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Allianz Global Assistance offers a full package of travel
insurance plans.
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Emergency Medical Plan
(single-trip and multi-trip) provides coverage for emergency
treatment and services resulting from an unexpected sickness
or injury occurring during your trip, up to an overall
maximum of $10 million. No age limit.
This policy covers pre-existing medical conditions that have
been stable within 90 days before the departure date for age
under 65 and 150 days for age 65+. A medical questionnaire
is required to determine the cost of insurance for travelers
65+ years old.
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Trip Cancellation & Interruption & Trip Delay Plan
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Non-Medical Package
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Comprehensive Travel Insurance Package
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What coverage will you
have?
Emergency Medical Insurance (Single
-Trip plans and Multi-Trip Annual plans)
Eligibility
To be eligible for coverage, all of the following conditions must be met:
1. As of the effective date of your policy you must:
• be at least 15 days old, and
• be a Canadian resident and be insured for benefits
under a Canadian government health insurance plan during the entire Coverage Period, and
• not have been advised against travel by a physician
for a period of time which includes your trip, and
• not be travelling or going on your trip to receive
treatment or alternative therapy of any kind.
2. In the two (2) years prior to the effective date, you must
not have been diagnosed with or received treatment for
a terminal condition for which a physician gave you
a prognosis of eventual death or for which palliative care was or is being received.
3. If you are age 65 or older on the effective date, to be
eligible for coverage you must not require assistance with
activities of daily living including but not limited to, eating,
bathing, using the toilet, changing positions (including
getting in and out of a bed or chair), or dressing, as the result
of a medical condition or state of health.
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Applicants 65 years old and over have to complete the
Medical
questionnaire
to determine their cost of insurance.
Exclusions:
the following medical conditions are not covered:
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Pre-existing medical conditions that do not meet
your stability period.
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An unrepaired aneurysm 4 cm or greater, measured in
either length or diameter, diagnosed at any time before the effective date.
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Any heart condition if you used or were prescribed
nitroglycerin in the 90 days before the effective date.
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Any heart condition if you were diagnosed with, received
treatment for, or had an episode of congestive heart
failure in the two (2) years before the effective date.
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Any kidney condition that required dialysis in the
90 days before the effective date.
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Any lung/respiratory condition if you used or were
prescribed home oxygen or oral steroids (inhalers are
not considered oral steroids) for a lung/respiratory
condition in the 90 days before the effective date.
●
Any cancer if you had any cancer treatment (other than
for basal or squamous cell skin cancer or breast cancer
treated only with hormone therapy) in the 90 days
before the effective date.
●
Any bone marrow, stem cell, or organ transplant
(excluding skin or cornea) received or recommended in
the two (2) years before the effective date.
Important Notice:
If your medical status has
changed since you completed the application, please contact your travel
insurance representative to see how this may affect your coverage.
Single-Trip Plan
Provides Worldwide coverage for a single
trip.
This policy can be purchased after departure from your province
of residence, provided you are
in good health, you have not incurred any losses
after departure from Canada and you will continue to maintain coverage
under a government health plan for the entire trip duration.
Multi-Trip Plans
Standard Annual Multi-trip Plan provides
Worldwide coverage. You can take an unlimited number of trips
within one (1) year. 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.
Each trip taken
outside of Canada can be up to the maximum days you selected
when you purchased your Multi-Trip plan. For any trip which is
longer, you can purchase a top-up before your departure. You can consider 8, 15, 35 -day Multi-Trip
annual plans.
Annual Medical Flex
Plan. This policy providing coverage for a
specific number of travel days within a one-year period,
based on your individual travel plans. Travel days can
be used across any number of trips with no per-trip day limit,
as long as you stay within the annual
travel day limit you purchased. You will have the option
to select Worldwide coverage or Worldwide excluding travel to the USA.
Trips within Canada
are limited only to the maximum number of days allowed by your
provincial or territorial health insurance plan.
Deductible
Deductible options $0 and
$500 (25% discount) are available.
Waiting period
If you purchase your policy after you have exited your province
or territory of residence, 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.
