DAILY RATE |
$1.99 |
$2.24 |
$3.13 |
$1.66 |
ANNUAL RATE |
$675 |
$780 |
$1,080 |
$617 |
OVERALL LIMIT |
$2,000,000 |
$2,000,000 |
$2,000,000 |
$5,000,000 |
COVERAGE OUTSIDE CANADA |
51% of the coverage period must be within Canada. Travel worldwide is valid as long as the majority of time on the policy is spent in Canada. Your home country is excluded unless on a school-sponsored trip. Coverage in the USA is limited to 30 days. |
PRE-EXISTING MEDICAL CONDITIONS |
Must be stable 90 days prior to start date |
Must be stable 90 days prior to start date |
Must be stable 90 days prior to start date |
Covered for unexpected emergencies |
CORE MEDICAL |
HOSPITAL |
Overall limit; standard ward |
Overall limit; standard ward |
Overall limit; semi private room |
Overall limit; semi private room |
PHYSICIAN CHARGES |
Overall limit |
Overall limit |
Overall limit |
Overall limit, the cost of one annual medical examination by a physician in any consecutive 12-month period |
X-RAY, LAB & DIAGNOSTIC |
Overall limit |
Overall limit |
Overall limit |
Overall limit |
PRIVATE DUTY NURSING |
$12,000 |
$12,000 |
$15,000 |
$15,000 |
EQUIPMENT & SUPPLIES |
Overall limit |
Overall limit |
Overall limit |
Overall limit |
PRESCRIPTION MEDICATION |
30-day supply |
30-day supply |
60-day supply |
Limited to a 60-day supply |
VACCINATION |
Excluded. Up to a maximum of $150 for vaccinations and/or tuberculosis testing in any consecutive 12-month period, provided a minimum of six (6) months of consecutive coverage has been purchased. |
MENTAL HEALTH CARE |
INPATIENT |
$10,000 |
$10,000 |
$15,000 |
Up to $60,000 for psychiatric hospitalization. Up to $60,000 for psychiatric services on an inpatient basis |
OUTPATIENT |
$500 |
$500 |
$1,000 |
Up to $10,000 for outpatient visits to a psychiatrist, psychologist, or social worker |
DENTAL |
ACCIDENT |
$2,500 |
$4,000 |
$4,000 |
$4,000 |
EMERGENCY/ WISDOM TEETH |
No Coverage |
$600/ Included in emergency limit |
$600/ Included in emergency limit |
$600/ Included in emergency limit |
PARAMEDICAL PRACTITIONERS |
PHYSIOTHERAPIST, OSTEOPATH, CHIROPRACTOR CHIROPODIST, CHIROPODIST, PODIATRIST |
No Coverage |
$500 |
$600 |
$600 |
MASSAGE THERAPY |
No Coverage |
$500 |
$600 |
$600 |
ACUPUNCTURIST |
No Coverage |
No Coverage |
$600 |
$600 |
TRANSPORTATION & REPATRIATION |
LAND AMBULANCE / TAXI IN LIEU OF AMBULANCE |
$10,000 per insured person |
$10,000 per incident |
$10,000 per incident |
$10,000 per incident |
TAXI IN LIEU OF AMBULANCE |
$100 |
$100 |
$100 |
$100 |
AIR AMBULANCE/EVACUATION |
Maximum limit of $250,000 |
$250,000 |
$250,000 |
$250,000 |
MEDICAL REPATRIATION |
Maximum limit of $5,000 |
Included in Air Ambulance/Evacuation |
Included in Air Ambulance/Evacuation |
Included in Air Ambulance/Evacuation |
RETURN HOME BENEFIT |
Maximum limit of $5,000 |
Included in Air Ambulance/Evacuation |
Included in Air Ambulance/Evacuation |
Included in Air Ambulance/Evacuation |
REPATRIATION OF REMAINS |
$5,000 |
$10,000 |
$15,000 |
$15,000 |
BURIAL OR CREMATION IN LIEU OF REPATRIATION |
$5,000 |
$10,000 |
$15,000 |
$15,000 |
AD&D |
$15,000 |
$15,000 |
$15,000 |
$15,000 |
AIR FLIGHT / COMMON CARRIER ACCIDENT |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
FAMILY OR FRIEND TRANSPORTATION |
No Coverage |
$5,000; up to 2 family members |
$5,000; up to 2 family members |
$5,000; up to 2 family members |
INCIDENTAL EXPENSES |
No Coverage |
$1,500 |
$1,500 |
$1,500 |
ADDITIONAL BENEFITS |
MATERNITY |
$5,000 |
$10,000 |
$15,000 |
$15,000 |
EYE EXAM |
No Coverage |
$100 |
$100 |
$100 |
ANNUAL PHYSICAL EXAM |
No Coverage |
$100 |
$150 |
$150 |
SEXUAL HEALTH EXAM |
No Coverage |
No Coverage |
$100 |
$100 |
TRAUMA COUNSELLING |
No Coverage |
6 sessions |
6 sessions |
6 sessions |
TUTORING BENEFIT |
No Coverage |
Up to $400 |
Up to $400 |
Up to $400 |
MENTAL HEALTH AND WELLNESS PHONELINE |
No Coverage |
No Coverage |
Included |
Included |
