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Monday, November 19th, 2018
Allianz Global Assistance
EXPATRIATE
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Administrated by: Allianz Global Assistance (AGA)
Underwritten by: CUMIS General Insurance Company, a member of The Co-operators group of companies.
24 hours Emergency Assistance Center: AGA Emergency Assistance.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

BENEFITS:

  - Maximum Benefits: $100,000 (Standard); $500,000 (Enhanced) and $2,000,000 (Deluxe plan). 
  - Hospital accommodation: private room for Enhanced or Deluxe plan and semi-private room for Standard plan.
  - Physicians, surgeons, anesthetic and registered nurse.
  - Private Duty Nurse services *
  - Diagnostic Treatments: Lab tests and/or X-ray examinations ordered by a physician.
  - Ambulance Transportation: Licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when reasonable and necessary.
  - Medical Appliance: Rental of wheelchair, crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics. *
  - Prescription drugs or medications - 90-day supply, to a maximum of $10,000.
  - Professional Medical Services of a licensed chiropractor, osteopath or podiatrist. The services of a licensed physiotherapist, acupuncturist or naturopath when ordered by the attending physician as treatment for a covered sickness or injury. Not to exceed $500 per profession for Standard, $1,000 per profession for Enhanced, or $2,000 per profession for Deluxe.
  - Accidental Dental: Up to $3,000 (Standard option) or $5,000 (Enhanced or Deluxe option) for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
  - Dental Emergencies: Up to $500 for the immediate relief of acute dental pain, other than provided under Accidental Dental.
  - Emergency Transportation: The cost up to the policy limit of air ambulance, one-way economy airfare or stretcher to transport you to the nearest appropriate medical facility or to a Canadian hospital, and a medical attendant if required, when necessary continuing medical care is required and is not covered under this policy according to exclusion EXP10 (see Exclusions). * 
  - Return Home: Up to $5,000 for the cost of one-way economy transportation to Canada if:
            - you are permanently unable to perform activities of daily living as the result of a covered sickness or injury; or
            - you require long-term chronic care; or
            - the Department of Foreign Affairs and International Trade of the Canadian Government issues an advisory to avoid non-essential travel or all travel to your destination after the effective date or after your departure date to that destination.
This benefit also includes one additional insured family member. *
  - Attendant up to $500 for attendant to care for any family members under age 18, or physically or mentally handicapped, if you are hospitalized for 48 hours or more. *
  - Transportation of Family or Friend: Up to $3,000 for round-trip transportation to bring up to two family member(s) or close friend(s) to your bedside and up to $1,000 for accommodation, meals, telephone calls and taxi fares, if you are hospitalized and the attendance is recommended by a physician OR to identify your remains in the event of your death. *
  - Return of Deceased (Repatriation):  up to $10,000 to prepare and return your remains to Canada, or up to $4,000 for cremation or burial at the place of death. The cost of a coffin or urn is not covered.
  - Accidental Death & Dismemberment: Up to $10,000 - Standard Option; $50,000 - Enhanced Option; $100,000 - Deluxe Option.
  - Act of Terrorism: If you sustain a loss from an act of terrorism that is covered under this plan we will pay up to an aggregate limit in Canadian dollars. 

  - Physical Examination: one routine annual examination by a physician after the policy has been in effect for 9 consecutive months (not subject to any deductible). This benefit is limited to one visit in any consecutive 12-month period.
  - Eye Examination (only Enhanced and Deluxe Options) - one routine annual examination by an optometrist (not subject to any deductible). This benefit is available after the first 9 months and it is limited to one visit in any consecutive 12-month period.
  - Vaccinations: Up to $100 annually for vaccinations, after 6 months of continuous coverage. One year coverage must be purchased to qualify for this benefit.
  - Maternity Benefit: When the expected delivery date is more than 10 months after the effective date, AGA will reimburse up to 80% of the costs incurred by the mother as the result of pregnancy, childbirth or complications and 80% of the cost for routine new-born nursing care up to 14 days following birth. 
New-borns can be fully covered from 15 days of age following written approval by AGA.
For multiple policies with no lapse in coverage, effective date for this benefit means the effective date of the initial policy purchased.
Maternity benefit is limited to $5,000 for Standard option; $10,000 for Enhanced and $25,000 for Deluxe option.

Enhanced and Deluxe Options: Pre-existing medical conditions are covered for complications, if they have been stable during 365 days immediately before the effective date and a medical questionnaire has been completed and approved by AGA.

* Benefits are payable only when approved in advance by AGA.

