Visitors to Canada Emergency Medical Insurance (VTC)

Benefit

Essential Plan

Premier Plan

Coverage for Pre-existing Conditions

Available for some conditions, for visitors up to age 79

Maximum Duration

558 Days

558 Days

Emergency Medical*

$25,000, $50,000, $100,000, or $150,000 (Depends on plan limit chosen)

$25,000, $50,000, $100,000, or $150,000 (Depends on plan limit chosen)

Hospitalization

Included (Semi-Private)

Included (Semi-Private)

Services of Physician, Surgeon, In-Hospital Nurse

Included

Included

Ambulance

Included

Included

Diagnostic, Laboratory & X-Rays

Included

Included

Therapeutic Equipment Rental & Purchase

Included

Included

Prescription Medications

30 day supply, up to $1,000 per occurrence

30 day supply, up to $10,000 per occurrence

Emergency Return Home

Included

Included

Emergency Dental*

Injury $2,000
Non-Injury Pain $300

Injury $4,000
Non-Injury Pain $500

Repatriation of Remains

$10,000

$16,000

Cremation/Burial At Destination

$4,000

$6,000

Identification of Remains

Round-Trip Airfare + $450 Expenses

Round-Trip Airfare + $450 Expenses

Follow-Up Visits

One visit, up to $1,000

Three visits, up to $3,000

Emergency Paramedical Services

$500 per category of Practitioner

Visit to Bedside

Airfare $3,000 + $1,000 Expenses

Accommodations & Meals

$150/Day, Maximum $1,500

Return/Escort of Dependent Children

$3,000

Incidental Hospital Expenses (e.g. Television)

$250

Return of Baggage & Personal Effects

$500

Accidental Death & Dismemberment

Up to the plan limit chosen to a maximum of $100,000

Coverage for Side Trips

Included

Included

Deductible

$0

$0

Deductible Options

$250 (-10%)
$500 (-15%)
$1,000 (-20%)
$5,000 (-30%)
$10,000 (-45%)

$250 (-10%)
$500 (-15%)
$1,000 (-20%)
$5,000 (-30%)
$10,000 (-45%)

Waived Deductible

First $250 of deductible waived when hospitalized for 72 consecutive hours

First $1,000 of deductible waived when hospitalized for 72 consecutive hours

Family Rate

2x Eldest’s Rate

2x Eldest’s Rate

Policy Wording