| Coverage Detail | GMS | TIC | Ontario Blue Cross | Manulife Financial | ||||||
| Single Trip Plan | Visitors to Canada Plan | Visitor to Canada Plan | Landed Immigrants Plan | Foreign Students Plan | Foreign Workers Plan |
Single Trip Emergency Medical - Plan A |
Single Trip Emergency Medical - Plan B |
Multi Trip Emergency Medical - Plan A |
Multi Trip Emergency Medical - Plan B |
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| Sum Insured | $25,000, $50,000, $100,000 or $150,000 | $10,000, $25,000, $50,000, $100,000 or $150,000 | $100,000 or $150,00 | $100,000 | $100,000 | $100,000 |
Up to 85 years old: $15,000, $25,00, $50,000 or $100,000 Up to 69 years old: - same as above, as well as $150,000 |
- same as Plan A to the left | $150,000 | $150,000 |
| Trip Duration | - up to 180 days, not extendable if 55 or older | - up to 365 days | - up to 180 days | - up to 365 days | - up to 365 days | - up to 365 days | - up to 365 days | - up to 365 days | - 365 days (coverage for entire year) | - 365 days (coverage for entire year) |
| Deductible | $1,000, $500, $100 or 0$ | $50, $100 or $250 | not an option (0$) | not an option (0$) | not an option (0$) | not an option (0$) | 0$, default of $75, $500 or $1,000 | 0$, default of $75, $500 or $1,000 | 0$, default of $75, $500 or $1,000 | 0$, default of $75, $500 or $1,000 |
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Emergency Medical/Health Services: |
Physician's Fees: - medical charges for treatment by a physician or surgeon. Diagnostic Services: X-rays and other diagnostic tests. Out-Patient Treatment: out-patient emergency room expenses. Prescription Drugs: drugs and medication obtained on the prescription of the attending physician and supplied by a licensed pharmacist, to a maximum of 30 day prescription. Paramedical Services: expenses, up to an aggregate maximum of $300 per person, for the emergency services of an osteopath, physiotherapist, chiropractor, chiropodist and/or podiatrist. |
Physician's Fees: - emergency medical, surgical or anaesthetic services when performed and authorized by a physician. Diagnostic Services: lab tests and X-ray exams ordered by a physician. Out-Patient Treatment: - emergency out-patient hospital services. Prescription Drugs: one month’s supply to a maximum of $500. Paramedical Services: - physiotherapist or chiropractor, when ordered by a physician, to a maximum of $500 Nursing Care: Registered Nurse when approved in advance by TIC, up to $10,000. Medical Appliances: rental of crutches or hospital-type bed; and the cost of splints, trusses, braces or other prosthetics. |
Physician's Fees: - medical charges for physician, surgeon or anesthetist Diagnostic Services: - tests and x-rays Prescription Drugs: - when required as part of emergency treatment. Nursing Care: - registered nurse for private care. Medical Appliances: - when prescribed by physician (e.g. wheelchair, crutches) - max. of sum insured |
- same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left |
Physician's Fees: - Medical care received from a physician in or out of a hospital Nursing Care: - services of a licensed private duty nurse while in hospital. Diagnostic Services: - tests that are needed to diagnose or find out more about your condition Prescription Drugs: drugs that are prescribed for you and are available only by prescription from a physician or dentist. Medical Appliances: - rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance. |
- same as Plan A to the left | - same as Plan A to the left |
| Emergency Hospital Services | - accommodations up to semi-private rooms and hospital services and supplies necessary for emergency care during hospitalization. | - semi-private hospital accomodations |
- expenses for ward accommodation. - semi-private/private not covered |
- same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - cost of hospital room (semi-private room when available or intensive care unit when necessary) | - same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Emergency Ambulance Service | Expenses for the use of a licensed road or air ambulance (excludes helicopter transports). | Licensed local air, land, or sea ambulance (including mountain or sea evacuation), when necessary, to the nearest hospital. | - local ambulance or air ambulance to nearest accredited medical facility | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | Reasonable and customary charges for local licensed ground ambulance service and/or air ambulance service (if approved in advance) to a qualified medical service provider. | - same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Accidental Dental | Expenses for the repair or replacement of natural teeth or permanently attached artificial teeth necessitated by an accidental blow to the mouth, to a maximum of $2,000 per person. | Up to $3,000 for repair or replacement of whole or sound natural teeth caused by an accidental blow to the face |
- treatment necessitated by an external injury - max. of $1,000/accident/person |
