The plan is administered by AwayCare |
TrueNorth Visitors Insurance
Underwritten by
LS-Travel Insurance Company
|
|
Who can apply?
Visitors and travelers to Canada, returning Canadians,
new immigrants who are awaiting Canadian government health
insurance coverage, persons who are in Canada on a work visa, can choose from four plans offered by TrueNorth Visitors Insurance.
 This insurance policy meets all requirements for
Canadian
parent and grandparent super visa if amount of
coverage purchased is $100,000 or greater and
period of coverage is
one year.
Questions?
Please call 1-877-443-0101, 416-493-0101
|
|
What coverage you will get
Under this Emergency Medical Insurance, you are covered for the actual eligible expenses
related to the medical attention you need if a medical Emergency begins unexpectedly
after your policy effective date and when these expenses are not covered by any other benefit plan.
The maximum amount payable is based on the plan you have purchased, as shown in your policy confirmation.
Eligibility
You
are not eligible for coverage under TrueNorth Visitors
insurance policy if on departure date, you:
a. are travelling against the advice of a physician;
b. have been diagnosed with or been given a life expectancy of 6 months or less;
c. have been prescribed and/or used home oxygen within the past 24 months;
d. have been prescribed or recommended the use of dialysis in the last 12 months;
e. are under 15 days old, or are age 89 years or older;
f. reside in a nursing home, home for the aged, other long-term
care facility or rehabilitation center;
g. require assistance with
activities of daily living;
h. are awaiting or received an organ transplant;
i. have ever had any cancer with metastasis (which includes positive lymph nodes),
or undergone chemotherapy (of any form, except cream) in the last 6 months;
j. have been diagnosed with or treated for Congestive Heart Failure.
Amount of coverage
The maximum amount payable is based on the plan you have
purchased. The amount of coverage available: $25,000, $50,000, $100,000, 150,000 or $300,000
Age.
You must be under age 90 on your effective date of
insurance. Min age is 15 days.
Savings
a) Deductible.
Deductible means the portion of eligible expenses you must pay from your
own pocket when a claim occurs. The higher deductible, the less insurance cost.
|
Deductible
Options |
$0 |
$200 |
$500 |
$1,000 |
$2,500 |
$5,000 |
|
Applicable
Savings |
0 |
10% |
15% |
20% |
25% |
35% |
b) Family coverage is available if all family
members are under Age 70, and you have purchased and paid the premium for Family Coverage.
Family Coverage covers you, your Spouse, and children while travelling together
and named on the Confirmation. Children must be at least 15 days of Age to be insured under this policy.
Family coverage rates are 2x the premium rate of the
oldest traveler..
Waiting period
Any sickness that manifests
itself during "waiting period" is not covered.
Waiting period
means the 48-hour period following and including your policy effective date of insurance if
you purchase your policy:
after the Expiry date of an existing TrueNorth Visitors to Canada policy; or
after You leave Home country.
The Waiting Period will be waived if you purchased this policy prior to the Expiry date
of an existing TrueNorth Visitors to Canada policy already issued, to take effect on the day
following such Expiry date, provided that there is no increase in the coverage amount or
change in the Plan you select.
There is No waiting period for injuries.
When coverage is purchased prior to leaving Home with an Effective date equal to the date
and time you are scheduled to arrive in Canada, coverage will also be provided with no
additional premium during your uninterrupted flight directly to Canada.
An uninterrupted flight can include a stop-over provided you do not leave the airport.
Insurance coverage for side-trips outside Canada
This plan provides
coverage throughout Canada.
This insurance provides coverage while travelling outside Canada (excluding Your Home country),
as long as each Side-Trip originates and terminates in Canada and does not
exceed 51% of the period of coverage spent in Canada.
During your coverage period, if you take a Side-Trip outside of Canada that is longer
than that permitted in this policy, your Visitors to Canada coverage will be suspended
for the remainder of your side-Trip but your coverage will not be terminated.
