COVID-19 Update: True Senior Guard and True Escape Travel Medical Insurance plans provide coverage for coronavirus (COVID-19) related emergency medical expenses, if there is NO Level 3 (Avoid non-essential travel) or Level 4 (Avoid all travel) advisory related to COVID-19 in effect at your destination before the date you leave for your trip.

To view the travel advisories, visit the Government of Canada Travel site.

THIS PLAN IS TEMPORARY UNAVAILABLE

The True Escape Travel Medical Insurance offers coverage for reasonable and customary costs incurred by you in case of an unexpected Accident or Sickness while you are travelling outside your Province/ Territory and Canada for the benefits set out in the Policy Wording.

For travelers 60 years old or less, stability period for coverage for pre-existing medical conditions is 45 days with the option to reduce it to 7 days.

For travelers 61 years of age or older, stability period is 365 days with the option to reduce it to 180 days, 90 days, 7 days to meet your insurance needs.

24/7 Emergency Assistance Services.

Summary of Benefits

Eligibility

To be eligible for this product you, at the Departure Date;

• cannot be traveling against the advice of a Physician or know of any reason to seek consultation during the Policy Period; or

• have a life expectancy of 6 months or less; or

• have been diagnosed or treated for Congestive Heart Failure in the past 12 months; or

• have used a nitro-spray within the past 6 months; or

• have been prescribed and/or used home oxygen within the past 12 months; or

• have used prednisone more than 10 days for a lung condition within the past 12 months; or

• have been prescribed and/or treated with kidney dialysis within the past 12 months.

No medical questionnaire is required to determine the cost of insurance. Limited trip duration for travelers 66+ years of age.

Single Trip Plan

Covers you for your single trip outside of your home province/territory and Canada.

This plan may only be used as a single trip for the full duration of the trip or as top up to a True Escape Annual plan.

If this policy is purchased after your departure date from your home province/territory and there is a gap in coverage, a 3-day

Travel within Canada while outside your home province/territory : no stability requirements for pre-existing medical conditions.

Multi Trip Annual Plan

Annual Multi-trip plans are only available for age up to 60. You may travel as many times as you would like during one year up to the maximum allotted trip days chosen on the application date: 4, 8, 15, 30, 60 and 180 days  per trip. 

Your trip days are calculated using the Departure Date from Canada and return to Canada. The Insured Person must meet stability requirements for pre-existing conditions prior to each Departure Date.

Travel within Canada but outside your home province/territory will be automatically provided, with no Stability requirements.

Family Plan

Family plans are available for individuals that are 60 or under with one spouse or common law spouse (also 60 or under) and dependent child(ren).

Deductible

The full amount of the Deductible selected applies on each claim event. The Deductible will be applied in USD. The deductible applies to Hospitals, Emergency Rooms, Air/Land Ambulances and any internal or external Hospital clinics. The deductible does not apply to independent clinics.

Extensions

 Your coverage can be extended as long as you do not have a claim on your file and you call in prior to the Expiry date of your existing policy.

Review by the administrator is required for all extensions. The underwriter reserves the right to deny the request for extension at any time.

Automatic Extensions

● Your coverage will be automatically extended without any additional premium for up to 5 days, upon notifying ACM, if your return Date to your home province/territory is delayed beyond the Expiry Date of this insurance due to the following reasons:

• The delayed arrival or departure of a Common Carrier

• he vehicle in which you are travelling is involved in an accident or mechanical breakdown.

• If driving, a delay due to inclement weather preventing You from returning to your home province/territory on or before your Expiry date of this insurance provided the return journey commences prior to the Expiry date of this insurance.

• Sickness or Injury for which you or your travel companion are not deemed medically Stable to return to Your Home Province/Territory in the opinion of ACM. 

● If you or your travel companion must remain Hospitalized beyond the expiry date of your policy for medical treatment, coverage will remain in force for as long as You or Your Traveling Companion remain confined to a Hospital, plus up to an additional 5 days after discharge from the Hospital.

Early Returns/Cancellations

A refund of the premium paid may be requested under the following circumstances:

-  Full refund: If your entire Trip is cancelled and refund is requested before your Policy Effective Date: 

Partial refund: If notification is made after your Policy Effective Date, your refund will be calculated based on the remaining days of coverage from the date of notification. Proof of non-departure is required.

- If, after your Departure Date, you return to your home province/territory (or Canada on your Multi Trip Annual Plan when associated with a corresponding top up policy) before your scheduled Return Date, you may request a refund of premium for the remaining days of coverage, provided no claim has been reported or initiated.

Your refund will be calculated based on the remaining number of days of coverage.  Satisfactory proof (e.g. airline ticket or customs/immigration stamps) of your Return Date should be sent within 60 days of your Return Date. Refunds of under $20 will not be made.

- For Multi-Trip Annual Plans, a refund of premium is only available before your Policy Effective Date as shown on your confirmation of benefits. The premium is non-refundable after the Policy Effective Date.

Administration fees may apply for the processing of any modification of premiums.

EXCLUSIONS

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.

Pre-Existing Medical Condition Exclusion

Benefits are not payable under this policy if losses sustained or expenses incurred are the direct or indirect result of your Pre- Existing conditions that have not been Stable within a stability period before your departure date as outlined on your Confirmation of coverage.

For 0-60 years of age: a standard stability period is 45 days  with option of a 7-day stability period at additional cost.

For 61+ years of age: a standard stability period is 365 days with options of a 180-day, 90-day and 7-day stability period at additional cost.

Stable – a medical condition (other than minor ailment) for which all the following statements are true

1. Has been no new diagnosis, Treatment or prescribed medication.

2. No test results showing a deterioration in Your condition.

3. No Hospitalization, referral to a specialist (made or recommended) or You are not awaiting test or Treatment.

4. No change in Your medical Treatment and/or change in dosage of a medication

EXCEPTIONS:

• The routine adjustment to Coumadin, Warfarin or insulin to maintain optimal levels is not considered a change.

• If You change from a brand name to a generic with the same dosage this condition will remain stable.

Stability is calculated at the departure date of your trip.

NOTE: The product-related information is for illustration purpose only. Please refer to the Policy wording for details on the coverage provided, conditions, exclusions, limitations and claim procedure.