Coverage amounts

• $15,000, $25,000, $50,000 or $100,000 to age 85
• $150,000 to age 69

Emergency medical benefits*

Health services

• Emergency medical attention, including hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Ambulance
• Emergency air transportation home
• Visit to bedside if travelling alone
• Return home of children
• Preparation and return of remains

Additional protection

• Extra meal, hotel and child care costs
• Hospital allowance
• Trip break without terminating coverage
• Protection for side trips outside Canada

Travel accident insurance

• $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
• $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 356 days
• Only one benefit payment (the largest applicable) per trip

Trip interruption insurance – optional add-on

• Up to $1,500 for single coverage
• Up to $5,000 for family coverage
• Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
• Unexpected medical emergency or death of insured, insured's travel companion or an immediate family member
• Travel host hospitalization or death

Pre-existing condition exclusion

• Any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, within 180 days before the effective date of insurance
• Any heart condition if, in the 180 days before the effective date, the applicant required any form of nitroglycerine for the relief of angina pain
• Any lung condition if, in the 180 days before the effective date, the applicant required treatment with oxygen or prednisone for a lung condition

_{*Exclusions, limitations and conditions apply. See the policy for details.}

Coverage amounts

• $15,000, $25,000, $50,000 or $100,000 to age 85
• $150,000 to age 69

Emergency medical benefits*

Health services

• Emergency medical attention, including hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Ambulance
• Emergency air transportation home
• Visit to bedside if travelling alone
• Return home of children
• Preparation and return of remains

Additional protection

• Extra meal, hotel and child care costs
• Hospital allowance
• Trip break without terminating coverage
• Protection for side trips outside Canada

Travel accident insurance

• $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
• $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 356 days
• Only one benefit payment (the largest applicable) per trip

Trip interruption insurance – optional add-on

• Up to $1,500
• Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
• Unexpected medical emergency or death of insured, insured's travel companion or an immediate family member
• Travel host hospitalization or death

Pre-existing condition exclusion

• A pre-existing condition that is not stable in the 180 days before the effective date of insurance
• Any heart condition if, in the 180 days before the effective date, the applicant required any form of nitroglycerine for the relief of angina pain
• Any lung condition if, in the 180 days before the effective date, the applicant required treatment with oxygen or prednisone for a lung condition

• There have not been any new symptoms
• Existing symptoms have not become more frequent or severe
• A physician has not found that the medical condition has become worse
• No test findings have shown that the medical condition may be getting worse
• A physician has not provided, prescribed, or recommended any new medication, any change in medication**
• A physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment
• There has been no hospitalization or referral to a specialist or specialty clinic
• A physician has not advised referral to a specialty clinic or specialist for further testing, and there has been no testing for which the results have not yet been received

_{*Exclusions, limitations and conditions apply. See the policy for details.}

_{Exceptions include a change from a brand-name drug to an equivalent generic drug of the same dosage, and the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is not newly prescribed or stopped).}