Extended health care with Core Travel

Prepare for unexpected health costs with group benefit rates you can't afford to pass up.

EHC with Core Travel insurance coverage helps you guard against medical expenses not covered by your provincial plan.

You’ll use EHC with Core Travel coverage when you:

  • Need prescription drugs
  • Buy new glasses, contacts or hearing aids
  • Visit a massage therapist, physiotherapist or other registered specialist under paramedical services
  • Are in the hospital and want your privacy (semi-private or private room)
  • Need home care after a 24-hour stay in the hospital
  • Want a private duty nurse or proper foot care
  • Need medical products or equipment – and more

Maximum coverage: $10,000 per covered person (excluding Core Travel amounts, described separately)

Why choose EHC insurance with Core Travel?

  • Group rates – thanks to your AUPE membership
  • Includes an emergency Out-of-Province/Canada Travel benefit for any number of trips of up to 92 days in duration
  • Trip Cancellation and Interruption/Delay coverage

You're eligible to apply for EHC with Core Travel insurance if you meet all the criteria below:

  • A permanent resident of Canada
  • Between the ages of 55 and 76
  • Insured by a Government Health Insurance Plan (GHIP)
  • A member of AUPE in good standing on the date immediately preceding your date of retirement or the date your group insurance plan offered by your employer or union ends
  • Have been covered under your employer or union plan on the date immediately preceding your retirement or termination of employment

You must have coverage in order for your dependants to be eligible.

Apply without proof of good health: you can apply for coverage without proof of good health, as long as we get your application within 60 days of your group insurance coverage end date. 

You can get EHC with Core Travel for:

  • You
  • Couple (you + spouse)1
  • You, your spouse, your child(ren)2

You and your dependants must be insured for the same benefits.

Extended health care

Plan year maximum

Maximum of $10,000 per covered person (not including Core Travel described separately)
Deductible

$0
Coverage

100% for hospitalization

80% for all other EHC benefits
Prescription drugs

80% of costs covered

Maximum of $2,500 per person per plan year

Covers a portion of eligible drugs that are not covered by your GHIP

Covers a portion of eligible drugs in excess of GHIP
Vision

$500 maximum per 24 months

Following eye surgery - $175 lifetime

If you have severe astigmatism: $200 maximum per 24 months for contact lenses up to 20/40 level

Eye exams (including refraction): Up to $150 per 12 months (children) and 24 months (adults)
Hospital

Up to $150 per day for a semi-private room

Up to $200 per day for a private room

Includes convalescent and rehabilitative hospital stay
Home care

Following a 24-hour hospital stay

Up to $50 a day for 10 days
Paramedical

Combined maximum of $1,000 per person per plan year for:

  • Chiropractors
  • Physiotherapists
  • Massage therapists
  • Dieticians
  • Psychologists
  • Speech therapists
  • Naturopaths
  • Acupuncturists
  • Osteopaths
  • Audiologists
  • Podiatrists/chiropodists

Maximum coverage of $60 per visit
Hearing aids

Purchase or repair, with written recommendation

Maximum of $1,000 per 3 years
Private duty nurse

Maximum of $3,000 per 3 years
Medical services and equipment

Requires written authorization by Physician and for therapeutic use only

Surgical support stockings: $200/year

Up to $500 per 3 years for orthopaedic shoes, orthotics, inclusive of repairs and adjustments

Incontinent supplies: $200 per year

Geriatric Chair*: Lifetime maximum of $1,000

Insulin pump and transmitter*: $1,000/5 years

Intravenous supplies: $150 per year

Wigs after chemotherapy: $600 per 3 years

Dressing/bandages for chronic conditions: $600/year

Walkers: $120 per year

Manual wheelchair or electric wheelchair or scooter*: Up to $1,500 per 5 years, including repairs

CPAP*: Up to $1,000 per 5 years

Nebulizer: $150 per 5 years

Hospital beds*, ventilators, colostomy supplies, diabetic supplies, trusses, splints, crutches, casts, etc.

*A one-year waiting period applies to these expense items.

