MSH Discover Canada: Visitors to Canada OR Super Visa Insurance

Eligible For

Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC/Working Holidays

Coverage Amounts

$50,000, $100,000, $150,000, $300,000, $500,000 or $1,000,000

Emergency Hospitalization

Up to Sum insured

Emergency Home Return / Evacuation

Up to sum insured

Emergency Medical Care

Up to Sum insured

Services of a Physician, Surgeon, etc.

Up to Sum insured

Ambulance Services / Transportation

Available

Prescription Medications

Maximum $2,000 / 1-month supply

Emergency Dental Repair

Maximum $4,000

Dental Pain Relief

Maximum $500

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist

Maximum $500 per Category

Outpatient Treatment

Up to Sum insured

Stable Pre-existing Medical Conditions Coverage

Included (Age 0-70 -90 days Stability Req), (Age 71-80 -180 days Stability Req),  (Age 81-90 -No  coverage for  Pre-Ex)

Follow Up Treatment

Covered

Bedside Companion Accommodation / Transportation

Maximum $5,000/$150 Per Day

Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses

Maximum $,500 / $50 a Day

Laboratory Diagnostics / X-Ray

Covered

Private Duty Nurse / Medical Attendant

Covered

Rental / Purchase of Medical Appliances

Covered

Cremation / Burial

Maximum $5,000

Repatriation of Remains

Maximum $10,000

Accidental Death & Dismemberment

Maximum $50,000

Double Dismemberment

Maximum $50,000

Single Dismemberment

Maximum $25,000

Maternity Benefits / Delivery Coverage

Maximum $5,000

Pregnancy Complications Coverage

Maximum $5,000

Sports Injuries Coverage

Available (Not Hazardous Sports)

Psychiatric / Psychological

Maximum $250/ In a 12 Month Period

Physical Examination (Non-emergency)

Maximum $500// In a 12 Month Period

Vaccines

Maximum $100/ In a 12 Month Period

Eye Examination

Maximum $100/ In a 12 Month Period

Flight / Travel Accident

Maximum $50,000

Child Care / Escort Expenses

Available

Trip-Break Benefit

Available

Side-Trips Benefit

Available

Uninterrupted Flights Coverage (in & from Canada)

Not Available

Return of a Vehicle

Not Available

24-hour Emergency Assistance Center

Available

For more Info Please click Policy Wording

Policy Wording

Eligibility Requirements:

To be Eligible for Coverage, on the effective date, you must:

1.       Be a visitor to Canada or a person in Canada under a valid work or student visa, a Canadian or an immigrant not eligible for benefits under a government health insurance plan; and

2.       Be at least 15 days of age and no more than 90 years of age; and

3.        Not be travelling against the advice of a physician and/or have not been diagnosed with a terminal illness or congestive heart failure or be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention; and

4.       Not require assistance with the activities of daily living (eating, bathing, dressing, functional mobility, using the toilet).

 

For more Info Please click Policy Wording

Click here for Policy Wording

 

Claim Procedure

You are responsible for providing all the documents outlined below and for any charges levied for these documents. To file a claim, you must submit:

a) A fully completed Claim Form (provided by Intrepid 24/7™ upon notification of claim);

b) 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) 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)A copy of your airfare ticket and passport confirming travel dates and entry into Canada. For side trips, proof of both departure from and return to Canada. The type of proof depends on whether you travelled via airline or car. (For example, copies of airline tickets, itinerary, boarding passes, gas receipts, hotel receipts, meal receipts, toll highway receipts, original duty-free shop receipts.)

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

f) Additional information pertinent to your claim, as may be required by Intrepid 24/7™ after receipt of the claim;

g) The unused portion of your air ticket to Intrepid 24/7 if the Emergency Air Transportation benefit is used. Claim Procedure

All pertinent documents should be sent to Intrepid 24/7

For more Info Please click Policy Wording Click here for the policy wording

Refunds: Full and Partial

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

– If the policy was purchased for a Super Visa application, satisfactory proof from Citizenship and Immigration Canada that your Super Visa was denied will be required prior to the refund being accepted and processed. If satisfactory proof of Super Visa denial is not provided a $250 cancellation fee will apply. Refund requests due to Super Visa denial must be submitted within 60 days of the date of the visa denial.

