A.T. Financial

What is covered?
Emergency Hospital and Medical Benefits (applicable to all Annual and Single Trip Plans)

Covered risks include Injury or Sickness requiring Emergency Hospital confinement or Emergency Medical Treatment while traveling outside Your province of residence, up to a maximum liability of $2 million per Insured Person per Period of Coverage.

Eligible Medical Expenses include:

· Emergency Hospital confinement and/or Emergency Medical Treatment by a legally qualified medical Physician or surgeon or a legally qualified anesthetist for the actual, usual and customary charges for reasonable and necessary Hospital and medical expenses. This expense includes one Follow-up visit (not including ongoing treatments, and it must take place within 14 days of the initial Emergency. In the case of Hospital confinement any coverage related to the Hospital confinement any coverage related to the Hospital confinement terminated upon release from the Hospital.

· Services of a licensed physiotherapist, chiropractor, chiropodist, osteopath and podiatrist for the relief of acute Emergency pain caused by an Accidental Injury, up to a maximum limit of $500 per practitioner. Chiropractic benefits are limited o the initial office visit and treatment.

· The employment of a registered graduate nurse, including private duty nursing, when such service has been recommended by a legally qualified medical Physician or surgeon and is expressly in lieu of hospitalization.

· Rental of crutches, splints, trusses, appliances, or a Hospital-type bed, but in no event will the rental amount payable exceed the total purchase price.

Benefits	Limits	What is Covered
1. Ambulance Services		The services of a licensed ambulance, including mountain and sea rescue.
2. Dental Services	Up to $4,000 per covered trip	Covers expenses for an accidental blow to the face requiring the repair or replacement of whole or sound natural teeth. Also covers up to $500 for emergency treatment of pain relief, other than a blow to the face.
3. Medicines and/or Drugs	Up to 30 days supply	Covers drugs or medicines that are prescribed and deemed essential by the attending medical Physician following a consultation (oral contraceptives and patent medicines excluded), the Company will reimburse the Insured for the actual expense incurred, during the period in which Insurance is in force hereunder for such drugs or medicines, to a limit for 30 days supply, unless confined to Hospital.
4. Homeward Carriage for Burial	Up to $10,000	Covers expenses of preparing the deceased for burial and homeward carriage of the body in the event of the death of an Insured.
5. Cremation Expense	Up to $4,000	Covers expenses for cremation or burial of the Insured at the place of death.
6. Emergency Air Transportation	Up to $3,000 for a one-way economy fare	Covers medical transport (by the most appropriate means, stretcher accommodation or Emergency air ambulance service), to transport the Insured to the nearest medical facility equipped to provide the required treatment or for return to Canada, including any necessary accompaniment. Also includes the costs to return the Insrured’s traveling companion aboard the medical transport or when spaced does not permit aboard the medical transport.
7. Return of Vehicle or Watercraft	Up to $4,000	Reimburses the actual reasonable and necessary charges for a commercial agency to return a Vehicle that You own or rent to either Your home or the nearest appropriate vehicle rental agency, if You or Your traveling companion, are incapable of continuing Your trip by means of the Vehicle.
8. Return of Insured to U.S.A.	A one-way economy airfare	If by virtue of emergency air evacuation, which was arranged and coordinated by World Wide Mediclaim Services Ltd., in order to obtain medical care in Canada, the Insured wishes to return to his destination in the U.S.A., the Company will pay the costs of one-way economy airfare to the city from where the air evacuation commenced. This benefit is in lieu of the Return of Vehicle benefit as above and only available to those persons who have been air evacuated under the terms and conditions of this Policy and can only be offered once during the same covered trip, and cannot exceed Your original expected return date. The air evacuation occasioning this benefit cannot originate within Canada.
9. Airfare to Return Home	Up to $4,000 for a one-way economy airfare	If, in the event of a medical Emergency, the Insured elects to return to Canada for treatment saving the Insurer the costs of Medical Treatment in the U.S.A., the Company will reimburse the costs of a one-way economy airfare home, by the most direct route, for the Insured and one traveling companion to a maximum of $4,000. Documentation is required to validate claim. This benefit is in lieu of the Return of Vehicle benefit and Return of Insured to U.S.A. benefit as above.
10. Family Transportation	Up to $100/day	Covers one economy return airfare or other transportation costs by the most direct route in the event Sickness or Injury confines the Insured to Hospital as an in-patient and the attending Physician advises the necessary attendance of a family member, and up to a maximum of $100 per day for meals and accommodation. This benefit is payable only if the expense has been coordinated, arranged and approved by World Wide Mediclaim Services Ltd.
11. Out of Pocket Expenses (receipts required)	$400/day to a maximum of $4,000 per covered trip	In the event an Insured or travelling companion is confined to Hospital on the date on which he or she is scheduled to return to Canada, reimburses reasonable and necessary accommodation for meals, telephone calls, taxi or bus fare and child care costs (excluding child care provided by a parent or legal guardian) for dependents up to the age of 18 years.
12. Escort of Insured Children (up to age 18)		In the event an Insured Person has been air evacuated to Canada for medical reasons, the Company will pay the economy class airfare to return an accompanying Insured child/children (up to the age of 18 years to the original point of departure. The Company will also pay for escort to accompany the children when necessary. This benefit is payable only when approved and arranged by World Wide Mediclaim Services Ltd.
13. Hospital Allowance	Covers $50/day to a maximum of $500	Covers incidental hospital charges, which are billed by the Hospital, such as T.V. rental, telephone charges.
14. Return of Accompanying Dog or Cat	Up to $300	The costs of returning your accompanying dog or cat in Canada, in the event You are medically air evacuated back to Canada.

Special Notes: Please check the Travel Underwriters Insurance Agreement for complete details of policy and conditions.