ELIGIBILITY: 

1. Coverage is NOT AVAILABLE to any individual who, as of their effective date:
   a) has been diagnosed with a terminal illness; or
   b) has been diagnosed with or has had an episode of congestive heart failure; or
   c) has had their most recent heart surgery more than 10 years ago (Heart surgery includes heart bypass operation, angioplasty, valve surgery (repair or replacement), valvuloplasty, implanted pacemaker, implanted defibrillator); or
   d) has been diagnosed with Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or
   e) has been diagnosed with stage 3 or 4 cancer, or cancer of the lung, liver, pancreas, or bone; or has received treatment for any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) in the past 3 months; or
   f) has had a lung condition for which, in the last 12 months, they have been prescribed or used home oxygen; or
   g) has received or is awaiting a bone marrow or major organ transplant (heart, kidney, liver, or lung); or
   h) has been diagnosed with or received treatment for kidney disease requiring dialysis; or
   i) has been diagnosed with an aneurysm that has not been repaired; or
   j) requires assistance with activities of daily living. Activities of daily living means eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair) and dressing.
2. To be eligible for coverage you must, as of the effective date:
   a) be at least 15 days old and no more than 69 years old; and
   b) be either:
          i. a Canadian citizen or Canadian resident residing outside of Canada, or
          ii. a Canadian citizen or Canadian resident returning to reside in Canada, provided you were previously insured under an AGA administered policy with no lapse in coverage; and
   c) be in good health at the time you purchase your policy.
- Maximum period of coverage is 365 days.

Waiting Period:
Coverage for losses resulting from any sickness will begin 48 hours after the effective date if you purchase your policy:
a) after the expiry date of an existing AGA administered policy; or
b) after leaving Canada.
Any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period.
Stability period is the 365 days immediately before the effective date.
Stable describes any medical condition or related condition, including any heart condition or lung condition, for which:
a) there has been no new treatment; and
b) there has been no change in treatment or change in treatment frequency or type; and
c) there have been no signs or symptoms or new diagnosis; and
d) there have been no test results showing deterioration; and e) there has been no hospitalization; and
f) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of further investigations performed by any medical professional.
The following are considered stable:
a) Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the stability period.
b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the stability period and there is no increase or decrease in dosage.
c) A minor ailment, which describes a sickness or injury during the stability period which ended prior to the effective date and which did not require:
i. treatment for a period longer than 15 consecutive days; or
ii. more than one follow-up visit to a physician; or
iii. hospitalization, surgery, or referral to a specialist.
The following conditions are not considered stable:
a) any lung condition for which you were prescribed or are taking prednisone;
b) any heart condition for which you were prescribed or are taking nitroglycerin.
Heart condition includes heart attack (myocardial infarction), arrhythmia, atrial fibrillation, heart murmur, irregular heart rate or beat, chest pain or angina, arteriosclerosis, aneurysm, carotid artery occlusion, (congestive) heart failure, cardiomyopathy, heart by-pass operation, valve surgery (repair or replacement), valvuloplasty or any other kind of heart surgery, angioplasty, use of pacemaker or defibrillator, congenital heart defect or any other condition relating to the heart or blood vessels.
Lung condition includes chronic obstructive pulmonary disease (COPD), bronchial asthma, asthma, chronic bronchitis, emphysema, tuberculosis, pulmonary fibrosis.

EXTENSIONS:
If you decide to extend your trip, you may apply for a new period of coverage provided you meet the Eligibility requirements.
Each policy or period of coverage is considered a separate contract and all limitations and exclusions will apply. 

REFUNDS:
A full refund will be provided for policies which are returned within 10 days of purchase, as described in the section titled Right to Examine Policy of the policy wording.
When submitting your premium refund request, please include:
1. a fully completed and signed Refund Request Form; and
2. a copy of your confirmation of coverage; and
3. any other documentation to support your refund request.
Important Notes
Refunds are payable from the date we receive the request.
Refund requests should not be submitted until all claim costs have been incurred.
Any costs incurred after the date of the refund request are your responsibility and AGA will not be responsible for those charges.
Refunds for partial cancellations will be calculated by multiplying the monthly premium by the actual number of months the policy was in effect. This amount is then subtracted from the total premium paid.
Refund amounts less than the minimum premium will not be issued.

CLAIMS:
You must notify AGA Emergency Assistance (toll-free 1-800-995-1662 or worldwide collect 416-340-0049) prior to receiving any medical consultation, within 24 hours of admission to a hospital and before any surgery is performed. Failure to notify AGA Emergency Assistance as required will delay the processing and payment of your claim and may limit the amount of your claim payment. 
- To apply for benefits, complete the claim form and include all original bills. Incomplete forms will cause delay.
- Claims must be reported within 30 days of occurrence.
- Written proof of claim must be submitted within 60 days of occurrence.
- For Accidental Death & Dismemberment Benefits include also: 1. Police report; 2. Coroner's report; 3. Death certificate.
SUBMIT CLAIMS TO:
Allianz Global Assistance Claims Department 
2100-250 Yonge Street
Toronto ON, Canada M5B 2L7

AGA Emergency Assistance and claims personnel are available to help you 24 hours a day, 7 days a week. AGA's experienced multilingual staff verifies coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed. 
Call AGA Emergency Assistance or have someone call on your behalf as soon as possible.

