Exclusions Applicable to Visitors to Canada Emergency Hospital/Medical Insurance

In addition to the General Exclusions this Insurance does not provide payment or indemnity for expenses incurred direly or indirectly as a result of:

1.      The first $100 CAD f the eligible expenses per Insured person, per covered claim unless You have paid the zero deductible surcharge at the time of Application.

2.      Loss of or damage to eyeglasses, contact lenses, prosthetic devices, hearing aids.

3.      Conditions or any related conditions for which, prior to departure, tests and investigative consultation took place, was scheduled to take place or was recommended, and for which results had not yet been received at the time of departure.

4.      Tests and investigative consultations including, but not limited to biopsies, except when performed at the time of Emergency Sickness or Injury.

5.      A medical condition which existed prior to the Effective Date of the Policy or any condition wholly or partly, directly, or indirectly, related thereto, and any loss as a result of Sickness originating or where symptoms occurred within the Waiting Period.

6.      Medical treatment and expenses incurred while outside North America and Mexico care are exclusions under this Policy.

7.      This Insurance does not cover any subsequent claim with respect to a Sickness or Injury, which occurred during the effective term of this Insurance and for which a claim has already been paid or is pending.