapist, chiropractor, chiropodist, osteopath, podiatrist when ordered by the attending physician up to $500 per practitioner for out-patient treatment

Emergency Air Transportation / Return home

When pre-approved by SelectCare

Transportation of Family

Up to $3,000 to transport one family member or close friend and up to $1,000 for meals and accommodation

Follow-up Visits

Up to $3,000 for follow-up visits

Accidental Dental

Up to $3,000 for emergency treatment for accidental blow to the face

Dental Emergencies

Up to $500 for the immediate relief of acute dental pain

Meals and Accommodation

Up to $150 per day to a maximum of $1,500 when hospitalized

Emergency Return Home

Up to $3,000 for the additional cost of a one-way economy transportation

Return of Deceased

Up to $10,000 for return of remains or up to $4,000 for cremation or burial at place of death

Accidental Death & Dismemberment

Up to the maximum sum insured not to exceed $150,000 for loss of life, limb or sight resulting from an accidental injury

Flight Accident

Up to a maximum sum insured of $50,000 for Death & Dismemberment

Pre-existing conditions

• Age 0 to 79
  Option 1: Covered only if stable during the 120 days prior to the effective date
  Option 2: All pre-existing conditions will be excluded from coverage
• Age 80 and over – All pre-existing conditions will be excluded from coverage

Limitations & Exclusions

Refer to policy wording for a complete list of the limitations and exclusions

Waiting Period for Sickness-related Benefits

• Age 0 to 85
  No waiting period applies if the insurance is purchased prior to the arrival date in Canada
  A 48-hour waiting period will apply if the insurance is purchased after the expiry date of an existing Destination: Canada policy or purchased after your arrival date in Canada
• Age 86 or older – 15 Day waiting period

Claims Procedures

Note: In the event of a medical emergency, SelectCare Worldwide must be notified prior to any surgery being performed or within 24 hours of admission to hospital. If you fail to do so without reasonable cause, then we will reduce the benefits payable to you under this policy by 20%.
Claims must be reported within 30 days of occurrence.
Written proof of claim must be submitted within 90 days of occurrence.

Claims forms are available by calling SelectCare Worldwide Claims Department.
Call Collect Worldwide: 416-340-1553
Call Toll Free Canada/USA: 1-866-261-1723

SEND YOUR CLAIMS TO:
SelectCare Worldwide Claims Department
2100 – 250 Yonge Street
Toronto, Ontario, Canada M5B 2L7

IMPORTANT: Please see the Claims Procedures section of your policy for full requirements and terms.

Download the Destination: Canada Claim Form

.

.

.

Destination: Canada Visitors to Canada Emergency Medical Insurance

..

Managed by:

The Destination: Travel Group Inc.

Underwritten by:

CUMIS General Insurance Company, a member of The Co-operators group of companies

Assistance Services by:

SelectCare Worldwide

.