TRAVELLER Travel Insurance
(underwritten by Industrial Alliance Insurance and Financial Services Inc. and certain Lloyd's Underwriters)
What coverage will you have?
Emergency Medical Insurance (Single -Trip and Multi-Trip)
You are eligible for coverage if:
Applicants 60 years old and over have to complete the Medical questionnaire to determine rate category.
Single-Trip Plan: Provides coverage for a single trip: Worldwide, Worldwide excluding USA (includes up to 5-day transit coverage in USA), and Canada only. One temporary visit to your home province, of up to a maximum of 10 days, is permitted during your period of coverage.
Multi-Trip Plan: Annual plans: Worldwide and in Canada only. Choose from 5, 10, 20, 35, 60, 95, 125, 155, 182 day multi-trip plans. You will be covered for 12 months and can travel for an unlimited number of trips, which start and end in your province of residence, up to the trip duration you have chosen. Clients 58 years and under are eligible for the automatic renewal option. Click here to check the rates.
Deductible. Automatic $300 USD deductible; other deductible options $500, $1,000, $2,000, $5,000, $50,000, $100,000 are available for premium discount. For $0 deductible, 15% surcharge applies. For the Canada plan, all deductibles are in Canadian dollars.
Family Plan. Available up to age 59. Includes children up to age 21; 25 if attending full time school or physically/mentally handicapped.
Emergency Medical Benefits
Exclusions and Limitations. Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please learn them and understand the policy before you buy this insurance.
Pre-existing Medical Condition exclusion (for Emergency medical coverage):
The company will not be liable to provide coverage or services,
or to pay claims for expenses incurred directly or indirectly as
a result of any pre-existing condition as defined, except as
Applicable to persons 75 to 89 years (on the application date)
Some other exclusions:
This policy does not pay for expenses incurred directly or indirectly as a result of
- Conditions or any related conditions for which, prior to departure, testing or investigative consultation took place, was scheduled to take place or was recommended (not including routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure. This includes tests that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.
- Any condition(s) for which you are registered on a waiting list in Canada for treatment or diagnosis.
- Ongoing care, rehabilitation or check-ups.
Please refer to the policy wording for full list of exclusions (pg. 11-12 , 39-40) and definitions: accident and injury, alteration, medical treatment, minor ailment, pre-existing condition, sickness, stable, etc. If you need assistance, please Contact us .
1) Trip Cancellation/Trip Interruption Insurance:
prior to departure — Up to the limit of Insurance purchased
You can buy this package separately or all together with Emergency Medical Insurance.
Inclusive Holiday Package is available for persons under 59
years and includes the following benefits:
NOTE: The product-related information is for illustration purpose only. Please refer to the Policy Wording
for details on the coverage provided, conditions, exclusion and claim procedure.
Revised: November 15, 2015