NOTE: Monthly Payment Plan is available for 12-month or 24-month policy and minimum policy limit of $100,000.*
– Maximum Benefits: $15,000; $25,000; $50,000, $100,000, $150,000, and $200,000
– Emergency hospital: semi-private room or intensive care unit when medically necessary. **
– Ambulance Transportation: the use of a licensed local ambulance service.
– Emergency Air Transportation: the cost for one-way economy airfare, a stretcher, or air ambulance to transport you to your country of origin, and a medical attendant if required. ***
– Diagnostics: tests that are needed to diagnose or find out more about your condition. **
– Physician services.
– Private duty registered nursing or licensed home care providers. ***
– Medical Appliances – rental of crutches, hospital bed, splints, trusses, braces, or other prosthetic devices, up to $5,000.
– Follow up visits are covered until the attending physician, or 21st Century declares the end of the medical emergency
(Basic Plan is limited to only one follow-up during period of coverage).
– Professional Medical Services referred by a physician – treatment provided by a licensed acupuncturist, chiropodist, chiropractor, osteopath, physiotherapist or podiatrist up to a maximum of $1,000 per insured
(Basic Plan is limited to service from acupuncturist, chiropractor and physiotherapist).
– Telemedicine service by StandByMD (Maple) – 24/7 days medical consultation service that connects you within minutes to a Canadian licensed primary care physician to get an assessment, diagnosis and prescription as needed. Currently StandByMD (Maple) is available in ON, BC, NS, MB, NL, AB, PEI, NB, QC, NU and YT. Call the Assistance Center.
– Prescription drugs or medicines up to $500 and not exceeding a 30-day supply.
– Emergency Dental (Enhanced and Standard Plans only): up to $300 for relief of acute dental pain.
– Accidental Dental (Enhanced and Standard Plans only): Up to $4,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
– Expenses related to death from covered medical condition – up to $7,500 for combined cost of preparing and transportation of the body to your place of burial or for cremation and/or burial at the place of death. The cost of a coffin or urn is not covered. ***
– Accidental Death and Dismemberment (Enhanced and Standard Plans only) – up to $25,000 (in excess of the aggregate policy limit).
– Re-occurrence of already claimed medical condition (Enhanced and Standard Plans only) if in the 90-days prior to that subsequent emergency this condition was stable (see 90-Day Provision exception).
– Flight to/from Canada coverage will be provided with no additional premium during your uninterrupted flight directly to and from Canada, when coverage is purchased prior to leaving your country of origin with an effective date equal to the date and time you are scheduled to arrive in Canada, and prior to leaving Canada to return to your country of origin with an expiry date equal to the date and time you are scheduled to leave Canada. An uninterrupted flight shall include a stop-over provided you do not leave the airport.
* A deposit of one-time $50 policy fee plus 2 months of premium for pending policies (no confirmed arrival date) or 3 month premium for active policies (actual travel dates are known) is due at time of application.
** This policy does not cover 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 unless such services are approved in advance by the Assistance Centre.
*** These benefits must be authorized and arranged by the Assistance Centre.
The Basic Plan is a reduced benefit plan with NO coverage for pre-existing medical conditions.
Basic Plan vs. Enhanced and Standard Plans:
• Pre-existing conditions look back period is Lifetime for the Basic Plan (vs. 180 days for Enhanced and Standard Plans)
• Accidental Death and Dismemberment is NOT included in the Basic Plan
• Dental Accident is not included in the Basic Plan
• Dental Emergencies are not included in the Basic Plan
• 90-Day Provision (reinstates benefits in certain circumstances after a claim) is NOT included in the Basic Plan
• Continuing Treatment (follow ups) is restricted to only one visit for the Basic Plan (vs. until the end of the emergency for the Enhanced and Standard Plans)
• No coverage for the following health care practitioners: chiropodist, osteopath, podiatrist for the Basic Plan holders
• Deductibles are PER CLAIM for the Basic Plan (vs. per policy period for Enhanced and Standard Plans except for the $2,500 Disappearing Deductible which is also per person per claim).
• Waiting Period is 15 days for Basic Plan policy holders age 86 and over if coverage is purchased after arrival in Canada or after the expiry date of another Visitors to Canada policy.
