– Emergency Medical maximum benefit: $2,000,000
– Hospital expenses (semi-private room) limited to 60 days per injury or sickness (30 days per policy for psychiatric treatment).
– Physician services in or out of hospital and up to 5 follow-up visits.
– Diagnostic services – tests that are required as a result of an emergency. Prior approval is required for all major diagnostic testing including but not limited to MRI, CAT scan, sonograms, ultrasounds and biopsies. *
– Private duty nursing services up to $10,000.
– Ambulance services up to $5,000 for a ground or air ambulance to the nearest hospital.
– Prescription drugs up to 30-day supply.
– Professional medical services – treatment received from a licensed chiropodist, podiatrist, physiotherapist, chiropractor, or osteopath, up to $70 per visit to a maximum of $700 for a covered injury.
– Medical appliances – purchase or rental (whichever is less) of a hospital bed, wheelchairs, crutches, canes, splints, slings, trusses, braces or other prosthetic appliance. *
– Emergency evacuation – up to maximum of $100,000 for air ambulance, a stretcher or economy class airfare to transport you home as a result of a covered emergency; plus, the cost for an attendant, if medically necessary. *
– Accidental dental: up to $2,500 for emergency dental treatment as a result of an accidental blow to the mouth.
– Emergency dental: up to $100 for a pain relief, and up to $250 per tooth to extract impacted wisdom teeth. (this benefit excludes crowns and root canals).
– Psychiatric care – up to $5,000 for services of a legally qualified psychiatrist while you are an in-patient following an emergency, plus up to five (5) follow-up visits.
– Trauma counselling – up to 6 sessions for a covered emergency.
– Family Transportation and subsistence allowance – up to $3,000 for transportation of a family member and up to $150 per day (maximum $1,500) for meals and accommodation in the event of your hospitalization for at least 7 days. *
– Tuition reimbursement – up to $5,000 per semester for tuition fee paid, if you have an emergency which prevents you from attending school and, as a result, you are unable to obtain passing grades for the semester, as confirmed by your physician and registrar of the school you are attending.
– Repatriation of mortal remains – up to $25,000 to have your body prepared for burial or cremated and your burial where you die, or the cost to return your body or ashes home. *
– Trip break – during the period of coverage you may return home to attend special events for up to 21 consecutive days without terminating your policy (you have to request and receive prior approval from the Assistance Centre). *
– Medical concierge service by StandbyMD– 24/7/365 medical teleconsultation service (telephone/chat/video conference access to a qualified physician who can assess your symptoms and provide treatment options); A network of physicians, clinics or ERs located close to the patient (in 141 countries and over 4,500 cities). StandbyMD uses a worldwide network of providers that offer high-quality care at preferred rates and direct billing solutions, minimizing the likelihood of paying out-of-pocket (subject to the terms and conditions of the policy). To access this service, simply call the Assistance Centre.
Non Emergency Treatment:
– Annual medical examination – up to $100 per year to a physician for an exam and tests and for one consultation session.
– Eye Examination– one visit to optometrist per year.
– Accidental Death or Dismemberment insurance – up to $10,000.
* These benefits must be approved and/or arranged in advance by the Assistance Centre.
