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Destination Travel Medical Insurance Plans

Underwritten by Zurich Insurance Company Ltd (Canadian Branch)

Claims Administration and Assistance Services provided by Zurich Travel Assist

Managed by The Destination Travel Group Inc.

 

 

Destination Snowbird Plan

 

 

Destination Snowbird Plan will pay up to a policy maximum of $5,000,000 CAD for eligible expenses as a result of your injury or sickness that may happen unexpectedly during your trip. Hospitalization, out-patient services, prescription drugs, emergency transportation and other benefits are covered under this policy.

Reduced stability period options are available to cover pre-existing medical conditions, which do not meet the standard stability requirements.

Unlike many other travel insurance plans, this policy can be purchased after departure from home province.

 

Get a Quote or Buy Online from Destination

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.

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 need medical attention

 Questions? - please call at

416-493-0101,  1-877-443-0101 or

Ask your question online


 

 

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. 

Benefit

Details

EMERGENCY MEDICAL EXPENSES

Emergency Medical Services

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.

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.

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.

Paramedical Services

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

Ambulance

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.

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.

EMERGENCY ASSISTANCE SERVICES

All Emergency Assistance Services Must be pre-approved by the Assistance Centre

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 $5,0000 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

Transportation of Family or Friend, Pet Return, Hospital Allowance

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.

 

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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This website is owned and operated by Natalia Tatchkova, a member of the Financial Advisors Association of Canada, a life & health insurance broker licensed in ON, AB, BC, MB, NB, NS, NL, PE, SK and authorized to offer and sell insurance products from Destination: Travel Group Inc.