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Destination Travel Health Plans

Emergency Travel Health & Accident insurance

Underwritten by: The Manufacturers Life Insurance Company (Manulife).

Claims Administration and Assistance Services provided by: Active Care Management.

Managed by: The Destination: Travel Group Inc.


Who can apply?

To be eligible for coverage, you must:

a) be over the age of 14 days and no more than 89 years old (for single trip coverage); and

b) be insured for benefits under a Canadian government health insurance plan during the entire duration of your trip; and

c) meet all the eligibility requirements and qualify for one of the plan classifications outlined on the medical questionnaire.


This policy includes optional Reduced Stability Period coverage for pre-existing medical conditions.

For assistance and to buy a policy ,

please call at 416-493-0101,  1-877-443-0101 or ask your question online

 What's on This Page

Policy wording


  Emergency Medical Insurance

       (Single-Trip and Multi-Trip)

Eligibility & Medical Questionnaire

Key Features

Summary of Medical Coverage

Pre-Existing Medical Condition &

   Other Exclusions 

Reduced Stability Period options


  What to do if you get sick or injured


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


Coverage is NOT AVAILABLE to any individual who, as of their departure date:

1. a) has been diagnosed with a terminal illness;

b) has been diagnosed with acquired immune deficiency syndrome (AIDS) or Human Immune Deficiency Virus (HIV);

c) received treatment for pancreatic cancer, liver cancer or any type of cancer that has metastasized;

d) had an organ transplant (heart, lung, liver, kidney) or a bone marrow transplant;

e) has been diagnosed with or received treatment for congestive heart failure or cardiomyopathy in the last 24 months;

f) has had a lung condition for which the use of home oxygen has been prescribed in the last 24 months;

g) has been diagnosed with or received treatment for stage 4 or Stage 5 chronic kidney disease or any kidney condition requiring dialysis, or;

h) requires assistance with activities of daily living.

2. You must NOT have had, prior to your application date, your most recent heart surgery (if any) more than 12 years ago. Heart surgery includes coronary bypass, coronary angioplasty, valve surgery (repair or replacement), valvuloplasty, implanted pacemaker or implanted defibrillator (excluding battery change).

3. In the 12 months prior to your application date, you must NOT have:

a) been hospitalized for 24 hours or more for any of the following medical conditions:

• Artery or Vein disorder    

• Diabetes (excluding diet controlled)

• Bowel / stomach disorder

• Heart condition

• Stroke (CVA), Transient Ischemic attack (TIA)    

• Cancer (excluding basal or squamous cell skin)

• Lung condition

• Liver or Pancreas disorder cancer and breast cancer treated only with hormone therapy)

b) been diagnosed or treated for 3 or more of the medical conditions listed in Question 3 a) above;

c) been prescribed a total of 6 or more separate and distinct prescription medications (excluding aspirin and prescriptions for minor conditions) for all of the medical conditions combined as listed in Question 3 a) above;

d) been diagnosed with an aneurysm of 4 centimeters or more in either length or diameter, that has not been surgically repaired.

All applicants have to complete the Medical questionnaire to determine rate category.

Important Notice: Your continued eligibility for coverage is dependent on your health status not changing between Date of Application and your Policy Effective date. Accordingly, if your medical condition changes or if you undergo a change in medication prior to your policy Effective date, you must immediately notify the insurer.


Single-Trip Plan: Provides coverage for a single trip from your province of residence. During the period of coverage you may return once to your province or territory of residence for up to 15 consecutive days without terminating this policy.


Multi-Trip Plan: You’ll be covered for 12 months and can take an unlimited number of trips up to the trip duration you have chosen. Coverage for each separate trip commences and becomes effective immediately upon your departure from your province or territory of residence and expires when you return to your province or territory of residence.

All trips must be separated by a 24 hour return to Canada.

If you incur a claim, you will need to provide proof of departure from and return

- to your province or territory of residence, for trips within Canada; and

- Canada, for trips outside Canada.


