Visitors to Canada Product Overview

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
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
Minimum Deductible
All Ages
$0 $0 $500
Minimum Deductible
Ages 80-89
$500 $500 N/A
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
  • Ward rate
  • Emergency room fees
  • Emergency outpatient services
$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
  • • Lab tests & x-rays part of emergency medical treatment
  • • MRI, CAT, cardiac catheterization, sonograms, ultrasounds, digital x-rays, biopsies with prior approval
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
  • Accident - $3,000 maximum
  • Pain - $300 maximum
  • Accident - $3,000 maximum
  • Pain - $500 maximum
  • Accident - $3,000maximum
  • Pain - $500 maximum
Medical Appliances With prior approval up to $5,000
Ambulance Services Licensed ground ambulance or taxi
Emergency Air Transportation
  • • With prior approval
    • o Air ambulance
    • o Airline with medical attendant
    • o Additional seats if required
    • o Economy airfare to Canada or your country of origin
Repatriation of Remains
  • $10,000 repatriation
  • $2,500 cremation or burial at place death
  • $10,000 repatriation
  • $5,000 cremation or burial at place of death
  • $10,000 repatriation
  • $5,000 cremation or burial at place of death
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^
  • 90 day stability+
  • +Premium Plan available up to age 70
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
^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
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
A.D.&.D.
Additional exclusions apply
  • • Mental incapacity
  • • While undergoing medical or surgical treatment
  • • Stroke, cerebrovascular condition or cardiovascular condition
  • • Travel in vehicle used for aerial navigation
  • • Infections
  • • Asphyxiation
  • • Natural causes