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Emergency Out of Province/Country Medical Insurance and Assistance
Unfortunately, things can happen when you’re travelling and unable to access regular medical resources. That’s why the Emergency Out of Province Medical Insurance Plan covers Plan members for up to 45 consecutive days on any one trip. The Plan ensures that covered students can visit a doctor or stay in hospital and receive necessary care.
Travel Assistance Program - Travel Assist
Emergency Out of Province Medical Care also offers AIG Travel Assist – a toll-free number that Plan members can call from wherever they are traveling, 24 hours a day. AIG Travel Assist operators can direct Plan members to the closest medical facility in the area and tell them what medical treatment is covered by the Plan. The service ensures that members get help as soon as possible and do not have unexpected costs when they return home.
AIG hereby agrees to insure all international students of the Policyholder under age 65 for whom required premium has been paid (herein individually called the Covered Person), for injury sustained or sickness contracted by the Covered Person during the course of any trip outside his/her province of residence made by the Covered Person while this policy is in force for a maximum of 45 consecutive days any one trip.
Excess Hospital Insurance
If injury or sickness of an Covered Person results in confinement during the period this insurance is in force in a hospital as an in-patient, AIG will reimburse the Covered Person for the actual, reasonable and necessary emergency hospital expenses up to and including standard
Emergency Excess Medical Insurance
If injury or sickness of an Covered Person requires
- out-patient emergency room charges,
- emergency treatment by a legally qualified physician or surgeon,
- the service of a licensed ground ambulance from the scene of the accident or place of onset of the sickness to the nearest hospital, subject to a maximum of $500; the maximum benefit for air ambulance is $5,000 per occurrence,
- employment of a registered nurse when recommended by the attending physician,
- rental of crutches and appliances or a hospital-type bed,
- cost of splints, trusses, braces,
- x-rays and laboratory examinations which are required for diagnostic purposes; or treatment by a physiotherapist while hospitalized or up to a maximum of 3 treatments for the duration of any one trip only when recommended in writing by the attending physician, AIG will reimburse the Covered Person for the actual expenses incurred during the period this insurance is in force for such treatment or services.
Emergency Dental Accident Expense Reimbursement
If an Covered Person suffers injury to whole or sound teeth, AIG will reimburse the Covered Person for the expense of necessary emergency treatment received while outside his/her province of residence, up to a maximum of $2,000 per accident.
Emergency Prescription Drug Reimbursement
If injury or sickness of an Covered Person requires drugs or medicines on an emergency basis and such drugs or medicines are prescribed by the attending physician, AIG will reimburse the Covered Person for the actual expenses incurred for such drugs or medicines.
AIG will pay all expenses up to a maximum of $100,000 for transportation, medical services and supplies necessarily incurred in connection with the emergency evacuation of the Covered Person due to injury or sickness commencing during the course of the scheduled trip. Such evacuation must be ordered by a legally licensed physician who certifies that the severity of the Covered Person’s injury or sickness warrants the emergency evacuation of the Covered Person.
In the event of the death of an Covered Person due to injury or sickness, AIG will pay the expense of preparing the body of the deceased for burial and homeward carriage of the body of the deceased to his province of residence, subject to a maximum of $15,000.
Emergency Special Transportation
In the event of injury or sickness of an Covered Person, stretcher accommodation on scheduled airline is required by an Covered Person for return to his province of residence, AIG will pay expenses incurred, subject to a maximum of $5,000.
Attendant Transportation Benefit
In the event of the injury or sickness of an Covered Person, AIG will pay the necessary travel expenses incurred, including the economy return airfare for a medical attendant certified as medically necessary, subject to a maximum of $5,000.
Board, Lodging And Travel Expenses
In the event that an Covered Person is confined to hospital due to injury or sickness for a period of at least five consecutive days, AIG will pay the reasonable board, lodging and extra travel expenses incurred by other Covered Persons who remain with the hospitalized Covered Person during the term of said hospitalization.
In the event of the injury, sickness or death of an Covered Person, AIG will reimburse the expense incurred by an immediate family member limited to the return economy airfare to a maximum of $3,000 and $100 per day for commercial accommodation, to a maximum of 20 consecutive days.
The lifetime maximum amount payable by AIG with respect to an Covered Person is CDN $1,000,000.
This insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of:
- pregnancy or complications thereof within two months of the expected termination date of pregnancy,
- declared or undeclared war or any act thereof, or
- suicide or any attempt thereat while sane or insane; or intentionally
- any ailment or condition for which an Covered Person undertakes a journey for the purpose of securing or with the intent of receiving medical attention, prescription drugs or medicine, or hospital services,
- hospitalization expenses incurred after the first 48 hours of hospitalization without prior approval from AIG,
- any elective (non-emergency) treatment or surgery;
- not required for the immediate relief of acute pain and suffering;
- which medically could be delayed until the Covered Person has returned to his/her province of residence;
- which the Covered Person elects to have rendered or performed outside his/her province of residence following emergency treatment for, or diagnosis of, a medical condition which on medical evidence would not prevent the Covered Person from returning to his/her province of residence prior to such treatment or surgery.
What To Do In The Event Of An Emergency?
If possible, before obtaining any medical services or advice, please call Travel Assist.
The operator will direct you to a facility in your area of travel and ensure that the medical attention you receive is covered. If you do not contact Travel Assist you may receive inappropriate or unnecessary medical treatment which may not be included in this coverage.
- Please make sure that, if you pay expenses yourself, you obtain original receipts and forward them to AIG Insurance Company of Canada along with the completed claim form. Claim forms are available from AIG Insurance Company of Canada or Travel Assist.
- If you contact Travel Assist at the time of your emergency, they will ensure that your covered expenses are paid directly to the hospital or medical facility, and will send you a claim form to be completed.
- AIG Insurance Company of Canada will co- ordinate the submission of your claims with your provincial medical plan and your extended health care insurance plan (if any), on your behalf.
Telephone: U.S. & Canada 1-877-204-2017
Outside Canada: 0-715-295-9967 collect
AIG Insurance Company of Canada
145 Wellington St. W., Toronto, ON M5J 1H8 (416) 596-3000