Extension
You can apply for additional coverage after you have left
on your trip, if:
a) You purchase additional
coverage before the expiry date of your existing coverage; and
b) You have no reason to seek
medical attention during the new Coverage Period; and
c) You have no
reason to submit a claim during the new Coverage Period.
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.
Refunds
Emergency Hospital & Medical Single-trip Insurance Plans
Within 10 days of purchase:
A full premium refund will be provided when you cancel
your policy within 10 days of purchase, as long as you have
not left on your trip and have not experienced an event
that would cause you to submit a claim.
More than 10 days after purchase:
• You can request a premium refund
if you did not depart on your trip and you have not submitted a claim for review under any benefit under this policy.
• Partial refunds
for unused days if you end your trip early are available if there is no claim in the policy.
The refund will be calculated based
on the date the refund request is received by Allianz Global Assistance.
Refund amounts less than $20 will not be issued.
There will be no refund of premium if a claim has been made.
Annual Emergency Hospital & Medical Multi-trip Plans are not refundable after the effective date.
What does Emergency Hospital & Medical
Insurance for Canadians cover?
The
insurer will pay up to $10 million for reasonable and
customary costs incurred unexpectedly by an insured Canadian
resident during the period of coverage. Here are some of the benefits
Emergency Hospital & Medical Insurance you receive:
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Benefit |
Details |
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Emergency
Hospital
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Semi-private hospital
accommodation and reasonable and customary services
and supplies necessary for your emergency care during
confinement as a resident in-patient.
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Medical Services
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The
services of a legally licensed physician, surgeon, anaesthetist or registered graduate nurse.
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Diagnostic Services
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When
performed at the time of the initial emergency, lab
tests and/or X-ray examination as ordered by a physician
for the purpose of diagnosis.
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Out-Patient Treatment
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Emergency out-patient services provided by a hospital.
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Prescription Drugs
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Prescriptions required as an outpatient as a result of
your covered sickness or injury are limited to a 30 day supply.
This does not include medication available without a prescription
where treatment is received. |
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Paramedical Services
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Physiotherapist,
chiropractor, podiatrist, chiropodist services to treat your
emergency when medically necessary. Up to a maximum of $500 per profession. |
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Ambulance
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The
use of a licensed local air, land, or sea ambulance
(including mountain or sea evacuation), to the nearest
hospital when reasonable and necessary. |
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Emergency Transportation
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Transportation to the nearest appropriate medical
facility or to a Canadian hospital due to a covered
emergency sickness or injury. |
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Dental
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Up
to up to the maximum Sum Insured for emergency treatment in the case of accidental blow to
face and up to $500 for the relief of
dental pain.
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Return of Deceased
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Preparation and transportation to your permanent residence in Canada, or up to $5,000 for cremation or
burial at the place of death.
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Return to Original Trip
Destination
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If you are
returned to your province or territory of
residence under the Emergency Transportation benefit,
and the attending physician determines that the treatment
received in Canada resolved the emergency, a maximum
of $5,000 will be paid, only when pre-approved and
arranged by Allianz, for a one-way economy flight to
return you and one insured travelling
companion to the original trip destination.
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Out-of-Pocket Expenses
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Up to a maximum of $3,500 for
additional reasonable living costs, child care
costs (for travelling companions under age 18 or
physically or mentally
handicapped and reliant on you for
assistance), essential telephone calls and taxi
fares incurred by you or any insured
persons remaining with you while you are hospitalized
as an inpatient during the period of coverage.
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Trip
Break
for
Single-Trip Plans |
During
the period of coverage yon may return once to your
province or territory of residence for up to 15
consecutive days without terminating this policy. There
is no coverage under this plan in your province or
territory of residence. Refunds are not payable for any
days you spend in your province or territory of
residence during the Trip-Break. You
must meet eligibility requirements of this policy when
you exit your province of residence in order to continue
coverage. |
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Other Benefits
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Return
of Traveling Companion, Attendant, Transportation
of Family or Friend, Return of Vehicle, Return of
Cat or Dog, Identity Fraud Recovery
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24-Hour Travel Assistance Services
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Coordination of all medical care, transportation, and
repatriation; telephone interpretation services in most
languages; monitoring of progress during treatment and
recovery by managed care. |
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Automatic Extension of Coverage
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Medically unfit to travel:
If you or your travelling companion is deemed unfit to travel due to a covered
sickness or injury, your coverage will be extended until
you or your travelling companion is deemed fit to travel,
plus an additional five (5) days to travel to your province or territory of residence.
