Extended health insurance

You can select either individual or family coverage. Family coverage includes your eligible Spouse and/or Dependent child.

The Extended Health Insurance Plan reimburses 100% of the eligible medical expenses . Supplies and services must be medically necessary for treatment of an injury or illness, and performed or prescribed by a doctor. The eligible medical expenses are the following:

When you are traveling or studying outside Canada (when studying, you need to obtain the approval of Canada Life), the plan covers medical supplies or services that would be eligible for reimbursement in Canada up to the amount that Canada Life considers reasonable compared with prices generally charged in the area where expenses are incurred.

In case of emergency hospitalization, the plan will reimburse the cost of accommodation above the amount payable by the provincial health care plan in your province of residence.

All expenses for and medical expenses are subject to a CA$5,000,000 lifetime maximum for each covered person. Always get approval before incurring any expense by phoning the Global Medical Assistance emergency travel assistance hotline (listed on your Canada Life card.)

The University also provides emergency travel assistance under the Global Medical Assistance Program for travel outside your normal province of residence. Your Canada Life card is your proof of coverage while you are traveling for business or pleasure. You are issued one Canada Life card for yourself. If you have family coverage, you get additional cards for your Spouse, as well as for your Dependent child who are age 21 or over. This card includes the emergency hotline telephone numbers.

Global Medical Assistance Program enhances the coverage you already have, for periods of travel. This plan provides medical and non-medical services as outlined below:

• Multilingual telephone assistance: You have access to a 24-hour-a-day hotline that you can call toll free or collect, linking you with a qualified network of professionals who can help with medical, legal, or other travel-related emergencies.
• Emergency advance hospital/medical payments: The plan will provide advances for medical expenses exceeding CA$200 and coordinate claims on behalf of the covered person.
• Medical evacuation: If medically required, the plan will arrange for the transfer of the patient to a medical facility better equipped to treat the emergency, either in the country where it occurred or, on recommendation of Canada Life, in Canada or any other country.
• Transportation home following hospitalization: If a covered person is hospitalized and misses prearranged and prepaid transportation, the plan will provide return transportation to Canada. Any valid, open, return ticket held by the covered person will be utilized.
• Return travel expenses for travelling companions: If a covered person is hospitalized, the plan will provide return transportation to Canada for other covered persons who missed prearranged and prepaid transportation as a result of the hospitalization. This will include a qualified escort for unattended covered children under age 16.
• Meals and accommodation: Following pre-authorization by Canada Life, the plan will pay meal and accommodation costs to a combined maximum of CA$2,000 per medical emergency for a covered person who is unable to travel due to medical reasons following discharge from the hospital and/or their covered travelling companion.
• Visit of a family member: If a covered person is traveling alone and is expected to be hospitalized for more than seven days, the plan will pay round-trip economy airfare for an immediate family member to come to the place of hospitalization outside Canada. This benefit is also provided if a family member must identify the deceased before the body is released.
• Repatriation (up to CA$5,000 maximum): If a covered person dies while travelling, the plan pays the cost of returning the remains to their normal province of residence, including the cost of post-mortem treatment, government authorization, and a coffin required for international transportation. Expense related to the burial will not be paid.
• Return of vehicle (up to CA$1,000 maximum): If a covered person is not able to operate a vehicle (owned or rented) because of injury, illness, or death, the plan will pay for the vehicle to be returned home, or to the nearest rental agency.

The Extended Health Insurance Plan does not reimburse expenses for broken appointments, completion of claim forms or supplies and services that are:

• Received before the plan was in effect;
• Required as a result of self-inflicted injuries (while the person was sane or insane), or resulting directly or indirectly from insurrection, war, service in the armed forces of any country, or participation in a riot;
• Eligible for reimbursement under any government plan, or for which a government or government agency prohibits payment of benefits;
• Related to periodic health examinations, examinations required by a third party, or travel for health;
• Provided for cosmetic reasons unless required to correct damage caused by accidental injury sustained while the person was covered by the plan;
• Provided by an immediate family member or a person who lives with the covered person;
• Normally rendered without charge or for which the covered person receives benefits as a result of legal action or settlement;
• Required as a result of injury or illness sustained during commission or attempted commission of a criminal offence (not including impaired driving);
• Vitamins other than injectable and dietary supplements (whether or not prescribed for a medical reason);
• Medicines bearing a General Public (G.P.) number on their label and
• Services, drugs or supplies that are judged experimental in terms of generally accepted medical standards;

Global Medical Assistance Program emergency travel assistance coverage is not responsible for:

• The availability, quality or results of any medical treatment or the failure of a covered person to obtain medical treatment for any reason.

Services may not be available in all countries due to conditions such as war, political unrest or other circumstances.