Special Risks MRM
Summary of Benefits:
|Coverage Amount||$100,000 / $200,000|
|Hospitalization||Up to sum insured|
|Emergency Medical Treatment||Up to sum insured|
|Prescription Medication||Up to $5,000 / 30-day supply|
|Laboratory Diagnostics / X-Ray||Up to $10,000|
|Local Ambulance Services||Up to $5,000|
|Private Duty Nurse / Medical Attendant||Up to $5,000|
|Medical Appliances Rental||Up to $5,000|
|Dental Pain Relief||$1,000|
|Emergency Home Return||Up to $5,000|
|Air Ambulance||Up to $100,000|
|Return of Remains||Up to $5,000|
|Cremation / Burial||Up to $5,000|
|Transportation of a Relative||$2,000|
|Accommodation for a Relative||$100|
|Return of Travelling Companion / Dependent Children||$2,000 / $1,000 for Insured Children Escort|
|Meals and Accommodation||Up to $1,500 / $200 per day|
|Return of a Vehicle||$1,000|
|24-hour Emergency Assistance Center|
|Side Trips Benefits|
Please note that SRMRM has per policy deductible, meaning that you pay only for the first claim you make, unless you have $0 deductible.
SRMRM will cover costs for medical treatment, which has resulted from an emergency anywhere outside Canada with an exception of you home country or any other state, where you are eligible for a government health care. In order to qualify for Side-Trips coverage, you MUST physically remain in Canada for more than 75% of the policy coverage period.
Policy Wording is an official document issued by SRMRM, which provides you with a detailed summary of coverage benefits, its limitations and exclusions as well as claim and refund instructions. Please examine this document very carefully before making a purchase.
Click to download – SRMRM | Policy Wording
You are eligible for coverage under SRMRM: Visitors to Canada policy, if:
• You are not eligible and/or covered by the Provincial Medical Care Plan.
• You are not residing in a nursing home or rehabilitation center.
• You are in good health and you have no reason to seek medical attention.
No waiting period applies to any SRMRM policies that were bought BEFORE your arrival in Canada.
A 48-hour Waiting Period will only apply if:
• You purchase SRMRM medical coverage AFTER you arrive in Canada.
For a full list of Eligibility Requirements and Waiting Period, please refer to the following document:
Click to view – SRMRM | Policy Wording
Making a Claim with SRMRM:
If there is a medical emergency, you or someone on your behalf has to notify Emergency Assistance Provider prior to making a claim, if it is possible.
If you do not contact Claims Assistant Centre within the first 24 hours of hospitalization will result in limitation of the benefits under this policy to 70% of eligible expenses to a maximum of $25,000.
Emergency Assistance Provider is available 24-hours a day, 7 days a week.
• Toll-Free – 1.866.222.0079 (within Canada & USA)
• Collect – 0.416.642.2908 (to Canada)
• Claim Inquiries – 1.514.875.5005
In order to proceed with a claim you need to do the following:
• Complete and sign a Claim Form.
• Attach all original medical receipts or other conformation of payment.
• Include brief explanation of your medical situation.
• Send the above documents to the address provided below.
Globe Insurance Management Company Inc.
1100, Boul. Rene – Levesque Quest, Suite 1100
Montreal, QC, H3B 4N4
Click to view – SRMRM | Claim Form
Please note that all claims have to be submitted within the first 30 days from the moment you have received medical treatment as well as written proof of the claim has to be filed within 90 days of occurrence.
Refer to the following document for a complete list of instructions on how to submit a claim:
Click to view – SRMRM | Policy Wording
Please, note that requests for Premium Refunds will not be approved, in case there were any claims made during the period of coverage.
Full Refunds are available for Visitors to Canada, if:
• You cancel your policy within 10 days from the moment of purchase, in case it happens BEFORE the effective date.
• Your Super Visa application has been rejected.
Partial Refunds are available with a 12% charge and $25 administration fee, if:
• You cancel your policy due to Early Departure to your home country.
• You become eligible and/or covered by the Provincial Medical Care Plan.
Important Notice: Partial Refunds are calculated from the date a written notification is received by SRMRM as well as SRMRM reserves the right to limit and/or restrict premium refunds depending on your documentation.
For a complete list of details on Premium Refunds can be found in the following document:
Click to view – SRMRM | Policy WordingIn order to request a refund, please contact one of our Insurance Advisors.
Note: This information is not an actual insurance policy. For a list of complete requirements, conditions, limitations and exclusions please see the policy wording.