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Saturday, October 21st, 2017

BLUE CROSS
Visitors Insurance

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Administrated by: Blue Cross Canada.
Underwritten by: Blue Cross.
24 hours Emergency Assistance Center: CanAssistance.

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 Benefits: $50,000, $100,000 and $150,000.
   - Ambulance Transportation: land or air transport costs to the nearest medical facility. *
   - Hospitalization expenses for a semi-private room accommodation.
   - Physician services.
   - Diagnostic services -  laboratory tests and X-rays when prescribed by the attending physician.
   - Nursing care of a graduate nurse while hospitalized and when medically necessary.
   - Prescription drugs when required as part of emergency treatment (except when they are required for the continued stabilization of a chronic medical condition).
   - Medical appliances - rental or purchase cost for crutches, canes, rental of wheelchair or other medical appliances when prescribed by an attending physician.  
   - Professional Services - physiotherapist, chiropractor, osteopath or podiatrist when medically necessary and prescribed by the attending physician, up to a maximum of $300 per profession.
   - Accidental Dental: Up to $2,000 per accident for repair or replacement of whole or sound natural teeth damaged by an external injury (not as a result of introduction of food or an object into the mouth).
   - Dental Emergencies: Up to $300 per trip for the fees of dental surgeons for emergency dental care treatment, excluding root canal therapy.
   - Return of the deceased: up to $10,000 for the cost of preparing and transporting the deceased person to the place of residence, or up to $4,000 for the cost of cremation or burial on site (excluding the cost of a coffin, an urn and a gravestone). *
   Meals and Accommodation – the cost of round-trip economy-class transportation and up to $300 for accommodation and meals when a family member or a friend is required to go to the place of death to identify the deceased. *
    - Repatriation to Residence: the cost of repatriation of insured to his residence by means of appropriate transportation in order to receive immediate medical attention. It includes the cost for a round-trip ticket for a medical attendant. *
    - Return of Traveling Companion or a family member covered under the same contract, in case of repatriation of the insured. *
    - Trip Break (for coverage of 365 days) - Covered persons can return to their country of residence and come back to Canada without terminating the insurance contract. During the period outside Canada, no insurance coverage is valid and no premium refund is granted for the days spent in the country of permanent residence. Covered persons must ensure they meet insurance eligibility criteria each time they intend to return to Canada. Any change in health during the trip break will be considered as a pre-existing condition.
    - Subsistence Allowance - up to $1,000 ($100 per day) for the cost of accommodation and meals, when a covered person’s return must be delayed due to illness or bodily injury to himself or to an accompanying immediate family member or travelling companion. 

* These services must be approved and planned by CanAssistance.

ELIGIBILITY:
In order to be eligible for Visitors to Canada insurance, the covered person must not:
   1. Have received medical advice not to travel;
   2. Suffer from an illness in a terminal stage;
   3. Suffer from kidney failure treated through dialysis;
   4. Have been diagnosed with or treated for a metastatic cancer;
   5. Have been diagnosed with, had treatments or taken medication for cancer in the past 12 months (with the exception of basal cell carcinoma);
   6. Suffer from heart failure or cardiomyopathy;
   7. Be waiting for an organ transplant for one or several of the following: kidneys, lungs, liver, heart, bone marrow or pancreas;
   8. Have used home oxygen or taken cortisone pills for a pulmonary condition in the past 24 months.
Maximum period of coverage is 365 days per policy.
AGE LIMIT: Covered persons must be a minimum of 31 days old and maximum of 79 years old at the time of the insurance purchase.

WAITING PERIOD for sickness:
No waiting if the insurance is purchased BEFORE your arrival or before expiry of similar coverage in Canada.
If the insurance is purchased AFTER the covered person’s arrival in Canada:
   • the insurance is effective as of the date of purchase. However, the contract will include a 4-day waiting period from the date of purchase during which the covered person is insured only in case of accident or injury. During this waiting period, the covered person is not insured in case of illness. If an illness occurs during the waiting period, the illness will be considered as a pre-existing condition and will be subject to the Exclusions relating to pre-existing conditions of the contract.
   • the insurance must be purchased within the 30 days after the latest of the following dates:
       - the date of arrival in Canada from the country of residence;
       - the termination date of a similar coverage in Canada by virtue of another insurance contract. If this insurance is purchased after the effective date of another insurance contract with similar coverage in Canada, proof of the latter is required.
NOTE: This product is not available for purchase, if you have been in Canada more than 30 days following your arrival unless the present insurance is taken out after the effective date of another insurance contract with a similar coverage in Canada.

