I have Health & Dental Insurance through my employer. What is the benefit of purchasing IAP Kids Plus™?
Deductibles and policy maximums mean that you can still end up with out-of-pocket expenses even after a minor accident. IAP Kids Plus™ pays most benefits in addition to other group or private insurance. Also, a special feature in both the Active and Value plans allows you to claim future dental expenses (see Benefit Summary for benefit limits).
For example: A dentist may opt to temporarily repair your child’s teeth while his/her mouth is still developing and at a later date, perform a more permanent procedure. While you may have health and dental benefits through your employer now, you may not when you require the benefit at a later date.
What is the difference between the IAP Kids Plus™ plans?
The Active and the Value Plans are designed specifically for children. The Active Plan is the most comprehensive plan offering the highest limits and some exclusive benefits such as Wage Loss and Enhanced Travel benefits and is the only plan that covers sickness as well as accidents when travelling. The Value Plan is a low-cost alternative plan. The Adult Plan is designed for adults such as parents and legal guardians, adult children, grandparents and other family members from ages 20 to 64.
When does coverage begin?
Coverage begins on the latter of September 1st, 2009 or the date your enrolment form and premium are received by IAP.
When does coverage expire?
Coverage expires on the date the insured is no longer a permanent resident of Canada, or the date the insured is enrolled in a replacement IAP Kids Plus™ Accident Insurance Policy, or at 12:00 midnight on September 30, 2010, whichever date first occurs.
I have Health and Dental coverage through work. Which company would handle my child’s accidental DENTAL claim?
Your Employer or Individual plan would be the first payer for dental benefits. However, you should also file a claim with IAP Kids Plus™ within 90 days of the accident in order to have benefits coordinated with your employer or in order to claim for future dental benefits.
Is the premium paid monthly?
No, the premium is a single, one-time payment for your coverage until the end of the policy term.
Can I get a refund of premium if I cancel my IAP Kids Plus™ insurance policy?
Yes, premium refunds are only available if requested within 30 days of the effective date of insurance. After 30 days, refunds will not be issued.
If I buy insurance in December, is the premium pro-rated?
As this is a one-time cost for the policy term, the premium will not be pro-rated.
Will IAP send me a receipt to confirm payment?
As your policy number and plan details have already been provided, your cancelled cheque or credit card statement serves as your proof of payment. A confirmation of coverage and payment will only be sent to you if you are applying on-line or over the phone.
Can I upgrade my children’s plan after I have enrolled them?
Yes. You may send IAP a written request by fax at our toll free number: 1-888-553-5433 or by mail.
If my child is not attending school or is now attending post-secondary school, can he/she still apply for coverage?
Yes. Any child between the ages of 6 months and 19 years can be enrolled in the Active Plan or the Value Plan, regardless of whether they attend school or not. Those aged 20 or older can be enrolled in the Adult Plan.
Are foreign exchange students or international students eligible to enrol under this plan?
No, they are not eligible.
My children attend different schools that belong to different school boards/districts. Can I complete one enrolment form for all my children?
Yes. As long as your children are residents of Canada, you can complete one enrolment for all your children regardless of where they attend school.
Can my child who is attending school outside of our home province apply for coverage?
Yes, their province of residence would be considered their home province while attending school away from their actual province of residence.
Can my child who is attending school outside of Canada be covered?
No, our coverage is only available to children attending schools in Canada.
Does coverage extend to outside school hours?
Yes. The coverage for you or your child is 24 hours a day, 7 days a week. This includes weekends, summer vacation, professional development days, field trips, and other school breaks. However, there are some restrictions when travelling outside your province of residence or Canada.
My child will be moving to a new school district. Is this insurance transferable to a new school?
Yes. Your coverage is transferable anywhere in Canada, regardless of where you move.
I have re-married and my spouse has two children and I have three. They have different last names and go to different schools. Can I enrol everyone on the same enrolment form?
Yes. Please ensure that all applicable surnames are shown on the enrolment form.
Does coverage extend to travel outside Canada?
Yes. Unlimited world-wide trips during the policy term, limited to 30 day duration are covered. Any trip in excess of 30 days would not be covered. The Value Plan and Adult Plan provide coverage for Injury only. The Active Plan provides coverage for both Injury and Sickness, Emergency Return Flight and Family Transportation. All plans include a Repatriation benefit.
I only travel within Canada. Does the travel and transportation coverage apply?
Most provinces cover Out-of-Province patients. However, the cost of medical expenses may be higher than in your home province, leaving you with out-of-pocket expenses. You may be able to claim these additional expenses under the Travel and Transportation benefit on your selected plan.
Can I include my niece and nephew on my child's enrolment form?
Nieces and nephews are considered another family and therefore their parents or legal guardians must complete a separate enrolment form. However, if you are the legal guardian (i.e. court appointed) of your niece and nephew, you can include them on your child's enrolment form.
I am a parent. Can I apply along with my children using the same enrolment form?
Yes, if you qualify as an Adult as per our definition, you may enrol under the Adult Plan using the same enrolment form.
My children will be going on a trip in October and January. Both trips will be of 20 days duration. Will both trips be covered under the Emergency Out-of-Province/Country Travel benefit?
Yes, both trips are covered since the 30-day trip duration limitation is per trip.
My child will be travelling to Europe. If he/she gets into an accident overseas and has to be hospitalized, does he/she ask the hospital to send the bill to IAP in Canada?
No. Most hospitals have their own billing procedures. In the event of a Medical Emergency outside Canada or the U.S.A., place a collect call through the Operator to 1-305-865-8895. If possible, call the hotline before obtaining any medical services or treatment to ensure the medical attention you receive is covered. Within Canada or the U.S.A., please call 1-800-255-2008.
Can I pay for my grandchild's insurance even when I'm not the parent/legal guardian?
Yes, but the name of the parent/legal guardian must appear on the enrolment form. All benefits payable under the Policy on behalf of Children are payable to or at the direction of the Parent/Legal Guardian.
Is a child with cancer, epilepsy or other existing illness eligible? If yes, is there an exclusion?
Yes, the child is eligible as long as they qualify as a Child as per our definition. However, if the child had an accident due to his/her existing illness, e.g. the child had an epilepsy attack and fell down and broke his/her nose, the injury will not be covered.
Note also that the Non-Accidental Death benefit contains a limitation which states: If the Insured dies as the result of a medical condition the Non-Accidental Death benefit will only be payable if the medical condition first manifested itself while the Policy was in force as to the Insured.
What is the difference between the Accidental Death and Non-Accidental Death benefits?
Non-Accidental Death benefit covers death from any reason other than Accident, excluding any condition which manifested itself prior to the current Policy term. The Accidental Death benefit only pays if death is caused by Injury resulting from an Accident, as defined in the Policy.
