1. You are experiencing new or undiagnosed signs or symptoms of a Sickness for which they reasonably expect may require Treatment while the contract is in force, or otherwise have a reasonably foreseeable need for Treatment while the contract is in force;

2. In the 12 months prior to the effective date you have:

i. Received a diagnosis of Stage 3 or Stage 4 cancer, had cancer that has metastasized or received Treatment for pancreatic cancer or liver cancer;

ii. Received a Terminal Prognosis or Amyotrophic Lateral Sclerosis (ALS, Lou Gehrig's disease);

iii. Been prescribed home oxygen (including an oxygen concentrator) or prednisone for a Lung Condition or Heart Condition;

iv. Had Pulmonary Fibrosis, Cystic Fibrosis, or Interstitial lung disease;

v. Been diagnosed with or received Treatment for Stage IV or Stage V Kidney disease, kidney disease requiring dialysis, or Cirrhosis of the liver;

vi. Used nitroglycerine in any form (spray, patch, or pill) for a Heart Condition for the relief of angina or chest pain or had Cardiomyopathy with a Grade IV ventricle or a ventricular ejection fraction of 40% or less;

vii. Had a dilation of the aorta or an aneurysm that has not been surgically repaired;

viii. Been a resident in a long-term care facility or an assisted living facility where You were helped with any activities of daily living (bathing, eating, using a toilet, taking Medication(s) or getting into or out of a chair or bed);

ix. Been advised by any Physician that traveling on Your trip would be medically unsafe or that You should not travel on Your trip;

3. In the 3 years prior to the Effective Date, You have received Treatment for aplastic anemia, hemolytic anemia, sickle cell anemia, or anemia requiring blood transfusions or bone marrow transplants, or have received Treatment in a Hospital for anemia through iron supplements;

4. You have received Treatment for or taken Medication for Congestive Heart Failure (CHF) in the past 5 years;

5. You have undergone a bone marrow transplant, stem cell transplant or an organ transplant (except for a cornea transplant).

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). This policy can top up coverage for other travel insurance contracts.

Multi-Trip Annual Plans

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 one year. Coverage for each separate trip commences and becomes effective immediately upon your departure from your province of residence and the duration of each trip does not exceed the Coverage Period that is the number of days per trip chosen at the time of purchase this insurance).

The Coverage Period for a subsequent trip cannot begin unless the Person Insured has returned home for a period of 24 hours or longer and the contract is in force.

The Annual Multi-trip policy cannot be used to top-up coverage from another travel insurance contract.

You can consider 8, 16, 32, 62 days per trip. Proof showing the duration of the trip will be required when processing a claim.

Age must be at least 15 days old and less than 95 years old on the departure date.

Deductibles

The following deductible options are available for Single-Trip and Multi-Trip Emergency Medical Care plans: $50, $250, $500, $1,000, $2,500, $5,000, $10,000 USD.

Extension

Coverage under this contract may be extended:

• If the covered persons remains eligible for insurance;

• If the insured's health condition remains unchanged since the departure date;

• No claim is submitted or payable under the contract;

• The contract holder must request extension at least 10 days prior to the original termination date.

Automatic Extensions to Coverage

The contract will automatically be extended for the periods indicated below, without any additional premium, if, on or immediately prior to the coverage termination date:

• A Person Insured becomes Hospitalized, for the duration of the Hospitalization and up to 72 hours following the conclusion of the Emergency; or;

• A Person Insured’s scheduled commercial common carrier experiences delays due to extreme weather conditions or mechanical failures, for a period up to 72 hours following resolution of such delays

It is essential to notify Trident Global Assistance immediately of such occurrences and provide documented proof of such occurrences.

Refunds

Full refund: A full refund of the initial premium and fees paid is available if you return the contract for cancellation within 10 days after you receive it, pursuant to the “10 Day Free Look”.

Partial refund: If you have purchased a Single Trip Coverage, you may cancel the contract and receive a refund of prepaid premiums if the following conditions are met:

- The Person Insured either did not commence their trip or returned before the policy termination date;

- No claims exceeding the Deductible(s) have been filed, paid, or are pending; and

- The refund request is made before the contract termination date, and the contract has not otherwise terminated.

