An Overview of Benefits

- Maximum Benefits: $10,000; $25,000; $50,000; $100,000; $150,000; $300,000
- Emergency Hospital: semi-private hospital accommodation is included
- Physicians, surgeons or anesthetic services are a part of this plan
- Private duty services of a Registered nurse can go up to $10,000*
- Diagnostic services: these include lab tests and x-ray tests as prescribed by the doctor for diagnosis
- Ambulance Transportation: licensed local ambulance including all modes; land, sea, and air, to the nearest hospital facility.
- Emergency Air Transportation: such as air ambulance, one-way economy airfare, stretcher and/or a medical attendant to take you to your country of origin because of a covered emergency injury or illness
- Medical Appliance: Rental of crutches or hospital-type bed, not exceeding the purchase price, and the cost of splints, trusses, braces or other approved prosthetic appliances.
- Prescription drugs: 30-day supply up to $1,000 per policy.
- Professional Medical Services referred by a physician - care received from a licensed physiotherapist - up to $500. The service of a chiropractor, osteopath, chiropodist, and podiatrist - up to $500 for out-patient treatment.
- Accidental Dental: Up to $3,000 for emergency treatment to whole or sound natural teeth damaged by an accidental direct blow to the face.
- Dental Emergencies: Up to $500 for the immediate relief of acute dental pain.
- Follow-up visits: Up to $3,000 provided they are directly related to the emergency**
- Emergency Return Home: Up to $3,000 for the cost of one-way economy transportation to your country of origin, if the covered sickness or injury necessitates your immediate return home during the period of coverage. This benefit also includes one additional insured family member.

- Return of Deceased (Repatriation): up to $10,000 to return the body to the country of origin, or up to $4,000 for cremation or burial at the place of death. The cost of a coffin or urn is not covered.
- Childcare expenses – (Attendant) up to $50 a day to a maximum of $500 for attendant to care for your travelling companion(s) under age 18, or physically or mentally handicapped travelling companion(s) who rely on you for assistance, if you are hospitalized for 48 hours or more as a result of an emergency,
- Meals and Accommodation - in the event you or your insured travelling companion are confined to hospital on the date on which you are scheduled to return home - up to $150 per day to a maximum of $1,500, or up to a maximum 10 days for commercial accommodation, meals, child care costs, essential telephone calls and taxi fares incurred by you or any insured travelling companion.
- Transportation of Family or Friend: Up to $3,000 for a round-trip economy transportation to bring one family member or close friend to your bedside when advised by an attending physician OR to identify your remains in the event of your death. Up to $1,000 for accommodation, meals, essential telephone calls and taxi fares incurred by your family member or close friend after arrival*
- Accidental Death & Dismemberment: up to the maximum sum insured selected at the time of application, not to exceed $150,000 for accidental loss of life, limb or sight (excluding flight accident).
- Flight Accident – up to $50,000 for death as a result of air flight accident.
- Flight to/from Canada coverage: Coverage begins on the latest of the following: a) the date and time the completed application and premium are accepted by the Destination Travel Group Inc. or its agent; or b) the date indicated as the effective date in your confirmation of coverage; or c) the date and time you exit your country of origin.


Eligibility:

The deductible amount (if any) is shown on your confirmation of coverage and applies to each claim. You will be responsible for any expenses that are not payable by the insurer.

The specific details of your policy are outlined in your confirmation of coverage which forms part of your policy. Costs incurred outside of Canada are covered provided the majority of the period of coverage is spent in Canada. However, this limitation may be waived in certain circumstances, see Extending Your Trip on page 4 for details.

Costs incurred in your country of origin are not covered.

You or someone on your behalf must notify the Assistance Centre at 1-833-886-1069 or toll-free from the USA and Canada +1 (519) 945-1069 collect where available prior to any surgery being performed or within 24 hours of admission to a hospital.

Failure to notify the Assistance Centre, without reasonable cause, will result in the reduction of your eligible benefit amounts payable by 20%.

The insurer reserves the right, as reasonably required, to transfer you to any hospital or to transport you to your country of origin following an emergency. If you refuse to be transferred or transported when declared medically fit to travel, any continuing costs incurred after your refusal will not be covered and the payment of such costs becomes your sole responsibility. Coverage ceases upon your refusal and no coverage will be provided to you for the remainder of the period of coverage.

Subject to the terms, conditions, limitations and exclusions of this policy, benefits are payable for the following costs:

1. Emergency Hospital The insurer agrees to pay for semi-private hospital accommodation and for reasonable and customary services and supplies, including drugs and medication administered during your hospitalization; necessary for your emergency medical care during confinement as a resident in-patient.

