• Age eligibility: 15 days to under 90 years

• Coverage must be purchased before or after arrival (waiting period may apply)

• Pre-existing conditions are subject to stability requirements:

  • 90 days (ages under 70)

  • 180 days (ages 70–84, with medical declaration)

• Maximum coverage period: 365 days

• Deductible options available

• Coverage applies to emergencies only

• No coverage for routine, elective, or non-emergency care

• Coverage for sudden and unforeseen medical emergencies

• Hospital accommodation (ward or semi-private room depending on plan)

• Emergency room visits and outpatient hospital services

• Physician and specialist services

• Diagnostic tests and X-rays required for emergencies

• Ground ambulance transportation

• Prescription medications:

  • Up to $500 per prescription (Standard)

  • Up to $1,000 per prescription (Enhanced)

• Private duty nurse services when approved

• Follow-up visits related to the emergency

• Accidental dental injury:

  • Up to $1,000 (Standard)

  • Up to $3,000 (Enhanced)

• Emergency dental pain relief:

  • Up to $300 (Standard)

  • Up to $500 (Enhanced)

• Accidental Death & Dismemberment (AD&D):

  • Up to $100,000

• Flight accident coverage:

  • Up to $50,000

• Emergency ambulance (ground or air when approved)

• Medical evacuation or return to Canada or country of origin when medically necessary

• Escort by a qualified medical attendant if required

• Return of dependent children with escort

• Return of excess baggage (up to $500)

• 24/7 MSH Assistance for emergency coordination and direct billing
  *Important: MSH Assistance must be contacted before treatment or within 24 hours of hospital admission to avoid benefit reductions.

(Available only with Enhanced Plan)

• Transportation for a family member or friend to bedside

• Meals, accommodation, childcare, and essential expenses during hospitalization

• Hospital allowance for incidental expenses

• Higher limits for prescriptions, dental, and repatriation of remains

Coverage includes temporary trips outside Canada provided:

• At least 51% of the coverage period is spent in Canada

• No more than 30 consecutive days outside Canada

• No coverage in the country of origin