Deductible. Deductible options $250 (standard), $2,500, 5,000, $10,000 US are available for premium discount (10%, 20%, 30%, 45% respectively).


Discounts and Surcharges.

Single trip travelling companion discount : 5% savings available for anyone with a travelling companion.

Smoker Surcharge : 10% if smoked or used tobacco products within 24 months prior to your departure date.


Waiting Period

If you purchased your policy after you have exited your province or territory of residence or after the expiry date of your existing policy, any sickness that manifests itself during the first 48-hours after the effective date is not covered even if related expenses are incurred after the 48-hour waiting period.

Extending Your Trip

If you decide to apply for additional coverage after you have left your province or territory of residence, you may apply for a new term of coverage if you:

a) make your application for extension prior to the expiry date of your policy; and

b) are in good health; and

c) have no reason to seek medical consultation during the new term of coverage.

If you have incurred a claim during your period of coverage, the insurer will review your file before deciding on granting an extension.

Each policy or term of coverage is considered a separate contract.


Refunds. Refunds for Emergency Hospital & Medical Single-trip Plans are payable when:
a) the entire trip is cancelled prior to the effective date; or
b) you return to your province or territory of residence prior to the expiry date.

There will be no refund of premium if a claim has been made.

 Multi-trip Plans are not refundable after the effective date.

Please refer to the Policy wording (pg. 5) for full details.



The insurer will pay up to $5 million CAD for reasonable and customary costs incurred unexpectedly by an insured Canadian resident during the period of coverage.




Emergency Medical Services

Care received from a physician in or out of a hospital as well as the cost of a hospital room (to a maximum of semi-private rates).

Medical Appliances

When approved in advance by the insurer. The rental or purchase (whichever is less) of a wheelchair, brace, crutch or other medical appliance.

Diagnostic Services

Laboratory tests and x-rays prescribed by the attending physician due to an emergency. Note: This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms, ultrasounds and biopsies unless such services are approved in advance by the insurer.

Prescription Drugs

Limited to a 30-day supply per prescription, unless you are hospitalized.

Paramedical Services

The services of a licensed chiropractor, osteopath, physiotherapist or podiatrist up to $500 per profession.


Local ground ambulance service to a medical service provider in an emergency.

Emergency Dental

Up to $3,000 emergency treatment in the case of accidental blow to face and up to $500 for the immediate relief of dental pain.

Emergency Transportation

Transportation to the nearest appropriate medical facility or to a Canadian hospital due to a covered emergency sickness or injury.

Private Duty Nurse

When approved in advance by the insurer, the services of a registered nurse, other than a relative, up to a maximum benefit of $5,000.


All Emergency Assistance Services Must be pre-approved by Allianz Global Assistance.

Expenses to return children under your care

Up to the cost of a one-way economy airfare to transport your children or grandchildren to their original point of departure if you are admitted to the hospital for more than 24 hours or must be medically repatriated due to an emergency

Expenses to return your vehicle

Up to $5,000 for the return of the vehicle to your home in your province/territory of residence or the nearest appropriate rental agency.

Emergency Evacuation and Repatriation

-  Air ambulance to the nearest appropriate medical facility or to a Canadian hospital for medical treatment;

- Transport on a licensed airline with an attendant (when required) for emergency return to your province/territory of residence for immediate medical attention;

-  The fare for additional airline seats to accommodate a stretcher on a commercial flight;

-  When required, the return economy class/charter fare of a qualified medical attendant and the attendant’s reasonable fees and expenses;

- Up to the cost of a one-way economy airfare to return your travel companion to your province/territory of residence;

-  Up to $5,000 for search and rescue should you be stranded in a mountainous area, the sea or other similar location.

Return to Original Trip Destination

Up to a maximum of $2,500 for a one-way economy flight to return you and one insured travel companion to your original trip destination, if you are returned to your province/territory of residence under the Emergency Evacuation and Repatriation benefit, and the attending physician determines that the treatment received in Canada resolved the emergency. The return must occur during the original period of coverage.