EXCLUSIONS:

EXP1 Pre-existing Conditions Exclusion
Standard Option: Benefits are not payable for costs incurred due to any sickness or injury or medical condition, whether or not diagnosed by a physician:
a) for which you exhibited signs or symptoms; or
b) for which you required or received medical consultation; and
c) which existed prior to the effective date of your coverage.
Enhanced and Deluxe Options: Benefits are not payable for costs incurred due to or resulting from your medical condition or related condition that was not stable at any time during the stability period.
EXP2 Benefits are not payable for costs incurred due to any sickness for which signs or symptoms occurred during the 48 hours after the effective date, except when the application for this insurance is received:
a) prior to your leaving Canada; or
b) before the expiry date of your existing AGA administered policy.
EXP3 Benefits are not payable for costs or losses incurred while sane or insane due to:
a) your emotional or nervous disorders resulting from any cause, including but not limited to anxiety or depression; or
b) your suicide or attempted suicide; or
c) your intentional self -inflicted injury.
EXP4 Benefits are not payable for costs incurred due to pregnancy, abortion, miscarriage, childbirth or complications thereof, except as specifically provided under Maternity Benefit.
EXP5 Benefits are not payable for costs incurred due to loss, death or injury, if at the time of the loss, death or injury, evidence supports that the medical condition causing the loss was in any way contributed to by:
a) your intoxication or chronic abuse of alcohol, prohibited drugs, or any other intoxicant; or
b) your non-compliance with prescribed treatment or medical therapy; or
c) your use of medication or drugs that have not been approved by the appropriate government authority; or
d) your misuse of medication.
EXP6 Benefits are not payable for costs incurred due to injury resulting from training for or participating in:
a) motorized speed contests; or
b) stunt activities; or
c) professional sport activities (Professional means you are considered professional by the governing body of the sport, earn the majority of your income from such activity, and are paid for your participation whether you win or lose); or
d) high-risk activities. High-risk activity(ies) mean(s) any skiing out of bounds, heliskiing, ski jumping, skydiving, sky-surfing, scuba diving (except if certified by internationally recognized and accepted program such as NAUI or PADI, or if diving depth does not exceed 30 metres), white water rafting (except grades 1 to 4), street luge, skeleton activity, mountaineering, or participation in any rodeo activity. Mountaineering means the ascent or descent of a mountain requiring the use of specified equipment including crampons, pick axes, anchors, bolts, carabiners and lead-rope or top rope anchoring equipment.
EXP7 Benefits are not payable for costs incurred due to sickness or injury resulting from a motor vehicle accident where you are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance, except when such benefits are exhausted.
EXP8 Benefits are not payable for costs incurred due to any sickness, injury or medical condition for which a diagnosis need not have been made when travel is undertaken for the purpose of securing medical treatment or advice, unless previously approved by AGA.
EXP9 Benefits are not payable for costs incurred due to your travelling against the advice of a physician or any loss resulting from your sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.
EXP10 Benefits are not payable for costs incurred due to:
a) any treatment which can be reasonably delayed until you return to Canada (whether or not you intend to return) by the next available means of transportation, unless approved in advance by AGA; or
b) any treatment which can be reasonably delayed until your government health insurance plan takes effect if you are waiting for coverage under a government health insurance plan to take effect; or
c) any treatment, investigation or hospitalization which:
i. is a continuation of or subsequent to an in-patient hospitalization; or
ii. exceeds 30 days following the initial day that necessary outpatient treatment of a covered sickness or injury began; unless approved in advance by AGA.
EXP11 Benefits are not payable for costs incurred due to any medical consultation that is elective or related to a prior elective procedure, except as specifically provided under Physical Examination Benefit and Eye Examination Benefit.
EXP12 Benefits are not payable for costs incurred due to cosmetic surgery unless such emergency surgery is a result of a covered sickness or injury.
EXP13 Benefits are not payable for costs incurred due to holistic treatment.
EXP14 Benefits are not payable for costs incurred due to dental care, services or supplies, except as specifically provided under Dental Benefit.
EXP15 Benefits are not payable for eye glasses, contact lenses, hearing aids and/or prescriptions for any of these items.
EXP16 Benefits are not payable for costs incurred due to the purchase of:
a) medications or drugs not approved for use by the appropriate government authority; or
b) vitamins or vitamin preparations; or
c) drugs or medications which can be purchased over the counter without a physician’s written prescription; or
d) acne medications; or
e) nicotine resin products; or
f) dietary supplements or weight loss products; or
g) quantities of any drug or medication which exceed a 30 -day supply within one month prior to the expiry date; or
h) contraceptives prescribed for any purpose, contraceptive consultation or testing; or
i) fertility drugs or testing; or
j) drugs, medications, or other costs paid for by any other agency; or
k) experimental drugs or preventative medications; or
l) drugs purchased prior to the effective date; or
m) vaccines or vaccinations other than as provided under Vaccines Benefit.
EXP17 Benefits are not payable for costs that exceed the reasonable and customary rate for the area where the treatment or services are being performed, or costs incurred in Canada which exceed the applicable provincial medical/dental association schedule of fees.
EXP18 Benefits are not payable for costs incurred due to treatment or services that contravene, or are prohibited by, legislation under a provincial or territorial hospital/ medical plan.
EXP19 Benefits are not payable for costs incurred in the USA or Mexico if coverage is purchased for Zone 2, except for loss due to acute emergency hospital and other covered emergency costs due to sickness or injury occurring during the period of coverage while you are travelling to or from Canada in transit through the USA or Mexico for a period of up to 5 days.
EXP20 Benefits are not payable for costs incurred due to any loss incurred in a city, region, or country when, prior to the effective date or departure date to that destination, the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country. If you are already at that destination on the date a warning is issued, coverage will be provided for 5 days to allow you to leave for a safe location.
EXP21 Benefits are not payable for costs incurred due to any fraudulent, dishonest or criminal act by you, or any person acting with you, or your authorized representative, whether acting alone or in collusion with others.
EXP22 Benefits are not payable for costs incurred due to any:
a) act of war; or
b) kidnapping; or
c) act of terrorism caused directly or indirectly by nuclear, chemical or biological means; or
d) riot, strike or civil commotion; or
e) unlawful visit in any country.
EXP23 Benefits are not payable for costs incurred due to any nuclear, chemical or biological occurrence, however caused.
EXP24 Benefits are not payable for costs incurred due to the participation by you, a family member or travelling companion in:
a) protests; or
b) armed forces activities; or
c) a commercial sexual transaction; or
d) the commission or attempted commission of any criminal offence; or
e) the contravention of any statutory law or regulation in the area where the loss occurred.
EXP25 Accidental Death & Dismemberment benefits are not payable for losses incurred while being the occupant of a common carrier, either as passenger or crew, or while boarding or disembarking from a common carrier.
EXP26 Common Carrier benefits are not payable for losses incurred while being an on-duty crew member of a common carrier.

