GMS Immigrants & Visitors To Canada Emergency Medical Insurance

English Note

 

 

 

This plan is not offered in Quebec and New Brunswick.

 

Eligibility

Under 55 years of age

  1. Do you have any reason to seek medical treatment, excluding the regular care of a chronic condition or medical evaluation required to satisfy travel visa requirements?
  2. If you are currently in Canada, have you ever been denied similar coverage offered by another Canadian insurer?
  3. If you are currently in Canada, have you had more than $5,000 in medical treatment in the last 12 months while in Canada?

Between 55 and 69 years of age

  1. Do you have any reason to seek medical treatment, excluding the regular care of a chronic condition or medical evaluation required to satisfy travel visa requirements?
  2. If you are currently in Canada, have you ever been denied similar coverage offered by another Canadian insurer?
  3. If you are currently in Canada, have you had more than $5,000 in medical treatment in the last 12 months while in Canada?
  4. Are you: a. expecting medical treatment for heart disease; b. waiting for a test(s) for a suspected heart condition; and/or c. taking prescription drugs for heart disease while taking insulin to treat diabetes?
  5. Do you have an Implantable Cardioverter Defibrillator (ICD)?
  6. Have you fainted or fallen more than once without medical diagnosis (syncope)?
  7. Do you use home oxygen for a medical condition?
  8. Do you take oral steroids to treat a lung condition?
  9. Are you being treated for cancer or have Metastatic Cancer?
  10. Do you have a vascular aneurysm that is surgically untreated?
  11. Have you ever had: a. a valve replacement, b. kidney (renal) dialysis, or c. an organ transplant?
  12. Were you diagnosed, did you receive new medical treatment (e.g. consultation, tests or prescription drugs); or did you have a change in your medical treatment (e.g. a stop, start or dosage change to a prescription drug, other than a dosage change of Coumadin or Warfarin) for any of the following conditions in the last twelve (12) months: a. congestive heart failure, b. atrial flutter, c. atrial/ventricular fibrillation, d. peripheral vascular disease, e. stroke/transient ischemic attack (TIA), f. acquired immune deficiency syndrome (AIDS), g. terminal illness, h. blood clot(s),or i. gastrointestinal bleeding?

Between 70 and 79 years of age

You must answer “no” to all questions for applicants between 55 and 69 years of age, PLUS the following question. Do you need help from another person(s) with activities of daily living (ADL)?

 

 

Features

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.

 

 

Benefits

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 $300 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.

 

Claim
 
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.
 
 
Purchase Express: Click here
 
 

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
承保资格问卷英文原版 (91.06 KB) 91.06 KB
GMS_Immigrants_Visitors_Policy_Wording_CA.pdf (287.97 KB) 287.97 KB
Claim Form (139.03 KB) 139.03 KB