GMS Plan Details

Comprehensive emergency medical insurance for visitors, immigrants, and Super Visa applicants

Benefits

The range of coverage and services included in the policy, such as medical expenses, emergency care, trip interruption, and more.

Benefit Category	Coverage Details
In-Hospital Care	Hospital accommodations up to semi-private rooms; hospital services for medical emergencies; follow-up visits until emergency ends (if medically necessary, within 14 days of initial emergency)
Medical Services	Medical treatment by physician or surgeon
Diagnostic Services	X-rays and diagnostic tests (MRIs, CAT scans, sonograms, ultrasounds and biopsies excluded unless pre-authorized)
Out-Patient Treatment	Out-patient medical emergency room expenses
Prescription Medication	Drugs/medication on prescription, supplied by licensed pharmacist, maximum 30-day prescription (refills excluded)
Ambulance	Licensed road or air ambulance for emergency transportation (helicopter transports excluded)
Health Practitioners	Up to $500 aggregate maximum for emergency services of osteopath, optometrist, physiotherapist, chiropractor, chiropodist and/or podiatrist
Accidental Dental	Up to $2,000 for repair/replacement of natural teeth due to accidental blow; up to $300 for dental pain relief (excludes dental implants)
Return of Remains	Up to $10,000 for preparation/transportation of deceased to destination in Canada/country of origin; or up to $4,000 for cremation/burial at place of death
Child Care	Up to $500 for licensed care of dependent children if hospitalized (requires prior GMS approval)
Out-of-Pocket Expenses	Up to $150/day (maximum $1,000) for accommodations, meals, calls, transportation for accompanying family
Repatriation (Commercial Airline)	Up to $5,000 for transport by common carrier without medical attendant to country of origin (requires GMS pre-approval)
Repatriation (with Medical Attendant)	Coverage for transportation by common carrier or air ambulance with medical escort to country of origin (requires GMS pre-approval)

Specific Conditions

Any medical conditions, illnesses, or injuries that you had before purchasing the insurance policy. Coverage for these may be limited or subject to specific terms.

Important Note	Details
Health Changes	Notify GMS of any health changes after application
Emergency Coverage Only	Coverage applies to unexpected medical emergencies only
Travel Assistance	Contact GMS within 24 hours of treatment/hospitalization
Government Health Plan	Coverage ends once eligible under a government health plan
Medical Disclosure	Incorrect or incomplete medical information may affect coverage

Eligibility

The criteria you must meet to purchase or be covered under the insurance plan, such as age limits, residency status, or travel requirements.

Section	Key Eligibility Details
Age Limit	Must be under 80 years old on policy effective date
Medical Treatment Intent	Must not have reason to seek medical treatment (excluding regular chronic care or visa medical evaluations)
Prior Coverage Denial	Must not have been denied similar coverage by another Canadian insurer
Recent Medical Expenses in Canada	Must not have more than $5,000 medical treatment expenses in Canada within last 12 months
Heart Condition Restrictions	No expected treatment for heart disease • No pending tests for suspected heart condition
Heart Disease + Diabetes	No prescription drugs for heart disease while taking insulin for diabetes
Implantable Devices	No implantable cardioverter defibrillator (ICD)
Syncope / Falls	No unexplained fainting or falls more than once
Home Oxygen	No use of home oxygen
Lung Condition Restriction	No oral steroids for lung condition
Cancer Restriction	No active cancer treatment or Metastatic Cancer
Aneurysm Restriction	No surgically untreated vascular aneurysm
Major Medical History	No history of valve replacement, kidney dialysis, or organ transplant
Recent Serious Conditions (12 Months)	No diagnosis, new treatment, or medication changes within last 12 months for: congestive heart failure, atrial flutter, atrial/ventricular fibrillation, peripheral vascular disease, stroke/TIA, AIDS, terminal illness, blood clots, gastrointestinal bleeding
Activities of Daily Living (70+)	If 70+, must not require assistance with activities of daily living (ADL)
Health Change Requirement	GMS must be notified of any health changes after application
Coverage Limit	Maximum coverage period per policy is 365 days
Waiting Period (0–30 Days After Arrival)	2-day waiting period for sickness if uninsured and applying within first 30 days after arriving in Canada
Waiting Period (30+ Days After Arrival)	7-day waiting period for sickness if uninsured and applying more than 30 days after arriving in Canada
No Waiting Period	No waiting period if purchased before arrival or continuing similar Canadian coverage without lapse/gap
Coverage End Conditions	Coverage ends when: departing Canada • policy expiry • returned to country of origin by GMS • eligible under government health plan
Important Note	Coverage subject to policy wording, exclusions, stability requirements, and insurer approval

