Basic Benefits

Covid-19 coverage
Covered
Ambulance Services / Transportation
Covered
Emergency Hospitalization
Coverage Up to 2 Million
Services of a Physician, Surgeon, etc.
Coverage Up to 2 Million
Emergency Medical Care
Coverage Up to 2 Million
Walk-in Clinic Visits
Allowed
Follow Up Treatment
Allowed
Laboratory Diagnostics / X-Ray
Included
Prescription Medications
30-Day Supply/Prescription
Dental Pain Relief
N/A
Emergency Dental Repair
Max $2,500
24-hour Emergency Assistance Center
Available
ambulanceTransportation
Covered
Emergency Home Return / Evacuation
Included
Repatriation of Remains
Max $5,000
Cremation / Burial
Max $5,000
Stable Pre-existing Medical Conditions Coverage
Covered if Stable for 90 Days Prior to the Effective Date.
Private Duty Nurse / Medical Attendant
Max $5,000
Rental / Purchase of Medical Appliances
Up to Sum Insured
Side-Trips Benefit (with in Canada and outside of Canada)
Included

Enhanced Benefits

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist
N/A
Accidental Death
Max $10,000
Double Dismembernent
Max $10,000
Single Dismembernent
Max $5,000
Bedside Companion Accommodation / Transportation
N/A
Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses
N/A
Maternity Benefits / Delivery Coverage
Max $5,000
Pregnancy Complications Coverage
Max $5,000
Physical Examination (Non-emergency)
N/A
Eye Examination (Non-emergency)
N/A
Vaccines (Non-emergency)
N/A
Child Care / Escort Expenses
N/A
Psychiatric / Psychological
Max of $500 For Hospitalization Max of $10,000
Return of a Vehicle
N/A
Sports Injuries Coverage
Included (Not Hazardous Sports)
Flight / Travel Accident
N/A
Trip-Break Benefit
N/A
Common Carrier
Available
Corrective Devices
N/A
Prescription Glasses / Contact lenses / Hearing Aids
N/A
Sexual Health Consultation
N/A
Terrorism Coverage( Only for Outbound Insured)
N/A
Trauma Counselling
N/A
Tuberculosis Testing and Vaccination
N/A
Tuition Reimbursement in Relation to Emergency
N/A
Tutorial Services
N/A
Wisdom Teeth Removal
N/A

ELIGIBILITY

To be eligible for coverage you, on the effective date, must be:

1. At least 15 days old and less than 65 years of age; and

2. Ineligible for benefits under a government health insurance plan; and

3. Residing in Canada on a temporary basis; and

4. one of the following:

    a) a student with proof of full-time admission in a recognized Canadian institution of learning; or

    b) a student completing post doctorate research in a recognized Canadian institution of learning; or

    c) the spouse or dependent child of the insured student and residing with them on a full-time basis; or

    d) the parent, legal guardian, teacher or chaperone of the insured student.

CLAIMS:

In the event of an emergency please contact the Assistance Company immediately at:

1-844-879-8379 toll-free from Canada and the USA

+1-416-285-1722 collect where available

Email: claims@ardentassistance.com

CLAIMS PROCEDURES:

Claims must be submitted within 30 days of the first medical expense. The insured person is responsible for providing all the documents outlined below and for any charges levied for these documents. To file a claim, the insured person must:

a) Complete and submit a claim form for each new sickness or injury;

b) submit all original itemized bills from the medical provider(s) stating the patient’s name, diagnosis, all dates and type of treatment, and the name of the medical facility and/or physician;

c) provide original prescription drug receipts (not cash receipts) from the pharmacist, physician or hospital showing the name of the prescribing physician, prescription number, name of preparation, date, quantity and total cost;

d) Provide proof of the departure date(s) and return date(s);

e) Provide written proof of claim within 90 days of the date of receipt of services covered under this policy;

f) Provide additional information pertinent to the insured person’s claim, as may be required by the Assistance Company after receipt of the claim;

g) Return the unused portion of the insured person’s air ticket to the Assistance Company, if the Emergency Air Transportation benefit is used.

All pertinent documents should be sent to the Assistance Company

Refunds

1. If cancellation of your policy is requested prior to the effective date, the full premium will be refunded.

2. A pro-rata refund for the unused portion of the premium may be granted if:

a) the required visa necessary for admission to a recognized Canadian institution of learning has been refused;

b) the student permanently leaves the recognized Canadian institution of learning;

c) you permanently return to your country of origin with no intention to return 30 days or more before the expiry date; or

d) you become eligible for a government health insurance plan in your province or territory of residence in Canada.

A request for a premium refund will be considered only if no claim has been paid or is pending.

