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:

Preventative Vaccines (Reasonable & Customary, per calendar year.)*
 

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

Drug Benefits do NOT Include:

Mandatory Generic Product Selection

Brand name drugs will be covered up to the amounts listed above up to the cost of the lowest-priced generic equivalent.

Only those drugs which legally require a prescription and are eligible under your benefits will be covered.

Practitioner Coverage - 80% Coverage

$500 Annual Maximum

Acupuncturists

Chiropractors*

Dietitians

Massage Therapist*

Speech Therapists
 

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

Practitioner Coverage - 80% 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)

Gender Affirming Care Benefit (80%/ up to a $10,000 lifetime maximum)

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

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

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

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

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

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

Trip Cancellation/Interruption Benefits
100% Coverage

$10,000 Combined Limit

Trip Cancellation: $5,000

Repatriation of mortal remains (maximum $15,000)

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