Desjardins 访客医疗险

in the 182 days preceding your coverage start date.

If you answered No to all of these questions: This exclusion doesn’t apply to you.

If you answered Yes to one or more of these questions: Your injury or medical condition is considered unstable and isn’t covered.

This exclusion applies even if your coverage has been approved, or if a doctor said you could travel.

If you provide incorrect or incomplete information, or make a false statement, we may cancel your coverage or deny your claim.

If you purchase this insurance when you’re already in Canada or within 4 days before arriving in Canada: You’re not covered for any medical condition related to symptoms that first appeared on the day you purchased this insurance or during the 4-day period that immediately followed.

we have the right to apply cancellation fees only if you cancel your insurance more than 10 days after buying it.

You have to pay the premium in a single payment.

The duration of the side trip and all side trips combined is less than half of the duration of your visit to Canada

We’ll pay any amount payable to the contract holder (the person who bought the insurance contract), or to the care or service provider if the charges haven’t been paid.

If you can’t prove that you were unable to contact the Assistance Service, you’ll have to pay 30% of the eligible expenses, up to a maximum of $3,000.

Treatment for pain. Maximum of $300 per insured person for the entire contract duration.

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Be at least 15 days old

Be 84 or younger on the day they leave for Canada.

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Insurance amount $100,000 $150,000 $300,000

Insurance amount $100,000 $150,000 $300,000

If you can’t prove that you were unable to contact the Assistance Service, you’ll have to pay 30% of the eligible expenses, up to a maximum of $3,000.

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Type of traveller * Immigrant Foreign worker International student Canadian citizen Super visa applicant

must last a maximum of 365 days.

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Hospitalization in a semi-private room or, if your health requires it, a private room.

doctors' fees are fully covered up to your insurance amount.

Lab tests and X-rays

Drugs that can only be obtained with a prescription—these drugs are limited to a 30-day supply for a same illness or accident, unless you have to take them while you’re in the hospital

Expenses for emergency transportation to the closest facility where appropriate medical care is available.

If you need to be brought back for medical

Bringing your body or ashes back to the city

Your cremation or burial in Canada or the country where you died. Maximum of $6,000.

The cost of a round-trip economy ticket for

Maximum of $200 per day and $2,000 in total.

childcare for dependent children not accompanying you

For expenses resulting from pregnancy, miscarriage, childbirth or their complications, and that are incurred after the first 32 weeks of pregnancy

Any non-standard sport or activity involving a high level of risk, including but not limited to:

Mental health specialist (psychologist, psychotherapist or social worker); maximum of $80 per treatment and $400 in total.

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or while your blood alcohol

You aren’t covered if your destination or type of trip (for example, a cruise) is subject to a travel advisory issued by the Canadian government to avoid all travel before you left on your side trip.

For life-sustaining drugs that you take on an on-going basis, such as insulin, nitroglycerin and vitamins

The exclusion for an unstable medical condition described in section 3.2 applies again to the extension period.

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