No refund will be issued if the amount of premium to be reimbursed is less than $20 per policy.

EXCLUSIONS

This policy does not cover losses or expenses related in whole or in part, directly or indirectly, to any of the following:

1. Any sickness, injury or medical condition that was not stable in the 90 days prior to the effective date.

2. Any medical condition for which, prior to the departure from your country of origin, medical evidence suggests a reasonable expectation that treatment or hospitalization could be required.

3. Any medical treatment that is not emergency medical treatment for the immediate relief of acute pain and suffering, including any elective, plastic or cosmetic surgery or treatment including complications thereof.

4. Any sickness or injury which occurred prior to the effective date of your policy when coverage has been extended after your arrival in Canada.

5. Any costs incurred in the USA, after you exceed 30 consecutive days in the USA during the coverage period.

6. Any costs incurred due to your travelling against the advice of a physician or any loss resulting from your sickness or medical condition that was diagnosed by a physician as a terminal illness prior to the effective date.

7. Expenses incurred as a result of HIV or HIV related conditions and AIDS (Acquired Immune Deficiency Syndrome), including any associated charges.

8. Any medical treatment which can reasonably be delayed until you return to your country of origin by the next available means of transportation, whether you intend to or not.

9. Any medical treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or convalescent or ongoing care.

10. Any medical treatment of an acute sickness and/or injury after the initial emergency has ended.

11. Pregnancy, childbirth, miscarriage, voluntary termination of pregnancy or their complications except as provided in Benefit #9 or #22– Maternity (See the Policy Wording Attached).

12. Non-compliance with any prescribed medical treatment or therapy.

13. Drugs and medications which are: a) commonly available without a prescription, preventative medications or vaccines, acne medications, baldness remedies, nicotine resin products, dietary supplements or weight loss products; b) any type of contraceptive, pregnancy test, fertility drug or test, or erectile dysfunction drugs; c) not legally registered and approved in Canada or not medically necessary.

14. Expenses incurred whereby this policy was purchased specifically to obtain medical treatment outside your country of origin, whether or not recommended by your attending physician.

15. Any medical treatment in your country of origin or any medical condition for which symptoms were present during a temporary visit to your country of origin during the coverage period unless there expressly in order to participate in a school-organized sporting or extra-curricular event.

16. Transplants including, but not limited to, cornea or organ transplants or bone marrow transplants, artificial joints, prosthetic devices or implants including any associated charges. Implants required to stabilize an emergency medical condition may be covered if pre-approved by the Assistance Company

17. Medical examinations performed at the request of a third party (including medical examinations for immigration purposes) or consultations with a physician by telephone or e-mail.

18. Expenses for any benefit or medical treatment that requires prior approval by the Assistance Company if such approval was not provided, except in extreme circumstances where such medical treatment is performed on an emergency basis immediately upon admission to hospital.

19. Loss, death or injury, if at the time of the loss, death or injury, evidence supports that you were affected by, or the medical condition causing the loss was in any way contributed to by, the use of alcohol, prohibited drugs or any other intoxicant.

20. Committing or attempting to commit an illegal act or a criminal act by an insured person.

21. A disorder, disease, condition or symptom that is emotional, psychological or mental in nature except as provided in Benefit #10 or #17 - Psychiatric/Psychological. (See the Policy wording Attached)

22. An insured person’s suicide, attempted suicide or self-inflicted injury, whether the insured person is sane or insane.

23. Rock or mountain climbing, hang gliding, parachuting, bungee jumping, or skydiving; participation in any motorized race or speed contest sport; participation in any sport as a professional athlete (for which the insured person is remunerated) or scuba diving (except if certified by an internationally recognized and accepted program such as NAUI or PADI, or if diving depth does not exceed 30 metres).

24. Death or injury sustained while operating or learning to operate any aircraft as pilot or crew.

25. Travel to, from or through any country, region or city for which, prior to the effective date or your departure date, any department of the Canadian Government has issued a warning to avoid all travel or to avoid non-essential travel if the loss is the result of the reason for which the warning was issued.

26. War, invasion, act of a foreign enemy, declared or undeclared hostilities, civil war, riot, rebellion, revolution or military power or your unlawful visit in any country.

27. Terrorism or by any activity or decision of a government agency or any other entity to prevent, respond to or terminate terrorism except for ensuing loss or damage which results directly from fire or explosion. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss or damage.

28. Contamination resulting from radioactive material or nuclear fuel or waste or the release of weapon(s) of mass destruction (nuclear, chemical or biological).

29. Service in, or training for, the armed forces, National Guard or organized reserve corps of any country or international authority.

30. Medical treatment or services normally covered or reimbursable under any other insurance the insured person might have.

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