Graduate Plan

• Hospital Accommodation: up to 60 days per sickness or injury / semi-private room / outpatient consultations
• Psychiatric Treatment: up to $10,000 when admitted to hospital, and up to $1,000 for outpatient consultations
• Physician Charges: medical treatment by a physician
• Diagnostic Services: laboratory tests and X-rays
• Trauma Counselling: 6 sessions
• Paramedical Services: speech therapist, physiotherapist, chiropractor, osteopath, naturopath, acupuncturist, chiropodist or podiatrist, up to $500 per profession
• Prescription Drugs: limited to a 30-day supply per prescription
• Private Duty Nursing: up to $10,000 per sickness or injury
• Medical Appliances: crutches, casts, splints, canes, and others / up to $200 for prescription glasses or contact lenses and up to $300 for hearing aids, when required after an emergency for which hospitalization was required
• Treatment of Dental Accident: up to $4,000
• Emergency Relief of Dental Pain: when a minimum of 180 days of coverage has been purchased, up to $600 for the relief of acute dental pain
• Impacted Wisdom Tooth: up to $100 per tooth for the extraction of wisdom teeth
• Emergency Treatment Outside Canada (excluding your country of origin): provided at least 51% of the period of coverage is spent in Canada (visits to the United States are limited to 30 days)
• Ambulance Services: when medically necessary
• Emergency Air Transportation: when approved in advance and medically necessary
• Family Transportation and Subsistence Allowance: up to $5,000 for single round-trip economy airfare for one immediate family member including $150 per day to a maximum of $1,500 for meals and commercial accommodations
• Return to the Country of Origin: up to $5,000 for one-way economy airfare for return to the country of origin for immediate medical care
• Preparation and Return of Remains: up to $10,000
• Accidental Dismemberment or Total Permanent Loss of use of limb or sight: up to $15,000
• Accidental Death: $15,000
• Air Flight/Common Carrier Accident: up to the policy maximum, not to exceed $100,000, in case of death

No emergency is required for the following benefits:

• Annual Medical Examination: when a minimum of 180 days of coverage has been purchased, up to $100 for one examination and related laboratory tests / up to $100 for one consultation for the prescription of the ‘morning after pill’
• Maternity: up to $1,000 for pregnancy or complications thereof (excludes childbirth and voluntary interruption of pregnancy) / the pregnancy must start after the effective date of the insurance
• Eye Examination: when a minimum of 180 days of coverage has been purchased, up to $100 for an eye examination by an optometrist or an ophthalmologist
• Psychologist: up to $500
• Accessibility Corrective Device Defect, Malfunction and Theft Protection: up to $1,000 to replace or repair a corrective device

Note: this is a summary only; the formal policy wording provided to each customer is the only legally binding description of the coverage. Please see your policy wording for a full list of limitations and exclusions.