Pre-existing Coverage
For age 79 and under, Yes. If stable 120 days before effective date
Waiting Period
For age 85 or under, purchase anytime after arrival, 48 hours waiting period; Age 86 and over, 15 days waiting period. If you purchased this policy 183 days or more after your arrival in Canada, there is a 7 days waiting period.
Deductible
Age 85 and under, $0/$50 deductible; Age 86 and above, $500 per cover trip
Air Flight & AD&D
Cover Air flight accident up to sum insured
Medical Questionnaire
No medical questionnaire required
Travel Outside of Canada
Cover anywhere traveling except own country, provided more than 50%time in Canada
Cancellation
No charge before effective date; $25 after; net amount less than $10 will not be refund
Follow up Visit
Up to $3,000
Minimum Premium
$25
Claim
Around 4-6 weeks processing
Special Features
Cover Acupuncture up to$500 purchase 1 year policy; Caculate premium base on application date not effective date
Extension
If no claim, process online within 7 days before policy expires; if have claim, call to extend, subject to approval
