Excess Hospital & Medical Plans
for traveling Canadians including Snow Birds
If you are a Canadian resident planning a trip outside your province or Country, you will want to consider a travel plan option that best suits your needs. Whether for Business trips, a short family getaway or Snow birding to a warmer climate for the winter, emergency’s away from home can be devastating both financially and emotionally. By adding a small travel insurance plan to your trip itinerary you can have the peace of mind and protection necessary in today’s unpredictable word. Stirling Benefit Plans deals with multiple Insurers to find the best policy for your unique situation. In most cases even pre-existing conditions can be covered.
Some of the many benefits available can include:
Hospital Confinement
Medical Services
Additional and reasonable living expenses, child care costs (up to a maximum age of 18), essential telephone calls and taxi fares incurred by the Insured or other insured persons remaining with the Insured while an Insured is hospitalized as an in-patient during the Period of Coverage.
Family Transportation Expense
Return of Family Member
Return of Deceased Body
Accidental Dental
Air Ambulance
“The above is a description of some of the benefits available, should not be considered to form part of the policy and may change based on the actual policy purchased and or Insurer, some benefits are subject to limits and maximums and actual policy wordings provided should be reviewed before purchase.”
Hospital & Medical Plans for Expatriate Canadians
If you are a Canadian planning an extended trip outside your province or Country for over six months you may no longer eligible for Provincial health benefits (some exceptions apply), you will be considered an Expatriate and have to find a more extensive plan to cover both the major unplanned events that may occur, as well as the day to day ongoing expenses we sometimes take for granted in our Canadian health system. In today's global market, a variety of needs exist for international medical insurance. Whether you are moving abroad, traveling frequently between countries, maintaining multiple countries of residence, or seeking private health care alternatives, Stirling Benefit Plans will consult and review with you the many available programs that will ensure the wellness of you and your family while away for moths or even years at a time.
Return trips to Canada or your original country of residence are also covered, provided you are not eligible for government health insurance coverage. Pre-existing condition coverage is available for Expatriates who want a written guarantee of coverage for pre-existing conditions and emergency coverage for any new sickness or injury.
Who Qualifies? You are eligible for coverage if you are not insured or eligible for benefits under any government health insurance plan and you are : i) a Canadian Expatriate residing outside of Canada; ii)a returning Canadian who is awaiting government health insurance coverage; ii)a Foreign Expatriate residing in Canada; or iv) a Foreign Expatriate residing outside your original country of residence, while employed by a Canadian Company. Important To qualify for coverage, you must be age 79 or under, complete a medical questionnaire and receive written approval.
Some of the many benefits available can include:
Hospital Semi-private hospital room accommodation and other hospital services and supplies required for necessary care. Physicians and Medical Necessary medical, surgical and anaesthetic services provided by a licensed physician or anaesthetist. Extended Health Care Private duty nursing, prescription drugs, X-rays, laboratory services, local ambulance, necessary medical appliances, and the services of a chiropractor, chiropodist, podiatrist or physiotherapist, Maternity Benefit When the expected delivery date is more than 10months after the effective date, up to 80% of eligible expenses are payable as a result of childbirth, pregnancy, miscarriage or complications related thereto, Newborns can be covered after 15 days. In order for newborns to be covered after 15 days, a medical questionnaire must be completed. Emergency Air Ambulance/Return Home or the nearest appropriate medical facility, Repatriation to return you to Canada or your original country of residence in the event of your death, or burial or cremation at place of death. The cost of a coffin or urn is excluded. Dental Accident Expense Treatment, replacement or X-ray of your sound, natural teeth which are damaged as the result of a direct accidental blow to the mouth. Transportation of a Relative to bring an immediate family member to your bedside, and commercial accommodation and meals, if the attending physician certifies you have been hospitalized for a critical injury or sickness, or in the event of your death, to identify your remains. Accidental Death & Dismemberment Up to certain limits for loss of life, limb or sight within 100 days o fan accidental injury. Vaccinations, routine annual examination by a physician or optometrist after the policy has been in effect for six months. And much ,much more.
“The above is a description of some of the benefits available, should not be considered to form part of the policy and may change based on the actual policy purchased and or Insurer, some benefits are subject to limits and maximums and actual policy wordings provided should be reviewed before purchase.”
Hospital & Medical Plans for Visitors to Canada
Each year, Canada receives foreign visitors and students from all over the world. While the Canadian healthcare system is recognized as one of the best in the world, many visitors are concerned about the potential out-of-pocket expenses that could result from an injury or sickness during their visit to Canada. Healthcare costs are different in Canada than any other country around the world. That is why a foreign national visiting the Canada require medical insurance to protect them and their family. We can even cover the visitor if they travel from Canada to another country for short visits during their stay in our country.
For students and longer stay visitors we have attractive programs that will help with rates to suit most any budget.
Some of the many benefits available can include:
Hospital Confinement
Medical Services
Additional and reasonable living expenses, child care costs (up to a maximum age of 18), essential telephone calls and taxi fares incurred by the Insured or other insured persons remaining with the Insured while an Insured is hospitalized as an in-patient during the Period of Coverage.
Family Transportation Expense
Return of Family Member
Return of Deceased Body
Accidental Dental
Air Ambulance
“The above is a description of some of the benefits available, should not be considered to form part of the policy and may change based on the actual policy purchased and or Insurer, some benefits are subject to limits and maximums and actual policy wordings provided should be reviewed before purchase.”
