The following is a summary of the Travel Medicare Visitors to Canada Product underwritten by Berkley Insurance Company. Please refer to the policy wording for complete terms, benefits, conditions and exclusions.
| Standard | Enhanced | Premium | |
| Policy Limits | $25,000 $50,000 $100,000 |
$25,000 $50,000 $100,000 $150,000 |
$100,000 $150,000 $300,000 |
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| Unless otherwise stated benefit limits are for reasonable and customary costs up to the sum insured | |||
| Maximum Policy Duration | 365 days & 2 consecutive years | ||
| Automatic Extension | 72 hours with notification | ||
| Waiting Period – purchased after departure from country of origin |
Within 30 Days: 48 Hours After 30 Days: 8 Days The Waiting Period will be waived if this policy is purchased on or prior to the expiry date of an existing Visitors to Canada Travel Insurance policy already issued by the insurer |
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Minimum Deductible All Ages |
$0 | $0 | $500 |
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Minimum Deductible Ages 80-89 |
$500 | $500 | N/A |
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Optional Deductibles *Not available ages 80-89 |
$100*, $250*, $500, $1,000 & $3,000 | $100*, $250*, $500, $1000 & $3,000 | $1,000* & $3,000* |
| Out of Country |
Max 49% of trip 30 days if originates and terminates in Canada; 7 days if originates or terminates in Canada |
COVERAGE | Standard | Enhanced | Premium |
| Hospitalization |
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$100*, $250*, $500, $1000 & $3,000 | $1,000* & $3,000* |
| Physician Charges | Medical treatment by a legally licensed physician, surgeon, anesthetist or registered graduate nurse | ||
| Diagnostic Services |
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| Prescriptions | 30 day supply & up to $500 per prescription | 30 day supply & up to $1,000 per prescription | 30 day supply & up to $1000 per prescription |
| Private Duty Nurse | With prior approval; $5,000 limit out of hospital | ||
| Paramedical Services: Chiropractor, Physiotherapist, Podiatrist, Osteopath | Up to $300 per practitioner | Up to $500 per practitioner | Up to $500 per practitioner |
| Psychologist/Psychiatrist | N/A | N/A | $1000 |
| Dental |
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| Medical Appliances | With prior approval up to $5,000 | ||
| Ambulance Services | Licensed ground ambulance or taxi | ||
| Emergency Air Transportation |
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| Repatriation of Remains |
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| Transport to Bedside | N/A | Economy airfare and $150/day max $3,000 | Economy airfare and $150/day max $3,000 |
| Meals and Accommodation | N/A | $150/day max. $3,000 | $150/day max. $3,000 |
| Hospital Allowance | N/A | $50/day max. $500 | $50/day max. $500 |
| Follow-up Visits | 3 maximum | ||
| Return and Escort of Children | N/A | Economy Airfare | Economy Airfare |
| Return of Baggage | N/A | $500 maximum | $500 maximum |
| A.D.&.D. | $50,000 maximum | $50,000 maximum | $50,000 maximum |
| Flight Accident | $50,000 maximum | $50,000 maximum | $100,000 maximum |
| Vaccines | N/A | N/A | $100 per policy year* |
| Physical Exam | N/A | N/A | $250 per policy year* |
| Eye Exam | N/A | N/A | $100 per policy year* |
| Maternity Care | N/A | N/A | $10,000 per policy year |
| * Not subject to a deductible | EXCLUSIONS | Standard | Enhanced | Premium |
| Pre-existing conditions | |||
| Ages 0 - 74 | 90 day stability^ | 90 day stability^ |
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| Ages 75 - 84 | Pre-existing conditions are excluded* | Pre-existing conditions are excluded* | Not applicable |
| Ages 85-89 | 90 day stability^ | 90 day stability^ | Not applicable |
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^If Plan 2 is selected, otherwise there is no coverage for pre-existing medical conditions *May purchase coverage for pre-existing conditions stable in 180 days subject to Medical Questionnaire |
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| Purchased to seek treatment | |||
| In country of origin | |||
| Non-compliance with any prescribed medical treatment | |||
| Prior to effective date | |||
| Prudent person | Seek care 90 days prior to effective date | ||
| Non-emergency | Including elective, cosmetic and chronic | ||
| Visit to country of origin | Symptoms were present or you received medical treatment during a temporary visit | ||
| Terminal Illness | Or travelling against advice of physician | ||
| Can be delayed | Until return to country of origin | ||
| Transplants | Cornea, organ, bone marrow, artificial joints, prosthetic devices or implants | ||
| Prescription Replacements | Existing prescriptions | ||
| Devices | Hearing devices, glasses, sunglasses, contact lenses, prosthetic teeth or limbs | ||
| Maternity | Pre-natal care, pregnancy or childbirth except as in Maternity Benefit on the Premium Plan | ||
| Children under 2 | Congenital defect | ||
| Prior approval not obtained | Except emergency upon admission to hospital | ||
| Emotional, psychological | Unless hospitalized or under psychologist benefit | ||
| Intoxication | Contributed to by alcohol, prohibited drug or other intoxicant | ||
| Criminal or illegal act | Committing or attempting to commit | ||
| Suicide | Including attempt | ||
| Aircraft Operation | Operating or learning as pilot or crew | ||
| High Risk Activities | Rock or mountain climbing, hang gliding, parachuting, bungee jumping, skydiving, motor sport/racing, professional sport, scuba diving | ||
| Government Warning | Avoid all travel or to avoid non-essential travel | ||
| Contamination | Radioactive material, nuclear fuel or waste | ||
| War | Including service in the armed forces | ||
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A.D.&.D. Additional exclusions apply |
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