Dominican Republic

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Destination Travel Leisure Plan

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 Travel Leisure Insurance offers single-trip and annual multi-trip Emergency Medical plans for Canadians under 80 years old, no medical questionnare required.  This insurance provides emergency medical coverage to a maximum of $5 million CAD when you are travelling outside your province/territory of residence and Canada.  This policy can be purchased ONLINE directly from the insurance provider.   Get a Quote & Buy Online from Destination   Questions? Please call at 416-493-0101, 1-877-443-0101

What's on this page Policy Wording Eligibility Summary of Benefits Pre-existing conditions coverage Exclusions   What to do when you need medical attention

For travelers up to 59 years of age on the application date

●  Single Trip coverage cannot exceed amount of days permitted by your provincial/territorial GHIP. The Single Trip Plan can be used to top up other plans and can be purchased after departure from your home province.

●  Annual multi-trip plans are available with 4 days, 8 days, 16 days and 30 days per trip.

Travelers 60 - 79 years of age on the application date can purchase Travel Leisure Plan without medical questionnaire :

●  Single trip plan: for trips no longer than 90 days. This plan cannot top-up insurance polices with other insurance providers.

●  Annual Multi-trip plans: a 4-day, 8-day, 16-day and 30-day per trip annual multi-trip emergency medical insurance plans for unlimited number of trips during one year.

 

Eligibility(for all applicants)

To be eligible for this insurance, you must meet the following conditions on your policy effective date:

●  your are at least 15 days old and under age 80; and

●  you are covered by the Government Health Insurance Plan (GHIP) of your Canadian province or territory of residence for the entire duration of your trip; and

●  you are not travelling against the advice of a physician; or

●  have not been diagnosed with a terminal illness; or

●  have not been diagnosed with or received treatment for pancreatic cancer, liver cancer, bone cancer, or any type of cancer that has metastasized ( migrated to another organ from its original site); or

●  have not been prescribed or used home oxygen in the last 12 months; or

●  have not had a major organ transplant (heart, kidney, liver, lung), bone marrow or stem cell transplant; or

●  have not received kidney dialysis treatment in the last 12 months; or

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

 

Eligibility

(for ages 60 to 74, travelling for 31 to 90 days, and ages 75 to 79, travelling for 1 to 90 days)

In addition to the Eligibility (for all applicants), you must meet all of the following to be eligible for coverage.

During the 12 months prior to your application date, you have not been diagnosed with, received treatment for, or been prescribed medication (including aspirin) for any of the following medical conditions:

●  Heart condition including heart attack (myocardial infarction), arrhythmia, atrial fibrillation, heart murmur, irregular heart rate or beat, chest pain (angina), congestive heart failure, cardiomyopathy, congenital heart defect or any other condition relating to the heart.

●  Lung condition including chronic obstructive pulmonary disease (COPD), chronic bronchitis, chronic pneumonia, emphysema, tuberculosis, pulmonary fibrosis. It does not include seasonal allergies.

●  Cancer including all cancers with the exception of basal or squamous cell skin cancer and cancer treated only with hormone therapy.

●  Stroke, Transient Ischemic Attack (TIA), or mini stroke.

●  Diabetes including all diabetes with the exception of diet-controlled diabetes.

 

Coverage for pre-existing medical conditions

This policy does not provide benefits for losses or expenses incurred as a result of, in connection with or in any way associated with: Any pre-existing medical condition (other than a minor condition) that was not stable at any time:

-  during the 90 days prior to the policy effective date for ages under 60, and

-  within 180 days prior to the policy effective date for ages 60-79.

Stable means a medical condition is considered stable when all of the following statements are true:

1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment); and

2. there has not been any change in medication*, or any recommendation or starting of a new prescription drug, and

3. the medical condition has not become worse, and

4. there has not been any new, more frequent or more severe symptoms, and

5. there has been no hospitalization or referral to a specialist, and

6. there have not been any tests; investigation or treatment recommended, but not yet complete, nor any outstanding test results, and

7. there is no planned or pending treatment.

 All of the above conditions must be met for a medical condition to be considered stable.

 

* Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped, and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) to test your blood levels; and a change from a brand name medication to a generic brand medication of the same dosage

 

If you are eligible for this policy, you can apply ONLINE:

 

 

 

What to do when you need medical attention Have your policy confirmation with you at all times. You must notify the Assistance Centre at +1-819-742-1096 (Outside of Canada and the USA) or 1-833-532-2713 (In Canada and the USA) 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. The emergency phone numbers are shown in your policy confirmation. The Emergency Medical Assistance provides services 24 hours per day, 7 days a week.   If your claim is for out-of-pocket expenses only, for quick and easy claim submission, visit https://destinationtravelclaims.nac.zurich.com/ to submit your claim online.

 

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