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
N/A
Laboratory Diagnostics / X-Ray
Included
Prescription Medications
A 30-Day Supply
Dental Pain Relief
N/A
Emergency Dental Repair
Max $2,500
24-hour Emergency Assistance Center
Available
ambulanceTransportation
Covered
Emergency Home Return / Evacuation
Max $250,000
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 $12,000
Rental / Purchase of Medical Appliances
Covered(Not exceeding the Purchase Price)
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
Covered
Double Dismembernent
Covered
Single Dismembernent
Covered
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
Covered
Trip-Break Benefit
N/A
Common Carrier
Covered
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
Max $600

Eligibility Requirements:

To be eligible for coverage, you must be:

a. an international student at an educational institution with a current passport and/or student visa, under the age of 65, residing in Canada, whose name is on file with the plan administrator as being insured under this policy during the coverage period; or

b. the international student’s teacher or chaperone under the age of 65; or

c. the parent/legal guardian, spouse, and/or dependent child(ren) under the age of 65 of any of the persons listed above, residing together in Canada, and sharing the same coverage period.

Claim Procedure

1. Emergency Medical Assistance

This policy provides worldwide emergency assistance for you while in Canada, or on an excursion, except where local conditions render such assistance not feasible. In the event of sickness or injury covered by this policy requiring hospitalization, surgery, major diagnostic testing, or any medical treatment outside of Canada, Intrepid 24/7™ must be notified within 48 hours from the time of emergency. If Intrepid 24/7™ is not informed, this could result in the denial of claims for some expenses and some expenses being only partially covered. In the event of a medical emergency you or someone acting on your behalf must call one of the worldwide telephone numbers listed below:

U.S. and Canada 1-866-883-9787

Elsewhere 1-416-640-7865 Collect

It is your responsibility to ensure that Intrepid 24/7™ is contacted or to inform someone on your behalf to do so. If Intrepid 24/7™ is not contacted within 48 hours, benefits under this policy may be limited.

2. Notice and Proof of Claims

Intrepid 24/7™ will coordinate services and billings with providers to ensure direct billing of your expenses where available and when notified accordingly. In such instances you will only be required to complete a claim form to authorize the sharing of your personal information. If you pay directly for medical services and need to seek reimbursement, you or someone acting on your behalf must retain all original itemized invoices and receipts from all medical providers, original prescription receipts, and any other original claim documents to substantiate any eligible expenses. Claims may be filed by electronic claims submission or by mail to:

Intrepid 24/7TM – Claims Administration

150 King Street West, Suite 602, PO Box 75

Toronto, Ontario (Canada) M5H 1J9

1-866-883-9485 or 416-640-7862 | claims@intrepid247.com | www.studyinsured.com

Note: Remember to retain a copy for your records.

Claim documents must be received within the following timelines in order for your claim to be eligible:

a. within 365 days from the date of the sickness or injury, furnish to us such proof of claim as is reasonably possible in the circumstances of the happening of the sickness or injury occasioned thereby during the coverage period; and

b. if so required by us, furnish a certificate as to the cause and nature of the accident or injury caused thereby, for which the claim is made and as to the duration of the injury or loss, from a legally qualified medical practitioner.

3. Notice of Claim

After Your Policy Ends We must receive your claim within twelve (12) months of the date their policy ended. We will not pay any claim we receive more than twelve (12) months after the date your policy ended, regardless of when the eligible expense was incurred.

Refunds

In the event that you have cancelled your trip, you have been denied entry to Canada, or that you return permanently to your home country, you shall be entitled to a pro-rata refund of the unused portion of the insurance premium you have paid, provided that no claims have been or will be submitted under this policy. Refunds will be subject to any applicable refund rules of the educational institution and/or a $25 administration fee. Full refunds will only be granted if requested before the start date of the policy or within thirty (30) days of denied entry to Canada.

Failure to contact Intrepid 24/7™ in the event of hospitalization within 48 hours from the time of the emergency may limit eligible medical expenses.

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. Injuries received while you are participating in any manoeuvres or training exercises of the armed forces, National Guard or organized reserve corps of any country or international authority.

