Plan Overview
This Insurance provides timely access to American healthcare services in the event of an illness or injury. Individuals and their dependents may apply for coverage. The minimum age is 60 days, while the maximum is 74 years for coverage.

Lifetime maximum
Each insured is covered up to $5,000,000 USD for surgical or diagnostic procedure or treatment.

Rapid second opinion
An independent second opinion diagnosis and treatment plan is available following initial diagnosis or medical recommendation(s). Not subject to deductible.

Surgical, diagnostic procedures and treatment
When pre-authorized, the policy will pay hospital costs for:

  • Private room charges
  • Physicians and surgeons
  • Nursing charges
  • Operating room charges
  • Charges for drugs prescribed in and taken home from the hospital
  • Diagnostics
  • Any other medically necessary costs required by the hospital for inpatient hospital services, outpatient hospital services or in an Intensive Care Unit

Deductibles
Each policy is subject to a deductible selected by the insured of $5,000 or $10,000 USD per insured, per policy period.

Transportation
Business class airfare covered at 100% when pre-authorized. Alternative transportation arrangements are also possible and are described in the policy.

Meals and accommodation
$250 USD per person per day, to a maximum of $2,500 per person per occurrence when pre-authorized.

Travel companion
An insured person is permitted one family member or friend to serve as travel companion, where a medical practitioner has certified that the insured person is incapable of travelling without assistance.

Medical underwriting and exclusions
Pre-existing medical conditions may not be covered by this policy. Because the plan is medically underwritten, certain risk factors may result in additional and specific exclusions of conditions that have been known to result from them. Some risk factors may simply result in an additional premium for the added risk.

For Further Information Contact:
Family Health Advocates at:
insurance@familyhealthadvocates.ca
or call: 647 -351-9355