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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.

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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 semi-private accommodations incurred during such confinement and payable by the Covered Person.

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Emergency Excess Medical Insurance

If injury or sickness of an Covered Person requires

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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.

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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.

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Emergency Evacuation

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.

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Repatriation Benefit

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.

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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.

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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.

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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.

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Maximum Payment

The lifetime maximum amount payable by AIG with respect to an Covered Person is CDN $1,000,000.

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Exclusions

This insurance does not provide payment or indemnity for expenses incurred directly or indirectly as a result of:

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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.

Travel Assist
Worldwide coverage
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

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