2. Emergency Medical The insurer agrees to pay for emergency medical, surgical or anesthetic services when performed and authorized by a physician.

3. Emergency Extended Health The insurer agrees to reimburse for the following services, supplies or treatment, when provided by a health practitioner who is not related to you by blood or marriage:
a. Private duty services of a Registered Nurse when approved in advance by the Assistance Centre Not to exceed $10,000.
b. The services of a legally licensed physiotherapist when ordered by the attending physician as treatment for a covered injury. Not to exceed $500 for out-patient treatment.
c. the services of a legally licensed chiropractor, osteopath, chiropodist or podiatrist when ordered by an attending physician as treatment of a covered injury. Not to exceed $500 per practitioner for out-patient treatment.
d. When performed at the time of the initial emergency, lab tests and/or X-ray examination as ordered by a physician for the purpose of diagnosis.
e. The use of a licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary when approved and arranged by the Assistance Centre.
f. Rental of crutches or hospital-type bed, not exceeding the purchase price; and the cost of splints, trusses, braces or other approved prosthetic appliances.
g. Emergency out-patient services provided by a hospital.
h. Drugs and/or medications, prescribed by a physician on an outpatient basis, for your covered emergency. This benefit is limited to a 30-day supply and up to $1,000 per policy. Charges for vitamins, vitamin preparations, over-the-counter drugs or medications are not covered.

4. Emergency Transportation When necessary, the insurer agrees to transport you to your country of origin when immediate medical consultation is required due to a covered emergency sickness or injury. Any emergency transportation such as air ambulance, one-way economy airfare, stretcher and/or a medical attendant must be approved and arranged by the Assistance Centre.

5. Transportation of Family or Friend Up to $3,000 for one round-trip economy class transportation by the most direct route, and up to $1,000 for reasonable costs incurred after arrival by your family member or close friend if:
a. you are hospitalized due to a covered sickness or injury and the attending physician advises the necessary attendance by such persons; or
b. local authorities legally require the attendance of such person to identify your remains in the event of death due to a covered sickness or injury.

6. Attendant If you are hospitalized for 48 hours or more as a result of an emergency, the insurer agrees to reimburse up to $50 a day, to a maximum of $500 for an attendant, other than a relative, to care for your accompanying travelling companion(s) under age 18, or physically or mentally handicapped travelling companion(s) who rely on you for assistance.

7. Follow-up visits Follow-up visits are covered up to $3,000, provided they are directly related to the emergency and the emergency has been reported to the Assistance centre.

8. Accidental Dental: The insurer agrees to reimburse reasonable and customary costs up to $ to $3,000 for emergency treatment or services to whole or sound natural teeth (including capped or crowned teeth) caused by an accidental direct blow to the face. Treatment relating to any dental claim must begin and end within 90 days from the onset of the accident and prior to your return to your country of orig

9. Dental Emergencies The insurer agrees to reimburse up to $500 for the immediate relief of acute dental pain caused by a dental emergency other than a direct blow to the face. Dental conditions for which you have previously received treatment or advice are not covered. Treatment relating to any dental claim must begin and end within 90 days from the onset of the emergency and must be completed within the period of coverage and prior to your return to your country of origin.

10. Meals and Accommodation The insurer agrees to reimburse up to $150 per day to a maximum of $1,500, or up to a maximum 10 days in the event you or your insured travel- ling companion are confined to hospital on the date on which you are scheduled to return home. The insurer will reimburse for commercial accommodation, meals, child care costs (children under age 18, or physically or mentally handicapped travelling companion(s) who rely on you for assistance), essential telephone calls and taxi fares incurred by you or any insured travelling companion. The insurer will only reimburse these expenses if you have actually paid for them.
Expenses must be supported by original receipts from commercial organizations.

11. Emergency Return Home If a covered sickness or injury requires you to be returned home during the period of coverage, the insurer agrees to reimburse up to $3,000 for the additional cost of a one-way economy transportation by the most direct route to your country of origin when approved and arranged by the Assistance Centre. This benefit also
includes one insured family member.

12. Return of Deceased In the event of death due to a covered sickness or injury, the insurer agrees to reimburse up to:
a. $10,000 for the costs incurred to prepare and return your remains in a standard transportation container, to your country of origin; or
b. $4,000 for cremation or burial at the place of death. The cost of a coffin or urn is not covered.

