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Travel Underwriters

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FREEDOM Travel Insurance

 

► Policy Wording ► Emergency Medical Insurance    (Single-Trip and Multi-Trip) ▶ Summary of Medical Coverage ▶ Pre-existing Medical Conditions ▶ Medical questionnaire     (for applicants 60 years old & over) ▶ Rates (Single Trip)     Worldwide     Worldwide Excluding USA     Traveling Within Canada   ► Non-Medical Package (Single-Trip) ► All inclusive Holiday Package    (Single Trip)   ►Get a free quote and buy Online   To buy a policy over-the-phone, please call at   416-493-0101,  1-877-433-0101

You can get a quote and  purchase this insurance contract ONLINE directly from Travel Underwriters: please, click the link below and you will be redirected to the Travel Underwriters secure website. Please choose your plan and follow the on-screen prompts.   Get a free quote and buy Online   Before purchasing the contract please read the Policy Booklet for information on the coverage provided, exclusions and conditions. If you need assistance, please Contact us.   Important Notice regarding claim procedure !  In the event of hospitalization, call OneWorld Assist immediately. The phone numbers are shown in your Policy wording and Policy declaration.   OneWorld Assist is Travel Underwriters’ emergency assistance and claims administration partner. Please visit  OneWorld Assist website. Consult the claim guideline in your Policy Wording (pg 49-50).

Emergency Medical Insurance (Single -Trip  and Multi-Trip)

Eligibility. You are eligible for coverage if:
1. You have not yet reached the age of 90 years at the time of application date of the Policy.
2. You are a Canadian resident  covered by a provincial health insurance plan for the entire trip length
3. The expenses you incur result from an acute, sudden and unexpected emergency.
4. The emergency first occurs and the medical treatment is provided outside your home province.
5. You are not traveling against a physicians advice; or
6. You have not been diagnosed with a terminal condition.

Applicants 60 years old and over have to complete the Medical questionnaire to determine rate category.

 

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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.

The most important exclusion in any Travel medical insurance policy is the Pre-existing Medical Condition exclusion:

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 follows:
●  Applicable to persons 59 years and under (on the application date)
a) On trips 35 days or less, except for conditions and/or symptoms which arose or worsened on the date of departure, or at any time within the seven days prior to the date of departure, other than a minor ailment.
b) On trips over 35 days, any condition which has remained stable in the 90 days prior to the commencement date of a covered trip.
●  Applicable to persons 60 to 74 years (on the application date)
On all trip lengths, pre-existing conditions must be stable in the 180 days prior to the commencement date of a covered trip.

●  Applicable to persons 75 to 89 years (on the application date)
On all trip lengths, pre-existing conditions must be stable in the 365 days prior to the commencement date of a covered trip.

Refer to the policy wording for the following definitions: accident and injury, alteration, medical treatment, minor ailment, pre-existing condition, sickness and stable. If you need assistance, please Contact us .

 

Non-Medical Package (Single Trip) includes the following benefits:

1) Trip Cancellation/Trip Interruption Insurance:

Sum insured prior to departure — Up to the limit of Insurance purchased
Sum insured after departure — $25,000
2) Accidental Death and Dismemberment Insurance
Maximum sum insured for Air Flight/Common Carrier Accident — $100,000
Maximum sum insured for 24-Hour Accident — $25,000
3) Baggage Insurance : Sum insured — $500

You can buy this package separately or all together with Emergency Medical Insurance.

 

All Inclusive Holiday Package is available for persons under 59 years and includes the following benefits:
1) Emergency Medical Insurance
Maximum limit —$5,000,000
2) Trip Cancellation/Trip Interruption Insurance
Sum insured prior to departure — Up to the limit of Insurance purchased
Sum insured after departure — $25,000
3) Accidental Death and Dismemberment Insurance
Maximum sum insured for Air Flight/Common Carrier Accident — $100,000
Maximum sum insured for 24-Hour Accident — $25,000
4) Baggage Insurance: Sum insured — $500

 

The following benefits can be purchased separately or additionally to Emergency medical insurance :

- Trip Cancellation&Interruption insurance or Trip Interruption only (Single Trip and Multi-Trip Annual)

- Accidental Death and Dismemberment Insurance (Single Trip and Multi-Trip Annual)

- Baggage insurance  (Single-Trip) : Maximum sum insured — $1.500 per person or $3,000 per family

 

This is a summary of the benefits.  Please refer to the Policy  Wording

 for details on the coverage provided, conditions, exclusion and claim procedure.

 

 

If you need help to complete the online application, or for the questions regarding your policy status, to make changes to your coverage, to extend the policy, or purchase this policy over-the-phone, please call Natalia at 416-493-0101  (or 1-877-443-0101) or click here to ask your question online. In the event of an emergency please call OneWorld Assist immediately, prior to receiving medical treatment or hospitalization. The phone numbers are shown in your Policy wording and Policy declaration.