Group Medical Services
Immigrants and Visitors to Canada Insurance
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You can get
a quote, purchase and get your instant policy online directly
from the insurance company
Group Medical Services: please, click the link below and
follow the instructions.
Before
purchasing the contract please read the
policy wording
for information on the coverage provided, exclusions and
conditions. Please
Contact us
, if you need assistance.
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Important Notice
regarding claim procedure !
You, or
someone on your behalf, must contact GMS assistance centre prior
to treatment whenever possible. Failure to contact GMS
assistance centre within twenty-four (24) hours of receiving
medical treatment or admission to hospital will limit benefits
otherwise payable to 70% of eligible charges to a maximum of the
sum insured.
You can find GMS Assistance Centre phone numbers in the policy
wording and your confirmation of
coverage.
Consult the claim guideline in your
Policy wording.
Who can apply? You are
eligible to purchase this insurance if you are an immigrant or
visitor to Canada who is not covered under a provincial or
territorial government plan.
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What
coverage will you get
Eligibility.
You are eligible for this policy if you are under 80 years of
age.
If you are 55 years of age and over, you have to answer a number
of medical questions to determine your eligibility for this
coverage.
You are not eligible to purchase this plan if any of the
following apply to you:
a) You have had a medical consultation with a physician since
you arrived in Canada;
b)
You have been in Canada for more than thirty (30) days at the
time of application;
c)
You have reason to seek medical attention when you apply.
If you are
55 years or older, you will have to answer a number of medical
questions in the application to determine your eligibility for
the policy.
Amount of coverage:
Choose coverage of: $25,000, $50,000, $100,000, or $150,000 per
person.
Deductibles.
Choose
deductible to lower premiums. Option for $0, $100, $500, or
$1000 deductible.
Waiting period.
No waiting period if you apply for coverage before your
arrival in Canada. There is a 48 hour wait period if you apply
within 30 days of your arrival in Canada.
Period of coverage. The
maximum number of days coverage may be purchased for is three
hundred sixty-five (365) days per trip.
Travel worldwide. Coverage
is not applicable in your country of origin. Travel to the
U.S.A. or Mexico during the period of coverage is valid as long
as the majority (50% or greater) of the period of coverage is
spent in Canada. Travel to the U.S.A. or Mexico does not apply
to residents of the U.S.A. returning to the U.S.A. or to Mexican
residents returning to Mexico.
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Immigrants & Visitors to Canada Benefits
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Benefit |
Detail |
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Hospitalization |
Hospital accommodations up to semi-private rooms and
hospital services and supplies necessary for emergency
care during hospitalization.
Emergency means a sudden or urgent happening that arose
during your trip and requires immediate medical
treatment. |
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Medical Services |
Treatment by physician or surgeon. |
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Diagnostic Services |
X-rays and other diagnostic tests. |
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Out-Patient Treatment |
Out-patient emergency room charges. |
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Prescription Drugs |
Prescription drugs and medication prescribed by a
physician. Maximum of a thirty (30) day prescription. |
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Road Ambulance |
Covers 100% of emergency transport to a hospital.
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Paramedical Services |
Up
to $300 for the emergency services of an osteopath,
physiotherapist, chiropractor, chiropodist, and/or
podiatrist. |
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Accidental Dental |
Up
to $2,000 per injury and up to $250 for the relief of
dental pain. |
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Return of Remains |
Preparation and transportation to your country of
origin, destination in Canada, or the cost of cremation
or burial at the place of death. |
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Child Care |
If
you are hospitalized, up to $500 for licensed child
care for a dependant that is traveling with you. |
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Coverage Continuation |
If
coverage expires while hospitalized, coverage will
continue for all covered persons up until 72 hours after
discharge from the hospital. |
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Out of Pocket Expenses |
Accommodations, meals, phone calls and taxi or bus fares
incurred by an accompanying family member in the event
hospitalization continues after the policy expiry date. |
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24-Hour Travel Assistance Services |
Coordination of all medical care, transportation, and
repatriation; telephone interpretation services in most
languages; monitoring of progress during treatment and
recovery by managed care. |
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Travel Benefits Outside of Canada |
When
eligible expenses are incurred outside of Canada,
eligible expenses include all Benefits above and:
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Air Ambulance - charges to transport you back to
your province of residence for further in-hospital
treatment.
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Special Attendant - reimbursement of a one-way trip
economy airfare ticket for a medical attendant to
accompany you back to your province of residence or
country of origin for further in-hospital treatment.
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Escort of Insured Children - reimbursement of the
cost of a one-way trip economy airfare to return an
accompanying child or children and escort, when
necessary, back to your original point of departure.
These benefits must have the prior approval of GMS. |
This is a
summary of the benefits. Please
read the Policy wording before purchasing the policy for
more details on the coverage provided, conditions, exclusions
and claim procedure.
Exclusions and limitations.
Visitors to Canada medical insurance does not cover everything.
This insurance has exclusions, conditions and limitations (see
Policy Wording, pg 3).
Please read them and understand the policy
before you buy this insurance.
A
Pre-Existing
Medical Condition
exclusion may
apply to a medical condition
and/or symptoms that existed prior to your
trip. Refer to the policy wording to see how this applies in your policy and
how it relates to your departure date, date of purchase or
effective
date of insurance. If you need assistance,
please
Contact us .
Minimum
Premium per policy is $20 CAD
How
to get quote and buy this insurance policy online
1. Click the
link <Get your quote and buy online> and you will be redirected
to the Group Medical Services secured website.
2. Enter
personal information for each applicant. Make sure that e-mail
address you entered in the application is correct: a
confirmation of coverage will be sent to this e-mail address.
3. You will
be asked to self identify as seeking coverage as an Immigrant to
Canada or Visitor to Canada. Choose the category that best
applies to you.
4. Eligibility
requirements:
you must review and warrant
that none of the conditions apply to you.
5.
Enter your travel schedule, choose deductible and sum insured.
6. When the application is
completed, the summary page appears presenting the following
information:
• List of
applicants covered by the plan;
• Plan
details: chosen Plan and Options, total premium owing and
effective dates of coverage.
7. Read and confirm
Declaration
8. Save the Policy Wording:
This document includes all of the information you will need to
use and understand your insurance plan
9. Credit Card Payment: Visa
or MasterCard are the two forms of credit card payment GMS
accepts.
10. Email Confirmation : A
confirmation email and the policy wording will be sent to the email addresses
shown in the
application, immediately after the entire application process is
complete.
The policy is now active as of the effective date.
Email
confirmation
and
the Policy
wording
make up your insurance contract. You can print out this
policy wording (just click the link) or request a paper copy
of the Policy wording sending e-mail with your address to
natalia@tninsurance.ca
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If
you have questions, need help to complete the online
application or want to purchase the policy over-the phone, please call
Natalia at
416-493-0101 (or 1-877-443-0101) or
click here to send
your question.
For
the questions regarding your existing policy, to make changes to your
coverage, extend your coverage, please call Group Medical Services Customer
Care at 1-800-667-3699
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