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Travel Insurance

 

Multi-Trip Emergency Medical Insurance

for Canadians Traveling  outside province of residence or Canada

 

 

This convenient coverage allows for as many trips as you want during a one-year period without having to buy insurance every time you travel outside your home province. No more worrying about having to buy coverage for a last minute business trip or a weekend getaway. Take as many trips in the year as you want.  If you are a sun-seeker, vacationer, snowbird, truck driver or business traveler who travels more than once a year,  then this is the option for you. 
 

TO BE ELIGIBLE FOR INSURANCE UNDER THIS POLICY, you must be a resident of Canada, and covered under a government health insurance plan.

 

Multi-trip Plans: Choose from 4, 8, 10, 15, 18, 20, 30, 35, 60, 95, 105, 125, 155 day multi-trip plans. You’ll be covered for 12 months and can travel from your home province for an unlimited number of trips up to the trip duration you have chosen.

 

In the case of claim, proof of original departure from and return to your province of residence has to be enclosed to a claim form. It may be : Originals or copies of airline tickets, Boarding passes, Original gas receipts, Original hotel receipts, Original meal receipts, Toll highway receipts, Original duty-free shop receipts, Copy of credit card statement showing purchases made in province of residence before and after your trip.

 

   Insurance Providers

1) Manulife Financial   (Get your instant policy on-line)

2) Group Medical Services (Get your instant policy on-line)

3) Travel Underwriters  (Get your instant policy on-line)

4) T.I.C. Travel Insurance Coordinators    (Call at 416-493-0101 or toll free 1-877-443-0101 to purchase a policy)

 

 

 

▒▒  Manulife Financial   ▒▒ 

 

To get a quote and  purchase this insurance contract on-line, please, click link below and follow instructions.  If you are 55 years of age and over, you will be asked to fill out a Medical Questionnaire. Depending on your answers the company will give you rate of different categories A+, A, B, C.

 

You can print out your Manulife Travel Insurance Confirmation of coverage immediately after your payment is approved (Just click on the Policy number, which you will see on the screen). Also, you will receive Manulife Travel Insurance Confirmation of coverage and the policy wording on your e-mail address. This Confirmation of coverage and the policy wording make up your insurance contract.

 

 

Get a free quote & buy Online

  

 

If you have questions or need help to complete the application please call Natalia at 416-493-0101 (or toll free 1-877-443-0101) or click here to send your request.

 

Rates

(per person, per year)

 

Multi Trip Premium Charts:

RATE CATEGORY A+

Plan

Days

55-59

years of age

60-64

years of age

65-69

years of age

70-74

years of age

75-79

years of age

80-84

years of age

85+

years of age

Multi-Trip
Emergency
Medical

4

$45

$58

$66

$86

$90

$149

 $192

10

$63

$81

$92

$116

$122

$203

 $261

18

$94

$106

$116

$130

$155

$253

 $326

30

$139

$147

$165

$193

$271

$450

 $578

 

RATE CATEGORY A

Plan

Days

0-25

 

26-39

40-54

55-59

60-64

65-69

70-74

75-79

80-84

85+

Multi-Trip Emergency Medical

4

$32

$37

$43

$51

$63

$73

$95

$97

$162

$219

10

$44

$51

$57

$69

$88

$100

$128

$133

$222

$289

18

$78

$80

$88

$105

$120

$131

$156

$216

$359

$414

30

$102

$119

$127

$153

$162

$184

$224

$316

$638

$738

 

RATE CATEGORY B

Plan

Days

55-59

 

60-64

65-69

70-74

75-79

80-84

85+

Multi-Trip Emergency Medical

4

$75

$95

$109

$142

$164

$217

$257

10

$103

$132

$151

$191

$228

$296

$351

18

$116

$144

$158

$201

$290

$546

$648

30

$169

$211

$238

$305

$451

$858

$1,018


 

RATE CATEGORY C

Plan

Days

55-59

 

60-64

65-69

70-74

75-79

80-84

85+

Multi-Trip Emergency Medical

4

$86

$108

$124

$163

$302

$373

$543

10

$118

$150

$172

$218

$413

$508

$741

18

$159

$210

$296

$362

$592

$937

$1,365

30

$253

$312

$443

$549

$916

$1,468

$2,140

   

  • Rates are subject to change without notice.

  • Emergency Medical Family Coverage rates are 2x the premium rate for the oldest traveler under age 55.

  • Premium due is based on:

    1. The plan purchased;

    2. The rate category; and

    3. The age at the time of application

  • Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

  • Click here to learn how pre-existing conditions are covered for different rate categories.  Please see the definition of “pre-existing condition” and “stable” in the section DEFINITIONS of this policy wording.

 

Please read the policy for details on the coverage provided, conditions and exclusions.

