Why Buy Insurance

We don’t like to think about it, but sudden, unexpected accidents or illnesses do happen, and trying to nd and pay for adequate medical attention can be dicult when you are abroad.

Health care costs around the world can be very expensive. Hospitals can charge thousands of dollars per day. Your health plan may or may not cover a

minute portion of these cost. Without adequate insurance coverage you could be responsible from dollar one, which could create a massive impact on

your personal nances. Why take the risk?

Note: Insurance is administered by JF Insurance Agency Group Inc. Travel assistance and claims services are provided by Ontime Care Worldwide Inc. and World Travel Protection Insurance is underwritten by Berkley Canada

Eligibility
 

1. To be eligible for coverage under this plan, the applicant must:
2. be a visitor to Canada, a person with a Canadian work visa or super visa, an immigrant to Canada or a Canadian resident, who is not eligible for a provincial or territorial government health insurance plan in Canada;
3. not have been in Canada for more than 2 consecutive years prior to the
4. be at least 15 days of age on the date of purchase;
5. not be travelling against the medical advice of a physician and/or have been diagnosed with a terminal illness. A terminal illness means that you have a medical condition that is cause for a physician to estimate that you have less than 6 months to live or for which palliative care has been received.
6. not have a kidney disease requiring dialysis;
7. not have Congestive Heart Failure, AIDS or require the use of home oxygen;
8. not be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention.

Note: Your spouse and/or child(ren) must also meet all the criteria to be eligible for family coverage under this plan.

Medical Benefits Highlights

Hospital Accommodation
•Reasonable and customary cost for inpatient and outpatient treatment

Physician Charges

•Medical treatment by a physician

Diagnostic Services

•Reasonable and customary cost for x-rays and laboratory tests

Private Duty Nursing during Hospitalization

•Up to the sum insured

Ambulance Services

•When reasonable and medically necessary, licensed ground ambulance

service to the nearest hospital

Prescription Drugs

•Up to $500, limited to a 30-day supply per prescription unless you are

hospitalized

Medical Appliances

•Cast, splints, trusses, braces, crutches, rental of a wheelchair or other

minor medical appliances

Paramedical Services

•Chiropodist, chiropractor, osteopath, physiotherapist or podiatrist,

up to $500 per type of practitioner provided such treatment is prescribed

by a physicianand approved by Ontime Care

Acupuncture

•Up to $500 with a 365-day policy

Treatment of Dental Accident

•Up to $3,000

Emergency Relief of Dental Pain

•Up to $500

Flight Accident

•Up to sum insured

Repatriation

•When approved in advance by World Travel Protection Inc.

Preparation and Return of Remains

•Up to $10,000

承保内容

理赔

在去医院急诊前，请打电话要求一个理赔号以方便理赔，1-888-988-3268 或 905-707-9555。 

如果是普通门诊，不需要打电话通知保险公司除非是看专科医生或做大型检查及住院。
1. 普通检查包括： 小便，抽血，x-光，不需要事先通知。
2. 大型检查: CT scan, 核磁共振，胃镜，, Ultrasound， 活检,心电图等等。