Choose Single Trip plan if you’d like insurance for one trip from your province of residence or Canada.
(Coverage commences upon your departure from your province of residence and expires when you return to your province of residence, no matter how many countries you visit during the trip).
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Annual Multi-Trip
Choose Annual Multi-trip plan if you’d like insurance for many trips taken in the next 12 months (Coverage for each separate trip commences immediately upon your departure from your province of residence and expires when you return to your province of residence.
Each trip cannot exceed the maximum days you selected when you purchased your Multi-Trip plan).
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Top-Up
Choose Top-Up if your trip is longer than the number of days covered under your existing policy (Coverage starts on the date after the date when your existing coverage expires).
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Annual Multi-Trip + Top-Up
Choose Annual Multi-trip +Top-Up if you’d like insurance for many trips during 12 months and a Top-Up for one trip which is longer than the number of day per trip allowed under the multi-trip plan.
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Daily Living
Activities of daily living means any of the following: eating, bathing, using the toilet,
changing positions (including getting in and out of a bed or chair), dressing.
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Auto-immune disorder
Auto-immune disorder includes acquired immune deficiency syndrome (AIDS) or human immunodeficiency virus (HIV), Grave’s disease, Lou Gehrig’s disease, myasthenia gravis, sarcoidosis any location, scleroderma, systematic lupus erythematosis.
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Treated
Treated - Any medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a Physician, including monitoring of specific issues following abnormal test
results and/or changes in health condition, prescribed Medications (including Medication prescribed ”as needed”), investigative tests and surgery.
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Treatment
Treatment - Any medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a Physician, including monitoring of specific issues following abnormal test
results and/or changes in health condition, prescribed Medications (including Medication prescribed ”as needed”), investigative tests and surgery.
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MUSCLE, BONE AND JOINT DISORDER
Muscle, bone and joint disorder includes degenerative disc disease (DDD), herniated disc,osteoporosis, osteopenia, sciatica, scoliosis, spinalstenosis, spondylitis / spondylosis, arthritis.
If you’ve been diagnosed with any type of arthritis such as osteoarthritis, rheumatoid arthritis or psoriatic arthritis, choose this condition.
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Change
Change - Means any of the following alteration or deterioration of Your health status:
a) onset of new and/or more frequent Symptoms; or
b) You have received a new diagnosis; or
c) You have been hospitalized, or other than routine, You have sought consultation from a Physician, You have undergone examinations or tests for the purpose of establishing a diagnosis; or
d) Your Treatment has been modified; You have been prescribed a new Medication and/or a Medication has been stopped and/or the dosage and/or the frequency of an existing Medication has increased or decreased.
(Exceptions the routine adjustment of Coumadin, Warfarin or insulin and the change from a brand name Medication to a generic brand Medication of the same dosage).
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Change in treatment
Drug treatment without any change means that the dosage has remained the same and that you have not stopped taking the drug or been prescribed a new medication at any point.