–A pro-rata refund for the unused portion of the premium may be granted if termination of your policy is requested because you must return to your country of origin prior to your scheduled return date, or you become eligible and/or covered under a government health insurance plan during the coverage period. All partial refunds will be subject to a $25 administration fee.

– Requests for refunds due to changes in coverage dates caused by late arrivals must be requested in writing before the effective date of coverage. Otherwise, a new policy will be issued and a pro-rata refund of the unused portion of the previous policy will be granted, provided the policy is eligible for a refund.

Note

Requests for refunds must be received in writing by your broker or sales agent no later than 60 days from the date you became eligible and/or covered under a government health insurance plan, or the date of your early return, or the expiry date of your policy. Once your broker or sales agent receives satisfactory proof (e.g. airline ticket/boarding pass, customs/ immigration stamp) of your early return or proof of the date you became eligible and/or covered under a government health insurance plan, your refund will be calculated from that date, otherwise, calculation of such refunds will be based on the postmarked date of your written request.

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

For more details please review the policy wordings

Click here for the policy wordings  

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

1.Any sickness, injury or medical condition (other than a minor ailment) that existed prior to the effective date other than:

A) Up to age 70 Any sickness, injury or medical condition that was stable in the 90 days prior to the effective date.

b) Age 71–80  Any sickness, injury or medical condition that was stable in the 180 days prior to the effective date.

2. Expenses related to a sickness or injury that would have caused an ordinarily prudent person to seek medical treatment, advice, diagnosis or care during the 90 day period immediately prior to the effective date.

3. Elective and/or cosmetic surgery or treatment unless required as the result of a covered injury.

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 due to your traveling 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.

6. Any emergency 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.

7. Any medical treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or medical treatment of an acute sickness and/or injury after the initial emergency has ended.

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

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

10. Any medical treatment in your country of origin.

11. Transplants including, but not limited to, cornea or organ transplants or bone marrow transplants, artificial joints, prosthetic devices or implants including any associated charges.

12. The replacement of an existing prescription whether by reason of loss, unless otherwise specified elsewhere in this policy, renewal or inadequate supply or the purchase of drugs and medications (including vitamins) which are commonly available without a prescription or which are not legally registered and approved in Canada or which are not required as a result of an emergency.

13. Loss or damage to hearing devices, eyeglasses, sunglasses, contact lenses, or prosthetic teeth, limbs or devices and resulting prescriptions thereof.

14. A pregnancy that commences prior to the effective date; a child born during your trip; pregnancy, miscarriage, childbirth, or termination of pregnancy or complications thereof, except as provided under  Benefit #15 – Maternity. (Check Policy Wording)

15. For children under 2 years of age any sickness or a medical condition resulting from or related to a congenital defect.

16. Expenses for any benefit or medical treatment that requires prior approval by Intrepid 24/7™ 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.

17. A disorder, disease, condition or symptom that is emotional, psychological or mental in nature unless you are hospitalized or as provided in Benefit #16 – Psychiatric/Psychological.

18. 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.

19. Your commitment of or attempt to commit an illegal act or a criminal act.

20. Your suicide, attempted suicide or self-inflicted injury, whether you are sane or insane.

21. Rock or mountain climbing, hang gliding, parachuting, bungee jumping, or skydiving; participation in any motorsport or motor racing; participation in any sport as a professional athlete (for which you are remunerated) or scuba diving (except if certified by an internationally recognized and accepted programs such as NAUI or PADI, or if diving depth does not exceed 30 metres).

22. Death or injury sustained while operating or learning to operate an aircraft as a pilot or crew.

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

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

25. 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.

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

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

28. Any expenses resulting from a motor vehicle accident where you are covered under any other insurance policy, including motor vehicle insurance, except when such other insurance coverage is exhausted.

