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Thursday, March 30th, 2017

Allianz Global Assistance 
Students Insurance

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Benefits
Exclusions
Claims
FAQ
Rates
Downloads

Administrated by:
Allianz Global Assistance (AGA)
Underwritten by: CUMIS General Insurance Company, a member of The Co-operators group of companies.
24 hours Emergency Assistance Center: AGA Emergency Assistance

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS:
  - Maximum Benefit: $2,000,000
  - Hospital & Medical Coverage: Semi-private hospital accommodation and reasonable and customary services and supplies necessary during confinement as a resident in-patient. 
  - Physicians, surgeons, anesthetists and registered graduate nurse.
  - Follow-up visits
related to reported emergency and recommended by the attending physician.
  - Diagnostic Treatments: Lab tests and X-ray examinations ordered by a physician.
  - Professional Medical Services – up to $600 per practitioner per year for service of a legally licenced physiotherapist, naturopath, acupuncturist, chiropractor, osteopath, chiropodist or podiatrist.
  - Drugs or Medications – up to one month supply for prescription drugs or medications that require a physician’s written prescription.  Drugs and medications are covered at 100% when the insured is hospitalized.
  - Eye Examination - one routine annual examination by an optometrist when 12 months of consecutive coverage has been purchased.
  - Annual Examination – up to $250 for one routine (wellness) examination per year by a physician, including any related tests and laboratory fees when 12 months of consecutive coverage has been purchased.
  - Maternity (Standard Option) - up to $1,000 for pre-natal care, childbirth or miscarriage, or related complications, for routine new-born nursing care up to 14 days following birth. The expected delivery date must be more than 10 months after the effective date (see Enhanced Plan for higher benefit option). The benefit amount of $1,000 is for eligible expenses incurred in any consecutive 12-month period starting on the date the first pregnancy-related expense is incurred.
  - Accidental Dental: Up to $5,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
  - Dental Emergencies: Up to $600 for the immediate relief of acute dental pain. 
  - Wisdom Teeth - extraction of impacted wisdom teeth, up to $100 per tooth for necessary dental and/or oral surgical procedures.
  - Emergency Transportation: The cost for air ambulance, one-way economy airfare or stretcher to transport you to your country of origin, and a medical escort if deemed medically necessary by AGA.
  - Bedside Companion: Up to $5,000 for round-trip economy transportation to bring up to two bedside companions (your family members or close friends), and up to $1,500 for costs incurred after their arrival, if you are hospitalized for a minimum of 7 days and the attendance is recommended by a physician.
  - Funeral Expenses: In the event of death from covered condition, up to $15,000 is provided to return the body to the country of origin, or up to $5,000 for cremation or burial at the place of death. 
  - Accidental Death & Dismemberment: Up to $15,000 for accidental loss of life, limb or sight. 

The following benefits have an overall combined maximum limit of $10,000: 
  - Private duty services of a registered nurse.

  - Ambulance Transportation: Local land or sea ambulance or up to $100 reimbursement for taxi.
  - Medical Appliance: Rental of crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics, oxygen and rental of equipment for its administration, blood and blood plasma, except when donated.

ADDITIONAL BENEFITS for Enhanced Plan (if selected and paid for at the time of application):
  - Maternity Benefit - when the expected delivery date is more than 10 months after the effective date, AGA covers up to $10,000 for pre-natal care, childbirth or miscarriage, or related complications and for routine new-born nursing care up to 14 days following birth. Newborns can be covered from 15 days of age following written approval by AGA. The benefit amount of $10,000 is for eligible expenses incurred in any consecutive 12-month period starting on the date the first pregnancy-related expense is incurred. Enhanced Option benefit limits will only be payable if the Enhanced Option was in effect when you became pregnant and has remained in effect since that time; otherwise, the Standard Option benefit limits will apply.
  - Psychologist and Psychiatric Care – up to $10,000 (lifetime maximum) for hospitalization and up to $1,000 (per year) for treatment of mental, nervous or emotional disorders, including trauma counselling.
 - Pre-existing Conditions are covered provided the condition was stable in the 90 days immediately before the effective date.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:

ELIGIBILITY: To be eligible for coverage a person must:
   a) be a student; or
   b) be a dependent child or the spouse of an eligible student; and
   c) as of the effective date, be less than 60 years of age; and
   d) not be insured or eligible for benefits under a Canadian government health insurance plan; and
   e) be in good health at the time you purchase your policy and on the date you exit your country of origin, and know of no reason to seek medical consultation during the period of coverage.
Student means a person who
  - is registered at a school, college, university or other governmentally accredited educational institution in Canada and attends classes as a full-time student, as defined by the institution; or
  - remains in Canada for up to one year immediately after completion of studies as described above, and who is working or has applied to work in a field related to the studies completed.
 
