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21st Century
Travel Insurance Ltd.
Visitors to Canada Insurance
(underwritten
by Manulife Financial)
The Plan features :
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Choose coverage of: $10,000, $15,000, $25,000, $50,000, $100,000, or $150,000 per
person.
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Choose
deductible to lower premiums. Deductible amount for ages
up to 86 years may be $0, $50, or $250 per each sickness, disease or bodily injury
leading to a claim.
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Apply
before or after arrival in Canada.
No waiting period if you apply for coverage before your
arrival in Canada.
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Coverage
provided on uninterrupted flights to and from Canada
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Family rates are available.
A “Family” is defined as three or more of: parents, or legal
guardians and their unmarried children under age 21 who are visiting
Canada with them and dependant of them.
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Minimum Policy premium is
$25.
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This plan can cover stable
chronic pre-existing conditions up to age 85, as defined in the
Policy. The “Stable Chronic Condition”
Option is automatically included in policy premium for ages up to 70
years (Rates, Table 1). Applicants 70-85 years of age who want to purchase
“Stable Chronic Condition” Option have to answer a few questions in
the Medical Declaration and, if qualified, pay extra cost for it
(Rates, Table 2).
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“Stable Chronic Condition”: |
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a) A condition which is under treatment
and which has been controlled by diet or consistent use of
medication prescribed by a Physician; and |
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- there have been no new symptoms or
change in symptoms; and/or |
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- there has been no hospitalization or
change in treatment, medication or dosage |
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in the 180 days prior to the Effective
date of this Policy. |
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b) A
condition that exists more than 180 days prior to the
Effective date and which did not require continued treatment
as determined by a Physician during the 180 days prior to
the Effective date of this Policy
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INSURED SERVICES
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“Emergency”
treatment provided by a “physician” including .the cost of standard hospital
ward accommodations
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Medical,
hospital or out-patient services
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Private
duty registered nursing or licensed home careproviders and rental of
crutches, hospital bed, splints, trusses, braces or other prosthetic
devices, up to $5,000
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Treatment,
provided by a “health-care practitioner” up to $1,000, provided such
treatment is prescribed by a “physician”
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Diagnostic
treatment including x-rays, ultrasounds, and laboratory tests requested by a
“physician”, up to the Aggregate Policy Limit while hospitalized for a
period of 24 hours or more or up to $1,000 when these “insured services” are
provided on an outpatient basis
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The use of
a licensed ambulance service for “emergency” transportation
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Drugs
or medications prescribed, in writing, for “you” by a “physician” up to
$500.
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In the event of death, up to $5,000 is provided to return your body home, or
up to $1,500 for cremation or burial at the place of death
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The extra
cost via the most cost-effective itinerary of an economy air fare to return
“you” to “your” country of origin including, if medically necessary or
required by the airline, stretcher fare and/or the return economy fare and
reasonable fees and expenses of a medical attendant
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Treatment
to natural teeth and repairs to dentures or other dental devices if such
treatment is necessitated by direct unintended or unexpected blow to “your”
face up to $1,000
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“Emergency”
treatment to natural teeth (excluding fillings) and repairs to dentures or
other dental devices, when such treatment is necessitated by a cause other
than a direct unintended or unexpected blow to “your” face up to a per
insured maximum of $300
This is only a
summary of the benefits. Please
read the
Policy wording before
purchasing the policy for more details on the coverage provided, conditions,
exclusions and how to submit a claim.
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For more information, free consultation and
to purchase a policy please call
Natalia
at
416-493-0101,
416-458-4577
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