1.  Emergency Excess Hospital & Medical Plans


Annual Multi-Trip Plan - For persons who travel more than once within one year. a)  Worldwide Including USA covering up to a maximum of 183 days.
·          Limit $2,000,000.
·          Convenient and big savings compared to multiple purchases of coverage for several trips within one year.
·          Rates include a $250 USD deductible per claim.
·          Buy-out deductible option is available at an additional 15% surcharge (minimum $5 and maximum $125 per Insured or Family).
·          Top-Up option is available at an additional 20% surcharge if this policy is being purchased to top-up number of days covered by another insurer.
· The total premium per policy must be $15 or greater.

  FOR 59 YEARS AND UNDER

Age

7 days

14 days

28 days

65 days

95 days

125 days

155 days

183 days

Daily Extension

0 - 40	47	62	77	146	199	282	395	430	3
41 - 55	55	72	91	181	246	350	495	553	3
56 - 59	73	91	119	303	443	672	826	943	5
Family Rate (Based on age of oldest person)
0 - 40	113	133	155	344	522	N/A	N/A	N/A	7
41 - 55	124	147	170	379	574	N/A	N/A	N/A	7
56 - 59	174	195	239	715	1162	N/A	N/A	N/A	11

FOR 65 - 75 YEARS, please answer the questions below to determine your plan option.

1.      Within the 12 months prior to the date of application, have you been ordered by a Physician to take a total of 3 or more medications? (This does not include medication taken for thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines, sleeping disorders or a Minor Ailment.)

2.      Within the 12 months prior to the date of application, have you received treatment (including medication ordered by a Physician) or been diagnosed with a medical condition other than a Minor Ailment?

For Persons 60-69 years:

If you answer "yes" to question 1, you are eligible for Option A.

If you answer "no" to question 1, but "yes" to question 2, you are eligible for Option B.

If you answer "no" to both questions 1 and 2, you are eligible for Option C.

For Persons 70 - 75 years:

If you answer "yes" to question 1, you are not eligible to purchase this insurance.

If you answer "no" to question 1, but "yes" to question 2, you are eligible for Option B.

If you answer "no" to both questions 1 and 2, you are eligible for Option C.

Option A

Age

7 days

14 days

28 days

65 days

95 days

125 days

155 days

183 days

Daily Extension

60 - 64	101	130	199	440	643	1098	1329	1427	8
65 - 69	136	182	262	633	930	1645	2244	2324	14

Option B

Age

7 days

14 days

28 days

65 days

95 days

125 days

155 days

183 days

Daily Extension

60 - 64	85	108	155	352	537	928	1093	1178	7
65 - 69	120	145	199	558	820	1203	1532	1752	10
70 - 75	173	243	410	851	1511	2068	2782	2991	12.5

Option C

Age

7 days

14 days

28 days

65 days

95 days

125 days

155 days

183 days

Daily Extension

60 - 64	86	104	131	340	519	897	1018	1139	6
65 - 69	116	140	199	539	792	1163	1428	1693	9.5
70 - 75	167	217	351	822	1461	1975	2419	2864	11.75

Single Trip Plans - Coverage for one trip only for the occasional traveler of any age.

a)  Worldwide including USA covering up to a maximum of 183 days (212 days in Ontario)

·          Limit $2,000,000.
·          Rates include a $250 USD deductible per claim.
·          Buy-out deductible option is available at an additional 15% surcharge (minimum $5 and maximum $125 per Insured or Family).
·          Top-Up option is available at an additional 20% surcharge if this policy is being purchased to top-up number of days covered by another insurer.
·          The total premium per policy must be $15 or greater.

·          Persons age 70 - 89 years must answer a health question to be eligible for the plan.

FOR 70 - 89 YEARS, the following question must be answered to determine eligibility.

1.      Within the 12 months prior to the date of application, have you been ordered by a Physician to take a total of 3 or more medications? (This does not include medication taken for thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines, sleeping disorders or a Minor Ailment.)

If you answer "yes" to the above question, you are not eligible to purchase this insurance.

If you answer "no" to the above question, you are eligible to purchase this insurance.

	Trip Length-Daily Rate
Age	1 - 65	66 - 125	126 - 183*
0 - 40	1.25	1.50	1.50
41 - 55	1.50	1.50	2.00
56 - 59	1.75	2.25	3.50
60 - 64	4.00	6.50	8.00
65 - 69	5.50	9.25	12.00
70 - 75	10.50	13.50	16.00
76 - 80	17.00	24.00	25.00
81 - 89	21.00	27.00	28.00
Family Rate (Based on age of oldest person)
0 - 40	3.00	3.75	4.00
41 - 55	4.00	4.00	4.50
56 - 59	4.50	5.00	7.00
*Maximum 183 days (212 days in Ontario)

b)  Worldwide Excluding USA covering up to a maximum of 183 days (212 days in Ontario)

·          Limit $2,000,000.
·          Rates include a $250 USD deductible per claim.
·          Buy-out deductible option is available at an additional 15% surcharge (minimum $5 and maximum $125 per Insured or Family).
·          Top-Up option is available at an additional 20% surcharge if this policy is being purchased to top-up number of days covered by another insurer.
·          The total premium per policy must be $15 or greater.
·          Includes a 48-hour stop over in the USA.

·          Persons age 70 - 89 years must answer a health question to be eligible for the plan.

FOR 70 - 89 YEARS, the following questions must be answered to determine eligibility.

1.      Within the 12 months prior to the date of application, have you been ordered by a Physician to take a total of 3 or more medications? (This does not include medication taken for thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines, sleeping disorders or a Minor Ailment.)

If you answer "yes" to the above question, you are not eligible to purchase this insurance.

If you answer "no" to the above question, you are eligible to purchase this insurance.

Age	Daily Rate*
0 - 40	1.00
41 - 55	1.50
56 - 59	1.75
60 - 64	2.50
65 - 69	3.50
70 - 74	8.00
75 - 80	12.00
81 - 89	15.00
Family Rate* (Based on age of oldest person)
0 - 40	2.75
41 - 55	3.00
56 - 59	4.25
*Maximum 183 days (212 days in Ontario)

c)  Within Canada covering up to a maximum of 183 days (212 days in Ontario)

·          Limit $2,000,000.
·          Top-Up option is available at an additional 20% surcharge if this policy is being purchased to top-up number of days covered by another insurer.
·          The total premium per policy must be $15 or greater.

Age	Daily Rate*
0 - 89	0.55/per person
0 - 59	1.50/per family
30-Day Family Rate	27.00/per family
*Maximum 183 days (212 days in Ontario)