COVERAGE WILL YOU HAVE ?
Who is eligible for this insurance?
To be eligible for this medial
insurance a person must:
a) be a student; or
be a dependent child
or the spouse of an eligible student;
as of the effective date, be
less than 60 years of age;
not be insured or eligible for
benefits under a Canadian
government health insurance plan;
be in good health at
the time you purchase your policy
and on the date you exit your country of
origin, and know of no
reason to seek medical consultation during
the period of coverage.
Coverage for losses resulting from any sickness will
begin 48 hours after the effective date if you
purchase your policy:
a) after your arrival date in Canada; or
b) after the expiry date of an existing
Allianz Global Assistance policy.
Any sickness that manifests itself during the
48-hour waiting period is not covered even if
related expenses are incurred after the 48-hour
Traveling outside Canada.
The policy pays for eligible costs incurred,
up to the sum insured, while you are traveling
outside of Canada, other than your country of
origin, provided the majority of the
period of coverage is spent within Canada. Trips to the
United States are limited to 30 days.
are payable when:
1. The student fails to meet visa entry eligibility
2. The insured person permanently returns to his/her
country of origin, 30 days or more prior to the
expiry date of coverage.
3. The insured person becomes covered under a
provincial or territorial health/medical plan.
refunds are available, if claim has been or will be
To stay longer than
If you decide to
extend your trip, you may apply for a
new period of coverage provide you meet
the Eligibility requirements of the new
If you have incurred a claim, the
company will review your file before
deciding on granting an extension. Each
policy or term of coverage is considered
a separate contract.
Summary of benefits
Sum Insured $2 million
Includes coverage outside of province/Canada
• Additional follow-up
visits related to the emergency
• Diagnostics/lab tests and x-ray
• Up to an aggregated
limit of $10,000, for
Licensed local land or sea ambulance to
the nearest hospital
- Private duty services of a registered
Rental of medical equipment or appliances
Blood and blood plasma, except when donated
• Professional Services $600 per
practitioner/year include: legally licensed
physiotherapist, chiropractor, podiatrist/chiropodist,
services provided by a hospital
Drugs or Medications up to a
Treatment or services to whole or sound
natural teeth which are damaged as a result
of an accidental blow to the face – up to
Extraction of impacted wisdom teeth, up to
$100 per tooth for necessary dental and/or
oral surgical procedures.
Treatment for the immediate relief of acute
dental pain caused by other than a blow to
the face, up to $600
1 visit to optometrist (when a minimum of 12
months consecutive coverage has been
to a maximum of $250 (when a minimum of 12
months consecutive coverage has been
EMERGENCY AIR TRANSPORTATION / RETURN HOME
to overall maximum
RETURN OF DECESED
$15,000 for return of deceased and up to
$5,000 for cremation at place of death.
TRANSPORTATION OF FAMILY MEMBER OR FRIEND
Up to $1,000, for
pre-natal care, miscarriage, or related
No benefits will be payable for expenses
incurred for childbirth.
The expected delivery
date must be more than 10 months after the
effective date of the initial policy
a) pre-natal care,
childbirth or miscarriage, or related
routine new-born nursing care
up to 14 days following birth.
expected delivery date must be more than 10
months after the effective date of the
initial policy purchased.
Option benefit limits will only payable if
the Enhanced Option was in effect when you
became pregnant and has remained in effect
since that time.
PSYCHOLOGIST AND PSYCHIATRIC CAR
Available with Enhanced plan only
• inpatient up to $10,000
• outpatient psychological consultation, up
to a maximum of $1,000 in any 12 consecutive month
period with no lapse of
Reimbursement $20 per hour up to $500 for
the cost of private tutorial services if you
are hospitalized or confined to your home
for 30 days or more
ACCIDENTAL DEATH & DISMEMBERMENT
The insurer agrees to pay up to the sum
insured of $15,000,
for loss of life, limb or sight resulting
directly from accidental injury occurring
during the period of coverage, except while
boarding, riding or alighting from an
See the policy document for the schedule of
Exclusions and Limitations.
Student medical insurance does not cover everything. This
insurance has exclusions, conditions and limitations.
Please read them and understand the policy before you buy this insurance.
exclusion may apply to a medical condition and/or symptoms that existed
prior to your trip.
STANDARD PLAN does not cover any
pre-existing medical condition.
emergency medical expenses relating to the condition
that has been
STABLE in the 90
days immediately before the effective date
of the policy.
medical condition or related condition, including any
heart condition or
lung condition, for which:
a) there has been
no new treatment;
b) there has been
no change in treatment
or change in treatment frequency or type; and
c) there have
been no signs or symptoms
or new diagnosis; and
d) there have been no test results
showing deterioration; and
e) there has been no hospitalization;
f) there has been
no referral to a specialist (made or recommended) and
you are not awaiting surgery or the
results of further investigations performed by any
The following are considered
a) Routine (not prescribed by a
adjustment of insulin to control diabetes provided the
insulin was not first prescribed during the stability period.
b) Change from a
brand name medication to a generic medication provided
the medication was not first prescribed during the
and there is no
increase or decrease in dosage.
c) A minor ailment, which describes
a sickness or
injury during the stability period
which ended prior to the
effective date and which did
i. treatment for a period longer than 15
consecutive days; or
ii. more than one
follow-up visit to a
iii. hospitalization, surgery, or
referral to a specialist.
Some other exclusions:
Traveling against the advice of a physician or
any loss resulting from a sickness or medical
condition that was diagnosed by a physician as
terminal prior to the effective date of this
• Injury resulting from training for or participating in: speed
contests usually and customarily in excess of 60 km per hour;
motor sport contests; stunt activities, exhibitions or
demonstrations of any kind; professional sport activities; or
Medical consultation that is
non-emergency, on-going, elective or the consequence of prior
• health examination for check-up purpose,
treatment of on-going condition, regular care of a chronic
condition, home health care, investigative testing, and
• Any treatment, investigation or
hospitalization which is continuation of, or subsequent to
emergency treatment of a sickness or injury, unless approved in
advance by Allianz Global Assistance.
Policy Wording for the complete list of
exclusions (pg 5-7).
NOTE: The product
related information is for illustration purpose only.
Please refer to the
for details on the coverage
provided, conditions, exclusion and claim procedure.
to do if you get sick or injured.
Have your policy confirmation with you at all times. In the
event of sickness or injury which may result in claim,
contact Allianz Global Assistance
at the telephone numbers shown on
your policy confirmation and the
Emergency Assistance, please provide your name, your policy number,
your location and the nature of your emergency.
You must notify Alliance Global Assistance within 24 hours of
admission to a hospital and before any medical
consultation or surgery is performed.
Failure to do so without reasonable cause,
will reduce the benefits payable to you under
this policy by 20%.
To apply for benefits under this policy, you
will need to send a completed claim form (with all original
bills attached) to
Allianz Global Assistance.
Consult the claim guideline in your