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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 covers the reasonable and customary expenses for medical emergencies, up to a maximum of CAD $5 million, while you are travelling outside your province or territory of residence and outside Canada.  Single-trip and Annual multi-trip  plans are available for Canadians under 80 years old, no medical questionnaire required. This policy can be purchased ONLINE directly from the insurance provider.    Let's visit Destination website for a Quick Quote or Buy Online     What coverage will you have? Travel Plans Available 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. ●  Annual multi-trip plans available with coverage for 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: 4-day, 8-day, 16-day and 30-day coverage per trip

What's on this page Policy Wording Key Features Summary of Benefits Pre-existing conditions coverage Exclusions What to Do in a Medical Emergency   Questions? Please call at 416-493-0101, 1-877-443-0101

 

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.

 

Single Trip Plan 

Provides coverage between your departure date from your province of residence and the date when you return to your home province (including departure and return dates). Depending on your travel destination, you can purchase insurance that provides Worldwide including USA coverage or Worldwide excluding USA coverage with lower rates (a 3 day layover in USA is permitted).

Destination: Leisure Plan policies cannot be used to top up other insurance providers’ plans. This plan can be used only to top up Destination Leisure Annual Multi-Trip plan (before departure) or extend an existing valid Destination: Leisure plan (after departure).

Single Trip Temporary Return Home

If you return to your province or territory of residence temporarily during your period of coverage, your policy will not terminate, but: 

●  There is no coverage when you are in your province or territory of residence.

●  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.

●  If you are still within your period of coverage and choose to continue your trip, you must meet the eligibility requirements of this policy when you exit your province or territory of residence to continue your coverage.

 

Annual Multi - Trip Plan 

If you take two or more trips each year, you can purchase a Multi-trip annual plan for an unlimited number of trips taken during 365 day. Each trip taken outside Canada can be up to the maximum days you selected when you purchased your Multi-trip plan. Select coverage for 4, 8, 16, 30 days per trip outside of Canada.

When travel is within Canada but outside of your province or territory of residence, coverage is automatically provided beyond the maximum number of days for each trip option that was selected and that appears in your confirmation of coverage.

Destination: Leisure Plan policies cannot be used to top up other insurance providers’ plans.

All trips made under the Annual Multi-Trip Plan must be separated by a minimum of a 24 hour return to Canada. In the event of a claim under any Annual Multi-Trip Plan, proof of the date you exit Canada must be provided.

 

Extending Your Trip

If you decide to apply for additional coverage after you have left your province of residence but before the expiry of your existing Destination Travel Leisure policy, a new policy will be issued. You may apply for a new term of coverage if you:

a) Are in good health; and

b) Have no reason to seek medical treatment or medical consultation during your new period of coverage.

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

 

Automatic Extension of Coverage

1. Delay in conveyance: This coverage shall be automatically extended for up to 72 hours in the event of a delay, during the period of coverage, beyond your control of the conveyance in which you are riding or are scheduled to ride as a passenger. The delay must occur prior to the expiry date. Conveyance means an airline, train, bus, vehicle, or ferry.

2. Medically unfit to travel: If medical evidence supports that you are medically unfit to travel due to a covered sickness or injury on or before the coverage expiry date, coverage will be automatically extended for up to 5 days.

3. Hospitalization: If you are hospitalized at the end of the period of coverage, as a result of a covered sickness or injury, coverage will be extended for you and one insured travelling companion remaining with you, when reasonable and necessary, during the period of hospital confinement, plus 72 hours after release to travel home.

 

Premium Refunds

Premium refunds are only considered when:

a) the entire trip is cancelled prior to the effective date;

b) you return to your province/territory of residence prior to the expiry date: confirmation of your early return to your province/territory of residence such as a boarding pass is required;

c) you cancel your annual multi-trip plan prior to the effective date.

Refunds will be subject to a $25 administration fee, and a minimum refund of $15.