Refunds

The amount you may be eligible to receive back if you cancel your policy, depending on the timing and the insurer’s refund terms.

Refund Scenario	Policy
Full Refund	Available if no travel occurred when: (1) Request received before effective date; (2) After effective date if visa to Canada denied (admin fee applies)
Partial Refund	Available with admin fee when: (1) Request after effective date with no travel; (2) Return to country of origin; (3) Become eligible for government health plan; (4) Death during policy period
No Refund	When: (1) Claim reported to GMS Travel Assistance; (2) Request after policy expiry date
Important Note	Refunds subject to GMS review, approval, supporting documents, and policy conditions

Extensions

The option to continue your coverage by extending the policy duration before it expires, subject to approval and conditions.

Extension Type	Details
Automatic Extensions	1. Coverage extended during hospitalization + up to 72 hours after discharge if hospitalized on expiry date 2. Transit to Canada covered if arrival within 48 hours of departure from country of origin 3. Transit to country of origin covered if arrival within 48 hours of departure from Canada
Policy Extensions	Additional days available if: (1) Contact GMS 48 hours before expiry; (2) No medical treatment required during coverage (whether claim submitted or not); (3) Total coverage does not exceed 1 year; (4) Insured is not 80+ years old at extension start date; (5) Subject to GMS approval

Claims

The process of requesting reimbursement or payment from the insurance company for covered expenses during your policy period.

Claims Process	Requirements
Emergency Assistance	Contact GMS Travel Assistance within 24 hours of medical treatment or hospital admission
Emergency Contact Numbers	Canada & USA: 1-800-459-6604 • Collect Worldwide: 905-762-5196
Failure to Notify	Benefits may be limited to the lesser of 70% of eligible expenses or $50,000
Notice of Claim	Written notice required within 30 days after contacting GMS Travel Assistance
Proof of Claim	Submit within 90 days: itemized receipts • proof of payment • medical records • dental accident proof • travel dates • historical records if requested
Death Claims	GMS may require an autopsy where permitted by law
Limitation Period	Expenses must be submitted within 12 months from date of last eligible expense
Important Note	Claims subject to policy wording, exclusions, limitations, and GMS approval

Exclusions

Specific situations, treatments, or conditions that are not covered under the policy, which means no claim can be made for them.

Exclusion Category	Details
Location / Jurisdiction	Expenses in country of origin • Services outside Canada except where specifically covered
Pre-existing / Stability	Conditions not stable for 180 days before effective date • Failure to follow recommended treatment/testing before arrival
Medical Conditions	Acting against medical advice • Regular care of chronic conditions • Continuation/recurrence of medical condition • Non-emergency treatment
Diagnostic / Pre-Approval	MRI, CT scans, ultrasounds, biopsies, diagnostic facilities, air transport, or certain treatments without GMS pre-approval
Specific Medical Situations	Pregnancy • Abortion • Miscarriage • Childbirth • Newborns not released from hospital for 48+ hours • Experimental treatment
Treatment Purpose	Travel undertaken for diagnosis or medical treatment
High-risk Activities	Professional sports • Racing/speed contests • Extreme sports • Air travel other than as passenger on common carrier
Behavioral / Legal	Criminal/illegal acts • Drug/alcohol misuse • Medication misuse • Travel against official travel advisory
Coverage Limitations	Duplicate coverage • Services prohibited by law • Nuclear reaction/radiation • War/terrorism
Important Note	Coverage subject to policy wording, exclusions, limitations, and GMS approval

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