True Senior Guard Travel Insurance Plan

Underwritten by LS-Travel Insurance Company

COVID-19 : True Senior Guard 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.

Eligibility

You are not eligible for this insurance if, at the Departure Date:

- Are 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 at the Departure Date.

Travelers 60+ year of age have to complete the medical questionnaire to determine the cost of their insurance.

Single Trip Plan

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

This plan can also be used as a top up to another plan.

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

After Departure

If this policy is purchased after your departure date from your home province/territory, a 3-day Benefit Waiting Period for illnesses (effective date + 48 hours) would apply. The Waiting Period is waived if there is no gap in coverage between an existing  policy and a new True Senior Guard policy.

In any case, the policy purchased after departure will not cover any medical Treatment, recurrence or complications related directly or indirectly to a Sickness or Injury which was diagnosed or for which symptoms first occurred, or medical Treatment was received after the Departure Date but prior to the Policy Effective Date of this insurance.

Multi Trip Annual Plan

You may travel as many times as you would like during one year up to the maximum allotted trip days chosen. You can choose from 4-day, 16-day, 31-day and 61-day annual plans.

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.

The Multi Trip Annual Plan must be purchased while You are in Your home province.

Family Plan

Family plans are available for individuals that are 59 or under with one spouse or common law spouse (also 59 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 this insurance

- You do not exceed the maximum number of days allowed by the plan

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 LS, 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

-  The 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 LS.

Note: 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. Refunds of under $20 will not be made. Satisfactory proof (e.g. airline ticket or customs/immigration stamps) of your Return Date to your Home Province/ Territory (or Canada on your Multi Trip Annual Plan when associated with a corresponding top up policy) should be sent within 60 days of your Return Date.

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.

Trip Break

On a single trip or top up policy you can temporarily return to Your Home Province/Territory for a maximum of 15 days without impacting your coverage. During your Trip Break the following conditions would apply:

• No benefits will be provided by the policy while in your Home Province/Territory

• Your new departure will be considered the Departure Date in accordance to the policy. Requirements such as but not limited to meeting eligibility will be required.

• Stability will be calculated based on your new Departure date, any and all Exclusions/Limitations would apply

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 0-59 years of age: a standard stability period is 45 days  with option of a 7-day stability period at additional cost.

For 60+ 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.

Other Exclusions

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.