- same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | -If you suffer from an accidental blow to the mouth, up to $3,000 to repair or replace your natural or permanently attached artificial teeth. | - same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Repatriation to Residence |
- coordination of all medical care, transportation and repatriation | - 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. - Includes one additional insured family member. |
- repatriation of covered person to residence for medical attention, following
authorization by attending physician and CanAssistance - simultaneous repatriation of immediate insured family member (if unable to return to the departure point that was initially planned) - round-trip ticket for a medical attendant |
- same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left |
- the extra cost of an economy class fare, or stretcher fare, via the most
cost-effective itinerary to receive immediate medical attention. - the return economy class fare of a qualified medical attendant via the most cost-effective itinerary to accompany you, and the attendant’s reasonable fees and expenses |
- same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Return of Vehicle | - not covered | - not covered |
- must be authorized by CanAssistance first -- max. refund of $1,000 |
- same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - not covered todo check with krista | - same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Return of Deceased | Expenses for either the preparation and transportation of the deceased to his/her destination in Canada or country of origin, to a maximum of $3,000 per person, or the expense of cremation or burial at the place of death, to a maximum of $2,000. | In the event of death, up to $10,000 is provided to return your body home, or up to $4,000 for cremation or burial at the place of death. | - up to $5,000 for the cost of preparation ands transportation of the deceased (excluding coffin cost), to the place of residence, or up to $3,000 for the cost of burial/cremation at place of death. | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left |
- the return home of your body, preparation of body or cremation. - up to $3,000 |
- same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Follow Ups | One follow-up visit (excluding on-going treatment) is covered in situations where the medical process in dealing with the emergency requires such a follow-up visit. Must occur within 14 days of the emergency. | Up to 3 follow-up visits, unless otherwise approved by TIC, are covered provided they are directly related to the emergency and the emergency has been reported to TIC. | - Up to 2 follow-up visits | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | Follow-up visits are covered until the attending physician, or our medical advisors, declare the end of the medical emergency. | - same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Subsistence Allowance | - reimbursement for reasonable expenses, up to $150 per day to a maximum of $1,000, for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member in the event that you are hospitalized (must be pre-approved by GMS). |
- 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 travelling companion) are confined to hospital on the
date on which you are scheduled to return home. - Coverage for accommodation, meals, child care costs, etc. |
- accommodation and meals when insured's return must be delayed due to illness
or injury (to insured or immediate family member or travelling companion) - up to $1,000 ($100 per day for max. of 10 days) |
- same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left |
- up to $150 per day, to a maximum of $1,500 for your extra hotel, meals,
essential calls and taxi fares. - expenses only covered if you have actually paid for allowances. |
- same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Accidental Death and Dismemberment |
- not available | Up to the aggregate limit selected at the time of application for accidental loss of life, limb, or sight. | - not available | - not available | - not available | - not available | - not available todo check with krista | - same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Terrorism, War and Conflicts | - not covered | If you sustain a loss from an act of terrorism that is otherwise covered under this plan, TIC will pay up to an aggregate limit of $2.5 million for one or a series of such acts and up to $5 million for all such acts in a calendar year involving all TIC-issued policies. Terrorism from nuclear, biological or chemical means is excluded. | - not covered | - not covered | - not covered | - not covered | - not covered | - same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
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Effective Date of Coverage and Waiting Periods |
Coverage starts on the latest of the following: - on your effective date of insurance as shown on your application; or: - the date you arrive in Canada from your country of origin (there is a 48 hour waiting period). |