13. Accidental Death & Dismemberment The insurer agrees to pay up to the maximum sum insured selected at the time of application, not to exceed $150,000, for loss of life, limb or sight resulting directly from accidental injury, occurring during the period of cover- age, except while boarding, riding in, or disembarking from an aircraft. Accidental Death & Dismemberment Benefits are payable according to the following schedule:
a. 100% of sum insured resulting from the same accidental injury for loss of:
i. life; or
ii. entire sight of both eyes; or
iii. both hands; or
iv. both feet; or
v. one hand and entire sight of one eye; or
vi. one foot and entire sight of one eye.
b. 50% of sum insured resulting from the same accidental injury for loss of:
i. entire sight of one eye; or
ii. one hand; or
iii. one foot.

Loss of hand or hands, or foot or feet means severance through or above the wrist joint or ankle joint, respectively.
Loss of eye or eyes means total and irrecoverable loss of the entire sight. Only one amount is payable (the largest) if you suffer more than one of these losses.

14. Flight Accident The insurer agrees to pay up to a maximum sum insured of $50,000 for death or dismemberment (according to the benefit chart indicated under Accidental Death & Dismemberment above) as a result of an accident sustained during the period of coverage while entering, riding or leaving an airplane or helicopter flight lawfully operated by a licensed public air common carrier as a fare-ticket passenger.

15. Exposure and Disappearance If you are exposed to the elements or disappear as a result of an accident, a loss will be covered if:
a. as a result of such exposure, you suffer one of the losses specified in the schedule of losses above; or
b. your body has not been found within 52 weeks from the date of the accident it will be presumed, subject to evidence to the contrary, that you suffered loss of life.


EXTENSIONS:

If you decide to extend your trip, you may apply for a new period of coverage provided you meet the requirements in Eligibility of this policy. If you have incurred a claim, the Assistance Centre, on behalf of the insurer, will review your file before deciding on granting an extension. Each policy or period of coverage is considered a separate contract and all limitations and exclusions will apply.
NOTE: If you extend your trip for the purpose of returning to your country of origin, coverage outside Canada will be provided while you are in transit even if you do not spend the majority of the period of coverage in Canada if:
(a) the policy is purchased on or prior to the expiry date of an existing Destination: Canada policy; and
(b) the number of days in transit to your country of origin does not exceed 3 days.


SIDE TRIPS:

Costs incurred outside of Canada are covered provided the majority of the period of coverage is spent in Canada. Costs incurred in your country of origin are not covered.


REFUNDS:

When submitting your refund request, please send a written request to us by fax, mail or email before your coverage period ends, and include:
1. a copy of confirmation of coverage; and
2. confirmation of your early departure such as boarding pass or any other documentation to support your refund request. Refunds will only be considered by Destination Travel Group Inc when:
1. The entire trip is cancelled prior to the effective date.
2. You return to your country of origin prior to the expiry date.
3. You become insured under a Canadian provincial or territorial health/medical plan as long as you are not required to maintain coverage for work permit or other immigration purposes. A fee of $150 may be applied by The Destination: Travel Group Inc. if cancelling a policy issued for one year of consecutive coverage prior to the effective date. Partial refunds will be:
- calculated based on the date the refund request is received by The Destination: Travel Group Inc.; and
- subject to a $25.00 administration fee applied by The Destination: Travel Group Inc. and a minimum refund of $25.00.
Important Notes: Under no condition will a refund be made if a claim has been incurred or paid or is pending.


Exclusions:

This policy will not provide coverage, provide services, or pay claims for expenses incurred directly or indirectly as a result of:
(a) If at the time of application you are 79 years of age or under and selected Option 1: Any pre-existing medical condition unless it was stable in the 120 days immediately before the effective date.
(b) If at the time of application you are 79 years of age or under and selected Option 2: Any pre-existing medical condition.
(c) If at the time of application you are 80 years of age or over:
Any pre-existing medical condition.

(2) Any sickness for which symptoms occurred within:
• 48 hours after the effective date, if you are age 85 or younger on your effective date; or
• 15 days after the effective date, if you are age 86 or older on your effective date. except when this insurance is purchased:
(a) before the date of your arrival to Canada; or
(b) before the expiry date of your existing Visitors to Canada policy issued by the insurer and managed by The Destination: Travel Group Inc.; or
(c) before the date your existing coverage expires with another insurance company and there is no lapse in coverage. You must provide satisfactory proof of your previous insurance coverage.

(3) Any losses incurred when a diagnosis or treatment was received, prior to the effective date, for pancreatic cancer, liver cancer or any type of cancer that has metastasized (migrated to another organ from its original site).

(4) Costs incurred due to:
(i) Alzheimer’s disease or dementia;
(ii) any loss resulting from your minor mental or emotional disorder; and/or
(iii) your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.

