Travel Insurance Seniors - Medical Emergencies
Senior Canadians Travelling outside Canada
When Seniors travel outside of Canada it is different from young and healthy individual travel , since complications with age arise and therefore does the number of medications also increase and if an uncalled , untimely medical expense need arises during the Seniors travelling abroad and outside of Canada falling ill and bad health , it could turn out to be a heavy to carry over the cost where even repatriation could be costly or almost impossible due to bad health conditions
Hospital confinement and treatment
Emergency hospital confinement (limited to semi-private accommodation) and/or emergency medical treatment by a physician 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 treatment), when the medical process in dealing with the emergency requires such follow-up visit. The follow-up visit must take place within 14 days of the initial emergency. In the case of hospital confinement, any coverage related to the hospital confinement terminates upon release from hospital, other than one follow-up visit within 14 days of the hospital discharge.
The services of a physician.
The services of a licensed ambulance and paramedics from the scene of the accident or place of onset of the sickness to the nearest hospital. If an ambulance is medically required but is unavailable, the company will reimburse you for taxi expenses, taxi receipt required.
X-ray examinations and diagnostic laboratory procedures when performed at time of initial emergency.
Medicines and/or drugs
Up to a maximum of a 30-day supply for medicines and/or drugs (excluding vitamins, minerals, dietary supplements and over the counter medicines) that require a physician’s written prescription following a consultation (original pharmacy prescription receipts are required). While you are confined to hospital, the company will reimburse the total cost of such medicines and/or drugs.
Rental of essential medical appliances
Rental of essential medical appliances including, but not limited to, wheelchairs, crutches and canes, but in no event will the rental amount payable exceed the total purchase price.
Private duty nursing
Private duty nursing services, performed by a registered nurse(R.N.) other than a family member, when ordered in writing by the attending physician expressly in lieu of hospitalization.