Group Medical Services
You are not eligible to purchase this plan if any of the following apply to you:
You are eighty (80) years of age or older as of the application date;
You have reason to seek medical attention when you apply;
You are not eligible for coverage if, on your effective date; you are a visitor to Canada over the age of fifty-five (55) and in the past twelve (12) months:
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;
You have undergone the following procedures: renal dialysis, valve replacement or organ transplant;
You are awaiting further tests or treatment for heart disease;
You have both heart disease and insulin dependent diabetes and are taking prescription medication for both;
You use home oxygen for a heart and/or lung disease;
You take oral steroids for a lung condition; 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;
You have an ICD (Implantable Cardioverter Defibrillator).
This policy does not provide coverage for any expenses related directly or indirectly as a result of:
a.- Your medical condition and/or related condition and/or symptoms (whether or not the diagnosis has been determined) if at any time in the one hundred eighty (180) days preceding your effective date your medical conditions or related conditions and/or symptoms have not been stable;
b.- if at any time in the one hundred eighty (180) days prior to your effective date:
-any heart condition has not been stable;
-any lung condition has not been stable;
Expenses resulting from the regular care of a chronic condition.
If you apply for coverage prior to your arrival in Canada, there is no waiting period.
If you apply for coverage within thirty 30 days after your arrival in Canada: 48 hours waiting period
- Hospital services and supplies
- Medical Services Treatment by a physician or surgeon
- Diagnostic Services X-rays and other diagnostic tests
- Out-Patient Treatment
- Prescription Drugs- max of thirty (30) day prescription.
- Paramedical Services Charges $300 per person
- Ambulance Use
- Relief of dental pain-$250
- Accidental Dental Repair –up to $2,000
- Return of Remains –max $10,000
- Child Care -$500
- Accommodations, meals, phone calls and taxi or bus fares – $1000
When you purchase the Super Visa Insurance make sure to select the “Daily Visitor to Canada” coverage type in order to get the partial premiums refund as explained below:
A full refund is available if the entire trip is cancelled prior to the effective date of coverage.
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.
Coverage is not applicable in your country of origin. Travel to the U.S.A. or Mexico during the period of coverage is valid as long as the majority (50% or greater) of the 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.
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 70% of eligible charges to a maximum of the sum insured.
In order to make a claim completed the claim form and all documentation as requested and return package to:
Group Medical Services
150 Commerce Valley Drive W. 9th floor
Thornhill, ON, L3T 7Z3
For claim inquiries call toll free 1.800.459.6604 (within Canada & USA) or collect to: 306.352.7638
This summary is meant to be a “help guide” and does not exonerate you from the responsibility of reading the detailed terms, conditions, definitions and exclusions of the policy wording. In all instances, the official policy wording will prevail.
To view GMS Group Medical Services policy wording click the PDF button
Visitors To Canada
Ideal if you are:
- Temporary resident of Canada
- Returning Canadian resident
- Work permit holder