-  If you have a change in your health between the date you apply for coverage and your departure date or the effective date of any extension, you must contact your insurance representative prior to leaving on your trip to fully understand how your change in health affects your coverage under this policy. Failure to do so may limit the amount of your claim payment or result in your claim being denied. If you have been medically underwritten, you will also need to complete a new medical questionnaire.

- By selecting the Zone 1 option, as indicated on your confirmation of coverage, coverage is worldwide.
- By selecting the Zone 2 option, as indicated on your confirmation of coverage, coverage is worldwide, excluding the USA and Mexico. Coverage within the USA and Mexico is limited to 5 days while in transit to and from Canada.

 

RATES:

Standard Option
  USA/Mexico Non-USA/Non-Mexico
Sum Insured $100,000 CAD $100,000 CAD
Age Premium per month - CAD
0-39 $107 $61
40-44 $168 $96
45-49 $208 $119
50-54 $258 $147
55-59 $308 $176
60-64 $398 $228
65-69 $561 $321

 

Enhanced Option
  USA/Mexico Non-USA/Non-Mexico
Sum Insured $500,000 CAD $500,000 CAD
Age Premium per month - CAD
0-39 $123 $70
40-44 $194 $111
45-49 $239 $136
50-54 $297 $170
55-59 $355 $203
60-64 $458 $262
65-69 $645 $369
Deluxe Option
  USA/Mexico Non-USA/Non-Mexico
Sum Insured $2,000,000 CAD $2,000,000 CAD
Age Premium per month - CAD
0-39 $139 $79
40-44 $219 $125
45-49 $270 $154
50-54 $335 $192
55-59 $401 $229
60-64 $518 $296
65-69 $729 $417

 

 

 

 

 

 

 

 

 

 

 

Optional deductibles for premium savings:
$500 deductible........................savings 5%
$1,000 deductible.....................savings 10%
$5,000 deductible.....................savings 30%

   - You must complete Medical Questionnaire and get approval from AGA except when you have selected: Standard Option. 
   - All options offer coverage worldwide except options excluding Non-USA/Non-Mexico which covers transit through the U.S.A. and Mexico for up to 5 days while travel to and from Canada.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

DOWNLOADS:

Allianz Expatriate POLICY PDF

Allianz Expatriate CLAIM FORM PDF

Allianz Global Expatriate BROCHURE PDF

Please, CONTACT US for more information or to apply for AGA Expatriate Plan

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