Super Visa Emergency Medical Insurance
Super visa lets you stay with the family in Canada for up to two years at a time. While you’re staying in Canada, enjoying all it has to offer, let us take care of your emergency medical needs. We’re happy to provide Super Visa insurance, with Emergency Medical Coverage.
Please Note: Immigrants & Visitors to Canada plans now include coverage for emergency medical expenses resulting from COVID-19. Plans sold before May 6, 2021 can’t claim for any COVID-19 expenses between April 24, 2020 to May 5, 2021.
Why GMS?
Easy online application
Online Claims make it quick and easy to send your claim from anywhere using any device.
Coverage for COVID-19 related emergency medical expenses.
No waiting period if you apply before arriving in Canada or are replacing an existing emergency medical plan issued by a Canadian insurer.
Choice of deductible – $0, $100, $500 or $1,000.
Choice of insurance amount – $25,000, $50,000, $100,000 or $150,000.
No medical questions if you’re under 55 years of age.
Side-trip travel coverage for up to 30 days to any other country, as long as the majority of your trip is spent in Canada and there’s no travel advisory to “Avoid non-essential travel” or “Avoid all travel” from the Government of Canada for your destination.
Why GMS?
24/7 travel assistance service provided in a number of different languages.
Direct billing with many health providers, so you can keep your money in your pocket.
Virtual Care for minor emergencies. You can speak to a medical professional over the phone or video instead of having to go to a hospital or clinic.
- Services may include a consultation or medical advice.
- When you call GMS Travel Assistance they’ll determine if virtual care is the best option for you. Some of the things it can help with are: lower back pain, minor sprains and injuries, eye infections, urinary tract infections, skin infections, stomach flu and common cold symptoms.
Key Benefits
Hospitalization Covers hospital room and board charges, up to semi-private, unless specified by a physician (if medically necessary, charges for intensive and coronary care units are included)
Medical Services Covers the cost of treatment by physician or surgeon
Diagnostic Services Covers the cost of x-rays and other diagnostic tests
Out-patient Medical Treatment Covers the cost of out-patient emergency room charges
In-Hospital Prescription Drugs Covers the cost of prescription drugs and medication prescribed by a physician (to a maximum of a 30 day prescription)
Road Ambulance Covers 100% of the cost for emergency transport to a hospital
Paramedical Services Covers up to $300 toward the cost of emergency services of an osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist
Accidental Dental Covers up to $2,000 per person and up to $250 for the relief of dental pain
Return of Remains Covers the cost for preparation and transportation to your country of origin, destination in Canada, or the cost of cremation or burial at the place of death
Child Care Covers the cost for licensed child care for a dependant traveling with you if you are hospitalized (up to $500)
Key Benefits
Repatriation Up to $5,000 to transport you home for further medical treatment with pre-approval by GMS
Out-of-Pocket Expenses Covers the cost of accommodations, meals, phone calls and taxi or bus fares incurred by an accompanying family member in the event hospitalization continues after the policy expiry date
24-Hour Travel Assistance Services Coordination of all medical care, transportation, and repatriation; telephone interpretation services in most languages; monitoring of progress during treatment and recovery by managed care
Travel Benefits Outside of Canada
Benefits apply to side-trips outside of Canada of up to 30 days each, excluding visits to your country of origin
- Air Ambulance – charges to transport you back to your destination in Canada or your country of origin.
- Special Attendant – reimbursement of a one-way trip economy airfare ticket for a medical attendant to accompany you back to your destination in Canada or country of origin for further in-hospital treatment
- Escort of Insured Children – reimbursement of the cost of a one-way trip economy airfare to return an accompanying child or children and escort, when necessary, back to your original point of departure
Policy Extensions
You may purchase additional days to extend your coverage subject to GMS’ approval if:
- you contact GMS forty-eight (48) hours prior to the expiry date of the existing coverage;
- during your period of coverage, you have not required medical treatment (whether a claim was submitted or not), excluding a medical evaluation required to satisfy travel visa requirements;
- your total period of coverage, including all extensions, does not exceed one (1) year; and
- you will not be eighty (80) years of age or older as of the start date for the policy extension.
To avoid a waiting period, extend coverage before your policy expires.
Slide Trips
Coverage for side trips up to 30 days or less in duration, outside of Canada that:
- originates and terminates in Canada; and
- are not greater than 50% of your period of coverage.
Expenses incurred in your country of origin are not covered.
Waiting Period
- If you apply before arriving in Canada, or purchase to continue coverage without a gap from another policy, that is providing similar coverage from a Canadian insurance company, coverage begins on the effective date with no wait period.
- If uninsured and apply within the first 30 days of arriving in Canada, coverage for injury begins on the effective date and a 2 day waiting period is applied to coverage for medical conditions, other than injury.
- If uninsured and apply more than 30 days of arriving in Canada, coverage for injury begins on the effective date and a 7 day waiting period is applied to coverage for medical conditions, other than injury.
Pre-existing medical conditions
- Age 0 to 79:
Option 1: Covered only if stable during the 120 days prior to the effective date
Option 2: All pre-existing conditions will be excluded from coverage - Age 80 and over – all pre-existing conditions are excluded from coverage
This summary of benefits is for information purposes only. Please refer to the policy wording for full details.
Always Carry Your Wallet Card When You Travel!
You must notify the Assistance Centre within 24 hours for any medical emergency!
Don’t Wait! Protect Yourself & Your Family Today.