INSURING AGREEMENT
If an Eligible Insured suffers an Emergency Injury or Sickness during the Coverage Period,
We will pay the benets stated in this Policy, subject to all of its terms, conditions, limitations,
exclusions and other provisions, for Reasonable and Customary Expenses that are incurred,
to the lesser of the Benet Maximum for that particular benet, or to the Policy maximum of
$2,000,000 All Benet Maximums contained in this Policy are per Insured for the duration of
the Coverage Period unless otherwise specied and are stated in Canadian Dollar currency.
It is a condition precedent to coverage under this Policy that at the Effective Date the Insured
is not aware of any existing medical condition which might require the Insured to incur any
medically related expenses during the Coverage Period.
BENEFITS
The benefits in this Policy are not subject to any deductible. Benefits are paid based on
Reasonable and Customary charges for services provided during the Coverage Period
up to the Benefit Maximum unless otherwise specified. Your insurance covers up to
$2,000,000 in total benefits for the following Medically Necessary services required to
treat an eligible, new emergent medical condition that first begins after the Effective
Date of Coverage. These Medically Necessary services include reasonable follow-up
visits, tests and surgeries until the initial emergency is resolved, and the condition is
stabilized.
Hospital Services • Charges made by a Hospital for semi-private room and board and other
necessary services and supplies, including drugs administered, while conned to a Hospital
for medical reasons; no limitation on number of days; private room where medically required
as determined and approved by the Claim Administrator. For Exceptional Hospitalization
Benefit, see below; Charges for Medical Treatment provided on an Emergency in patient
or out-patient basis; Charges for anaesthesia or blood products and the administration of
such products. Any surgical procedure requires prior written approval from the Claim
Administrator, unless a delay will be life threatening.
Physician’s Fees • All charges made by a Physician for professional services or Medical
Treatment;
Psychiatric Fees • When provided on an in-patient basis following an Emergency, fees
billed separately for the services of a Psychiatrist will be paid to a lifetime maximum of
$10,000. For Outpatient Psychiatric care, see Psychotherapy below.
Exceptional Hospitalization Benefit • If you are admitted to Hospital for suicide,
attempted suicide, self-inflicted injuries, mental or emotional disorders (including but
not limited to stress, anxiety, panic attacks, depression, eating disorders/weight problems),
or psychiatric treatment, we will pay up to a lifetime aggregate limit of $50,000 for medical
and/or psychiatric treatment received while you are in Hospital resulting from one or more
of these causes.
Psychotherapy • Up to $1,000 Benet Maximum for charges for out-patient care, including
psychiatric and psychological counselling.
X-rays, Laboratory and Diagnostic Tests • Charges for technical and interpretative
services. Prior written approval is required from the Claim Administrator for all major
diagnostic testing, including but not limited to magnetic resonance imaging (MRI) and
computer axial tomography (CAT) scans.
Prescription Medication • Limited to a 30-day supply of any one type unless prescribed
while a Hospital in-patient.
Private Duty Nursing Care • Up to $15,000 Benefit Maximum for the services of a
Registered Nurse, Registered Nurse Assistant or Home Care Worker, but does not include
the Insured, a relative of the Insured, or someone who normally resides with the Insured,
when ordered by the attending Physician.
Physiotherapy and Speech Therapy • Up to $1,000 Benet Maximum for charges made
by a physiotherapist or a speech therapist unless provided while a Hospital in-patient.
Medical Equipment and Supplies • Payable only if required as the result of a covered
Sickness or Injury. Purchase of medical supplies, including dressings and prosthetic
appliances; Rental charges for wheelchairs, crutches, Hospital-type bed or other appliances,
not to exceed purchase price. Up to $200 Benet Maximum for prescription glasses or contact
lenses, or up to $300 Benet Maximum for hearing aids. Up to $300 Benet Maximum for
custom orthotics, or up to $800 Benet Maximum for custom knee braces.
Emergency Transport • The full cost of licensed ambulance service to the nearest Hospital
when Medically Necessary; Emergency transfers between Hospitals when ordered by the
attending Physician, including user fee; OR, taxi fare to or from a Hospital or medical clinic
for eligible medical care to a maximum $100.
Paramedical Services • Up to $500 Benefit Maximum per Paramedical Provider
(chiropractor, osteopath, naturopath, acupuncturist, chiropodist, or podiatrist) for all services,
including x-rays.
Accidental Dental Care • Up to $4,000 Benet Maximum for Emergency dental treatment
to repair or replace natural or permanently attached articial teeth as the result of an Injury
caused by an Accidental blow to the mouth. Up to $500 Benet Maximum for emergency
repairs to articial teeth including bridges and denture plates. Treatment must take place
within 90 days of the Accident. Expenses incurred as a result of chewing Accidents or Injury
due to placing an object to or in the mouth are not payable.
Emergency Dental Care • (a) Up to $100 Benet Maximum per tooth to extract impacted
wisdom teeth or, (b) when a minimum of 6 months consecutive coverage has been
purchased, up to $600 Benet Maximum for Emergency dental treatment for the immediate
relief of pain and suffering, including root canals and wisdom teeth.
Wart Treatment • Charges for treatment of any type of warts up to $500 Benet Maximum.
Pregnancy Coverage • Where pregnancy commences after the Effective Date of this
Policy, serious complications due to pregnancy are covered up to a maximum $25,000.
