GMS Immigrants & Visitors To Canada Emergency Medical Insurance

English Note






All applicants are subject to the eligibility section. If you are fifty-five years of age or older you must meet additional eligibility where indicated.            This plan is not offerred in Quebec and New Brunswick.

If any of the following conditions apply on the application date, unless otherwise stated, you are not eligible to purchase this plan.

1. You are not eligible to purchase this plan if: are covered under a government health plan; will be eighty years of age or older as of the effective date; have reason to seek medical attention when applying; are applying for coverage while in Canada and;

        i. have incurred medical treatment (whether a claim was submitted ot not) in excess of $5,000 in the twelve months immediately prior to applying; to

        ii. have been refused coverage by any other insurer who provides similar coverage.


2.You are not eligible to purchase this plan if you are fifty-five years of age ot older and:

     A.within the twelve months prior to applying you have been diagnosed with any of the following conditions or you have any of the following conditions which have not been stable for twelve months prior to applying:

         i.Acquired Immune Deficiency Syndrome(AIDS);

         ii.a terminal illness(advanced stage of a progressive disease with an unfavourable prognosis and no known cure);

         iii. atrial flutter;

        iv. atrial/ventricular fibrillation;

        v.peripheral vascular disease;

        vi.stroke/transient ischemic attack(TIA);

         vii.blood clot(s);

         viii. congestive heart failure;

         ix. gastrointestinal bleeding; and/or

         x. kidney/liver failure; or have undergone renal dialysis, valve replacement or an organ transplant; are awaiting further tests or medical treatment for heart disease;

    D. you require insulin to treat diabetes and also take prescription medication for heart disease;

    E. you have any medcial condition necessitating  the use of home oxygen; take oral steroids for a lung conditon;

    G. you have been diagnosd with metastatic cancer; are under active medical treatment for  cancer;

    I. you have a vasculer aneurysm that remains surgically untreated;

   J. you have experienced undiagnosed episode of fainting or falling (syncope); have an Implantable Cardioverter Defribrillator(ICD) ; or

   L. you are seventy years of age or older and require assistance from another person(s) with activities of daily living (ADL) which include. but are not limited to, personal hygiene and grooming; dressing and undressing; self-feeding, functional transfers (getting into and out of bed or a wheelchair,getting onto the toilet or off the toilet, etc.);bowel and bladder management; and/or medication management.

The maximum number of days that may be purchased per policy is one year per trip, for additional coverage you must reapply and meet all eligibility conditions.

Should any changes in your health occur after the application date and prior to the effective date, GMS must be notified and your application updated. A change in health may affect your eliglibility for coverage. Changes to your health that do not affect eligibility will still constitute a change in stability and may limit your available coverage.



Content Explanation
Coverage $25,000、$50,000、$100,000 and $150,000
Deductible $0、$100、$500 and $1,000 (per claim)
Duration of coverage maximum 365 days
Minimum Premium Non
Family Plan Non
Side Trip up to 30 days per trip, provided more than 51% in Canada and originating and terminating in Canada.
Waiting Period 48 hours if purchasing within 30 days after arrival in Canada, and 7 days if purchasing more than 30 days after arrival in Canada
Stable Pre-existing Conditions                                         180 days immediately prior to the effective date
Refund fully refunded before the effective date of the policy. partially refunded (less $40 administration fee) if returning to your country of origin with no claim incurred during your trip.




Content Explanation
In-hosptial Care Yes
Medical Services Medical treatment by a physician or surgeon
Diagnostic Services X-ray and other diagnostic tests. Some test, for example, MRI,CT,sonograms,ultrasounds and biopsies need to be pre-authorized by GMS
Out-patient Treatment Out-patient medical emergency room expenses
Prescription Medication a maximum 30 day prescription
Ambulance Yes
Health Practitioners up to $300 per person for emergency services of an osteropath, physiotherapist,chiropractor,chiropodist and/or podiatrist
Accidental Dental up to $2,000 per person for the repair or replacement ot natural teeth ot permanently attached artificial teeth necessitated by an accidental blow to the mouth. up to $250 for medical treat of the relief of dental pain
Return of Remains up to $10,000 for either the preparation or transportation of the deceased to his/her destination in Canada ot country of origin. or up to $4,000 for cremation or burial at the place of death.
Child Care up to $500, with prior GMS approval, for licensed care of dependent children while hospitalizing due to a medical emergency
Out-of-pocket Expenses           Up to $150 per day to a maximum of of $1,000  pre-approved by GMS for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member in the event that you are hospitalized on the scheduled return date.
Repatriation to Country of Origin         up to $5,000, including expenses for one-way air transportation for one accompanying family member insured under your policy.


Before going to see doctor, be advised to contact Canada Travel Insurance Online Inc first and we will facilitate your claim process.
If necessary, call GMS travel assistance: 
From Canada ans US, 1-800-459-6604
From anywhere, collect call 1-905-762-5196
If you experience a medical emergency, you must notify GMS assistance centre prior to treatment,where possible, and on later than 24 hours after receiving medical treatment or being admitted to hospital.
Please hold original receipts and bills, doctor's reoprt/notes during the medical treatment for claim purposes.

The language in this summary may not be the same as the legal and technical terminology found in the official policy wording. In all instances, the official policy wording  will prevail. For complete details, refer to the policy wording, which is available in the attachment of every plan's page in our website.

Attachment Size
GMS-Claim_Form.pdf (123.78 KB) 123.78 KB
GMS VTC Eligibility Questions.pdf (1.32 MB) 1.32 MB
GMS VTC Eligibility Questions Chinese Version.pdf (666.35 KB) 666.35 KB
GMS-Immigrants-Visitors-Policy-Wording-0605CA21.pdf (271.43 KB) 271.43 KB