Travel Medicare

International Students to Canada Product Overview

The following is a summary of the Travel Medicare Students to Canada Product underwritten by Berkley Insurance Company. Please refer to the policy wording for complete terms, benefits, conditions and exclusions.

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ELIGIBILITY

To be eligible for coverage you, on the effective date, must be:

1. at least 15 days old and less than 65 years of age; and

2. ineligible for benefits under a government health insurance plan; and

3. residing in Canada on a temporary basis; and

4. one of the following:

a) a student with proof of full-time admission in a recognized Canadian institution of learning; or

b) a student completing post doctorate research in a recognized Canadian institution of learning; or

c) the spouse or dependent child of the insured student and residing with them on a full-time basis; or

d) the parent, legal guardian, teacher or chaperone of the insured student.

To obtain medical treatment
	Standard	Enhanced	Premium
Maximum Policy Duration	365 days	365 days	365 days
Travel Outside Canada	Travel worldwide is valid as long as the majority (51%) of time on the policy is spent in Canada. Your home country is excluded unless on a school-sponsored trip, and coverage in the USA is limited to 30 days
Sum Insured	$2,000,000
MEDICAL COVERAGE	Standard Emergency	Enhanced Emergency Plus	Premium Emergency Plus
Hospitalization	Semi private room Emergency room fees Emergency outpatient services	Semi private rate Emergency room fees Emergency outpatient services	Semi private rate Emergency room fees Emergency outpatient services
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	30 day supply	60 day supply
Private Duty Nurse	With prior approval $5,000 limit out of hospital	With prior approval	With prior approval
Paramedical Services: Chiropractor,Physiotherapist, Podiatristor Osteopath	N/A	$500 per practitioner	$500 per practitioner
Psychologist/Psychiatrist	Up to $500 for outpatient visits to a psychiatrist or psychologist Up to $10,000 for psychiatric hospitalization	Up to $500 for outpatient visits to a psychiatrist or psychologist Up to $10,000 for psychiatric hospitalization	Up to $1000 for outpatient visits to a psychiatrist or psychologist Up to $15,000 for psychiatric hospitalization
Trauma Counseling	N/A	6 sessions	6 sessions
Physical Exam	N/A	One exam per year up to $150	One exam per year up to $150
Eye Exam	N/A	One exam per year up to $100	One exam per year up to $100
Maternity	Up to $5,000 for complications; the pregnancy must commence during the coverage period. One induced termination per policy period.	Up to $10,000 for complications; the pregnancy must commence during the coverage period. One induced termination per policy period.	Up to $15,000 for complications; the pregnancy must commence during the coverage period. One induced termination per policy period.
Corrective Device	N/A	Up to $1,000 to repair or replace	Up to $1,000 to repair or replace
Sexual Health Consultation	N/A	N/A	Up to $100 for elective testing
Dental	Accident: Up to $2,500	Accident: Up to $4,000 Pain: $600	Accident: Up to $4,000 Pain: $600
Medical Appliances	Purchase or rental of minor appliances with approval: crutches, wheelchair, splints, canes etc.	Purchase or rental of minor appliances with approval: crutches, wheelchair, splints, canes etc.	Purchase or rental of minor appliances with approval: crutches, wheelchair, splints, canes etc.
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 you country of origin
ADDITIONAL COVERAGE	Standard Emergency	Enhanced Emergency Plus	Premium Emergency Plus
Tutorial Services	N/A	N/A	Up to $20/hour max of $500
Repatriation of Remains	$5,000 repatriation, cremation or burial at place death	$10,000 repatriation, cremation or burial at place death	$15,000 repatriation, cremation or burial at place death
Transportation to Bedside	N/A	Economy airfare up to $5,000 & $150/day max $1,500 for living expenses	Economy airfare up to $5,000 & $150/day max $1,500 for living expenses
AD&D	Air Flight / Common Carrier Accident: $25,000 Accident: $10,000	Air Flight / Common Carrier Accident: $100,000 Accident: $15,000	Air Flight / Common Carrier Accident: $100,000 Accident: $15,000
EXCLUSIONS	Standard	Enhanced	Premium
Pre-existing conditions	Unexpected emergencies covered if stable for 90 days prior to the start of the policy.	Unexpected emergencies covered if stable for 90 days prior to the start of the policy.	Unexpected emergencies covered if stable for 90 days prior to the start of the policy.
In country of origin
Prudent person	Medical condition that requires treatment prior to departure
Non-emergency	Including elective and cosmetic
Prior to effective date	For coverage extensions
Terminal Illness	Or travelling against advice of physician
Can be Delayed	Until your country of origin
Ongoing Condition	Chronic condition, home health care, investigative testing or rehabilitation
Travel Outside Canada	Medical treatment exceeding 30 days in the USA
HIV	Including HIV related conditions and AIDS
Follow up Visit	Acute sickness or injury after emergency has ended
Pregnancy	Except as provided in the Maternity Benefit
Non-compliance	With any prescribed medical treatment or therapy
Prescriptions	Over the counter, contraceptive, and not legally registered or approve in Canada
Transplants	Cornea, organ, bone marrow, artificial joints, prosthetic devices, and implants
Medical Examinations	Requested by third party, or consultations with a physician by phone or e-mail
Prior Approval not Obtained	Except emergency upon admission to hospital
Intoxication	Alcohol, prohibited drugs, or any other intoxicant
Criminal or Illegal Act	Committing or attempting to commit
Emotional, psychological	Except as provided in Psychological and Psychiatric Benefit
Suicide	Including attempt, whether sane or insane
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
Other Insurance	Medical treatment or services normally covered or reimbursable under any other insurance
War
Terrorism
Armed Forces Service