For more details please review the policy wordings

 Click here for the policy wording

MSH Discover Canada: Visitors to Canada OR Super Visa Insurance

Eligible For

Super Visa, Visitors, New Immigrants, Foreign Workers, Returning Canadians and IEC/Working Holidays

Coverage Amounts

$50,000, $100,000, $150,000, $300,000, $500,000 or $1,000,000

Emergency Hospitalization

Up to Sum insured

Emergency Home Return / Evacuation

Up to sum insured

Emergency Medical Care

Up to Sum insured

Services of a Physician, Surgeon, etc.

Up to Sum insured

Ambulance Services / Transportation

Available

Prescription Medications

Maximum $2,000 / 1-month supply

Emergency Dental Repair

Maximum $4,000

Dental Pain Relief

Maximum $500

Emergency Services of Chiropractor, Chiropodist, Physiotherapist, Osteopath, or Podiatrist

Maximum $500 per Category

Outpatient Treatment

Up to Sum insured

Stable Pre-existing Medical Conditions Coverage

Included (Age 0-70 -90 days Stability Req), (Age 71-80 -180 days Stability Req),  (Age 81-90 -No  coverage for  Pre-Ex)

Follow Up Treatment

Covered

Bedside Companion Accommodation / Transportation

Maximum $5,000/$150 Per Day

Meals and Accommodation / Hospital Allowance / Out-of-pocket Expenses

Maximum $,500 / $50 a Day

Laboratory Diagnostics / X-Ray

Covered

Private Duty Nurse / Medical Attendant

Covered

Rental / Purchase of Medical Appliances

Covered

Cremation / Burial

Maximum $5,000

Repatriation of Remains

Maximum $10,000

Accidental Death & Dismemberment

Maximum $50,000

Double Dismemberment

Maximum $50,000

Single Dismemberment

Maximum $25,000

Maternity Benefits / Delivery Coverage

Maximum $5,000

Pregnancy Complications Coverage

Maximum $5,000

Sports Injuries Coverage

Available (Not Hazardous Sports)

Psychiatric / Psychological

Maximum $250/ In a 12 Month Period

Physical Examination (Non-emergency)

Maximum $500// In a 12 Month Period

Vaccines

Maximum $100/ In a 12 Month Period

Eye Examination

Maximum $100/ In a 12 Month Period

Flight / Travel Accident

Maximum $50,000

Child Care / Escort Expenses

Available

Trip-Break Benefit

Available

Side-Trips Benefit

Available

Uninterrupted Flights Coverage (in & from Canada)

Not Available

Return of a Vehicle

Not Available

24-hour Emergency Assistance Center

Available

For more Info Please click Policy Wording

Policy Wording

Eligibility Requirements:

To be Eligible for Coverage, on the effective date, you must:

1.       Be a visitor to Canada or a person in Canada under a valid work or student visa, a Canadian or an immigrant not eligible for benefits under a government health insurance plan; and

2.       Be at least 15 days of age and no more than 90 years of age; and

3.        Not be travelling against the advice of a physician and/or have not been diagnosed with a terminal illness or congestive heart failure or be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention; and

4.       Not require assistance with the activities of daily living (eating, bathing, dressing, functional mobility, using the toilet).

 

For more Info Please click Policy Wording

Click here for Policy Wording

 

Claim Procedure

You are responsible for providing all the documents outlined below and for any charges levied for these documents. To file a claim, you must submit:

a) A fully completed Claim Form (provided by Intrepid 24/7™ upon notification of claim);

b) 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) 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)A copy of your airfare ticket and passport confirming travel dates and entry into Canada. For side trips, proof of both departure from and return to Canada. The type of proof depends on whether you travelled via airline or car. (For example, copies of airline tickets, itinerary, boarding passes, gas receipts, hotel receipts, meal receipts, toll highway receipts, original duty-free shop receipts.)

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

f) Additional information pertinent to your claim, as may be required by Intrepid 24/7™ after receipt of the claim;

g) The unused portion of your air ticket to Intrepid 24/7 if the Emergency Air Transportation benefit is used. Claim Procedure

All pertinent documents should be sent to Intrepid 24/7

For more Info Please click Policy Wording Click here for the policy wording

Refunds: Full and Partial

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

– If the policy was purchased for a Super Visa application, satisfactory proof from Citizenship and Immigration Canada that your Super Visa was denied will be required prior to the refund being accepted and processed. If satisfactory proof of Super Visa denial is not provided a $250 cancellation fee will apply. Refund requests due to Super Visa denial must be submitted within 60 days of the date of the visa denial.

