GMS Immigrants & Visitors to Canada

PRICING FACTORS:

Factor	Details
Options for Coverage Maximum:	$25,000 – $50,000 – $100,000 – $150,000
Deductible options:	$0, $100, $500 and $1000 Savings from deductible do vary in the percent saved based age and overall maximum insured
Age Restrictions:	Offers coverage for clients up to 79 years of age.
Changes Prior to Effected Date:	Dates can be changed up until Effective Date Policies can be cancelled up until Effective Date No change or cancellation fees
Refunds for Returning Early:	Subject to no claims being made against your policy Refund amount minimum $5 per Policy Must supply MQIB with Proof of Return Subject to a $40 Administration Fee
Extensions after effective date:	Subject answering no the 3 questions below Have you had any claims, or do you plan to submit a claim against your policy? Have you had any changes to your health or medication since departing? Have any Pre-Existing Medical Conditions NOT remained stable?

 

BENEFIT HIGHLIGHTS:

For a Full List of Benefits Click Here

Benefit	Details
Emergency Medical Coverage:	Emergency Medical Coverage for accidents, injury or sickness – Includes ambulance transportation costs, hospital accommodation and care, out patient treatment, diagnostic testing, physician and nursing services, surgery, medical supplies, equipment and medication up to maximum sum insured.
Pre-Existing Medical Conditions:	Coverage for pre-existing conditions is available if your condition meets the “stable and controlled” requirements of the plan (180 days prior to your effective date).
Emergency Return Home:	Expenses for the use of an air ambulance or regularly scheduled airline to transport you back to your destination in Canada or your country of origin for further in-hospital treatment.
Accidental Dental Coverage:	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 and up to $250 for the relief of Dental pain.
Repatriation of Remains:	If you should pass away while in Canada, the expenses for either the preparation and transportation of your remains 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

 

Please note: All benefits must be pre-approved by the insurance company by calling the phone number provided on the confirmation of insurance/Wallet Card provided upon the purchase of the policy. Any policy purchased after arrival, waiting periods apply where no benefits will be paid for expenses incurred.

 

Policy Wording
The Policy Wording has a full explanation of the benefits available and the exclusions as they apply to all travelers. We strongly recommend you take the time to read through it and let us know if you have any questions or concerns. The policy wording for this plan can be found under the policy documents section near the top of the page as well as the links below. We have linked each section to the specific page the the section starts on to make it easier for you.
Eligibility – Starts on page 1- Click Here Beginning and End of Coverage – Starts on page 3 – Click Here Extensions – Starts on page 5 – Click Here Cancellation and Refunds – Starts on page 4 – Click Here Benefits – Starts on page 1 – Click Here Exclusions and Limitation – Starts on page 2 – Click Here Coordination with Other Insurance – Starts on page 3 – Click Here Claim information – Starts on page 5 – Click Here Statutory Conditions – Starts on page 4 – Click Here Definitions – Starts on page 5- Click Here

 

Underwritten by Group Medical Services