Allianz Global Assistance medical staff in consultation with the
attending physician will determine when you or your travelling
companion is deemed fit to travel..
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Exclusions and limitations.
Travel medical insurance does not cover everything. This
insurance has exclusions, conditions and limitations.
Pre-Existing Medical Condition Exclusion
Expenses that are due to, contributed by, or resulting from
pre-existing medical conditions, may qualify for coverage,
if your pre-existing medical condition meets the stability
period that applies to you.
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If you are age 64 or under, stability period for pre-existing medical conditions is
90 days immediately before the effective date.
If you are age 65 or over,
stability period is 150 days immediately before the effective date.
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To be considered
Stable during your stability period, your
pre-existing medical condition or related conditions must not
have resulted in any of the following:
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New treatment (including new prescriptions),
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Change in treatment including frequency, dosage
(increase / decrease, stopping, new) or type (including prescriptions),
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Signs or symptoms,
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A new diagnosis,
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Test results showing your condition is worsening,
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Hospitalization,
► A referral to a specialist, received or recommended, or
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Waiting for any test results, further investigation, or surgery.
The following are considered STABLE:
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Diabetic Insulin users - Routine insulin adjustment not
prescribed by your physician, as long as insulin was not
first prescribed during your stability period,
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Coumadin, Warfarin users - Routine adjustment of
these medications, as long as Coumadin or Warfarin
were not first prescribed during your stability period,
- A change from a brand name medication to a generic medication, or
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Minor Ailments - a sickness or injury that ended more than
30 days prior to your effective date and did not require:
a) treatment (including prescriptions)
for more than 30 consecutive days, or
b) more than one (1) follow-up with a physician.
Some other exclusions:
This policy does not provide coverage for any loss that
results directly or indirectly from any of the
following general exclusions
● Traveling against the advice of a physician;
● Routine pre-natal or post-natal care or elective treatment for pregnancy, including high-risk pregnancy;
● Pregnancy, childbirth or complications thereof after the 31st week of pregnancy;
● Your travel to a country, region or city with a published
formal travel advisory issued by the Canadian government or
responsible ministry or public authority, before your effective date,
advising travelers to avoid all travel, or to avoid non-essential travel,
and you have an emergency or medical condition related to the reason
for the travel warning, your claim will not be paid.
Please refer to the
Policy wording
(pg 12-13) 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.
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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 Allianz Global
Assistance at the telephone numbers shown on your Policy confirmation. When contacting
the Assistance Centre, please provide your name, your policy
number, your location and the nature of your emergency.
For 24/7 emergency assistance call Allianz Global Assistance:
Toll-free Canada/USA: 1-800-995-1662
Toll-free worldwide: 00-800-842-08420 or
Country code + 800-842-08420
If unable to contact us through the toll-free numbers,
call collect: 416-340-0049. International operator assistance
may be required, depending on where you are calling from.
It is recommended you confirm how to call Canada from
your destination prior to departure so you are prepared in the event of an emergency.
If your claim is for out-of-pocket expenses
only, it can be submitted through the secure Allianz Global
Assistance
Claims Portal:
www.allianzassistanceclaims.ca for the most efficient claims experience.
To apply for benefits under this policy, you will need to send a
completed claim form (with all original bills attached) to
Allianz Global Assistance. Consult the claim guideline on the
Policy wording (pg.15).
Important Notice regarding claim procedure !
You, or someone on your behalf, must notify
Allianz Global Assistance prior to any surgery being performed or within
24 hours of admission to a hospital. Failure to do so, without
reasonable cause, will result in the reduction of eligible
benefit amounts payable by 20%.
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