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

** Core travel insurance doesn't cover everything. Please refer to the certificate of insurance for full terms and conditions, including limitations and exclusions. If you or any of your dependants require medical assistance while travelling, you must contact Securian Canada's emergency travel assistance provider within 48 hours or as soon as possible.

What’s the cost?

Monthly premium rates

Age	55-64	65-74	75-84	85 and over
EHC with core travel
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:

Download application

Fill it out

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

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

Download Centre

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.