– Maximum Benefits:  $2,000,000
  – Emergency Hospital: Semi-private room
  – Physicians, surgeons or anesthetic
  – Private duty services of a Registered nurse up to $15,000*
  – Diagnostics:  Lab tests and/or X-ray examination as ordered by a physician
  – Ambulance Transportation: Licensed local land, or sea ambulance to the nearest hospital. If an ambulance is necessary but is unavailable, the insurer will reimburse up to $150 for taxi expenses.
  – Emergency Air Transportation: one-way transportation by the most appropriate means, including the use of an air ambulance or stretcher accommodation and medical escort to the nearest appropriate medical facility or to your country of origin *
  – Medical Appliance:  Rental of crutches, wheelchair or hospital-type bed (standard nonelectric model only), not exceeding the purchase price; the cost of splints, trusses, braces or other approved prosthetic appliances; initial purchase of casts; artificial limbs, eyes or other approved prosthetic or medical appliances. * Oxygen and rental of equipment for its administration. *
  – Prescription drugs: One month supply, to a maximum of $10,000.
  – Professional Services – the service of a legally licensed physiotherapist, chiropractor, osteopath, chiropodist, podiatrist, acupuncturist, naturopath and speech therapist – up to $600 per practitioner per calendar year. A referral from a physician is required for acupuncturist and naturopath.
  – Accidental Dental:  Up to $5,000 for emergency treatment to whole or sound natural teeth damaged by an accidental direct 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 $150 per tooth.
  – Return of Deceased (Repatriation): up to $15,000 to return the body to the country of origin, or up to $5,000 for cremation or burial at the place of death. The cost of a coffin, urn or funeral service, is not covered.
  – Transportation of Family: Up to $5,000 for the cost to transport one member of your family by roundtrip economy class, and up $150 per day to a maximum of $1,500 for costs incurred after arrival, if the attendance is recommended by a physician.
  – Accidental Death & Dismemberment: Up to $10,000 for accidental loss of life, limb or sight.
  – Mental Health Care – up to $25,000 (lifetime maximum) for hospitalization and up to $1,000 per year for outpatient services for treatment of mental, nervous or emotional disorders.
  – Prescription Glasses, Contact Lenses, and Hearing Aids – up to $200 for prescription glasses, contact lenses and hearing aids required as a result of accidental injury. This benefit does NOT cover the repair or replacement of prescription glasses, contact lenses and/or hearing aids.
  – Tutorial Services – Up to $20/hour to a maximum of $400 for the costs of a qualified private tutorial service in the event you are hospitalized for 30 consecutive days or more.
  – Trauma Counselling – up to $500 for trauma counselling within 90 days from the date of sickness or accident.
  – Tuberculosis testing and Vaccination – Up to a maximum of $100 for tuberculosis testing and vaccination or immunization during a 12-month period.
  – Follow-up visits: Up to $3,000 to continue non-emergency medical treatment, when required as a result of a covered emergency sickness or injury*
  – Eye Examination – One visit to a registered optometrist during any 12 consecutive months.
  – Physical Examination ­- Up to $150 for one routine physical examination or one consultation for the “morning after pill” when 12 months has been purchased. Limited to one visit in any consecutive 12-month period of coverage.
  – Maternity Benefit – Up to $25,000 for pre-natal care and involuntary termination of pregnancy or resulting complications, provided that pregnancy commenced during the period of coverage. NO benefits will be payable for expenses incurred for childbirth, voluntary termination of pregnancy, or postnatal care.
  – Pre-existing Conditions are covered for complications provided the condition was stable in the 90 days immediately before the effective date.

* Must be pre-approved by Zurich Travel Assist.