When you return to Canada, your coverage will resume.
Extending your trip.
If your coverage period, as shown in your Policy Confirmation, is less than 365 days, you may extend
your coverage up to a total coverage period of 365 days.
If you have had no change in your health status
and have had no event that has resulted or may result in a claim against the policy since
the Effective date of insurance, the extension may be issued upon request and your payment of the required premium.
Otherwise, the extension is subject to the approval of the Company. In order to avoid the waiting period,
purchase your extension of coverage before the Expiry date of your existing TrueNorth Visitors to Canada policy.
Automatic extension of your coverage is
provided beyond the date you were scheduled
t o return home as per your confirmation if:
Your Common Carrier is delayed and prevents you from travelling on your Expiry date.
In this case, your coverage is extended for up to 72 hours;
You or your Travel Companion are Hospitalized on Your Expiry date.
In this case, your coverage will be extended during the Hospitalization
up to a maximum of 365 days or until you are Stable for discharge
from the Hospital or for evacuation Home, whichever is earlier,
and for up to 72 hours after discharge from the Hospital;
You or your Travel Companion have a medical condition that does not
require Hospitalization but prevents travel on your Expiry date,
as confirmed by a Physician. In this case, your coverage will be extended for up to 5 days.
Refunds
Full Refund is available within "10 Day Right to Examine"
period
after you received your policy.
Partial refund:
a)
If your request for a refund is received more than 10 days after the date
of purchase but before the Effective date of
your insurance, a refund less a $100 fee.
b) If you obtain Canadian provincial or territorial government coverage,
or return Home before the the policy
expiry date and have not reported or initiated a claim or been provided with any assistance services,
a partial refund of the premium for the unused days is available less a $50
fee for the Standard and Enhanced Plan and a $25 fee for the Gold and Platinum Plan.
You will need to provide proof of the date
you actually returned Home or the Effective
date of Your Canadian government health insurance plan coverage.
Super Visa
Insurance Policy (refund)
If You are cancelling your policy, that was identified as
a super visa policy, because your application for a Parent
&Grandparent
Super Visa was refused or rescinded, you must provide proof of visa refusal
or proof of rescinded application with your request for a refund,
which will be subject to a $100 fee.
You are not eligible for refund should
you wish to cancel for any other reason not listed above on a super visa plan
If you hold a Parent and Grandparent Super Visa and have purchased 365 days of coverage,
and are requesting a partial refund due to your early return to your Home,
and no claim has been reported, paid or denied, unused premiums may be refunded less
administration fee
when you have provided proof of return to your Home
country.
If you have reported a claim or have a claim for which the payment has not been issued,
or the total amount of the claim expenses will not exceed the deductible amount,
you may apply to have such claim withdrawn. If approved, an
administration fee will be deducted from any amount to be refunded.
No refunds are
available, if you have submitted a claim that has been denied or paid.
Summary of Benefits
Plans
|
Standard
|
Enhanced |
Gold |
Platinum |
|
Coverage Limit |
$25,000 $50,000 $100,000 $150,000 |
$25,000 $50,000 $100,000 $150,000 |
$50,000 $100,000 $150,000 $300,000 |
$50,000 $100,000 $150,000 $300,000 |
|
Benefit |
Benefit Limits
(per person, per policy) |
|
Emergency medical expenses
(for all plans)
a) Medical care received from a Physician in or out of Hospital;
b) The cost of a Hospital room (semi-private room when available or
an intensive care unit when medically necessary);
c) The services of a licensed private duty nurse in Hospital;
d) The rental or purchase (whichever is less) of a Hospital bed,
wheelchair, brace, crutch or other medical appliance;
e) Tests needed to diagnose or find out more about Your
condition. |
Covered |
Covered |
Covered |
Covered |
|
Prescription drugs
(out-patient)
This benefit is limited to a 30-day supply and to the maximum amount
|
$500 |
$500 |
$750 |
$1,000 |
|
Follow-up Visits
Are covered up to the this benefit limit provided they are directly related to the medical Emergency
|
$500 |
$1,000 |
$1,500 |
$3,000 |
|
Paramedical services
Services of a licensed chiropractor, osteopath, chiropodist, physiotherapist
or podiatrist for a covered Injury.
