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EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:
ELIGIBILITY:
1. You are eligible to purchase this insurance if you are an immigrant or visitor to Canada who is not covered under a provincial or territorial government plan.
2. You are not eligible to purchase this plan if:
   a) You are age 80 years of age or older as of the date of application.
   b) You have had a medical consultation with a physician since you arrived in Canada.
   c) You have been in Canada for more than thirty (30) days at the time of application;
   d) You have reason to seek medical attention when you apply;
   e) You are not eligible for coverage if, on your effective date; you are a visitor to Canada over the age of 55  or are an immigrant of any age and in the past twelve (12) months:
        i) You have suffered from, been diagnosed with, received new treatment for, or had a recurrence of, or complications relating to any of the following: stroke/TIA, blood clots, congestive heart failure, atrial/ventricular fibrillation, AIDS, any terminal illness, renal failure, gastrointestinal bleeding;
       ii) You have undergone the following procedures: renal dialysis, valve replacement or organ transplant;
       iii) You are awaiting further tests or treatment for heart disease;
       iv) You have both heart disease AND insulin dependent diabetes and are taking prescription medication for both;
       v) You use home oxygen for a heart and/or lung disease;
       vi) You take oral steroids for a lung condition;
       vii) Any of the following apply to you; under active treatment for cancer, have an aortic aneurysm that remains surgically untreated, have experienced undiagnosed episodes of syncope/fainting or falling;
       viii) You have and ICD (Implantable Cardioverter Defibrillator).
3. If you apply for coverage prior to your arrival in Canada, there is no waiting period to obtain emergency medical treatment.
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You or someone on your behalf must contact GMS prior to treatment whenever possible. Failure to contact GMS within twenty-four (24) hours of receiving medical treatment or admission to hospital will limit benefits, otherwise payable to you, to 70% of eligible expenses to maximum of the sum insured amount purchased. Emergency phone numbers: Toll free within Canada and the USA: 1-800-459-6604 and Collect call from all other locations: 905-726-5196.

Claims Instructions:
   1. Complete a claim form and attach all original itemized medical bills and prescription receipts.
   2. Sign and date completed form and return package to:
                          Group Medical Services
             150 Commerce Valley Drive W. 9th floor
                          Thornhill, ON, L3T 7Z3
For claims inquiries, please contact:
Toll Free 1-800-459-6604(within Canada and the USA) or
Collect (905) 726-5196 (from all other locations)

Please keep a copy of all the submitted correspondence for your records.

EXTENSIONS:
Automatic Extensions: if coverage expires while hospitalized due to an emergency, coverage will continue to you, your spouse and any dependants for whom coverage is purchased and listed on the application, up until seventy-two (72) hours after discharge from hospital.
Extensions may be approved if GMS is notified forty-eight (48) hours prior to the expiry date of the existing coverage and you have not required medical services in excess of $500 during your period of coverage.

SIDE TRIPS: This insurance plan provides coverage for travel to the U.S.A. or Mexico (excluding your country of origin), as long as your trip originates and terminates in Canada and 50% of your period of coverage is spent in Canada. Travel to the U.S.A. or Mexico does not apply to residents of the U.S.A. returning to the U.S.A. or to Mexican residents returning to Mexico.

REFUNDS:

Daily Immigrants & Visitors Option
1.  A full refund is available if the entire trip is cancelled prior to the effective date of coverage.
2.  A partial refund is available if:
    a.  you return to your country of origin and a minimum of thirty (30) days remains unused on the policy;
    b.  you become eligible and covered under a provincial or territorial Government plan during the period of coverage; or
    c. you have a minimum of thirty (30) days unused on the policy as a result of your death.
3.  No refunds are available if claims have been incurred under this insurance plan.
4.  No refunds will be issued for amounts under $5.00.

Annual Immigrants & Visitors Option
1.  A full refund is available if the entire trip is cancelled prior to the effective date of coverage.
2. A partial refund is available if:
    a.  you have a minimum of thirty (30) days unused on the policy as a result of your death; or
    b.  you become eligible and covered under a provincial or territorial Government plan during the period of coverage.
3.  Supporting documentation may be requested when applying for a refund.
4.  No refunds are available if claims have been incurred under this insurance plan.
5.  No refunds will be issued for amounts under $5.00.

About GMS
Group Medical Services (GMS) has been providing health and travel insurance coverage since 1949. GMS is expert in emergency medical coverage and offer a wide range of flexible plans at competitive rates. GMS is a non-profit corporation based in Regina, Saskatchewan.

Exclusions only Applicable to the Emergency Medical section of this Policy:

There is no coverage and no benefits will be payable for claims presented under this section resulting from:

1. Pre-Existing Conditions or related Medical Conditions as follows:

a. For the Premier Plan:
i) For ages 69 and under on the Start Date, any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 180 day period immediately prior to Your Start Date.

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Travel Claims Department
P.O. Box 557, Hamilton, Ontario L8N 3K9
Toll Free Fax: 1-866-551-1704
Toll Free Telephone Canada & USA: 1-888-526-0111
Direct Dial Telephone 905-667-3391
If You experience an emergency or require medical assistance while You are travelling at any time call:
USA & Canada 1-800-334-7787
Elsewhere Operator Assisted Collect 905-667-0587
Direct Dial 1-905-667-0587
Email: assistance@oldrepublicgroup.com
How To Submit A Claim
You can download a claim form directly from Our website:

WHAT IS NOT COVERED UNDER EMERGENCY MEDICAL INSURANCE?
We will not pay any expenses or benefits relating to:
1. Any illness, sickness, or disease suffered during the waiting period.
2. For Plan A –
a) any medical condition, diagnosed or undiagnosed, which existed or for which you sought or received medical advice, consultation, investigation, or for which treatment was required or recommended by a physician, within the 180 days prior to the effective date.

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To make a claim due to illness or in jury during your trip,
please call the Assistance Centre at:
1 877 878-0142
Toll free from the USA and Canada.
1 519 251-5166
Collect to Canada from anywhere else in the world.
Immediate access to the Assistance Centre is also available through its TravelAid mobile app. To download the app, visit: http://Active-Care.ca/TravelAid.
Call within 24 hours of hospitalization.
If you do not contact the Assistance Centre before receiving medical treatment, you will have to pay 20% of the medical expenses we would normally pay under this insurance. If it is medically impossible for you to call when the emergency happens, the 20% co-insurance will not apply. In this case, we ask that you call as soon as you can or that someone call on your behalf..

VTC1 Pre-existing Conditions Exclusion
a) If you are 59 years of age or under on the effective date:
Benefits are not payable for costs incurred due to or resulting from your medical condition or related condition that was not stable at any time during the 90 days immediately before the effective date.
b)If you are 60 to 79 years of age on the effective date:
i. Benefits are not payable for costs incurred due to or resulting from any of the following pre-existing conditions, unless you have completed a Medical Questionnaire, have been approved in writing by AGA and have paid the required premium:

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Claims forms are available by calling AGA’s Claims Department.
SEND YOUR CLAIMS TO:
Allianz Global Assistance Claims Department
250 Yonge Street, Suite 2100
Toronto, Ontario M5B 2L7
Canada
Collect worldwide: 416-340-8809
Toll-free Canada/USA: 1-800-869-6747
Call within 24 hours of hospitalization.
If you do not contact the Assistance Centre before receiving medical treatment, you will have to pay 20% of the medical expenses we would normally pay under this insurance. If it is medically impossible for you to call when the emergency happens, the 20% co-insurance will not apply. In this case, we ask that you call as soon as you can or that someone call on your behalf..