Subsistence Allowance

If an emergency prevents you or your travel companion from returning to your province/territory of residence as originally planned or if your emergency medical treatment or that of your travel companion requires your transfer to a location that is different from your original destination, we will reimburse expenses for meals, hotel, phone calls and taxis, up to $150 per day to a maximum of $1,500.

Expenses Related to your Death

Reimbursement of your estate for the transportation costs to return your body home to your province/territory of residence (using customary airline procedures), plus:

- up to $10,000 for the preparation of your body and the cost of the transportation container; or

- up to $ 4,000 to cremate your body at the place of death;

- up to $10,000 for the preparation of your body and for your burial at the place of death; and

- up to $1,000 for the cost of a one-way economy airfare to return your travel companion to your province/territory of residence.

Other Benefits

Bedside Companion Travel and Subsistence, Pet Return, Identity Fraud Recovery, Hospital Allowance

Automatic Extension of Coverage

Coverage will be automatically extended during the period of hospitalization, plus 72 hours after release to travel home, if you are hospitalized at the end of your trip as a result of a covered injury or sickness.

This is a summary of the benefits. Please read the Policy wording before purchasing the policy for more details on the coverage provided, conditions, exclusions and claim procedure. 


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 Coverage

Please click on Pre-Existing Medical Condition  for details on this exclusion. Depending on your answers on the medical questionnaire, you may qualify for one of four  plans, which have different  automatic stability periods for pre-existing medical conditions.  Depending on the plan, benefits are not payable for costs incurred due to or resulting from your medical condition or related condition, other than a minor ailment that was not stable at any time during the 90, 180, or 365 days immediately before the effective date.


Reduced Stability Period Option

If you selected the Reduced Stability Period Option, coverage is limited to $150,000 for eligible expenses incurred due to or resulting from your medical condition or related condition, other than a minor condition, that was stable for more than 30, or 90, or 180 days (depending on the plan you qualify for) but less than an automatic stability period for this this plan. You can complete the Destination medical questionnaire, calculate your points and see what stability periods are available for you.


Some other exclusions:

Benefits are not payable for cost incurred:

- Due to traveling against the advice of a physician or notice of a terminal illness has been given;

- For ongoing or follow-up treatment, rehabilitative care, or the recurrence of a medical condition or related condition once the emergency is declared over by the attending physician;

- Due to any  medical treatment that is non-emergency, elective or the consequence of a prior elective procedure;

- Resulting from a motor vehicle accident where you are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance except when such benefits are exhausted;

- Due  to your engagement in manual labour for wages or profit including the operation of transport vehicles; performing employment duties on any aircraft or ship; performing duties in any regular armed forces service;

- For any loss incurred in a city, region, or country when, prior to the effective date, the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning to avoid all travel, or to avoid non-essential travel, to that city, region, or country.

Please refer to the Policy wording (pg.3)  for a full list of exclusions.

NOTE: The product-related information is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please refer to the policy wording.


If you have questions about this coverage, or want to make changes to your existing policy or to purchase the policy, please, call Natalia at 416-493-0101, 1-877-443-0101 or click here to ask your question online.


What to do if you get sick or injured.

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, please contact the Assistance Centre at the telephone numbers shown on your Letter of confirmation and the Policy wording (pg.1).  When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.

To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to the insurer. Consult the claim guideline on the Policy wording (pg. 7).  


Important Notice regarding claim procedure !

You must notify the Assistance Centre at +1(519) 945-1068 (collect) or 1-833-886-1068 within 24 hours of any emergency medical treatment. Failure to do so will result in your being responsible for 20% of any eligible expenses incurred unless your emergency prevents you from calling. You must call as soon as medically possible or have someone call on your behalf. If you or someone on your behalf does not call the Assistance Centre prior to the arrangement of an Emergency Assistance Service (as stated in Part 3 - Benefits), no benefit is payable.

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Revised: March 05, 2020