 

If you need help to complete the online application or you want to purchase a policy, please, call Natalia at 416-493-0101 (or 1-877-443-0101) or click here to send your question

For the questions regarding your policy, to make changes to your coverage, to obtain a claim form or to make a non-medical travel insurance claim, please call Manulife Financial Customer Service at 1-800-268-3763.

In the event of an emergency please call the Assistance Centre immediately, prior to receiving medical treatment. The phone numbers are indicated in your policy.

 

Get your instant policy on-line:   Get a free quote & buy Online

 or call at (416) 493-0101, (416) 458-4577, 1-877-443-0101 for more information and to purchase a policy

 

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▒▒  Group Medical Services  ▒▒

 

This Multi-Trip Annual Travel plan provides emergency medical coverage for travel outside your province or outside Canada for trips under 30 days.

When taking multiple trips outside of Canada under the Multi-Trip Annual Travel plan, you must return to your province of residence for a minimum of seventy-two (72) hours prior to making a subsequent trip. This condition does not apply in cases where trip duration is less than fourteen (14) days.

To get a quote and  purchase this insurance contract on-line, please click link below and follow the instructions.

 

If you have questions or need help to complete the application please call Natalia at 416-493-0101 (or toll free 1-877-443-0101) or click here to send your request.

Rates

(per person, per year)

 

Multi-Trip Annual Emergency Medical

 

  Trip Length (# of days)
Age 30 days 15 days
Under 18 $32 $21
18-34 $66 $42
35-44 $74 $48
45-54 $87 $57
55-59 $121 $84
60-64 $194 $129
65-69 $279 $187
70-74 $429 $302
75-79 $550 $386

If you are 16 years of age or older and have used tobacco or tobacco products in the last 24
months, a 15% smoking surcharge applies.

Please read the policy for details on the coverage provided, conditions and exclusions.

If you have questions, need help to complete the online application, or want to purchase a policy please call Natalia at 416-493-0101 (or toll free 1-877-443-0101) or click here to ask your question online.

For the questions regarding your policy, to make changes to your coverage, to obtain a claim form or to make a non-medical travel insurance claim, please call Group Medical Services Customer Care at 1-800-667-3699

In the event of an emergency please call the Assistance Centre immediately, prior to receiving medical treatment. The phone numbers are indicated in your policy.

 

You can get your instant policy online:  Get your quote and buy on-line

 or call at (416) 493-0101, (416) 458-4577, 1-877-443-0101 for more information and to purchase a policy

 

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▒▒   Travel Underwriters   ▒▒

 

Multi Trip Annual

This Policy begins at 12:01 AM on the effective date as shown on the application and continues in force for a period of one year from the effective date. Coverage commences on the  time and date of each departure from your home province, which must be on or after the effective date as shown on the application. The insured may travel as many times as they wish during the period of coverage provided that no one trip exceeds the maximum number of days as specified and contracted for at the time of application.

 

This insurance provides coverage in case of injury or sickness requiring an emergency hospital stay or emergency medical treatment while traveling outside the Insured(s) home province or territory abroad or within Canada.

  • Maximum coverage — $5 million (CAD).

  • The Insured must be a Canadian resident and insured and/or eligible for benefits under the government health care plan of their province or territory of residence.

  • Includes a $250 (CAD) deductible.

  • Other deductible options available: $500, $1,000, $2,000, $5,000, $50,000, $100,000.

  • Family plan available.

This coverage includes licensed ambulance, emergency dental expense, prescription drug reimbursement, emergency medical transport, family transportation expense, board and lodging for the Insured or the traveling companion while confined to hospital, escort home of insured children and more ( refer to the Policy wording for details of the coverage provided, exclusions, limitations, conditions  and claim procedure)

 

Rates

Emergency Excess Hospital/Medical Insurance
Multi Trip Annual (Worldwide)

•  $250 Canadian deductible per person. To determine a $0 deductible, add 15% to the annual rate.

•  Automatic Renewal Option : Clients 59 years and under are eligible for the automatic renewal option

•  Persons 60–89 years must answer the questionnaire to determine rate. 

 

Rates

Multi Trip Annual (Within Canada)

          •  $250 Canadian deductible per person. To determine a $0 deductible, add 15% to the annual rate.

          •  Automatic Renewal Option : Clients 59 years and under are eligible for the automatic renewal option

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

 

 

If you have questions about this coverage or want to purchase the policy, please, call at 416-493-0101, 1-877-443-0101 or click here to ask your question online.

In the event of hospitalization, you have to call OneWorld Assist immediately: The phone numbers are indicated in your policy.

 

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▒▒   T.I.C. Travel Insurance Coordinators  ▒▒

 

Rates

Policy wording

 

 

 Policy wording

 

If you have questions about this coverage or want to purchase the policy, please, call Natalia at 416-493-0101, 1-877-443-0101 or click here to ask your question online.

In the event of an emergency please call TIC Emergency Assistance immediately, call prior to any surgery being performed or within 24 hours of admission to a hospital. The phone numbers are shown in your policy.

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                                                       January 29, 2012