This benefit is limited per Emergency.
|
$200 |
$400 |
$400 |
$600 |
|
Ambulance transportation
Reasonable and customary charges for local licensed ground ambulance service
to transport You to the nearest appropriate medical service provider in an Emergency. |
Covered |
Covered |
Covered |
Covered |
|
Emergency dental treatment
Relief of
dental pain, excluding crowns & root canals
If you suffer from an accidental
blow to the mouth, to repair or replace
your natural or permanently attached artificial teeth.
|
$200
$1,500 |
$400
$2,000 |
$400
$2,500 |
$500
$3,000 |
|
Expenses related to death
Preparation of remains and the cost of the standard
transportation container, plus the return Home of remains or ashes
Cremation or burial at the place of death
Identification of Remains - the
return economy class airfare via the most cost-effective itinerary
and expenses for
hotel and meal.
|
$5,000
$3,000
$100/day
up to $500 |
$7,500
$4,000
$100/day
up to $750 |
$10,000
$4,000
$150/day
up to $1500
|
$12,000
$5,000
$200/day
up to $2000 |
|
Additional expenses for meals and hotel
If a medical emergency
prevents you or your travel companion from returning
home as originally planned, the insurer will reimburse you
for expenses for your extra hotel, meals, essential
calls and taxi fares. |
$500 |
$750 |
$1,000 |
$1,500 |
|
Bedside companion
If you are travelling alone and are
admitted to a hospital for 5 days or more because of a
medical emergency, the insurer pays for the return
economy class airfare via the most cost-effective
itinerary for someone to be with you.
|
$2,500 |
$3,000 |
$3,000 |
$5,000 |
|
Hospital allowance
If You are Hospitalized for more than 72 hours, the insurer
will reimburse You up to the benefits outlined below for out-of-pocket
expenses such as telephone and television charges incurred by you when
Hospitalized. Expenses must be supported by original receipts. |
$50/day
up to $500 |
$75/day
up to $750 |
$100/day
up to $1,000 |
$100/day
up to $1,000 |
|
Childcare expenses
If You are admitted to a Hospital, the insurer will cover the
expenses for an attendant to provide childcare services
. |
$50/day
up to $500 |
$75/day
up to $750 |
$75/day
up to $750 |
$100/day
up to $1,000 |
|
Emergency medical return home (for all
plans)
the extra cost of an economy class
fare via the most cost-effective itinerary;
a stretcher fare on a commercial
flight via the most cost-effective itinerary, if a
stretcher is medically necessary;
the return economy class fare of a
qualified medical attendant via the most cost-effective
itinerary to accompany you, and the attendants reasonable
fees and expenses, if this is medically necessary or
required by the airline; or
the cost of
air ambulance transportation, if it is medically
necessary.
|
|
Return of Children (for
all plans)
If you are admitted to hospital for
more than 24 hours or must return home because of an
emergency, Manulife will pay for the extra cost of the
childrens economy class airfare home and the return
economy class airfare for a qualified escort when the
airline requires it. The children must have been under
your care during your trip and covered under this
policy.
|
|
Trip Break
If you have requested and received
prior approval from our Assistance Centre, you may
return home without terminating your coverage. Your
coverage will be suspended but will not terminate after
you leave Canada and while you are home. Your suspension
of coverage will end and your coverage will be
reinstated when you arrive in Canada. There will be no
refund of premium for any of the days during your return
home.
|
|
Flight Accident (AD&D) /
24-Hour Accident (AD&D) |
Not Included |
Not Included |
$50,000 /
$50,000 |
$50,000 /
$50,000 |
Exclusions and limitations. Visitors to Canada
medical insurance does not cover everything.