A $25 administration fee applies for cancellations (if not within 10 days after receiving your contract).

Refunds and cancellations are not available for Annual Multi-Trip policies.

EMERGENCY MEDICAL CARE BENEFITS & SERVICES

Key Benefits	WHAT IS COVERED?
Coverage Limits	Reasonable and customary charges, subject to a maximum of $5,000,000 (Premier plan) or $2,000,000 (Value plan). .If a Person Insured is not covered by a Government Health Insurance Plan, the maximum coverage limit they are eligible for is $200,000.
EMERGENCY MEDICAL SERVICES both in and out of Hospital, that are Medically Necessary for Emergency Treatment
Emergency Medical Expenses	▪ Care provided by a Physician; ▪ Hospital room expenses, up to the cost of semi-private rates; ▪ Diagnostic tests required for obtaining a diagnosis from a Physician; ▪ Medication(s) prescribed by a Physician for the Treatment of the Person Insured’s Sickness or Injury; ▪ Removal of stitches or a cast (up to a maximum of $300 per Emergency, provided the removal is carried out within 60 days of the date of claim submission); and ▪ The rental or purchase of medical equipment such as Hospital beds, wheelchairs, braces, crutches, or other necessary medical appliances, with the lower cost option being covered. The following procedures require the insurer's prior approval: (i) Surgical procedures; ii) Diagnostic tests such as magnetic resonance imaging (MRI), computerized axial tomography (CAT), biopsy and other diagnostic tests; and (iii) Cardiac or heart-related medical procedures, such as cardiac catheterization, coronary artery bypass surgery, coronary angioplasty, or any surgical interventions involving the heart.
Emergency Ambulance Services	(i) The cost of local ground ambulance services, and/or (ii) The cost of air ambulance services, for transportation to a medical service provider as a result of an Emergency. Approval from the Medical Director is required for transportation by air ambulance. Benefit maximum is $4,000
Emergency Dental Treatment Due to Injury to the Mouth	Dental Treatment to repair or replace intact natural teeth or permanently attached artificial teeth due to an Injury to the mouth, provided such Treatment is completed within 30 days following the Injury. Benefit maximum: $2,000.
In Hospital Private Duty Nursing	The cost of care received in a Hospital from a private registered nurse, provided the care: ((i) is a result of an Emergency; (ii) has been approved by a Physician; and (iii) has been approved in advance by the Medical Director
Emergency Paramedical Services	The cost of care received from acupuncturists, chiropractors, osteopaths, physiotherapists, or podiatrists, when referred by a Physician as a result of an Emergency. Benefit maximum: $250 per category of practitioner.
EMERGENCY ASSISTANCE SERVICES
Emergency Return Home	If it is necessary for the Person Insured’s Emergency Treatment to continue in another Hospital or return or transfer to their Canadian province or territory of residence, one or more of the following expenses as arranged or authorized by the insuer in advance, using the most cost-effective itinerary: (i) The cost of an economy class or charter fare; (ii) A stretcher fare on a commercial flight; (iii) The return economy class or charter fare for a qualified medical attendant, as well as the attendant's reasonable fees and expenses if deemed necessary by the airline; (iv) The cost of a jet or propeller-powered air ambulance; and/or (v) The extra fare for a Travel Companion to accompany You.
Expenses Related to Death	Expenses related to the preparation or transportation of their body back to their principal residence. Benefit maximum is $5,000.
Bedside Companion	If a Person Insured is traveling alone and Hospitalized for an Emergency for a period of 3 days or longer, the following expenses: (i) Economy class or charter fare for someone to be with the Person Insured; and (ii) Cost of meals and accommodation for such person. Benefit maximum is $300.
Return of Dependents	In the event a Person Insured is Hospitalized for an Emergency for a duration exceeding 24 hours: (i) the transportation costs for a Dependent to return to their original departure point, and (ii) if the airline mandates it, the transportation costs for a qualified escort to and from the Dependent’s original departure point, using the most cost-effective itinerary.
Return of Vehicle	In the event a Person Insured is unable to drive their vehicle back to their original departure point due to an Emergency, the reasonable costs for returning the vehicle back to the original departure point, provided the following conditions are met: (i) a Person Insured reports this Emergency to Trident Global Assistance within 24 hours of receiving Treatment; (ii) the vehicle is returned within 30 days from the first day of the Emergency; (iii) the vehicle is returned to the original departure point by a driver employed by a professional vehicle return company; and iv) An invoice is obtained from the professional vehicle return company for the driver’s services. Benefit maximum is $2,500.
Subsistence Allowance	In the event of an Emergency that prevents a Person Insured or Travel Companion from returning to the point of departure or requires a transfer to another location, some expenses, including meals, hotel accommodations, phone calls, and taxi fares, but excluding other forms of public transportation and internet or cellular services. Benefit maximum: $150 per day, up to a maximum of $1,500.
Return Home Due to Major Event	In the event of the occurrence of one of the following major events during the Coverage Period, reasonable transportation expenses in relation to such major event as specified below: (i) A Person Insured or a Travel Companion has been hospitalized for a minimum of 7 consecutive days and, upon discharge from the Hospital with medical evidence that the Person Insured is unable to drive back; death of a Relative in Canada; (ii) Hospitalization of a Relative for a minimum of 7 consecutive days in Canada; (iii) A disaster has rendered the Person Insured’s principal residence in Canada uninhabitable; or (iv) A disaster has made the Person Insured’s land-based residence at their Trip destination uninhabitable (including trailers and motorhomes). Some conditions apply. Benefit maximum is $3,000.