(5) Act(s) of war, kidnapping, act(s) of terrorism caused directly or indirectly by nuclear, chemical or biological means, riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities, participation in a com- mercial sexual transaction or the commission or attempted commission of any criminal of- fence, contravention of any statutory law or regulation in the area where the loss occurred by you, a family member or travelling companion.

(6) Any sickness or injury when a trip is undertaken for the purpose of securing medical treatment or advice.

(7) Any loss, death or injury, if evidence supports that you were affected by, or the medical condition was in any way contributed to by:
• the abuse or chronic use of alcohol either before or during the period of coverage; or
• the use of prohibited drugs, or any other intoxicant either before or during the period of coverage; or
• the non-compliance with prescribed treatment or medical therapy either before or during the period of coverage; or
• the misuse of medication either before or during the period of coverage.

(8) Any medical consultation that is non-emergency, elective or the consequence of a prior elective procedure.

(9) Any medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy or travelling against the advice of a physician.

(10) Any treatment, investigation or hospitalization which is a continuation of, or subsequent to, emergency treatment of a medical condition, unless approved in advance by the Assistance Centre.

(11) Any treatment which can be reasonably delayed until you return to your country of origin (whether or not you intend to return) by the next available means of transportation, unless approved in advance by the Assistance Centre.

(12) Hospitalization or services rendered in connection with general health examinations for “check-up” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol or any other substance abuse.

(13) Any rehabilitation or convalescent care.

(14) Any loss incurred as a result of pregnancy, abortion, miscarriage, childbirth or complica- tions thereof.

15) Any sickness or injury resulting from a motor vehicle accident where you are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance.

(16) Dental or cosmetic surgery except when specified.

(17) Treatment or services that contravene, or are prohibited by legislation under a provincial or territorial hospital/medical plan.

(18) Naturopathic, holistic or acupuncture treatment.

(19) Costs that exceed the reasonable and customary rate for the area where the treatment or services are being performed.

(20) Any nuclear occurrence however caused.

(21) Any loss incurred when, prior to the effective date, Global Affairs Canada issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country.

(22) Any loss incurred outside of Canada when you have not spent the majority of the period of coverage in Canada.

(23) Any loss incurred inside your country of origin, which is other than Canada.

(24) Air travel other than as a passenger in a commercial aircraft licensed to carry passengers for hire, except while being transported under the terms of the Emergency
Transportation or Emergency Return Home benefits.

(25) Any loss resulting when you are a driver, the operator, a co-driver, a crew member or any other passenger on a commercial vehicle used for the purpose of delivering goods or car- rying a load. This exclusion is not applicable when the commercial vehicle is used during your trip solely for pleasure purposes and not used for delivering goods or carrying a load.

(26) Applicable to Accidental Death & Dismemberment Benefits only: Being an occupant of an aircraft, either as passenger or crew, or while boarding or disembarking from an aircraft.


Rates:

Visitors to Canada
Option 1: This option provides coverage for pre-existing conditions that were stable in the 120 days prior to the effective date.
Age/Sum $10,000 $25,000 $50,000 $100,000 $150,000 $300,000
0-25 $1.55 $2.10 $2.30 $3.10 $3.70 $6.00
26-40 $1.75 $2.30 $2.50 $3.60 $4.20 $6.50
41-60 $1.95 $2.70 $3.10 $4.60 $5.50 $8.25
61-64 $2.50 $3.75 $4.50 $5.40 $6.40 $9.20
65-69 $2.85 $4.20 $5.00 $6.90 $7.40 $10.90
70-74 $4.50 $5.85 $8.38 $9.50 $12.25 $17.63
75-79 $5.50 $6.90 $9.75 $11.80 $14.00 $20.38


Option 2: This option does NOT provide coverage for any pre-existing medical conditions.
Age/Sum $10,000 $25,000 $50,000 $100,000 $150,000 $300,000
0-25 $1.16 $1.58 $1.73 $2.33 $2.78 $4.50
26-40 $1.31 $1.73 $1.88 $2.70 $3.15 $4.88
41-60 $1.46 $2.03 $2.33 $3.45 $4.13 $6.19
61-64 $1.88 $2.81 $3.38 $4.05 $4.80 $6.90
65-69 $2.14 $3.15 $3.75 $5.18 $5.55 $8.18
70-74 $3.38 $4.39 $6.29 $7.13 $9.19 $13.22
75-79 $4.13 $5.18 $7.31 $8.85 $10.50 $15.29
80-85 $6.05 $9.41 $10.13 N/A N/A N/A
86+ $9.32 $14.50 N/A N/A N/A N/A