3. Pregnancy, miscarriage, voluntary termination of pregnancy, childbirth, or their complications except as provided in Benefit #12 - Maternity.

4. Any elective, dental, plastic or cosmetic surgery except as the result of a covered emergency, as provided under Benefit #5 - Dental Emergency.

5. Any sickness or injury if at the time of the sickness or injury, you are under the influence of drugs, alcohol or other intoxicants (unless administered on, and in strict accordance with, the advice of a legally qualified physician).

6. Mental, emotional or psychological disorders including medications except as provided under Benefit #3 - Psychiatric/Psychological Care and/or Benefit #11 - Repatriation of Remains.

7. Treatment or services that contravene any GHIP plan in Canada.

8. Suicide or any attempt at suicide whether you are sane or insane.

9. Intentionally self-inflicted injury or any attempt at intentionally self-inflicted injury, whether you are sane or insane.

10. An act of declared or undeclared war, civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition by or under the order of any government or public or local authority.

11. Any services or supplies provided by you or your immediate family member.

12. A sickness or injury that, at the time of departure from your home country, might reasonably be expected to require you to undergo medical treatment, surgery or hospitalization.

13. Any medical treatment claimed under the Emergency Benefits section of the policy required on an ongoing basis including continued stabilization of a medical condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or convalescent or ongoing care, and medical treatment of an acute sickness and/or injury after the end of emergency except as provided in Benefit #8 - Private Duty Nurse and Home Health Care.

14. The portion, if any, of any expenses for treatment, advice or hospitalization which are not reasonable and customary.

15. Medical treatments or services within your home country except where travel is expressly taken in order to participate in a school-organized sporting or extra-curricular event.

16. 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.

17. Translation services of any kind, even when utilized in the delivery of medical services.

18. Organ transplants.

19. Any sickness, injury or medical condition for which a diagnosis need not have been made, where the policy is purchased or the visit is undertaken for the purpose of securing or with the intent of receiving medical or hospital services, whether or not such visit is taken on the advice of a physician or surgeon.

20. 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.

21. The worsening, recurrence, side effects or complications of a medical condition resulting from your non-compliance or failure to follow the directions of a physician or other health care provider except as provided under Benefit #11 - Repatriation of Remains.

22. Injury resulting from participation in: professional athletics (for which you are remunerated); mountain climbing; aviation except as a fare-paying passenger on a commercial aircraft; hang gliding; skydiving; parachuting; bungee jumping; snow skiing or snowboarding outside of marked trails at supervised recreational facilities; motorized speed events or contests; scuba diving unless PADI/NAUI certified or accompanied by a certified instructor.

23. 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 expenses are the result of the reason for which the warning was issued.

24. Any sickness, injury or medical condition resulting from the commission or attempted commission of an illegal act by the insured person.

25. Any consultation or treatment for Attention Deficit Hyperactivity Disorder (ADHD) or similar conditions or diagnoses.

26. 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.

27. Further medical treatments or services in Canada for any sickness, injury, or medical condition that arose during a visit to your home country, except where travel is expressly taken in order to participate in a school-organized sporting or extra-curricular event.

The following additional exclusions are also applicable to Accidental Death & Dismemberment benefits:

Sickness, disease, or disability whether the loss or claim results directly or indirectly from any of these:

28. Mental incapacity whether the loss or claim results directly or indirectly from any mental incapacity.

29. Sustained while you are undergoing the medical or surgical treatment of sickness, disease, or bodily or mental infirmity.

30. Stroke or cerebrovascular condition, cardiovascular condition including, but not limited to, myocardial infarction or heart attack, coronary thrombosis, aneurysm.

31. Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if you are: a. riding as a passenger in any aircraft not intended or licensed for the transportation of passengers; or b. performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft.

32. Infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine poisoning or an accidental cut or wound independent and in the absence of any underlying sickness, disease or condition including but not limited to diabetes.

33. An act, attempted act or omission taken or made by you, or an act, attempted act or omission taken or made with your consent, for the purposes of interrupting the blood flow to your brain or to cause asphyxiation to you, whether with intent to cause harm or not.

34. Natural causes

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