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Benefits at Glance Destination Canada
| Benefit | Details |
|---|---|
| Pre-existing conditions coverage | Covers stable pre-existing medical conditions: Age 59 or under: 90 days stability period Age 60 to 69: 120 days stability period Age 70 to 79: 180 days stability period |
| Medical questionnaire required? | No |
| Hospital accommodation | Semi-private hospital accommodation |
| Prescription drugs | 30-day supply up to $1,000 |
| Follow-up visits | Up to $3,000 for follow-up visit related to medical emergency treatment. |
| Private duty nurse | Up to $10,000. Needs to be pre-approved by Zurich Assistance |
| Ground or air transportation | Licensed local air, land, or sea ambulance if required in case of medical emergency |
| Dental coverage | Up to $3,000 for emergency treatment caused by an accidental direct blow to the face Up to $500 for the immediate relief of acute dental pain caused by a dental emergency other than a direct blow to the face. |
| Laboratory tests & diagnostic services | Covers lab tests and/or x-ray examination required in case of medical emergency |
| Medical Appliances | Rental of crutches or hospital-type beds, not exceeding the purchase price; and the cost of splints, trusses, braces, or other approved prosthetic appliances. |
| Health professional services | Up to $500 per practitioner such as legally licensed physiotherapist, chiropractor, osteopath, chiropodist or podiatrist if required for treatment of medical emergency. |
| Accidental death & dismemberment | Up to lesser of sum insured or $150,000 |
| Flight accident | Up to $50,000 |
| Return of deceased/ Cremation or burial | Up to $10,000 for the costs incurred to prepare and return your remains. Up to $4,000 for cremation or burial at the place of death Note: The cost of a coffin or urn, headstones, flowers, and reception expenses are not covered. |
| Transportation to bedside | Up to $3,000 |
| Side trip coverage | Covers side-trip outside of Canada, provided: The majority of the period of coverage is spent in Canada (at least 51% of your trip) The side-trip is not in your country of origin. |
| Out-of-pocket expenses | Up to $150 per day to a maximum of $1,500 |
| Automatic extensions | Coverage will be automatically extended in any of the following event: Delay of conveyance: Up to 72 hours Hospitalization: the period of hospital confinement, plus 72 hours after release to travel home Medically unfit to travel but not hospitalized: Up to 5 days |
| Policy cancellation/ Refund | A full refund can be requested within 10 days after purchase of policy provided that your coverage has not begun. Other scenarios in which refunds can be requested are: Visa denial Early return You become insured under provincial or territorial health/ medical plan |
| Waiting period | The following waiting period will apply and no claims will be payable for any sickness for which signs and symptoms occurred within: 48 hours after your effective date if you purchased within 30 days after your date of departure from your country of origin .; or 7 days after your effective date if you purchased 30 days or more after your date of departure from your country of origin. Any sickness that manifests itself during the above waiting period is not covered even if the related expenses are incurred after the waiting period. |