
Travelance
Emergency Medical Insurance
Underwritten by Old Republic
Insurance Company of Canada
Travelance Travel insurance offers Emergency Medical
insurance and Annual Multi-trip All-inclusive package for one
trip (single-trip plans) and many trips (annual multi-trip
plans).
The Emergency Medical plan provides coverage for
up to $10,000,000 when you are travelling outside your
province/territory of residence (emergency hospital & medical,
emergency medical evacuation/return home, repatriation).
No
medical questionnaire required, but you must meet the
eligibility requirements.
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Single-trip
Emergency Medical Plans
The maximum length of a covered trip
depending on the Plan purchased is as follows:
Age |
Maximum length of the Covered Trip |
59 and under |
365 days |
60 to 69
* |
60 days |
70 to 89
* |
16 days |
*
No medical questionnaire is required
Annual Multi-trip
Emergency Medical Plans
• For ages
69 and under, 15 day or 30 day durations;
• No medical questionnaire required;
• Application
for insurance must be made prior to your
first Departure Date.
• Coverage
is provided only for the first 15 days of any Covered Trip taken
during the year if you purchased a 15
day Annual Medical Plan or for the first 30 days of any
covered trip taken during the year if
you purchased a 30 day Annual Medical
Plan.
• Cannot be
used to Top up any other coverage.
Eligibility for
Emergency Medical Insurance
All of the
following restrictions apply:
•
You must NOT have a medical
condition for which a physician has advised you against travel
prior to your effective date.
•
You must NOT have been diagnosed
with a terminal sickness prior to your effective date.
•
Anyone over 69 years of age on
the effective date must NOT reside in a retirement home, nursing
home, assisted living home, convalescent home, hospice or
rehabilitation centre that assists You daily with your mobility
or medications. Do not include a one-time temporary stay at a
rehabilitation centre of no more than 6 weeks during the 12
months prior to your departure date.
•
You must be insured under a
valid Canadian federal, provincial or territorial government
health insurance plan (GHIP). Otherwise the limit of coverage is
$25,000.
•
You must be under 90 years of
age on your departure date.
•
The policy must be purchased
prior to departure.
•
For anyone age 60 and over purchasing a single trip plan, the
effective date of this policy must be greater than 13 days from
any previous policy expiry date (topping-up
is allowed).
Coverage for pre-existing medical conditions
►
Stability Requirements
There is no coverage and no benefits will be payable for claims
resulting from Pre-Existing Conditions or related Medical Conditions that was
not rong>Stable
and Controlled during
the stability period immediately prior
to your Departure Date
or which, in the opinion of your
physician, would be expected to
require Treatment in the foreseeable future:
- Ages 59 and
under, for the 60 days prior to Your Departure Date.
- Ages
60 to 74, for the 180 days prior to Your Departure Date.
- Ages
75 and over, for the 365 days prior to Your Departure Date.
For Emergency Medical with regards to Top
Ups, “prior to Your Departure Date” is replaced with “prior to
the start date of Your Top Up coverage”
Coverage is not provided for any claims arising from:
a) a heart condition involving the taking of nitroglycerine
more than once per week for the relief of angina within the time periods listed above;
b) a lung condition treated with home oxygen or the taking of
oral steroids (prednisone or prednisolone) within the time periods listed above.
Stable and Controlled
means a medical condition where:
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 to any existing prescribed drug
(including an increase, decrease, or stoppage to prescribed dosage),
or any recommendation or starting of a new prescription drug.
If you require a routine adjustment to the dosage of your prescription for
Coumadin, Warfarin or Insulin (unless it is newly prescribed or
stopped) to ensure correct blood levels are maintained, such a
change is not considered an alteration in medication provided
the condition remains unchanged; 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.
Pre-existing medical conditions which do not meet the stability
requirements above are not covered.
►
Excluded Medical Conditions
There is no coverage and no benefit will be
payable for any claims resulting from or attributable to:
- Transplants of any kind
- Arthritis, cataracts, gout, varicose veins, corns, calluses and bunions
- Artificial joints within one year of any surgery
Please refer to the Policy wording
for details of the coverage provided, exclusions, limitations, conditions
and claim procedure.
If you do not meet
the eligibility requirements as stated in the policy,
your insurance is void and the company’s liability is limited to a
refund of the premium paid.
If you are eligible for this policy and understand
how your pre-existing medical conditions are covered, you can apply ONLINE:
What to do when you need medical attention
Have your Policy
number or Policy Confirmation with you
at all times. When on the cruise ship, seek the cruise ship’s
Physician and provide the assistance information. Otherwise,
when on land, contact the assistance
provider at the telephone numbers listed below. Access is
available 24 hours per day, 365 days per year at the numbers
listed below. If you cannot
successfully place a collect call to the Emergency Assistance
Provider as instructed below, please dial direct and submit the
charges incurred to make the call along with
your claim documents.
USA & Canada 1-800-334-7787
Elsewhere Operator Assisted Collect
905-667-0587
Direct Dial 1-905-667-0587
When contacting the
assistance provider, please provide your name, your Policy
number, your location and the nature of the Emergency.
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.28).
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Travel
Rates
1) Single Tip Emergency Medical plans :
Get Your Instant Quote ONLINE .
Savings: $250, $500, $1000, $5000, $10000 deductibles are available to reduce insurance cost.
2) Annual Emergency Medical Plans
(no deductible, rates are per year, per person)
Duration (per
trip) |
Age 0 - 49 |
Age 50-54 |
Age 55-59 |
Age 60-64 |
Age 65-69 |
15 days |
$99 |
$135 |
$156 |
$222 |
$332 |
30 days |
$150 |
$218 |
$236 |
$263 |
$371 |
Family Rates
are available |
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Savings: $250, $500, $1000, $5000, $10000 deductibles are
available to reduce insurance cost.
3) All Inclusive Annual Plans
(no deductible, rates are per year, per person)
Trip Cost |
Duration (per trip) |
Age 0-59 |
Age 60-64 |
Age 65 - 69 |
Age 70 - 74 |
Age 75 - 79 |
$1,500 |
15 days |
$271 |
$390 |
$499 |
$728 |
$918 |
30 days |
$369 |
$526 |
$684 |
- |
- |
$2,500 |
15 days |
$368 |
$489 |
$601 |
$825 |
$1,016 |
30 days |
$404 |
$611 |
$787 |
- |
- |
$5,000 |
15 days |
$500 |
$704 |
$857 |
$1,075 |
$1,363 |
30 days |
$567 |
$884 |
$1,113 |
- |
- |
Plus
Applicable Tax |
If
you have questions about this coverage or want to
purchase a policy, please, call at
1-877-443-0101, 416-493-0101,
or
click here to ask
your question online
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