PRE-EXISTING CONDITIONS:
The contract contains exclusions relating to pre-existing conditions.
       1. If a covered person has already undergone one of the procedures mentioned below, or has already suffered or is currently suffering from one of the following cardiovascular conditions, all of the cardiovascular conditions listed will not be covered: bypass, angioplasty, defibrillator, heart attack, aortic aneurysm, angina, valvular heart disease, peripheral vascular disease, heart rhythm disorders (arrhythmia, tachycardia, bradycardia).
       2.  If one of the covered persons has had a stroke (cerebrovascular accident) or TIA (transient ischemic attack), both of these neurological conditions are not covered.
       3.  If one of the covered persons has already suffered or is currently suffering from one of the following conditions, all of the pulmonary conditions listed are not covered: chronic bronchitis, emphysema, cystic fibrosis, COPD (chronic obstructive pulmonary disease).
Suffered means having undergone a procedure, consulted a doctor, been diagnosed, treated, hospitalized, or have been prescribed or taken medication in connection with one of the conditions listed, or that a doctor has recommended that you receive treatment, be tested, take medication or undergo a procedure linked to one of these conditions. Having ignored symptoms that can lead to one of these conditions also constitutes grounds for exclusion.

All medical conditions, other than the ones stipulated above, are subject to the following notice regarding pre-existing conditions:
     - For persons under the age of 55: a 3-month period of stability is required prior to the effective date of the contract in order for an illness, injury or pre-existing medical condition to be covered during a trip.
     - For persons aged 55 and over: a 6-month period of stability is required prior to the effective date of the contract in order for an illness, injury or pre-existing medical condition to be covered during a trip.
For a pre-existing condition to be considered STABLE and covered during a trip, none of the covered persons must have:
    a. Been hospitalized.
    b. Consulted a physician (except for a medical regular check-up).
    c. Had a change in dosage in existing medication.
    d. Received a new prescription or taken a new medication.
    e. Had a change in an existing treatment.
    f. Received a new treatment or a prescription for a new treatment
    g. Taken nitroglycerine for a heart condition
The Insurer does not consider a change in existing medication the following elements: the routine adjustment of insulin or Coumadin®; a change from a brand name medication to a generic brand medication, provided the dosage is the same; Aspirin® taken for non-prescribed medical purposes; decrease of the dosage of cholesterol medication; hormone replacement therapy; vitamins and minerals and non-prescription medication; creams or ointments prescribed for cutaneous irritations. 

EXTENSION:
Coverage under this contract may be extended as long as the additional premium is paid, and that the covered persons remain eligible for insurance. If the extension or the coverage conditions of insurance affect the initial rate of the premium, the new premium will apply for the entire duration of the contract.
If the covered persons file a claim during the initial period of coverage, the Insurer’s approval is required to extend the contract. Once the approval to extend the contract has been granted, any claim that pertains to an event that occurred during the initial period of coverage will be rejected.
The contract holder must file a request for extension only prior to the end of the initial coverage period by contacting the Insurer. 

SIDE TRIPS: 
The insurance coverage remains valid when the covered person takes a side-trip outside of Canada under the following conditions:
• Trips outside of Canada must not exceed 30 days at a time.
• Each side-trip must begin and end in Canada.
• The covered person is not travelling to his/her country of permanent residence.
• The duration of all side-trips combined does not exceed 49% of the period of coverage of the contract.
NOTE: When a side-trip exceeds 30 days, only the first 30 days of the trip will be covered. Starting on the 31th day, the insurance coverage will be suspended with no premium refund for the remainder of the side-trip. The coverage will resume when the covered person returns to Canada. The Insurer will not reimburse any claim arising from an illness, accident, injury or symptoms that occurred while the insurance coverage was suspended.
Should the total duration of the side-trips exceed 49% of the period of coverage, the contract will be considered null and void in it’s entirety. You have to purchase a new policy, if you decide to return back to Canada from your side trip.

REFUNDS:
Administrative fees of $25 per contract are deducted from any refund, including a refund due to cancellation of the contract before the effective date of the contract.
These fees are not applicable if you cancel the contract within 10 days following its purchase, as long as the trip has not started.
Following an early departure from Canada, or if you obtain coverage through a mandatory insurance, a refund could be made for the unused days, provided no claim was submitted. Days are considered used once the contract is effective. You must submit your request in writing accompanied by proof of your departure date from Canada or the effective date of the mandatory insurance you are now covered by.
Unless the covered person presents proof to the contrary, the postmark on the letter will be considered as the date of return and the refund will be effective on the following day.