This insurance has exclusions, conditions and
limitations.
Pre-Existing Medical
Condition Exclusion
If the Pre-Existing
coverage was purchased, the insurer will not pay any expenses or benefits relating to
any pre-existing conditions and/or symptoms unless the pre-existing condition meets the following guidelines:
a) Standard and Enhanced Plans
i) For 0-74 years of age: a standard stability period is
180
days with option of a 90-day
stability period at additional cost.
ii) For 75+ years of age: a standard stability
is 365 days with options of a 180-day
and a 90-day stability period at additional cost.
b) Gold and Platinum Plans
i) For 0-74 years of age: a standard stability period is
180 days with options of a 90-day and a
30-day stability period at additional cost.
ii) For 75+ years of age: a standard stability period is
365 days with options of a 180-day, a 90-day and a
30-day stability period at additional cost.
NOTE:
dates are based from the departure from Your home Country.
STABLE describes any Medical condition or related condition for which:
a) there has been no new Treatment; and
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; and
f) there has been no referral to a specialist (made or recommended) and
You are not awaiting the results of further investigations performed by any medical professional.
The following are considered STABLE:
Routine (not prescribed by a Physician) adjustment of insulin to control diabetes
provided the insulin was not first prescribed during the time period
specified in the pre-existing conditions exclusion as shown on Your Confirmation.
Change from a brand name medication to a generic medication provided the medication was
not first prescribed during the time period specified in the pre-existing conditions
exclusion as shown on Your Confirmation and there is no increase or decrease in dosage.
The routine adjustment of Coumadin or Warfarin provided the Coumadin or
Warfarin was not first prescribed during the time period specified
in the pre-existing conditions exclusion as shown on Your Confirmation.
A minor ailment
Other Exclusions
Covered expenses that exceed 70% of those normally paid under this insurance,
if you do not contact the Assistance Centre within 24 hours of Hospitalization,
unless your Medical condition makes it medically impossible for
you to call (in that case, the 30% co-insurance does not apply).
Any Treatment that is not for an Emergency, including any
elective or cosmetic surgery or Treatment.
Continued Treatment of a Medical condition when You have already received Emergency
Treatment for that condition during Your Trip, if Our medical advisors determine
that the medical Emergency has ended.
Magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms,
ultrasounds or biopsies, cardiac catheterization, angioplasty and/or cardiovascular surgery
including any associated diagnostic test(s) or charges unless approved in advance by
the Assistance Centre prior to being performed. All surgery must be authorized by ACM
prior to being performed except in extreme circumstances where surgery is
performed on an Emergency basis immediately upon admission to Hospital.
A medical condition:
- when You knew, before you left Home, or before the Effective date of coverage, that
you would need or be required to seek Treatment for that Medical condition during
your Trip; and/or
- for which it was reasonable to expect before
you left Home or before Your Effective date of coverage, that
you would need Treatment during your Trip; and/or
- for which future investigation or Treatment was planned before You left Home; and/or
- which produced symptoms that would have caused an ordinarily prudent
person to seek Treatment in the 3 months before leaving Home; and/or
- that had caused Your Physician to advise You not to travel.
Any Emergency and non-Emergency medical services for any Injury that occurred
or Sickness that started or was treated during any Trip break (Eligible expense #15)
that You have taken or after the number of days permitted for Your side-Trip outside of Canada.
An Emergency resulting from mountain climbing requiring the use of specialized equipment,
including carabiners, crampons, pick axes, anchors, bolts and lead-rope or top-rope
anchoring equipment to ascend or descend a mountain; rock-climbing; parachuting, skydiving,
hang-gliding or using any other air-supported sporting device; skiing or snowboarding out
of bounds, heli-skiing, ski jumping; participating in a motorized speed contest; white water
rafting (except grades 1 to 4), street luge, skeleton activity, rodeo activity; or
Your professional participation in a sport when that sport, snorkeling or scuba-diving
is Your principal paid occupation; or snorkeling or scuba-diving (unless certified by an
internationally recognized and accepted program such as NAUI or PADI and diving depth does not exceed 30 meters).
