What coverage you will get

Emergency Medical Insurance

Single-Trip Plan: Provides medical coverage for a single trip. Trip break:  If you have requested and received prior approval from 21st Century Travel Insurance Limited, you may return to your province of residence to attend special events without terminating your coverage. There will be no refund of premium for any of the days during your return home. Coverage is not in effect during the time you are at home.

Multi-Trip Annual Plans:   Multi-Trip plans provide emergency medical coverage for an unlimited number of trips taken within one (1) year, commencing with the effective date as shown on your confirmation. You can choose from 4, 10, 18, 30  day plans.

In the event of a claim, you will be required to provide proof of your departure date and your return date. Proof can include your plane ticket, train ticket, a stamped passport, and/or credit card or bank statement showing purchases in Canada just prior to your departure date.                                

 

Emergency Medical Benefits

Emergency Medical Insurance covers you for up to $5,000,000 of covered expenses incurred by you as a result of medical attention required by you during your trip if a medical emergency begins unexpectedly after you leave home:

▶ Expenses for emergency medical attention : Reasonable and customary charges for medical care received from a: physician in or out of a hospital: the cost of a semi-private hospital room (or an intensive or coronary care unit where medically necessary); the services of a licensed private duty nurse while you are in hospital; the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance; tests that are needed to diagnose or find out more about your condition; and drugs that are prescribed for you and are available only by prescription from a physician or dentist.

▶  Expenses for paramedical services (up to $300 by profession)
▶  Expenses for ambulance transportation

▶  Expenses for emergency dental treatment

▶  Expenses to bring someone to your bedside

▶  Extra expenses for meals, hotel, phone calls and taxi

▶  Expenses related to your death

▶  Expenses to bring you home

▶  Expenses to return children under your care

▶  Expenses to return your travel companion

▶  Expenses to return your vehicle home

▶  Trip break

 

Exclusions and limitations.  Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.

A Pre-existing Medical Conditions exclusion is the most important exclusion in any Travel insurance policy.

If your age at the time of application is less than 55 years, the pre-existing condition clause for category A is applied to you.

If your age is 55 years and over you will be asked to answer several medical questions in the applications (see Medical Questionnaire ) and depending on the answers you will qualify for rates and  pre-existing condition coverage of categories A+, A, B, C, or Fast-Trak.

Fast-Trak is a plan for trips of less than 31 days for those 55-74 years of age (no medical questionnaire, no coverage for pre-existing conditions: see the Policy wording, Fast-Trak plan).

 

All-Inclusive Plans (Single-Trip and Multi-Trip Annual)

If you make pre-paid travel arrangements, you may want to choose the All-Inclusive plan that includes:

●  Emergency Medical :  up to $5,000,000 per policy,

●  Trip Cancellation and Interruption:

   Single-Trip Plan - up to the sum insured to maximum of $3,500 per trip

   Multi-Trip All-Inclusive - up to $5,000 per trip to a maximum of $7,000 per policy

●  Baggage Loss or Damage:

   Up to $1,000 per trip. Up to $3,000 per Multi-Trip All-inclusive policy. 

●  Baggage Delay:

   Up to $500 per trip. Up to $1,500 per Multi-Trip All-inclusive policy. 

●  Flight Accident.

   $100,000 for death or double dismemberment or $50,000 for single dismemberment.

●  Travel Accident.

    $50,000 for death or double dismemberment or $25,000 for single dismemberment.

 

Trip Cancellation&Interruption insurance (Single-Trip) can be purchased separately.

To be eligible to purchase stand-alone Trip Cancellation coverage, you must be living in Canada or traveling to Canada. Under Trip Cancellation&Interruption insurance, coverage will include travel within your province of residence.

 

This is only a summary of the benefits. Please refer to the Policy wording for details on the coverage provided, conditions, exclusions, limitations  and claim procedure.

 

If you have questions about this coverage or want to purchase the policy, please, call Natalia at 416-493-0101, 1-877-443-0101 For general enquiries, coverage information, or to apply for an extension or a refund of premium, please call 21st Century Travel Insurance Limited during regular business hours, at 1 800 567-0021, or (905) 372-1779. In the event of an emergency please call or e-mail the Assistance Centre immediately. If you do not call or email the Assistance Centre in an emergency and prior to treatment, you will have to pay 25% of the eligible medical expenses, which would normally be paid under this policy. The phone numbers and e-mail  are shown in your policy.