HOSPITAL & MEDICAL EXPENSE - VISITORS TO CANADA Pays for reasonable, necessary and customary expenses, up to the Sum Insured you purchase (see rate charts), incurred while on a stay in Canada on or after the effective date and during the period of coverage. Eligible expenses are paid for acute emergency hospital, unexpected emergency medical, or other covered expenses, due to injury or sickness. During the term of your Policy, expenses incurred outside of Canada are covered provided that the majority of the time on risk is spent in Canada. Expenses incurred outside of Canada will not be paid when incurred in your country of origin. In the event that you are confined to hospital at the end of the period of coverage, covered expenses for such confinement will be paid for up to 365 days from the date of the injury or sickness but not to exceed the Sum Insured. BENEFITS Hospital Confinement - pays for customary charges made by the hospital for standard accommodation and for services and supplies reasonable and necessary for your care during confinement as a resident in-patient. Medical Services - pays for: The services of a legally licensed medical physician or surgeon, anesthetist and registered graduate nurse (other than a relative of yours by blood or marriage). The services of a legally licensed physiotherapist (other than a relative of yours by blood or marriage) when Ordered by the attending physician as treatment for an injury. Not to exceed $500 out-patient treatment. The services of a legally licensed doctor of chiropractic (other than a relative of yours by blood or marriage) when Ordered by the attending physician - not to exceed $500. When performed at the time of the initial emergency, lab tests and/or X-ray examination as ordered by legally licensed medical physician for the purpose of diagnosis. The use of a licensed local air, land, or sea ambulance (including mountain or sea evacuation), when reasonable and necessary, to the nearest hospital. Rental of crutches or hospital-type bed, but not to exceed the purchase price; and the cost of splints, trusses braces or other approved prosthetic appliances. Emergency out-patient services provided by a hospital. Drugs or medicines that require a legally licensed medic physicians written prescription but not to exceed $500 c a one-month supply unless hospitalized as an in-patient. Return of the Deceased Body - up to $5,000 reimbursement in the event of death due to a covered injury or sickness, for the expense actually incurred for homeward carriage in a standard transportation container to your permanent residence, or up to $2,000 for cremation or burial at the place death, where death is due to a covered injury or sickness. Accidental Dental - pays for emergency treatment or service to whole or sound natural teeth (capped or crowned teeth u considered whole or sound natural teeth) caused by an accidental blow to the face, for the actual expenses incurred, up to a maximum amount of $3,000 for any one accident. Dental Emergencies - pays up to $500 for the immediate relief of acute dental pain caused by other than a blow to the face. Dental conditions for which you have previously received treatment or advice are not covered.

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