Emergency Out of Province/Country Medical Insurance and Assistance

Unfortunately, things can happen when you’re travelling and unable to access regular medical resources. That’s why the Emergency Out of Province Medical Insurance Plan covers Plan members for up to 45 consecutive days on any one trip. The Plan ensures that covered students can visit a doctor or stay in hospital and receive necessary care.

Travel Assistance Program - Travel Assist

Emergency Out of Province Medical Care also offers Chartis Travel Assist – a toll-free number that Plan members can call from wherever they are traveling, 24 hours a day. Chartis Travel Assist operators can direct Plan members to the closest medical facility in the area and tell them what medical treatment is covered by the Plan. The service ensures that members get help as soon as possible and do not have unexpected costs when they return home.

Chartis hereby agrees to insure all international students of the Policyholder under age 65 for whom required premium has been paid (herein individually called the Insured Person), for injury sustained or sickness contracted by the Insured Person during the course of any trip outside his/her province of residence made by the Insured Person while this policy is in force for a maximum of 45 consecutive days any one trip.

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Excess Hospital Insurance

If injury or sickness of an Insured Person results in confinement during the period this insurance is in force in a hospital as an in-patient, Chartis will reimburse the Insured Person for the actual, reasonable and necessary emergency hospital expenses up to and including standard semi-private accommodations incurred during such confinement and payable by the Insured Person.

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Emergency Excess Medical Insurance

If injury or sickness of an Insured Person requires

• out-patient emergency room charges,
• emergency treatment by a legally qualified physician or surgeon,
• the service of a licensed ground ambulance from the scene of the accident or place of onset of the sickness to the nearest hospital, subject to a maximum of $500; the maximum benefit for air ambulance is $5,000 per occurrence,
• employment of a registered nurse when recommended by the attending physician,
• rental of crutches and appliances or a hospital-type bed,
• cost of splints, trusses, braces,
• x-rays and laboratory examinations which are required for diagnostic purposes; or treatment by a physiotherapist while hospitalized or up to a maximum of 3 treatments for the duration of any one trip only when recommended in writing by the attending physician, Chartis will reimburse the Insured Person for the actual expenses incurred during the period this insurance is in force for such treatment or services.

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Emergency Dental Accident Expense Reimbursement

If an Insured Person suffers injury to whole or sound teeth, Chartis will reimburse the Insured Person for the expense of necessary emergency treatment received while outside his/her province of residence, up to a maximum of $2,000 per accident.

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Emergency Prescription Drug Reimbursement

If injury or sickness of an Insured Person requires drugs or medicines on an emergency basis and such drugs or medicines are prescribed by the attending physician, Chartis will reimburse the Insured Person for the actual expenses incurred for such drugs or medicines.

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Emergency Evacuation

Chartis will pay all expenses up to a maximum of $40,000 for transportation, medical services and supplies necessarily incurred in connection with the emergency evacuation of the Insured Person due to injury or sickness commencing during the course of the scheduled trip. Such evacuation must be ordered by a legally licensed physician who certifies that the severity of the Insured Person’s injury or sickness warrants the emergency evacuation of the Insured Person.

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Repatriation Benefit

In the event of the death of an Insured Person due to injury or sickness, Chartis will pay the expense of preparing the body of the deceased for burial and homeward carriage of the body of the deceased to his province of residence, subject to a maximum of $5,000.

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Emergency Special Transportation

In the event of injury or sickness of an Insured Person, stretcher accommodation on scheduled airline is required by an Insured Person for return to his province of residence, Chartis will pay expenses incurred, subject to a maximum of $5,000.

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Attendant Transportation Benefit

In the event of the injury or sickness of an Insured Person, Chartis will pay the necessary travel expenses incurred, including the economy return airfare for a medical attendant certified as medically necessary, subject to a maximum of $5,000.

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Board, Lodging And Travel Expenses

In the event that an Insured Person is confined to hospital due to injury or sickness for a period of at least five consecutive days, Chartis will pay the reasonable board, lodging and extra travel expenses incurred by other Insured Persons who remain with the hospitalized Insured Person during the term of said hospitalization.

In the event of the injury, sickness or death of an Insured Person, Chartis will reimburse the expense incurred by an immediate family member limited to the return economy airfare to a maximum of $3,000 and $100 per day for commercial accommodation, to a maximum of 20 consecutive days.

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Maximum Payment

The lifetime maximum amount payable by Chartis with respect to an Insured Person is CDN $1,000,000.

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Exclusions

This insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of:

• pregnancy or complications thereof within two months of the expected termination date of pregnancy,
• declared or undeclared war or any act thereof, or
• suicide or any attempt thereat while sane or insane; or intentionally self-inflicted injury,
• any ailment or condition for which an Insured Person undertakes a journey for the purpose of securing or with the intent of receiving medical attention, prescription drugs or medicine, or hospital services,
• hospitalization expenses incurred after the first 48 hours of hospitalization without prior approval from Chartis,
• any elective (non-emergency) treatment or surgery;
  • not required for the immediate relief of acute pain and suffering;
  • which medically could be delayed until the Insured Person has returned to his/her province of residence;
  • which the Insured Person elects to have rendered or performed outside his/her province of residence following emergency treatment for, or diagnosis of, a medical condition which on medical evidence would not prevent the Insured Person from returning to his/her province of residence prior to such treatment or surgery.

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What To Do In The Event Of An Emergency?

If possible, before obtaining any medical services or advice, please call Chartis Travel Assist. The operator will direct you to a facility in your area of travel and ensure that the medical attention you receive is covered. If you do not contact Chartis Travel Assist, you may receive inappropriate or unnecessary medical treatment which may not be included in this coverage.

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Please make sure that, if you pay expenses yourself, you obtain original receipts and forward them to Chartis along with the completed claim form. Claim forms are available from Chartis or Chartis Travel Assist.

If you contact Chartis Travel Assist at the time of your emergency, they will ensure that your covered expenses are paid directly to the hospital or medical facility, and will send you a claim form to be completed.

Chartis will co-ordinate the submission of your claims with your provincial medical plan and your extended health care insurance plan (if any), on your behalf.