Serious complications do not include normal conditions of pregnancy including but not
limited to morning sickness, spotting, ultrasounds, blood and urine testing, including testing
for gestational diabetes.
Annual Physician Visit • When a minimum of 6 months consecutive coverage has been
purchased, We will pay up to a total of $150 Benet Maximum for one visit to a Physician in
Canada for a non-emergency exam and associated tests, and for one consultation session
and prescription of the ‘morning-after-pill’.
Eye Exams • When a minimum of 6 months consecutive coverage has been purchased,
Up to $100 Benet Maximum for one non-emergency eye exam performed in Canada by a
licenced Optometrist. Note: the cost of glasses or contact lenses is NOT covered.
Excursion • Travel outside Canada (other than to Your Home Country) is covered subject
to the following conditions (a) more than 50% of the total Coverage Period must be spent in
Canada and (b) travel to the United States is limited to 30 days per trip. Expenses will not be
paid when incurred in Your Home Country “except where the trip to Your Home Country is
expressly taken in order to participate in a school-organized sporting or extra-curricular event,
or when claimed under the Coverage in Home Country – Canadians” benefit (see below).
Coverage in Home Country - Canadians • For Canadians returning to Canada, coverage
for a maximum 90 days is available during the Coverage Period until provincial healthcare
becomes available.
AccessAbility - Corrective Device Defect, Malfunction and Theft Protection • If, while
this policy is in effect, a Corrective Device required by You is stolen and not recovered, or
suffers a malfunction or defect which becomes apparent while You are covered under this
Policy and which renders Your required Corrective Device unusable, we will pay up to $1,000
Benet Maximum to replace or repair Your Corrective Device. We do not pay for defects or
malfunctions which are covered by the manufacturer’s warranty.
Trauma Counselling • If an Insured suffers a covered loss listed in the Schedule of Losses,
(other than loss of life – see below) within 90 days from the date of an Accident which
occurred during the Coverage Period, We will pay up to 6 sessions of trauma counselling.
Accidental Death and Dismemberment • If an Insured dies or suffers a permanent disability
as a result of a covered Accident, Injury, Sickness or event, within 90 days from the date of an
Accident which occurred during the Coverage Period, We will pay according to the following
Schedule of Losses up to $50,000 Benet Maximum. If the total claims against Us for the
same Accident exceed $1,250,000, Our liability for that Accident will be limited to $1,250,000
which will be shared proportionately among all claimants who are persons insured under
guard.me. Benets are payable to the Insured. In the event of the Insured’s death, benets
are payable to the beneficiary noted by the Insured. If a beneficiary is not otherwise
designated by the Insured, benefits will be paid to the first of the following surviving
preference beneciaries:
1. the Insured’s spouse;
2. the Insured’s child or children jointly;
3. the Insured’s parents jointly if both are living, or the surviving parent if only one survives;
4. the Insured’s brothers and sisters jointly; or
5. the Insured’s estate.
Schedule of Losses
Loss of Life....................................................... $50,000
Loss of Two or more Members......................... $50,000
Loss of Sight of both Eyes............................... $50,000
Loss of One Member and Sight of one Eye......$50,000
Loss of One Member.........................................$25,000
Loss of Sight of one Eye...................................$25,000
“Loss of Member” means severance of hand or foot at or above the wrist or ankle joint
respectively or complete irreversible paralysis.
“Loss of Sight” must be complete and irrecoverable.
DISAPPEARANCE -If an Insured disappears and after a suitable period of time it is
reasonable to believe that such Insured has died as a result of Bodily Injury, the Death Benet
shall become payable subject to a signed undertaking that if the belief is subsequently found
to be wrong such Death Benet shall be refunded to Us.
EXPOSURE - Injury of an Insured as a direct result of unavoidable exposure to the elements
shall be deemed to have been caused by Bodily Injury, and benets will be paid as per the
Schedule of Losses, above.
COMMON CARRIER – In the event of the Insured’s death as a result of an Injury caused
while riding as a fare-paying passenger on (a) any form of public transportation or (b) on a
scheduled ight on an airplane or helicopter, the benet increases to $100,000.
The following benefits are covered with the prior approval from the
Claim Administrator. The maximum amount payable for the following transportation
benefits cannot exceed $300,000 in total per Coverage Period.
Air Evacuation • The cost of transporting You to the nearest Hospital or to a Hospital in
Your Home Country, if Medically Necessary, either:
a) as a stretcher fare on a regular scheduled ight, including economy return fares for
qualied medical attendants (not a relative) and their associated fees and expenses; or
b) by appropriately equipped air ambulance, including associated fees and expenses for
a qualied crew.
Land ambulance costs at each end of the flight or connecting flights are included. The
attending Physician must certify that the Insured is medically fit for the type of transfer
selected.
Family Transportation and Subsistence Allowance • If You have no family members within
500 kilometres of Your location while You are outside Your Home Country and You are
Hospitalized and Your Hospitalization is expected to last a minimum of 7 days, or in the event
of the death of the Insured, We will pay up to $5,000 towards the cost of round-trip
transportation based on the lowest available fare for the most direct route for two persons
nominated by You to travel to Your bedside. We will also pay up to $1,500 for commercial
accommodation and meals for a maximum period of 10 days for these two persons.