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Attention Snowbirds and Seniors!
Get Your Best Quotes for Travel Insurance
Medical Questionnaires Applicants 55-60 years old and over have to answer several medical questions to determine their travel insurance rates. Medical questionnaires are slightly different with different insurance companies and you may qualify for better rate with one of the companies and get higher rate with another one.
Check your eligibility, fill out medical questionnaires with different insurance providers to determine your rate category (see the chart below) and we will help to choose the best solution for you. If you have pre-existing medical conditions and want these conditions to be covered by the policy, the medical questionnaire is the most important part of your insurance policy. If you have any doubt about your medical conditions as it relates to the medical questions in the questionnaire, you should consult your physician for advice before completing the questionnaire.
Eligibility Requirements and Medical Questionnaires
* Refer to the policy wording for details on the coverage provided, conditions, exclusions and limitations. Please call at 416-493-0101, if you have questions or need assistance.
Coverage for Pre-existing Medical Conditions All policies above cover medical expenses relating to pre-existing medical conditions if these conditions have remained stable during period of time before the effective date as stated in the policy. Stability period may depend on the applicant's age and rate category as determined in the medical questionnaire and vary from 90 days to 365 days. Definition of STABLE may be a little bit different with different insurers. Basically, STABLE means: there were no new medications, new symptoms, no alteration in medications and dosage, no hospitalization, no new treatment or consultation scheduled within this stability period. Please refer to the policy wording for definition of stable pre-existing conditions.
Emergency medical insurance does not pay for prescription drugs or medicines, appliances or devices provided to monitor or maintain stable pre-existing medical conditions.
Individual Medical Underwriting Plan If you are unable to meet the eligibility requirements as stated in the medical questionnaire, you may be eligible for an individual medical underwriting plan which provides emergency medical insurance coverage for your trip. This plan provides coverage of pre-existing conditions with no required stability period. Please call at 416-493-0101 for more information.
Short trips If you are 60-74 years of age and your trip is not longer than 15 days, you can purchase travel emergency medical insurance with no medical questions on the application. This insurance pays for emergency medical expenses relating to your pre-existing medical conditions, which are stable in 180 day prior to the effective date of the policy. You can also buy travel emergency medical insurance with no coverage for pre-existing condition at all, if your trip does not exceed 30 days: there is no medical questionnaire on the application. Please call at 416-493-0101 for more information.
Deductibles Deductible amount means the amount of covered expenses that you are responsible for paying per person per emergency claim. The deductible is shown in your confirmation of coverage. You can choose deductibles: $0, $250, $500, $1,000, $2,000, $5,000, $10,000, $50,000, $100,000 : the greater deductible the less premium you have to pay
Top-ups If you have already Emergency Medical plan (single-trip or multi-trip) but you need coverage for more days than you have with the existing plan, you can purchase top-up coverage. You must purchase a top-up before leaving your province of residence.
All companies above with the exception of Travel Underwriters calculate travel insurance premiums for top-up coverage taking into account the total trip length, which includes departure date, return date and days in between. That is why when requesting a quote for a top-up, you need to know the total trip length and number of days covered by an existing policy.
Also check your existing policy, if it permits a top-up from different insurers. Some policies require the insured person only purchase top-up coverage from the same company.
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 for an unlimited number of trips up to the trip duration you have chosen. Click here for more information.
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 (refer to the policy wording for details).
Optional Plans The cost of your travel arrangements are covered when you purchased coverage under Trip Cancellation & Interruption plan. The benefits payable under this policy are limited to the travel costs that are non-refundable. All-Inclusive policy may include Emergency Medical insurance, Trip cancellation Insurance&Interruption, Baggage Loss or Damage, Flight&Travel Accident insurance.
Note: Please refer to the policy wording for full details of coverage provided and exclusion, limitation, conditions of the policy as well as for the claim procedure.
For more information, free consultation and to purchase a policy please call at 416-493-0101, 416-458-4577, 1-877-443-0101 or ask your question online
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