宏利 CoverMe 加拿大人出境紧急医疗险（单次、多次、境内游）

Rate Categories B and C. We will not pay any expenses relating to: • a pre-existing medical condition that is not stable in the six (6) months before your effective date; and/or • your heart condition if, in the six (6) months before your effective date, any h

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing medical condition exclusion applies. Rate Category A. We will not pay any expenses relating to: • a pre-existing medical condition t

Stable A medical condition is considered stable when all of the following statements are true: 1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and 2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and 3. the medical condition has not become

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If you have been asked to complete a medical questionnaire and any of your answers are not accurate or complete, your policy will be voidable. To download the app, visit: http://www.active-care.ca/en/

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10-Day Free Look – If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. For information on refunds after the 10-Day Free Look

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17. Trip Break – For Single-Trip plans, you may return home to your province of residence without terminating your coverage. There is no coverage under this plan in your province or territory of residence. There will be no refund of premium for any of the days you spend in your province or territory of residence. If you experience any change in your health during the Trip Break

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you must call the Assistance Centre in a medical emergency and prior to any treatment. Otherwise, you will have to pay 20% of the eligible medical expenses we would normally pay under this policy. If it is medically impossible SUPPORT WE for you to call, pleas

4. Expenses for emergency dental treatment – • If you need emergency dental treatment, we will pay up to $300 for the relief of dental pain; and/or • If you suffer an accidental blow to the mouth, we will pay up to $3,000 for the reasonable and customary charges to repair or replace your natural or permanently attached artificial teeth (up to $1,500 during your trip and up to $

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be at least thirty (30) days of age; • not have been advised

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Rate Category A. We will not pay any expenses relating to: • a pre-existing medical condition that is not stable in the three (3) months before your effective date; and/or • your heart condition if, in the three (3) months before your effective date,

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Emergency Medical Insurance covers you for up to $10,000,000 CDN of covered expenses incurred by you for treatment required by you during your trip if a medical emergency begins unexpectedly after you leave home, but only if these

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The deductible amount is the amount of covered expenses that you are responsible for paying per person per emergency medical claim. Your deductible amount, in CDN dollars, applies to the amount remain

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Reasonable and customary charges for medical care received from a physician in or out of hospital; the cost of a semi-private hospital room (or an intensive or coronary care unit where medically necessary); the services of a licensed private duty nurse while you are in hospital;

Reasonable and customary charges for medical care received from a physician in or out of hospital; the cost of a semi-private hospital room

If you undergo tests as part of a medical investigation, treatment or surgery, obtain treatment or undergo surgery that is not pre-approved, your claim will not be paid. This includes but is not limited to MRI, MRCP, CAT Scan, CT Angiogram, sonograms, ultrasou

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3. Expenses for ambulance transportation – Reasonable and customary charges for local licensed ambulance service to transport you to the nearest appropriate medical service provider in an emergency. 4

8. Expenses to bring you home – If your treating physician recommends that you return home earlier than planned because of your emergency or if our medical advisors recommend that you return home after your emergency, we will pay for one or more of the following: 17. Trip Break – For Single-Trip plans, you may return home to your province of residence withou

up to $5,000 to have your body prepared where you die and the cost of the standard transportation container normally used by the airline, plus the return home of your body; • up to $5,000 to have your body prepared and the cost of a standard burial container, plus up to $5,000 for your burial where you die; or 14. Hospital Allow

up to $5,000 to have your body prepared and the cost of a standard burial container, plus up to $5,000 for your burial where you die; or 14. Hospital Allowance – When you are hospitalized for 48 hours or more due to sickness or injury during your trip, we will reimburse you $50 per day up to $300 per policy for your telephone, p

5. Expenses to bring someone to your bedside – If you are travelling alone and are admitted to a hospital for three (3) days or more because of a medical emergency, we will pay the return economy class airfare via the most cost-effective itinerary for someone to be with you. We will also pay up to $1,000 for that person’s hotel and meals and cover

6. Extra expenses for meals hotel, and taxi – If a medical emergency prevents you or your travel companion from returning home as originally planned, or if your emergency medical treatment or that of your travel companion requires your transfer to a location that is different from your original destination, we will reimburse you

11. Childcare expenses – We will pay up to $75 per day to a maximum of $500 for childcare costs incurred by you during your trip to care for your children travelling with you and remaining with you at your destination while you ar

• Your routine pre-natal or post-natal care; • Your pregnancy, delivery, or complications of either, arising 9 weeks before the expected date of delivery or 9 weeks after. 17. Your child born during your trip. 18. For insured children under two (2) years of age, any medical condition related to a birth defect. 19. Any benefit th

any extreme sport or activity involving a high level of risk, such as those indicated below, but not limited to: • mountain climbing requiring the use of specialized equipment, including carabiners, crampons, pick axes, anchors, bolts and lead rope or top rope anchoring equipment to ascend or descend a mountain; • rock-climbing; • parachuting; • skydiving; • hang-gliding or usi

15. Any loss resulting from your minor mental or emotional disorder. 16. • Your routine pre-natal or post-natal care; •

participating in a motorized speed contest. 10. Any trip made for the purpose of obtaining a diagnos

Any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip. • Any medical condition arising during your trip from, or in any way related to, the abuse of alcohol, drugs or other intoxicants. 15. Any

Any act of terrorism or any medical condition you suffer or contract when an official travel advisory issued by the Canadian government states, "Avoid all non-essential travel" or "Avoid all travel" regarding the country, region or city of your destination, before your effective date. To view the travel advisories, visit the Government of Canada Travel site. This exclusion does

6. Any non-emergency, experimental or elective treatment such as cosmetic surgery, chronic care, rehabilitation including any expenses for directly or indirectly related complications. 7. The continued treatment of a medical condition or related condition, following emergency treatment during your trip, if our medical advisors d

TO STAY LONGER THAN PLANNED If you are already on your trip and need to apply for an extension of your coverage, before the expiry date of your existing coverage, simply call the agent or broker from whom you purchased your coverage. You may be able to extend your coverage, as long as: • the total length of your trip outside of Canada, including the extension, does not exceed the maximum

if you do not call the Assistance Centre before you obtain emergency treatment you will have to pay 20% of the eligible medical expenses we would normally pay under this insurance. SECTION 4 – Eligibi

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MULTI-TRIP PLANS • Provide coverage for an unlimited number of trips taken within one (1) year, commencing with the effective date as shown on your confirmation. • Provide you with emergency medical coverage for an unlimited number of days of travel within Canada but outside your province or territory of residence. • Each trip taken outside of Canada can be up to the maximum nu

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be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip; • be at least thirty (30)

Top-Up your trip under the Multi-Trip Emergency Medical plan: If your trip: – is longer than the maximum number of coverage days you have under your current plan; or – will extend beyond the expiry date shown on your confirmation, you can either: – purchase Top-Up coverage before the expiry date of your Multi-Trip plan for any additional travel days; or – purchase a new Multi-T

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