宏利 CoverMe 访客险增强版

A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 180 days before your effective date

Any pre-existing condition that was not stable in the 180 days before your effective date

There has not been any change in medication, or any recommendation or starting of a new prescription drug ... There has been no hospitalization or referral to a specialist

Any pre-existing condition that was not stable in the 180 days before your effective date

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.

The waiting period is 72 hours if these circumstances occur within the first 30 days after your arrival date. The waiting period is 7 days if these circumstances occur 31 days or more after your arrival date.

If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund amount plus a file handling fee of $300 per claim will also be deducted. A denied claim will be subject to a file handling fee of $500 per claim.

This insurance will be in effect only if the premium is paid in full at the time of application and on or before the policy effective date.

does not exceed the lesser of the following: • 30 days per policy • 49% of your total number of coverage days as stated on your policy confirmation.

we reimburse you according to reasonable and customary charges that we would have paid directly to the provider.

In an emergency, contact the Assistance Centre immediately. They are available 24 hours a day, every day of the year.

Up to $4,000 for treatment to natural teeth and repairs to dentures or other dental devices if such treatment is necessitated by a direct unintended or unexpected blow to your face.

Up to $25,000 if an injury causes you to die, to become completely and permanently blind in both eyes, or to have 2 of your limbs fully severed above your wrist or ankle joints, within 365 days of the accident.

the minimum age is 30 days

The maximum age under this policy is 85 and the minimum age is 30 days.

If you are age 54 or under, we do not require a medical declaration. If you are age 55 to 85, this coverage is available to you if you truthfully and accurately answered No to all questions on the medical declaration

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

Deductible of $100 – save 5%. With a $250 deductible save 10%, with a $500 deductible save 15%, with a $1,000 deductible save 20%, with a $5,000 deductible save 35% and with a $10,000 deductible save 40%.

the amount of eligible expenses that you are responsible for paying per claim per insured before our obligation to reimburse any eligible expenses begins. ... The deductible amount is shown on your policy confirmation and applies per policy per insured.

meets the requirements for the parent and grandparent super visa

Coverage will not be issued for more than 365 days at a time.

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The cost of a hospital room (semi-private room when available or an intensive care unit when medically necessary)

Medical care received from a physician in or out of a hospital

magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds or biopsies unless approved in advance by the Assistance Centre

Prescription medications up to $500 and not exceeding a 30-day supply when these medications are prescribed on an outpatient basis.

The use of a licensed local ambulance service for emergency transportation.

The cost of air ambulance transportation if it is medically necessary. This benefit must be authorized and arranged by the Assistance Centre.

In the event of your death, up to $7,500 for the combined cost for:

In no event will we pay for the cost of a coffin or urn or grave markers of any kind, flowers, ceremony, or reception expenses.

If you are travelling alone and are admitted to a hospital for 5 days or more because of a medical emergency, we will pay up to $3,000 for the return economy class airfare

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

we will pay for the extra cost of the children’s economy class airfare home via the most cost-effective itinerary

Your pregnancy, delivery, or complications of either arising 9 weeks before the expected date of delivery or 9 weeks after

Parachuting, skydiving, hang-gliding, or using other air-supported sporting device

Any loss resulting from your minor mental or emotional disorder.

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the abuse of alcohol, drugs, or other intoxicants.

if a Government of Canada travel advisory, issued before you travel to that location, advises to Avoid non-essential travel or to Avoid all travel

will terminate when the first of these events occurs: • The Assistance Centre has determined that your emergency has ended

Yes, you can buy extra days of protection for your visitors to Canada insurance, providing there has been: No event that has resulted or may result in a claim against the policy, and No change in your health status.

if you do not call the Assistance Centre before you obtain emergency treatment you will be responsible for 20% of your medical expenses covered under this insurance.

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