All Other Pharmacies

80% Coverage for Generic Drugs and Brand Name Drugs*

Dispensing Fee: 100% Up to Any Amount
 

Rexall + Telus

80% Coverage for Generic Drugs and Brand Name Drugs

Dispensing Fee: 100% Up to Any Amount

Drug Benefits also Include:

Vaccines**

Fertility Drugs (50% coinsurance / $1,500 lifetime max.)
 

Drug Benefits do NOT Include:

Brand-Name Medications

Your Plan will cover the cost of the generic version of your medication. If you are on a brand-name medication that cannot be changed, you can submit a note from your doctor indicating the need for your brand-name drug. The letter must include the below details or your request will be delayed.

Practitioner Coverage - 70% Coverage

$500 Annual Maximum

Acupuncturists

Chiropractors*

Dietitians

Speech Therapists
 

*Please note that you need a referral by a medical doctor to be covered.

Practitioner Coverage - 70% Coverage

 $500 Annual Maximum

Psychologists/Psychotherapists/Social Worker (Registered Clinical Counsellors) (Combined)

Physiotherapists*

Naturopaths

Osteopaths/Chiropodists/Podiatrists (Combined)

*Please note that you need a referral by a medical doctor to be covered.

Hospitalization - 100% Coverage

Hospital Room (Semi-Private Accommodation) (In Province)

Other Medical Coverage

Coverage is to maximum indicated, unless otherwise stated

Ambulance to Nearest Treating Hospital (Reasonable & Customary)

Cardiac Rehabilitation ($500/ lifetime maximum)

Glucose Monitoring Systems ($3,000/Benefit year)*

Hearing Aids ($300/ 1 every 5 Benefit Years)

Insulin Pumps ($5,000, every 5 benefit years)

Insulin Pumps Supplies ($3,500, per benefit year)

Orthotics (Inserts) and Orthotics (Shoes) ($300 per benefit year)**

Private Duty Nursing ($5,000 per calendar year)

Trip Cancellation/Interruption Benefits
100% Coverage

$10,000 Combined Limit

Trip Cancellation: $5,000

Repatriation of mortal remains (maximum $7,500)

Trip Interruption: $5,000

1. Pre-Paid Expenses
2. Transportation Expenses

Trip Interruption: $250 per day

1. Meals & Accomodation

Exclusions

Expenses incurred for injuries and/or illness as a result of the insured’s reckless behavior while on a trip, including international non-compliance with a prescribed treatment or therapy, or intentional misuse of medication or reckless disregard for their own health or safety while engaging in activities or treatment thereof, or accidents relating thereto.

This insurance does not cover any loos or expense related in whole or in part, directly or indirectly, to pre-existing conditions of an insured person, travel companion, immediate family member or key employee.

Baggage and Personal Effects Benefits
100% Coverage

$2,000 per family per Trip

$250 Deductible Applies

Loss of or Damage to Baggage and Personal Effects: $500 per trip subject to a maximum of $500 for any one item or set of items

Delay of Baggage and Personal Effects: $400 towards the replacement of the necessary toiletries and clothing

Prescription Replacement Service: $200 for the replacement of medically necessary prescription drugs that are lost, stolen or damaged.

Replacement of Travel Document: $200 towards the replacement of one or more of the Insured Person driver's license, passport, birth certificate or travel visa
 

Emergency Medical Services

Up to $2,000,000 lifetime maximum

Medical Expenses including physician, surgeon and specialists

Emergency Room and Hospital Expenses

Repatriation

What is an Accident?

An accident means an occurrence due to external, violent, sudden, fortuitous causes beyond the insured’s control, which must occur while the student is insured under this policy

Coverage Maximum $2,000 to $3,000

Accidental Dental Expense ($2,000)

Funeral Expense ($2,500)

Hospital Indemnity ($2,500)

Seat-Belt Indemnity ($3,000)

Coverage Maximum $5,000

Bereavement Expense

Day-Care Indemnity

Tutorial Fees Expense (Education Indemnity)

Coverage Maximum $10,000

Coverage Maximum $15,000

Family Transportation Expense

Occupational Training Expense

Rehabilitation Expense

Coverage Maximum $20,000 to 50,000

Repatriation Expense ($20,000)

Identification Expense ($50,000)