| 24-hour, year-round coverage |
Included |
Included |
Included |
| Accidental dental |
Unlimited for 10 years |
Unlimited for 10 years |
Unlimited for 10 years |
| Damage to eyeglasses and contact lenses |
$300 |
$300 |
$350 |
| Eyeglasses or contact lenses needed due to injury |
Full cost |
Full cost |
Full cost |
| Paramedical |
$500 |
$500 |
$800 |
| Emergency transportation |
Full cost of ambulance fees, or $350 for taxi in lieu of ambulance |
Full cost of ambulance fees, or $350 for taxi in lieu of ambulance |
Full cost of ambulance fees, or $350 for taxi in lieu of ambulance |
| Medical appliances and expenses |
$1,500 |
$1,500 |
$1,500 |
| Fracture/dislocation benefit |
Up to $750 |
Up to $750 |
Up to $1,000 |
| Hospital room expenses |
Unlimited |
Unlimited |
Unlimited |
| Hospital cash benefit |
$100/day |
$100/day |
$100/day |
| Tutoring benefit |
$6,000 |
$6,000 |
$6,000 |
| Critical illness |
$9,000 nursing expenses + $3,000 accommodations |
$9,000 nursing expenses + $3,000 accommodations |
$12,500 nursing expenses + $3,000 accommodations |
| Out-of-province/ country emergency medical |
N/A |
N/A |
$200,000 |
| Trip cancellation and emergency return flight |
N/A |
N/A |
$1,000 each |
| Total & permanent disability |
$75,000 |
$150,000 |
$350,000 |
| Loss of limb/loss of use |
$75,000 |
$150,000 |
$150,000 |
| Accidental death benefit |
$15,000 |
$20,000 |
$30,000 |
| Repatriation or burial abroad |
N/A |
N/A |
$5,500 |
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