Coverage starts on the latest of the following: - the date and time the completed application and premium are accepted by TIC or its representative; or: - the date indicated as the effective date in your confirmation of coverage; or: - the date/time you exit your country of origin. Waiting Periods: if you purchase your policy: a) after you have exited your country of origin; or b) less than 5 days prior to the expiry date of your existing TIC policy; or c) after the expiry date of an existing TIC policy, then coverage for losses resulting from any sickness will begin 48 hours after the effective date. Any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period. |
Coverage starts on the latest of the following: - the date the contract comes into force - the date of arrival in Canada if the insurance is purchased prior to arrival in Canada - 72 hours following purchase, if purchased within 30 days of arrival in Canada |
- same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left |
The later of: - effective date of insurance - time and date you arrive in Canada from home Waiting Period: - waived in case of accidental bodily injury Except in the case of accidental bodily injury, a waiting period of todo applies if you purchased insurance after arrriving in Canada |
- same as Single Trip Emergency Medical (Plan A) to the immediate left |
The later of: - the time and date you initally arrive in Canada from home - thereafter, the time and date of each arrival in Canada - Except in the case of accidental bodily injury, a waiting period of todo applies if you purchased insurance after arrriving in Canada |
- same as Multi Trip Emergency Medical (Plan A) to the immediate left |
| Termination Date of Coverage |
Coverage ends on the earliest of the following: - when you leave Canada to return to your country of origin; - when your period of coverage ends; - date GMS returns you to your country of origin; - the first day you become insured under a government plan. |
Coverage ends on the earliest of the following: - the date and time you arrive in your country of origin; or: - the date indicated as the expiry date in your confirmation of coverage; or: - the date you become eligible for coverage under a Canadian government health insurance plan. |
Coverage ends on the first of the following dates: - the expiry date of the contract, or: - the departure date from Canada, whether planned or premature, or: - the date government coverage is effective, or: - the date the covered person is no longer eligible. |
- same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left |
The earliest of: a) the date you return home; or b) when your trip ends or your policy expires as shown in your confirmation; or c) 365 days after your effective date of insurance; or d) on the first day you become insured under a government health insurance plan, or e) when the number of days of coverage you purchase expires. |
- same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |
| Refund of Premium | A full refund is available if the entire trip is cancelled prior
to the effective date of coverage. A partial refund is available if: a) You return to your country of origin and a minimum of thirty (30) days remains unused on the policy; or b) You become eligible and covered under a provincial or territorial Government plan during the period of coverage. No refunds are available if claims have been incurred under this insurance plan. All refunds are subject to an administration fee of $20 per policy and no refund will be issued for amounts under $5. |
Refunds are payable when: - The entire trip is cancelled prior to the effective date. - You return to your country of origin 15 days or more prior to the expiry date. - You become insured under a Canadian provincial or territorial health/medical plan. Premium refunds must be obtained from the agent where coverage was originally purchased unless purchased directly from TIC. - There will be no refund of premium if any losses have been incurred whether or not a claim has been made. Premiums which are 100% refundable are subject to a $10 administration fee. |
- must be submitted to the Insurer's authorized agent from whom the insurance
was purchased, before the effective date of the contract. - following an early return, a refund could be made for the unused days, provided no claim was submitted and no claim file is opened. - administrative fees of $25 per contract are deducted from any refund, except for refund due to cancellation of the contract before the effective date of the contract. |
- same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left | - same as Visitor to Canada Plan to the left |
Available if: - you cancel your policy before the effective date of insurance - you return home before scheduled date as per your confirmation, and have not had a claim - you can ask for a refund for the unused days of your trip (minimum of $25) - you must provide proof of the date you returned home |
- same as Plan A to the left | - same as Plan A to the left | - same as Plan A to the left |