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What coverage will you
have?
Emergency Medical Insurance (Single -Trip and Multi-Trip)
Eligibility.
1. Coverage is NOT
AVAILABLE to any individual who, on the application date, the
departure date, and the policy effective date:
a) has been
diagnosed with a terminal illness;
b) during the last 5 years, has been treated
for pancreatic cancer, liver cancer, lung cancer, metastatic cancer or two (2) or
more cancers (excluding basal cell and squamous cell skin cancer);
c) had an organ transplant (heart, lung, liver, kidney)
or a bone marrow or stem cell transplant;
d) has been diagnosed with or received treatment
for congestive heart failure or cardiomyopathy in the last 12 months;
e) in the last 12 months, has had a lung
condition for which the use of home oxygen has been prescribed;
or has been prescribed
or are taking prednisone for a period of more than 10 consecutive days;
f) has been diagnosed with or received
treatment for Stage 4 or Stage 5 chronic kidney disease or
any kidney condition requiring dialysis; or g) has been advised by a physician not to travel.
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
• Heart condition
• Lung condition
• Diabetes (excluding diet controlled)
• Stroke (CVA), Transient Ischemic attack
(TIA)
• Liver disorder
• Pancreas disorder
• Bowel/ stomach disorder
b) been diagnosed or treated for 3 or more of the medical
conditions listed in Question 3 a) above;
4. You must not have had, on the application date, a diagnosed aneurysm of 4 centimeters or more in
either length or diameter, that has not been surgically
repaired.
Important Notice: If your
health status changes prior to the effective date indicated on your Confirmation of Coverage
which makes you no longer eligible for this policy, you must notify The Destination:
Travel Group Inc. immediately and upon submission of proof of ineligibility,
will receive a full refund.
For Annual Multi-trip plans, if your health
changes after the effective date indicated on your Confirmation of Coverage,
your eligibility will not be affected but coverage for that medical condition
will be subject to your Pre-Existing conditions exclusion.
Medical Questionnaire
All
applicants have to complete the
Medical
questionnaire
to determine their rate category. You can complete the
questionnaire Online, and we email you a quote.
Single-Trip Plan
Provides coverage for a single trip from your province of residence.
This coverage can be used to top up other plans.
This policy allows you to make a temporary return to your province or
territory of residence during the period of coverage. If you receive
medical treatment during this temporary return to your province or
territory of residence, any treatment relating to that medical condition
will not be covered for the remaining period of coverage.
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.
The maximum number of days for each trip outside Canada is as shown
on your confirmation of coverage and will be counted starting the date
you exit Canada.
Trips within Canada are limited to the maximum
number of days allowed by your Government Health Insurance Plan (GHIP).
All trips must be separated by a 24 hour return to Canada.
In the event of a claim under anyAnnual Multi-Trip Plan, proof of date of
departure from Canada must be supplied.
Deductible
Deductible options $250 (standard),
$1,000; $2,000; $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 :
15% 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.
Automatic Extension of Coverage
If you or your travelling companion are hospitalized on your policy expiry date,
your coverage will automatically be extended at no additional premium for the period of
hospitalization and up to 72 hours after discharge.
If medical evidence supports that you are medically unfit to travel due
to a covered sickness or injury on or before the coverage policy expiry
date, coverage will be automatically extended for up to 5 days.
In addition, coverage will automatically be extended for 72 hours when
there is a delay of a common carrier on which you are pre-booked as a
passenger, extreme weather conditions or mechanical failure of your vehicle.
You must provide documented proof of the cause for the
delay that is satisfactory to the insurer.
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. 13) for full details.
SUMMARY OF
BENFITS
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.
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Benefit
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Details
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EMERGENCY MEDICAL EXPENSES
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Emergency Medical Services
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Care received from a physician in or out of a hospital.
If confined as a resident in-patient, this policy pays for
hospital accommodation, including private or semi-private room,
and for reasonable and customary services and supplies
necessary for your emergency care.
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Medical Appliances
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When approved in advance
by the insurer. The rental or purchase (whichever is less) of a wheelchair,
brace, crutch or other medical
appliance. |
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Diagnostic Services
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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.
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Prescription Drugs
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Limited to a 30-day supply per
prescription, unless you are hospitalized.
This benefit does
not cover drugs, serums and injectables needed to control a
chronic condition or a medical condition which you had before your trip.
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Paramedical Services
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The services of a licensed
chiropractor, osteopath, physiotherapist or podiatrist
up to $500 per profession. |
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Ambulance
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When approved in advance by Zurich Travel Assist the
use of a licensed local air, land, or sea ambulance
(including mountain or sea evacuation), to the
nearest hospital when reasonable and necessary. |
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Emergency Dental
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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. |
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Emergency Transportation
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Transportation to the nearest appropriate medical
facility or to a Canadian hospital due to a covered
emergency sickness or injury. |
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Private Duty Nurse
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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.
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EMERGENCY ASSISTANCE
SERVICES
All Emergency Assistance Services
Must be pre-approved by the Assistance Centre
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Expenses to return children under your care
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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
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Expenses to return your vehicle
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Up to $5,0000
for the return of the vehicle to your home in your
province/territory of residence or the nearest
appropriate rental agency.
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Emergency Evacuation and
Repatriation
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Air ambulance to the nearest appropriate medical
facility or to a Canadian hospital for medical
treatment;
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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.
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Return
to Original Trip Destination
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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.
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Subsistence Allowance
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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.
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Expenses Related to your Death
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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.
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Other Benefits
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Transportation of Family or Friend, Pet Return, Hospital Allowance
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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.
Excluded Medical Conditions
Benefits are not payable
for cost incurred:
● For transplants including but not limited to cornea or organ transplants or bone
marrow transplants, artificial joints, prosthetic devices or implants
including any associated charges.
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,
experimental or elective treatment such as cosmetic
surgery, chronic care, rehabilitation including any expenses for
directly or indirectly related complications.;
● 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 the operation of commercial 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.
This exclusion does not apply for any claims due to you contracting Coronavirus (COVID-19) or if your emergency or medical condition is
unrelated to the travel advisory
Please refer to the
Policy wording (pg.5) 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.
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If
you have questions about this coverage, or want to make changes
to your existing policy or to purchase the policy, please, call
at 416-493-0101, 1-877-443-0101 or click here to
ask your question online.
What to do if you need medical attention
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.
You must notify
the Assistance Centre at +1 (416) 260-4553 (collect) or
1-888-726-1839 within 24 hours of any emergency medical
treatment or as soon as medically possible. Failure to do so will
result in your being responsible for 20% of any eligible
expenses incurred unless your emergency prevents
you from calling.
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.
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. 10).
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