Core Travel - emergency hospital and medical **
(included with your EHC)

Overall policy maximum $2 million
Hospital Up to policy maximum of $2 million
Physician Up to policy maximum of $2 million
Private duty nursing $5,000 per insured person, per year
Prescription drugs

Outpatient – up to 30-day supply

In-patient – up to policy maximum of $2 million
Diagnostic lab and X-ray services Up to policy maximum of $2 million
Aids and appliances Rental costs up to the purchase price
Paramedical practitioners

Chiropractor, Podiatrist or Chiropodist – up to $225 per profession/insurer

Physiotherapist – up to $300 per insured
Emergency medical transportation

To the nearest medical facility – up to overall maximum of $2 million

To Canada – excess return airfare and one round trip for medical attendant
Transportation to bedside If hospitalized as an in-patient for more than 7 days: transportation costs for one extended family member
Return of dependant child(ren) with escort If you are hospitalized or repatriated to Canada due to a medical emergency: one-way economy transportation by most direct route to return child
Repatriation

Burial at place of death or repatriation of deceased up to $5,000

Transportation costs for one family member to identify remains when necessary
Vehicle return benefit Up to $2,000
Additional commercial accommodation and meal expenses Up to $150 per day for a maximum of 10 days
Surviving spouse support Economy round-trip fare to a maximum of $1,500
Guide dog return Up to $500 per trip
Emergency dental

Accidental blow to the mouth - Up to $1,000/insured/trip

Relief of dental pain up to $300

Core Travel - Trip Cancellation and Interruption/Delay **

Trip Cancellation

Up to $6,000 per person for prepaid non-refundable travel arrangements
Trip Interruption/Delay

Up to $6,000 for one-way economy fare and unused non-refundable prepaid travel arrangements

**Travel insurance doesn't cover everything. Please refer to the certificate for full terms and conditions, including limitations and exclusions. Travel benefits are underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies. This insurance is administered by Allianz Global Assistance, a registered business name of AZGA Service Canada Inc. If you or any of your dependants require medical assistance while travelling, you must contact Allianz Global Assistance within 48 hours or as soon as possible.

What’s the cost?

Monthly premium rates

EHC with Core Travel
Age 55-64 65-74 75-84 85 and over
You $164.94 $138.94 $187.35 $311.76
You + 1 dependant $272.67 $257.07 $353.87 $602.69
You + 2 or more dependants $326.44 $383.64 $505.58 $809.16

Age and rate calculation are made on January 1 of each year.

When coverage begins:

If applying without proof of good health, approved coverage begins the day following the termination date of the previous group insurance.

If applying with proof of good health, coverage begins on the first day of the month, after approval.

Take these three steps to apply:

Icon of a download

Download application

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Fill it out

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Mail it in

What’s not covered?

We will not pay for the costs of:

  • Services or supplies payable or available (regardless of any waiting list) under any government-sponsored plan or program, except as described in the contract under Integrating with government programs
  • Implanted prosthetic or medical devices (examples of these devices are gastric lap bands, breast implants, spinal implants and hip implants)
  • Equipment that we consider ineligible (examples of this equipment are orthopaedic mattresses, exercise equipment, air-conditioning or air-purifying equipment, whirlpools and humidifiers)
  • Services or supplies that are not usually provided to treat an illness, including experimental or investigational treatments as defined in the contract
  • Services or supplies that do not qualify as medical expenses under the Income Tax Act (Canada)
  • Services or supplies for which no charge would have been made in the absence of this coverage

We will not pay benefits when the claim is for an illness resulting from:

  • The hostile action of any armed forces, insurrection or participation in a riot or civil commotion
  • Participation in a criminal offence
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Learn more

Questions?

Call us at 1-877-363-2773
Mon to Fri 8 a.m. to 8 p.m. ET

Or contact Daniel Kickham,
Plan Advisor, KB Benefits:
780-242-4828
Email

Related products

Important notice regarding COVID-19

Please review the following information related to COVID-19 to understand how it relates to Trip Cancellation benefits included in your policy.

Learn more

1. Spouse: The insured’s spouse by marriage or under any other formal union recognized by law, or a partner of the opposite sex or of the same sex who is living with the insured and has been living with the insured in a conjugal relationship. Only one person at a time can be covered as an insured’s spouse under this contract.

2. Child: A child, other than a foster child, of the insured or the insured’s spouse, who does not have a spouse and who is:

  • Under 21, or
  • Age 21 or over but under age 25 who is a full-time student attending an educational institution recognized under the Income Tax Act (Canada) and is dependant on the insured for financial support.

A child who becomes disabled before the limiting age and remains continuously disabled, qualifies as long as the child:

  • Is incapable of financial self-support because of a disability,
  • Depends on the insured for financial support, and
  • Does not have a spouse.

The insured must provide Securian Canada proof of the above within 6 months of the date the child attains the limiting age.