Pre-existing Coverage
For age 79 and under, Yes. If stable 120 days before effective date
Waiting Period
For age 85 or under, purchase anytime after arrival, 48 hours waiting period; Age 86 and over, 15 days waiting period
Deductible
Age 85 and under, $0/$50 deductible; Age 86 and above, $500 per cover trip
Air Flight & AD&D
Cover Air flight accident up to sum insured
Medical Questionnaire
No medical questionnaire required
Travel Outside of Canada
Cover anywhere traveling except own country, provided more than 50%time in Canada
Cancellation
No charge before effective date; $20 after; net amount less than $10 will not be refund
Follow up Visit
No specified limit
Minimum Premium
$20
Claim
Around 4-6 weeks processing
Special Features
Cover Acupuncture up to $500 purchase 1 year policy; Caculate premium base on application date not effective date
Extension
Max coverage period 365 days up to age 85 inclusively and 180 days for persons age 86 years old or older. Extension must be approval.