Plan Info Destination Canada
| Summary of Benefits |
|---|
| Maximum Sum Insured options |
| $25,000 - $50,000 - $100,000 - $150,000 - $200,000 - $250,000 - $300,000 |
| Emergency Hospital |
| Semi-private hospital accommodations |
| Emergency Medical |
| • Services of physician, surgeon, anesthetist • Diagnostic, lab tests 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 $1,000 not exceeding a one-time 30-day supply per prescription |
| Professional Service |
| 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 Zurich Travel Assist |
| 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 when pre-approved by Zurich Travel Assist |
| 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 or 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 |
| Side-trip outside Canada |
| Up to the maximum sum insured selected when the majority of the period of coverage is spent in Canada (at least 51% of the trip). No coverage in your country of origin |
| Coverage for pre-existing medical conditions |
| Option 1: Coverage for stable pre-existing medical conditions: • Age 59 and under: 90 days stable immediately before the effective date • Age 60 to 69: 120 days stable immediately before the effective date • Age 70 to 79: 180 days stable immediately before the effective date Option 2: No coverage for any pre-existing medical conditions: • All ages |
| Waiting period for sickness |
| If the insurance is purchased: • within 30 days of the date you depart your country of origin there will be a 48-hour waiting period; or • 30 days or more after you depart your country of origin there will be a 7-day waiting period. Any sickness that manifests itself during the above waiting period is not covered even if the related expenses are incurred after the waiting period. The waiting period will be waived if you purchase: • before the date of departure from your country of origin; or • before the date, your existing Destination: Canada Visitors Plan policy expires and there is no lapse or gap in coverage; or • before the date, any other existing health insurance coverage expires, and there is no lapse or gap in coverage |
• Age (on application date) – no age limit
• Period – maximum policy period – 365 days.
• Deductible: $0, $250, $500, $1,000, $2,500, $5,000 and $10,000 per claim
• Waiting Period for Illness:
– No waiting period if the insurance is purchased: before your departure from your country of origin or the same policy has been extended.
– 48 hours after your effective date if you purchased within 30 days after your date of departure from your country of origin.; or
– 7 days after your effective date if you purchased more than 30 days after your date of departure from your country of origin.
The waiting period will be waived when this insurance is purchased:
– before the date of departure from your country of origin; or
– before the date your existing Destination: Canada policy expires and there is no lapse or gap in coverage; or
– before the date any other existing health insurance coverage expires, and there is no lapse in coverage. In the event of a claim, you must provide satisfactory proof of your previous insurance coverage in order to have the waiting period waived.
• Pre-existing medical conditions (only if you select Option 1):
– 90 days stability required for age 59 or under
– 120 days for age 60-69
– 180 days for age 70 to 79
All pre-existing medical conditions will be excluded from coverage if you are age 79 or under and selected Option 2 or if you are age 80 and over.