only cover a pre-existing condition for Plan B that is stable in the 180 days before the effective date of insurance

The following two conditions are not covered

•  any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or

•  any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

no waiting period purchsing before arrival in Canada, 48-hour period within 30 days of arrival in Canada,8-day period more than 30 days after arrival in Canada

full refund before the effective date; partial refund if no claim

Emergency Medical Attention

• medical care from a physician in or out of a hospital

• the cost of a hospital room

• the services of a licensed private duty nurse

• the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance

• tests needed

• drugs by prescription from a physician or dentist

• Follow-up visits

up to $300 per profession including chiropractor, osteopath, chiropodist, physiotherapist or podiatrist

local licensed ground ambulance service

Emergency Dental Treatment

up to $300 for the relief of dental pain; up to $3,000 for accidents

Expenses related to death

Expenses to bring you home

Extra expenses

up to $150 per day to a maximum of $1,500 for your extra hotel, meals, essential calls and taxi fares

Expenses to bring someone to your bedside

up to $3,000 for the return economy class airfare

Expenses for childcare

up to $100 per day to a maximum of $300 per trip

Expenses to return children under your care

Travel Accident Insurance

Trip Interruption Insurance