–A pro-rata refund for the unused portion of the premium may be granted if termination of your policy is requested because you must return to your country of origin prior to your scheduled return date, or you become eligible and/or covered under a government health insurance plan during the coverage period. All partial refunds will be subject to a $25 administration fee.

– Requests for refunds due to changes in coverage dates caused by late arrivals must be requested in writing before the effective date of coverage. Otherwise, a new policy will be issued and a pro-rata refund of the unused portion of the previous policy will be granted, provided the policy is eligible for a refund.

Note

Requests for refunds must be received in writing by your broker or sales agent no later than 60 days from the date you became eligible and/or covered under a government health insurance plan, or the date of your early return, or the expiry date of your policy. Once your broker or sales agent receives satisfactory proof (e.g. airline ticket/boarding pass, customs/ immigration stamp) of your early return or proof of the date you became eligible and/or covered under a government health insurance plan, your refund will be calculated from that date, otherwise, calculation of such refunds will be based on the postmarked date of your written request.

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

For more details please review the policy wordings

Click here for the policy wordings  

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

1.Any sickness, injury or medical condition (other than a minor ailment) that existed prior to the effective date other than:

A) Up to age 70 Any sickness, injury or medical condition that was stable in the 90 days prior to the effective date.

b) Age 71–80  Any sickness, injury or medical condition that was stable in the 180 days prior to the effective date.

2. Expenses related to a sickness or injury that would have caused an ordinarily prudent person to seek medical treatment, advice, diagnosis or care during the 90 day period immediately prior to the effective date.

3. Elective and/or cosmetic surgery or treatment unless required as the result of a covered injury.

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 due to your traveling 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.

6. Any emergency 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.

7. Any medical treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or medical treatment of an acute sickness and/or injury after the initial emergency has ended.

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

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

10. Any medical treatment in your country of origin.

11. Transplants including, but not limited to, cornea or organ transplants or bone marrow transplants, artificial joints, prosthetic devices or implants including any associated charges.

12. The replacement of an existing prescription whether by reason of loss, unless otherwise specified elsewhere in this policy, renewal or inadequate supply or the purchase of drugs and medications (including vitamins) which are commonly available without a prescription or which are not legally registered and approved in Canada or which are not required as a result of an emergency.

13. Loss or damage to hearing devices, eyeglasses, sunglasses, contact lenses, or prosthetic teeth, limbs or devices and resulting prescriptions thereof.

14. A pregnancy that commences prior to the effective date; a child born during your trip; pregnancy, miscarriage, childbirth, or termination of pregnancy or complications thereof, except as provided under  Benefit #15 – Maternity. (Check Policy Wording)

15. For children under 2 years of age any sickness or a medical condition resulting from or related to a congenital defect.

16. Expenses for any benefit or medical treatment that requires prior approval by Intrepid 24/7™ 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.

17. A disorder, disease, condition or symptom that is emotional, psychological or mental in nature unless you are hospitalized or as provided in Benefit #16 – Psychiatric/Psychological.

18. 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.

19. Your commitment of or attempt to commit an illegal act or a criminal act.

20. Your suicide, attempted suicide or self-inflicted injury, whether you are sane or insane.

21. Rock or mountain climbing, hang gliding, parachuting, bungee jumping, or skydiving; participation in any motorsport or motor racing; participation in any sport as a professional athlete (for which you are remunerated) or scuba diving (except if certified by an internationally recognized and accepted programs such as NAUI or PADI, or if diving depth does not exceed 30 metres).

22. Death or injury sustained while operating or learning to operate an aircraft as a pilot or crew.

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

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

25. 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.

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

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

28. Any expenses resulting from a motor vehicle accident where you are covered under any other insurance policy, including motor vehicle insurance, except when such other insurance coverage is exhausted.

For more details please review the policy wordings

 Click here for the policy wording

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