Accident & Sickness Policy

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Accident & Sickness Policy


We will make every effort to provide you with assistance for a medical emergency arising anywhere in the world. Our agents will not be responsible for the availability, quantity, quality, or results of any medical treatment received, or for failure to obtain medical service.

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  • Coverage is NOT AVAILABLE to any individual who::

    a) has been diagnosed with a terminal illness; or
    b) has Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV); or.
    c) has been prescribed or used home oxygen treatment in the last 12 months; or
    d) has been diagnosed with or treated for congestive heart failure; or e) has had a major organ transplant (heart, kidney, liver, lung); or f) has received kidney dialysis treatment in the last 12 months.

  • To be eligible for coverage you must, as of the effective date:

    a) be at least 15 days old; and
    b) be in good health at the time you purchase your policy and on the effective date, and know of no reason why you would attend any medical consultation during the period of coverage; and
    c) not be insured or eligible for benefits under a Canadian government health insurance plan. If you become eligible for and insured under the government health insurance plan of the province or territory in which you reside, the insurance will apply only to those benefits not provided under the provincial or territorial government health insurance plan

Insuring Agreement

In consideration of the application for insurance and payment of the appropriate premium, and subject to the terms, conditions, limitations and exclusions of this policy, if you incur eligible expenses for emergency hospital and emergency medical care or services during the period of coverage as the result of a medical condition occurring during the period of coverage, the insurer will pay up to the sum insured for the reasonable and customary costs for eligible expenses,in excess of any deductible amount and the amount allowed and/or paid for by any other insurance plan(s).


Download Destination Canada Insurance Plan Policy document

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