CLAIMS:
If the covered person needs health care, he or a travelling companion must call CanAssistance immediately. Canada, United States: 1-800-361-6068 or 514-286-8411.
Assistance agents offer the covered person 24-hour service, 7 days a week.
NOTICE: Failure to contact the assistance centre in the event of medical consultation or hospitalization following an accident or sudden illness could result in the compensation requested being refused. 

All claims should be reported to CanAssistance in writing within 30 days of acquiring and all original documents have to be transmitted to the insurance company within 90 days.
To obtain a claim form the covered person may contact the Customer Service Department at: 1-800-387-2538 for Quebec or 1-800-557-3907 for other Canadian provinces.

EXCLUSIONS: 
Exclusions and reductions of coverage: No benefits are payable if the loss sustained or the expenses incurred result directly or indirectly from one of the following causes:
Exclusions relating to pre-existing conditions
1. Intended for all persons covered by this contract
a) All of the following cardiovascular conditions are not covered: bypass, angioplasty, defibrillator, heart attack, aortic aneurysm, angina, valvular heart disease, peripheral vascular disease, heart rhythm disorders (arrhythmia, tachycardia, bradycardia):
- when the covered person has already undergone a procedure, consulted a doctor, been diagnosed, treated, hospitalized, or when the covered person has been prescribed or taken medication linked to one of these conditions, or;
- when a doctor has recommended that the covered person receives treatment, be tested, take medication or undergo a procedure linked to one of these conditions.
b) All of the following neurological conditions are not covered: stroke (cerebrovascular accident) or TIA (transient ischemic attack):
- when the covered person has already undergone a procedure, consulted a doctor, been diagnosed, treated, hospitalized, or when the covered person has been prescribed or taken medication linked to one of these conditions, or;
- when a doctor has recommended that the covered person receives treatment, be tested, take medication or undergo a procedure linked to one of these conditions.
c) All of the following pulmonary conditions are not covered: chronic bronchitis, emphysema, cystic fibrosis, COPD (chronic obstructive pulmonary disease).
- when the covered person has already undergone a procedure, consulted a doctor, been diagnosed, treated, hospitalized, or when the covered person has been prescribed or taken medication linked to one of these conditions, or;
- when a doctor has recommended that the covered person receives treatment, be tested, take medication or undergo a procedure linked to one of these conditions.
2. For persons under the age of 55: In addition to the exclusions mentioned under point 1, during the 3 months prior to the effective date of coverage, any illness, injury or condition related to a medical condition for which the covered person:
- consulted a physician (other than for a regular check-up), or;
- was hospitalized, or;
- was prescribed or received a new treatment, or;
- received a change in an existing treatment, or;
- was prescribed or has taken a new medication, or;
- received a change in existing medication1 (including usage or dosage), or;
- has taken nitroglycerin for a heart condition
3. For persons aged 55 and over: In addition to the exclusions mentioned under point 1, during the 6 months prior to the effective date of coverage, any illness, injury or condition related to a medical condition for which the covered person:
- consulted a physician (other than for a regular check-up), or;
- was hospitalized, or;
- was prescribed or received a new treatment, or;
- received a change in an existing treatment, or;
- was prescribed or has taken a new medication, or;
- received a change in existing medication1 (including usage or dosage), or;
- has taken nitroglycerin for a heart condition.
The Insurer does not consider a change in existing medication the following elements:
- the routine adjustment of insulin or Coumadin®;
- a change from a brand name medication to a generic brand medication, provided the dosage is the same;
- Aspirin® taken for non-prescribed medical purposes;
- decrease of the dosage of cholesterol medication;
- hormone replacement therapy;
- vitamins and minerals and non-prescription medication;
- creams or ointments prescribed for cutaneous irritations. 