EXCLUSIONS AND LIMITATIONS

Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.

Coverage for Pre-Existing Medical Conditions (Premier Plan)

Pre-Existing Condition(s) means a medical or physical condition, symptom, illness, or disease, whether diagnosed or not, for which Treatment has been received or taken, or for which a Person Insured exhibited signs or symptoms, at any time before the Effective Date.

To qualify for coverage for Pre-Existing Conditions, a Person Insured must fully and truthfully answer the questions in the medical questionnaire in the Application including disclosing all Pre-Existing Conditions, and the Person Insured’s health must not change and must remain Stable between the Application Date and the Effective Date.

If a Person Insured’s health changes or does not remain Stable between the Application Date and the Effective Date, or if, as of the Effective Date, the Person Insured’s responses to the questions in the Application are no longer accurate or complete for any reason, you should contact your broker.

The Company may void the contract, based on misrepresentations or omissions of information material to the insurance in your or the Person Insured’s responses to the questions in the Application.

Pre-existing Medical condition Exclusion

The contract will not provide any coverage, and no payments will be issued for any expenses that result from any Pre-Existing Condition that was not Stable at any time during the 180 days immediately before the Effective Date.

STABLE means a pre-existing medical condition that has remained unchanged for several months prior to the effective date of insurance or is not deteriorating. This includes:.

(i) no alteration in signs or symptoms or the appearance of new signs or symptoms;

(ii) no reduction, increase, or discontinuation of Medication dosage or frequency;

(iii) no new Medications prescribed;

(iv) no Hospitalization or need for medical consultation (except routine examinations); and/or

(v) no prescription, receipt, or recommendation of any medical, therapeutic, or diagnostic procedure by a Physician, including investigative testing or surgery.

Please review Other Exclusions.

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

If you have questions about this insurance coverage, or need help to complete the online application, or you want to purchase a policy, please, please call at 416-493-0101 or 1-877-443-0101 or click here to ask your question Online.

What To Do in a Medical Emergency

24/7 EMERGENCY ASSISTANCE

For Medical Emergencies, Assistance and General Inquiries regarding your travel insurance, please call Trident Global Assistance at:

Canada, United States: Toll-Free 1-833-370-8777

International Collect: 416-814-7615 (from any other country)

If it is not medically possible for you to call, please have someone call on your behalf. Failure to contact Trident Global Assistance within the first 24 hours of a hospitalization or Emergency room or medical clinic visit for an Emergency may result in a reduction in benefits under the contract.

Settlement of Claims

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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 Travel insurance products from Blue Cross.