Any loss Injury or death incurred due to:
a) Your emotional or mental disorders resulting from any cause, including but not limited to anxiety or depression; or
b) Your suicide or attempted suicide; or
c) Your intentionally self-inflicted Injury.
Committing or attempting to commit a criminal or illegal act by You, a family member or travelling companion Your or beneficiary.
Not following a recommended or prescribed therapy or Treatment.
Any loss, Injury or death related to
intoxication, the misuse, abuse,
overdose, or chemical dependence on
medication, drugs, alcohol or other
intoxicant.
Your routine prenatal care; pregnancy or childbirth or complications thereof
when they happen in the 9 weeks before or after the expected date of delivery; Your Child born during Your Trip.
For insured Children under 2 years of Age, any Medical condition related to a birth defect.
Any benefit that must be authorized or arranged in advance by the Assistance
Centre when it has given no authorization or made no arrangement for that benefit.
Any Emergency that occurs or recurs after Our medical advisors recommend
that You return Home following Your Emergency Treatment, and You choose not to.
Any death or Injury sustained while piloting an aircraft, learning to
pilot an aircraft or acting as a member of an aircraft crew.
For consecutive policies and policy extensions: any Medical condition which first
appeared was diagnosed or for which You received medical Treatment, after the
scheduled Departure Date and prior to the effective date of the subsequent policy or insurance extension.
Any follow-up visits outside Canada when the Emergency occurred in Canada.
Any Medical condition You contract or suffer in a specific country, region,
or city when a Government of Canada Travel Advisory, issued before Your departure to
that country, region, or city advises Canadians to avoid all or non-essential travel
to that specific country, region or city. In this exclusion, medical condition
is limited, related or due to the reason for the travel advisory.
Any Act of War or Act of Terrorism.
Your participation in armed forces activities.
Please refer to the
policy wording for a full list of exclusions and limitations.
Note: The product-related
information is for illustration purpose only. Please
refer to the
Policy Wording for details on the coverage provided,
conditions, exclusions and claim procedure.
 |
If
you have questions, or need help
to complete the application, or want to buy insurance over the
phone, please call at 416-493-0101
(or
1-877-443-0101) or
click here to ask
your question online.
What
to do if you need medical attention
Have your
policy confirmation with you at all times. In the event of
sickness or injury which may result in claim, you or somebody else MUST CALL THE
ASSISTANCE CENTRE IMMEDIATELY at the telephone numbers shown on
your policy confirmation. When contacting the Assistance Centre, please
provide your name, your policy number, your location and the
nature of your emergency.
IN THE EVENT OF AN EMERGENCY, YOU MUST CALL
THE ASSISTANCE CENTRE IMMEDIATELY:
1-833-268-0551 toll free from Canada or the U.S.,
or 1-514-657-8654 collect
from anywhere else.
Call within 24 hours of Hospitalization. If You do not contact the Assistance Centre
before receiving medical Treatment, you will have to pay 30% of the medical expenses We would normally
pay under this insurance. If it is medically impossible for you to call when the emergency happens,
the 30% co-insurance will not apply. Please call as soon as you can or have someone call on your behalf.
The Assistance Centre will verify and explain your coverage to you;
refer you to a medical provider; arrange to have your covered expenses
billed directly to the company where possible; and monitor your medical condition.
To apply for benefits under this policy, you
will need to send a completed claim form (with all original
bills attached) to the Assistance Centre. Consult the claim guideline in your
Policy Wording (pg.
6, 13, 15).
|
|
↑
Back to Top
|