Other exclusions:
No benefits are payable under this benefit if the loss sustained or the expenses incurred result directly or indirectly from one of the following causes:
1. Any state or condition for which symptoms were ignored or for which medical advice was not followed or the recommended investigations, treatments, tests or procedures were not carried out.
2. Pregnancy, delivery and complications arising therefrom.
3. Accident sustained by the covered person while participating in a sport for remuneration or in a sporting event where money prizes are awarded to the winners, in any kind of motor vehicle competition or any kind of speeding event, in a contact sport, in a dangerous or violent sport such as but not limited to: off-track snow sports, horse jumping obstacles, rock climbing or mountain climbing (grade 4 or 5 routes according to the scale of the Yosemite Decimal System – YDS), parachuting, gliding or hang-gliding, skydiving, bungee jumping, canyoning, and any sport or activity with a high level of stress and risk involved.
The restriction as for the speeding event does not apply to the amateur athletic activities which are non-contact and engaged in by the covered person solely for leisure or fitness purposes.
4. Abuse of medication or alcohol, or use of drugs, use of experimental drugs or products or any other drug addiction, and any condition arising therefrom, or driving of a motor vehicle while the covered person is under the influence of drugs or with an alcohol level of more than 80 milligrams per 100 millilitres of blood (0.08).
5. Trip undertaken for the purpose of receiving medical and paramedical care.
6. Suicide, attempted suicide or self-inflicted injury of the covered person, whether sane or insane.
7. War, invasion, enemy acts, hostility between nations (whether or not war is declared), civil war, rebellion, revolution, insurrection, military power or usurped power.
8. Perpetration of or attempt to perpetrate, directly or indirectly, a criminal act under any law.
9. Any condition resulting from a mental, nervous, psychological or psychiatric problem, unless the covered person is hospitalized for that specific reason.
10. Any claim for patients in long term care hospitals, a rehabilitation department of a public hospital, or in extended care homes or spas.
11. Any care, treatment, products or services other than those declared by the appropriate authorities to be required for the treatment of the injury or disease or stabilization of the medical condition.
12. Supportive care or services rendered for the convenience of the patient.
13. Care or treatments for cosmetic purposes.
14. Care or treatments received in Canada or in another country while on a side-trip when such care or treatments could have been obtained in the covered person’s country of residence without endangering the life or health of the covered person (with the exception of expenses for immediately necessary treatment following an emergency resulting from an accident or sudden illness). Under this exclusion, the fact that the treatment available in the country of residence of the covered person could be of lesser quality than treatment available in Canada or in another country does not in itself constitute a danger to the covered person’s life or health.
Without restricting the generality of this exclusion, no benefits are available under this plan for residents of other countries travelling primarily or incidentally to seek medical advice or treatment, even if such a trip is recommended by a physician. (Amended on 05/2017)
15. Care or treatments that are not covered under government programs where services were rendered.
16. Care or treatments such as those rendered by an acupuncturist, a homeopath or a naturopath.
17. Products listed below are not covered even when obtained by a prescription:
- processed food for infants, dietary or food supplements or substitutes of any kind, including protein, so-called “natural” products, multivitamins and drugs available over the counter (GP products), antacids, digestives, laxatives, antidiarrheals, decongestants, antitussives, expectorants and any other flu or cold medications, gargles, oils, shampoos, lotions, soaps and all other dermatological products.
18. Failure of the covered person to communicate with CanAssistance in the event of medical consultation or hospitalization following an accident or sudden illness.
19. Once the contract has been extended, any medical condition that arose during the initial period of coverage will be excluded as of the date of the extension.
20. Consultations or exams required for an immigration application.
21. Eyeglasses and hearing aids.
22. (This exclusion has been removed on 05/2017)
23. Services or treatments received within your country of permanent residence during the period of coverage. (Amended on 05/2017)
24. For insured children under the age of 2, costs directly or indirectly related to a medical condition resulting from a congenital malformation or congenital disease, as well as related health problems, whether diagnosed or not.
25. Fees incurred following an illness, accident, injury or symptoms that occurred during a side-trip while your insurance coverage was suspended. (Added on 05/2017) 

Dependent child means a child of the contract holder, his spouse, or both, over 30 days old, who is dependent on the contract holder, who is not married, and who is:
   - under 21 years of age, or;
   - under 25 years of age and attends an educational institution full-time as a duly registered student, or;
   - physically or mentally handicapped.

Age means the age of the covered person at the time the present contract is purchased. Covered persons must be a minimum of 31 days old and a maximum of 79 years old at the time of the insurance purchase.

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:

Blue Cross Visitors Insurance Policy PDF

The Blue Cross symbol and name are registered trademarks of the Canadian Association of Blue Cross Plans and the Association of Independent Blue Cross Plans, and are licenced to the Canassurance Hospital Service Association, carrying business as Ontario Blue Cross and Quebec Blue Cross and to the Medavie Inc. carrying on business as Atlantic Blue Cross Care.

 

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