This Plan increased the rate by 3% since Deb 28,2013

Summary for 21 Century Visitors to Canada Insurance

ELIGIBILITY
You are not eligible for coverage under this policy if:
a physician has advised you not to travel;
you have been diagnosed with a terminal illness with less than two years to live;
you have a kidney condition requiring dialysis; and/or
you have used home oxygen during the 12 months prior to the date of application.
 

Features

AGE AND PERIOD LIMITS
Coverage is available under a policy for 365 days in total for ages up to 85. For those age 86 and older, coverage can be purchased to insure up to the first 180 days following the date of arrival in Canada.

DEDUCTIBLES

The policy has $50.00 deductible per policy period. For age 86 or greater - $500 deductible per period. $0 and $250 deductible options are also available for visitors up to age 85. Applicants who select the “disappearing deductible” option receive a premium discount of 30% when $25,000 coverage is purchased or 25% discount if $50,000 of benefit is selected.

WAITING PERIOD for sickness or disease
No waiting period if the insurance is purchased prior to your arrival in Canada or the policy has been extended.
- 72 hours if the policy is purchased within 30 days of your arrival in Canada.
- 7 days if the policy is purchased after 30 days of your arrival in Canada.
- 15 days if you are age 86 or older and if you purchased your policy after the arrival date.
If you have coverage with another insurance company during the first part of your trip, and you are purchasing this insurance after your arrival date and there will be no gap in your coverage, you may request to have the waiting period waived. You must provide proof satisfactory to the Company that you have other coverage in force prior to purchasing this policy and receive written approval from the Company.

PRE-EXISTING CONDITIONS
Any sickness, disease or injury for which medication has been taken, received or prescribed, and/or treatment has been received in the 180-day period preceding the "Effective Date" of your coverage.

Note: Each time you extend or purchase another policy from the insurance company because you are staying in Canada longer, each new policy will have a new effective date and you will NOT be covered under the new policy for any sickness, disease, symptom or injury which had manifested itself in the 180-day period immediately preceding the new effective date.

"Stable Chronic Condition" means:
A condition which is under treatment and which has been controlled by consistent use of medication prescribed by a physician, and there have been no new symptoms or change in symptoms; and/or there has been no hospitalization or change in treatment, medication or dosage in the 180 days prior to the effective date of this policy.
If your physician has determined that your health condition has improved and changes, your treatment, medication or dosage due to your improved health condition, this does not constitute a change.
A condition that existed 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.
Stable Chronic Condition option is automatically included for visitors under age 60. Applicants age 60 to 85 who wish to purchase this option must complete the medical declaration on the application to determine eligibility for coverage.

PREGNANCY                                                              L

imited coverage is provided for complications that happen outside of the 9 week period before and the 9 week period after the expected delivery date IF the pregnancy commences AFTER the effective date of the policy.

OTHER EXCLUSIONS
Intentional self-injury, suicide or attempted suicide while sane or insane.
Sickness, disease or bodily injury in any way arising from or contributed to by the misuse of drugs or alcohol.
An emergency resulting from: hang-gliding, rock-climbing, mountaineering, parachuting or skydiving; participating in a motorized speed contest; or your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving, is your principal paid occupation.
The provision of "Insured Services" to children 30 days of Age or younger.
War, invasion, terrorist acts.
"Your" obtaining medical or healthcare assessment or any form of report or document for the purposes of supporting an application to obtain immigrant status in Canada.
Mental and emotional disorder (other than acute psychosis) that does not require admission to a hospital.
General health examinations, medical and health services, including prescription drugs or medicines, provided to monitor or maintain a "Stable Chronic Condition".
Costs incurred in your country of origin are excluded.

BENEFITS
Maximum Benefits: $10,000; $15,000; $25,000; $50,000, $100,000 and $150,000
 Hospital and medical expenses - Up to the amount of insurance purchased for emergency hospitalization (ward accommodation) or out-patient services.
Physician and Private duty registered nursing or licensed home care providers.              

Medical Appliances - rental of crutches, hospital bed, splints, trusses, braces or other prosthetic devices, up to a maximum of $5,000.
Professional Medical Services referred by a physician - treatment provided by a licensed chiropodist, chiropractor, osteopath, physiotherapist, podiatrist or acupuncturist up to a maximum of $1,000 per insured.
Diagnostic Treatment including X-rays, ultrasounds, and laboratory tests requested by a physician up to the policy limit while hospitalized for a period of 24 hours or more or up to a maximum of $1,000 when these services are provided on an outpatient basis.
Ambulance Transportation.
Prescription drugs or medicines up to $500 per insured maximum.
Funeral Expenses: In the event of death, up to $5,000 for preparing and transportation of the body to the country of origin or up to $5000 for cremation and/or burial in Canada or USA.
Emergency Transportation: The cost up to the policy limit for one-way economy airfare or stretcher to transport you to your country of origin, and a medical attendant if required.
Accidental Dental: Up to $1,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
Dental Emergencies:                                                                                                                                                                                     Up to $300 (per 12 months) for the immediate relief of acute dental pain, other than provided under Accidental Dental.
Accidental Death and Dismemberment – up to $10,000 (in excess of the aggregate policy limit)

CLAIMS
To make a claim, you will need to complete a claim form and attach the original medical bills, receipts and invoices (always make a copy for your record), your medical and/or hospital record (diagnosis, X-ray, lab tests confirming that the treatment was medically necessary), copy of police report (in case of a Motor Vehicle Accident) and mail it to:
21st Century Visitors Claims
c/o Manulife Financial
P.O. Box 4262, Stn A
Toronto, ON, M5W 5T4

Claim Assistance: In the event of claim or in the event of circumstances likely to result in a claim, please call the Claims Assistance Centre at: 1-866-228-6386 (toll-free within North America) from 8:30 AM to 8:00 PM Eastern Standard Time.

Certain conditions, limitation and exclusions may apply.

The language in this summary may not be the same as the legal and technical terminology found in the official policy wording. In all instances, the official policy wording will prevail. For complete details, refer to the policy wording which is available upon request.