WAITING PERIOD For illness: Any sickness that manifests itself during first 48 hours after the effective date if the policy has been purchased AFTER you exit your country of origin or after the expiry date of an existing AGA policy. No waiting period if the application for this insurance is completed PRIOR to exit your country of origin or before the expiry date of an existing AGA policy.
PRE-EXISTING CONDITIONS: means a sickness, injury or medical condition, whether or not diagnosed by a physician for which you exhibited signs or symptoms, or for which you required or received medical consultation and which existed prior to the effective date of your coverage.
STABLE CONDITION is any medical condition or related condition, including any heart condition or lung/respiratory condition, for which:
   a) there has been no new treatment; and
   b) there has been no change in treatment or change in treatment frequency or type; and
   c) there  have been no signs or symptoms or new diagnosis; and
   d) there have been no test results showing deterioration; and
   e) there has been no hospitalization; and
   f) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of further investigations performed by any medical professional.
The following are also considered stable:
   a) routine (non prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the time period specified in the pre-existing conditions exclusion of the policy.
   b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the time period specified in the pre-existing conditions exclusion of the policy.
   c) a minor ailment (a sickness or injury which ended more than 30 days before the effective date and which did not require treatment for a period longer than 15 consecutive days or more than one follow-up visits to a physician or hospitalization, surgery, or referral to a specialist)
OTHER EXCLUSIONS:
Benefits are not payable for costs incurred due to:
- Any sickness or injury where the trip is taken to get medical treatment or advice for such injury or sickness.
- Loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
- Any injury or sickness, or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
- Naturopathic, holistic or acupuncture treatment
- Emotional, mental or nervous disorders and intentional self-inflicted injury (unless Enhanced plan has been selected).
- Resulting from your participation in protests, armed forces activities, criminal offences, a commercial sexual transaction or the contravention of any statutory law or regulation in the area where the loss occurred.
- Any treatment, investigation or hospitalization which exceeds 30 days following the initial day that necessary outpatient treatment began, unless approved in advance by AGA.
- High-risk activities – heliskiing, ski jumping, skydiving, sky-surfing, scuba diving (except if certified), white water rafting (except grades 1 to 4), street luge, skeleton, rodeo and mountaineering (that requires special equipment).
- Motor sports and speed contests (exceeding 60 km per hour), stunt activities, exhibitions or demonstrations of any kind.
- Professional sports activities.
- Eye glasses, contact lenses, hearing aids and/or prescriptions for any of these items, unless required as the result of an accidental injury.
- Air travel other than as a passenger in a commercial aircraft or air ambulance.
- The purchase of: experimental drugs, preventative medications or vaccines, fertility drugs or testing, contraceptives (with the exception of the morning after pill, which is limited to one per period of coverage), dietary or weight loss products, nicotine or acne medications, vitamins, drugs or medications which can be purchased without a prescription or quantities of any prescription drugs or medications which exceed a 30-day supply within one month prior to the policy expiry date.

AGA must be notified within 24 hours of admission to a hospital and before any medical consultation or any surgery is performed. If you fail to do so without reasonable cause, then AGA will reduce the benefits payable to you under this policy by 20%.

CLAIMS:
- To apply for benefits, complete the claim form and include all original bills. Please, take care in filling out the form, as any missing information may cause delay.
- Claims must be reported within 30 days of occurrence.
- Written proof of claim must be submitted within 90 days of occurrence.
- For Accidental Death & Dismemberment Benefits include also: 1. Police report; 2. Corner's report; 3. Death certificate.

SUBMIT CLAIMS TO:
Allianz Global Assistance Claims Department 
2100-250 Yonge Street
Toronto ON, Canada M5B 2L7

FAQ:

Are the premiums refundable?
A full refund will be provided for policies which are recovered within 10 days of purchase.
Refunds for partial cancellations will be calculated by multiplying the daily premium by the actual number of days the policy was in effect; if this amount is less than the minimum premium required, the minimum premium will be used. This amount is then subtracted from the total premium paid.
Refund amounts less than the minimum premium will not be issued.
There will be no refund of premium if any losses have been incurred whether or not a claim has been made.

I want to stay longer. Can I extend my coverage?

Yes, you can subject to policy terms and conditions. Just call your agent or AGA prior to the expiry of your policy. You must be in good health and not have incurred any losses with AGA.

Will this cover me for trips outside Canada? 
Yes, coverage outside Canada is included, provided the insured person spends at least 51% of the period of coverage within Canada. Trips to the United States are limited to 30 days.

About Allianz Global Assistance: 
Allianz Global Assistance is one of the largest travel insurance and assistance services providers in Canada, with offices in Kitchener, Toronto, Montreal and Vancouver.

RATES:

 

PLAN TYPE

PER DAY

PER YEAR

Standard Plan

   

Student

$1.45

$485

Each dependent

$2.30

$840

     

Enhanced Plan

   

Student

$2.21

$807

Each dependent

$4.75

$1,733

- Dependent(s) include spouse or common-law partner and children up to age 21. They must be on the same policy and plan as the eligible student and living in the same residence.
- Maximum period of coverage: 365 days.
- $30 minimum premium per policy.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

Allianz International Student POLICY PDF

Allianz International Student CLAIM FORM PDF


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