RESTRICTIONS/LIMITATIONS
Destination - Some destinations may not be included in your coverage. Before
you travel, check for any travel advisories issued by either Foreign Affairs and
International Trade Canada (http://www.voyage.gc.ca/countries_pays/menu-eng.
asp) or the Public Health Agency of Canada (http://www.phac-aspc.gc.ca/tmppmv/pub-eng.php).
Maximums - Maximums can vary from a few thousand dollars to unlimited coverage
for hospital and medical expenses. Some policies cover only a certain percentage of
costs. There also may be maximums related to age.
Duration - Many policies specify a time limit for coverage (e.g., 60 days).
Suicide - Benefits for expenses incurred due to suicide or self-inflicted injuries are
routinely excluded.
Substance Abuse - Hospital and other medical expenses incurred as a result of
drug or alcohol abuse are often excluded.
FACT: Travel health insurance plans cover emergency care. Routine or elective
treatment is usually not covered.
This refers to treatment you could have received in Canada, treatment you could have
deferred until your return, and/or ongoing treatments you may need if you are out of
the country for a lengthy period of time. Check your policy.
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