Eligibility
Applicant must:
Be 65 years old or less
Be not eligible for a provincial or territorial government health insurance plan in Canada
Be a student and provide proof of admission and registration at a recognized Canadian institution of learning
Be a student completing post-doctorate research in a recognized Canadian institution of learning
Features
Maximum liability: $1,000,000 CAD
Premium
For 14 - 324 days of coverage: $1.45 CAD per day
For 325 - 365 days of coverage: $470 CAD one price
(Please contact us to purchase coverage longer than 324 days)
Minimum premium: $20 CAD per insured
No deductible
Maximum period of coverage: 365 days
Worldwide travel coverage
Provided the majority (51%) of your period of coverage is spent in Canada except the country of origin (Visit to the U.S.A is limited to 30 days)
Pre-existing condition
Pre-existing conditions are covered if stable in the 90 days prior to effective date of the policy
Waiting period
No coverage if sickness or injury is confining you to hospital or that is under active treatment on the effective date of the policy
Benefits
Hospital accommodation
Up to 60 days per sickness or injury / semi-private room / out-patient consultations
Psychiatric treatment
Up to $10,000 CAD when admitted to hospital
Up to $1,000 CAD for out-patient consultations
Physician charges: medical treatment by a physician
Diagnosis services: laboratory test and X-rays
Trauma counseling: 6 sessions
Paramedical services: up to $500 CAD per profession
Speech therapist, physiotherapist, osteopath, naturopath, acupuncturist, chiropractor, chiropodist, podiatrist
Prescription Drugs: limited to 30 days supply per prescription
Private duty nursing: up to $10,000 CAD per sickness or injury
Medical appliances
Crutches, casts, splints, canes, and other
Up to $200 CAD for prescription glasses or contact lenses
Up to $300 for hearing aids, when required after an emergency for which hospitalization was required
Treatment of dental accident: up to $4,000 CAD
Emergency relief of dental pain: up to $600 CAD
When a minimum of 180 days of coverage has been purchased
Impacted wisdom tooth: up to $100 CAD per tooth for extraction of wisdom teeth
Ambulance services: when medically necessary
Emergency air transportation: when approved in advance and medically necessary
Family transportation and subsistence allowance: Up to $5,000 CAD
For single round-trip economy airfare for one immediate family member including $150 per day for meals and accommodations
Return to country of origin: up to $5,000 CAD
For one-way economy airfare for return to home country for immediate medical care
Preparation and return of remains: up to $10,000 CAD
Annual medical examination:
When a minimum of 180 days of coverage has been purchased
Up to $100 CAD for one examination and related tests
Up to $100 CAD for one consultation for the prescription of the morning after pill
Maternity: up to $1,000 CAD
For emergency and non-emergency medical care related to a pregnancy (excludes childbirth and voluntary termination of pregnancy)
The pregnancy must start after the effective date
Eye examination:
When a minimum of 180 days of coverage has been purchased
$100 CAD per an eye examination by an optometrist or ophthalmologist
Psychologist: up to $500 CAD
Accessibility corrective device, malfunction and theft protection
Up to $1,000 CAD replace or repair a corrective device
Accidental death: $15,000 CAD
Accidental dismemberment or total permanent loss of use of limb or sight: up to $15,000 CAD
Air flight/common carrier accident: up to $100,000 CAD in case of death
Claim
In the event of hospitalization, you must contact Global Excel within 48 hours of admission. Failure to make such notification will limit the total amount payable to 80% of all eligible expenses incurred
The claims representatives are here to assist you 24 hours a day, seven days a week.
In Canada & USA: 1-800-715-8833
From Mexico: 001-800-514-1518
From anywhere: 819-566-8839
ETFS Brochure (Eng)
