For those who plan to visit Canada to see family, as a tourist, or a business trip. Unexpected illnesses or injuries do happen, and travel medical insurance assists in making it a safe and enjoyable visit.

This plan covers pre-existing medical conditions. A medical questionnaire must be completed.

Medical Questionnaire – your answers form the medical statement and become part of the policy. The onus is on you to tell the insurer everything that has affected your health status.

You must click Yes for any condition that you had symptoms, been investigated for, received consultation or Treatment for, or had a change in medication or a change in Treatment for, been Hospitalized for or been diagnosed with.

1. Check whether the stability clause is based on the Effective Date or the Application Date.
2. If you have been prescribed medicine or a course of care by a doctor or have sought care from a licensed practitioner, you will be considered to have received treatment for a medical condition or injury.
3. Certain underwriting rules may exclude a condition or reject the application.
4. The policy is void if there is a material mistake in the medical statement.

Key Benefits

Coverage Type – Single

Coverage Age – Up To Age 89

Coverage Amount:  $10,000, $25,000, $50,000, $100,000, $150,000, $200,000

Deductibles Options:   $0.00 (+0%), $100 (-5%), $250 (-10%), $500 (-15%), $1000 (-20%), $5000 (-30%), $10,000 (-40%)

• Emergency Hospital – Up To The Maximum Aggregate Limit Purchased
• Medical Treatment – Up To The Maximum Aggregate Limit Purchased
• Prescription Drugs – Limited To A 30 Day Supply Up To $10,000
• Diagnostic-Rays & Laboratory Services – Up To $10,000
• Ambulance Services – Up To $5,000
• Private Duty Nursing Services – Up To $10,000
• Medical Appliances – Up To $5,000
• Dental Accident – Up To $2,000 Per Trip
• Out-Of-Pocket Expenses – Up To $500 Per Trip
• Emergency Return Home – Up To $25,000
• Return Of Dependent(S) – Up To $2,000 Per Trip
• Escort Of Dependent(S) – Up To $1,000 Per Trip
• Transportation Of Relative – Up To $2,000 Per Trip
• Repatriation – Up To $5,000 Per Trip
• Meals & Commercial Accommodation – Up To $1,500 Per Trip

COVID-19 Coverage in Canada

• There is no waiting period if coverage begins on the first day of the applicant’s current stay in Canada or it is an extension of an existing policy which is purchased before the previous policy expires.
• There is no waiting period if this policy is an extension of another policy because there is no gap in coverage. If the client is in Canada and there is a gap in coverage prior to the purchase of an HMC policy the waiting period will apply.
• Losses related to COVID-19 are excluded if the client was infected prior to the Effective date of the policy.
• If the client has been in Canada without insurance prior to the effective date of this policy Losses related to COVID-19 will be covered after a 21 day waiting period. Losses related to COVID-19 are excluded during the 21 day waiting period to ensure individuals were not infected prior to the Effective date.

Exclusion

• There is no medical declaration attached to this certificate. There is no coverage under this insurance policy for pre-existing medical conditions that existed prior to the effective date of this policy. Policy Limitations and Exclusions apply.
• If You have been diagnosed with diabetes, losses or expenses incurred for or as the result of Treatment for heart or stroke conditions will not be covered.
• Losses related to COVID-19 will be covered after a 21 day waiting period unless this policy begins coverage on the first day of Your current stay in Canada or it is an extension of an existing policy. There is no waiting period if this policy is an extension of another policy. Losses related to COVID-19 are excluded if you were infected prior to the Effective date of the policy.

Eligibility

You must meet the Eligibility Requirements set out below to be eligible for coverage under this policy. You are eligible for coverage if:

1. You are at least 15 days old and You are age 89 or under and not insured or eligible for benefits under a Canadian Government Health Insurance Plan; and
2. You know of no reason why you would require medical attention during your trip; and
3. In the 12 months prior to the effective date you have not:
   1. been prescribed home oxygen or prednisone for a lung condition or a heart condition or had Pulmonary Fibrosis or Cystic Fibrosis;
   2. used nitroglycerine in any form (spray, patch or pill) for a heart condition for the relief of angina or chest pain, or have a heart condition with an ejection fraction of LESS THAN 40%;
   3. had any aneurysm that is not surgically repaired;
4. You have not had a Bone Marrow transplant, stem cell transplant or an organ transplant except a cornea transplant.
5. I have read the Eligibility Requirements above. I understand them, and declare that I am eligible. I acknowledge that any policy and coverage provided to me on the basis of the answers given will be deemed null and void if any answer is not correct.