Emergency Medical Insurance
Applies to the Basic or Enhanced coverage
1. Unlimited emergency medical expenses
This insurance covers medical expenses related to the following when required as part of the emergency treatment and ordered by a licensed physician during your trip:
- emergency treatment, other than dental treatment;
- the services of a licensed private duty nurse while you are hospitalized;
- the lesser of the rental or purchase of a hospital-type bed, a wheelchair, brace, crutches and other medical appliances;
- diagnostic testing, when pre-authorized by Assured Assistance Inc.; and
- prescription drugs.
2. Hospital allowance
This insurance covers your reimbursement up to $50 per day to a maximum of $500 for your incidental hospital expenses (telephone calls, television rental), while you are hospitalized for at least 48 hours.
3. Other emergency services
This insurance covers expenses for emergency treatment by a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, to a maximum of $300 per profession.
4. Ground ambulance
This insurance covers you for local ground ambulance service to a hospital, physician or medical service provider in an emergency. We will pay for local taxi fare in lieu of local ground ambulance service, where an ambulance is medically required but not available.
5. Repatriation of your remains
If, during your trip, you die from a medical condition covered under this insurance, the insurance covers:
- the transportation of your remains in the common carrier's standard transportation container to your departure point, and up to $5,000 for the preparation of your remains and for the cost of the common carrier's standard transportation container; or
- the transportation of your remains to your departure point and up to $5,000 for the cremation of your remains at the location where your death occurred; or
- up to $5,000 for the preparation of your remains and the cost of a standard burial container and up to $5,000 for the burial of your remains at the location where your death occurred.
If someone is legally required to identify your remains, this insurance covers the cost of a return economy air fare on a commercial flight via the most cost effective route and up to $500 for commercial accommodations and meals for that person. That person is covered under the terms of your insurance during the period in which he/she is required to identify your remains, but for no longer than 3 business days.
6. Return to your departure point
If the physician treating you recommends to us in writing that you return to your country of residence because of your medical condition in order to receive emergency medical attention, or if the medical advisors of Assured Assistance Inc. determine that you are able to and recommend that you return to your country of residence following your emergency treatment, this insurance covers you for one or more of the following, when preauthorized and arranged by Assured Assistance Inc., when medically essential:
- the extra cost of a one-way economy air fare on a commercial flight via the most cost effective route to your departure point to receive immediate emergency medical attention; or
- the cost of a stretcher fare on a commercial flight via the most cost effective route to your departure point, if a stretcher is medically necessary; and
- the cost of a return economy air fare on a commercial flight via the most cost effective route and the usual fees and expenses for a qualified medical attendant to accompany you, when the attendant is medically necessary or required by the airline; or
- the cost of air ambulance transportation if it is medically essential.
7. Return to your trip destination
- This benefit is subject to the pre-authorization of Assured Assistance Inc.
- This insurance covers you for a one-way economy airfare on a commercial flight via the most cost effective route to your scheduled trip destination after you are returned to your departure point to receive immediate medical attention, provided your attending physician determines that you require no further medical attention for your medical condition. Your trip to return to your scheduled trip destination must occur during your period of insurance originally provided by this benefit.
- This benefit can only be used once during your trip.
- Once you return to your trip destination, a recurrence of the initial medical condition or related condition will not be covered under the Certificate of Insurance.
- When this benefit is provided to you, your effective date under the Certificate of Insurance becomes the day you leave your departure point to return to your trip destination.
8. Subsistence allowance
- This benefit is subject to the pre-authorization of Assured Assistance Inc.
- This insurance covers your reimbursement up to $175 per day to a maximum of $1,750 for your commercial accommodations and meals, essential telephone calls, internet usage fees, and taxi fares (or rental car in lieu of taxi fares), if, upon physician's advice:
- you, or your travelling companion, are relocated to receive medical attention; or
- you are delayed beyond your return date in order to receive emergency treatment or because your travelling companion requires emergency treatment, for an emergency medical condition covered under this insurance.
9. Bedside companion's travel to your bedside
- This benefit is subject to the pre-authorization of Assured Assistance Inc.
- If you are travelling alone and hospitalized during your trip, then in the event a bedside companion is required, this insurance covers:
- the cost of a return economy air fare on a commercial flight via the most cost effective route;
- up to $500 for commercial accommodations and meals for the bedside companion; and
- your bedside companion is insured under the terms of your insurance during the period in which this person is required as your bedside companion.
- If you are over age 20, and physically or mentally handicapped, or under age 21 and dependant on your bedside companion for support, this insurance provides this benefit to you as soon as you are admitted to a hospital.
10. Emergency dental treatment
This insurance covers the following dental expenses when required as emergency treatment and ordered by or received from a licensed dentist:
- if you need dental treatment to repair or replace your natural or permanently attached artificial teeth because of an accidental blow to your face, you are covered for the emergency dental expenses you incur during your trip and you are also covered up to a maximum of $1,500 to continue necessary treatment after your return to Canada. However, this treatment must be completed within 180 days after the accident.
- if you need other emergency dental treatment, you are covered for the emergency dental expenses you incur during your trip, up to a maximum of $300, and the complete cost of prescription drugs.
11. Return of vehicle
If, as a result of a medical emergency during your trip, you are unable to return a vehicle to its point of origin, this insurance covers the reasonable costs for a commercial agency to return the vehicle to your residence or to a commercial rental agency, when pre-authorized by Assured Assistance Inc.
12. Return of children and escort for children to their departure point
If children insured under one of our emergency medical insurances travel with you or join you during your trip and you are hospitalized for more than 24 hours or you must return to Canada because of your emergency medical condition covered under this insurance, this insurance covers:
- the extra cost of a one-way economy air fare on a commercial flight via the most cost effective route for the return of those children to their departure point; and
- the cost of a return economy air fare via the most cost effective route on a commercial flight for an escort, if the airline requires that the children be escorted.
13. Return of travelling companion
If you are travelling with a travelling companion, this insurance covers one travelling companion for the extra cost of a one-way economy air fare on a commercial flight via the most cost effective route to your departure point, if you must return to Canada because of a medical condition covered under this insurance.
14. Return of your dog or cat
- This benefit is subject to the pre-authorization of Assured Assistance Inc.
- If your domestic dog(s) or cat(s) travel with you during your trip and you must return to Canada because of your emergency medical condition covered under this insurance, this insurance covers the cost of one-way transportation up to a maximum of $500 to return your domestic dog(s) or cat(s) to your departure point.
15. Return of your excess baggage
- This benefit is subject to the pre-authorization of Assured Assistance Inc.
- If you return to your departure point by air ambulance (pre-authorized by Assured Assistance Inc.) because of your emergency medical condition, this insurance covers the cost to return your excess baggage up to a maximum of $500.
Please refer to the Certificate of Insurance for full details.
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