Under no condition will a refund be made if a claim has been incurred, paid, or is pending.

Once a Destination: Leisure Annual Multi-Trip Plan is effective, no refund will be given.

 

Summary of Benefits

Coverage Amount	$5,000,000 CAD maximum per insured, per trip
Emergency Hospital	Semi-private hospital accommodation and for reasonable and customary services, supplies, drugs and medication.
Emergency Medical	Emergency services that provided by a legally licensed physician, surgeon, or anesthetist Up to $5,000 for private duty services of a Registered Nurse when approved in advance by Zurich Assistance. Physiotherapist, chiropractor, chiropodist, osteopath, podiatrist when ordered by the attending physician up to $350 per practitioner for out-patient treatment Lab tests and/or x-ray examination as ordered by a physician for diagnosis. Note: This policy does not cover magnetic resonance imaging (MRI), cardiac catheterization, computerized axial tomography (CAT) scans, sonograms, ultrasounds and biopsies unless approved in advance by Zurich Assistance. Use of a licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital, when approved and arranged by Zurich Assistance. Emergency outpatient services provided by a hospital. Drugs and/or medications, prescribed by a physician on an outpatient basis up to 30-day supply per prescription and up to $1,000 per policy.
Emergency Transportation	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) to 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 travelling companion; Up to $5,000 for search and rescue should you be stranded in a mountainous area, the sea, a remote area or other similar location. Any emergency transportation such as air ambulance, one-way economy airfare, stretcher and/or a medical attendant must be approved and arranged by Zurich Assistance.
Dental	Accidental Dental: up to $3,000 for emergency treatment or services to whole or sound natural teeth caused by an accidental direct blow to the face. Dental Emergencies: up to $500 for the immediate relief of acute dental pain caused by a dental emergency other than a direct blow to the face.
Emergency Return Home	If a covered sickness or injury requires you to be returned home during the period of coverage, up to $3,000 for the additional cost of a one-way economy transportation by the most direct route to your province or territory of residence when approved and arranged by Zurich Assistance. This benefit also includes one insured family member.
Expenses related to Death	Up to $5,000 for the preparation of body and cost of transportation container, up to $2,000 for cremation at the place of death and up to $5,000 for preparation of body and burial at place of death
Expenses to return children under your care	Must be pre-approved by Zurich Assistance
Expenses to return your vehicle	Up to $2,500
Return to Original Trip Destination	When pre-approved and arranged by Zurich Assistance
Subsistence Allowance	Up to $150 per day to a maximum of $1,500 when an emergency prevents you from returning to home province or when the emergency requires a change in destination
Transportation of Family or Friend	When approved by Zurich Assistance, roundtrip economy airfare and up to $150 per day to a maximum of $1,500 for a person of your choice to be by your bedside when hospitalized
Pet Return	Up to $300
Hospital Allowance	Up to $50 per day to a maximum of $250

 

 

Coverage for pre-existing medical conditions

Pre-existing medical condition means any sickness, injury, or medical condition whether or not diagnosed by a physician:

a) for which you exhibited signs or symptoms; or

b) for which you required or received medical consultation; or

c) which existed prior to the effective date of your coverage.

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 effective date of your coverage or departure date for ages under 60, and

-  within 180 days prior to the effective date your coverage or departure date for ages 60-79.

If this policy is a top-up to your Destination: Leisure Annual Multi-Trip Plan, the departure date will be considered for the stable period of your pre-existing medical conditions.

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 type, dosage, or frequency is reduced, increased, stopped, and/or new medications are prescribed.

Exceptions: the regular blood tests that result in routine adjustments of Coumadin, warfarin, or insulin as long as these medications are not newly prescribed or stopped; or changing from a brand name medication to the same dose of a generic medication.

 

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.   The fastest way to claim eligible medical expenses for which you have paid out-of-pocket is to submit your receipts through the secure Zurich Assistance claims portal at: www.globalexcel.com/zurichcanada .

 

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.