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Group Medical Services
TravelStar®
Travel Insurance
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TravelStar Travel insurance
offers Emergency
Medical insurance with coverage for stable pre-existing medical
conditions and Trip Cancellation
&
Interruption insurance.
Save 10% on trip cancellation insurance
when you bundle it with emergency medical. 5% companion discount for two family members
traveling together.
Get a quote or buy Travel insurance online directly from Group Medical Services:
please, click the link below and follow the on-screen prompts.
For assistance , please
call at 416-493-0101, 1-877-443-0101
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What coverage you will get
Emergency Medical Insurance
Eligibility
You are NOT eligible
for coverage if you:
1) are awaiting tests or medical treatment
for a heart condition;
2) have a surgically untreated vascular
aneurism;
3) have been diagnosed with Congestive Heart
Failure (CHF);
4) have an Implantable Cardioverter
Defibrillator (ICD);
5) were diagnosed, received new medical
treatment (e.g. consultation, tests or prescription drugs); or
had a change in your medical treatment (e.g. stop, start
or dosage change to a prescription drug, other than a dosage
change of Coumadin or Warfarin) for , any of the following heart
and vascular conditions in the last twelve (12) months:
a. heart transplant;
b. atrial flutter;
c. atrial/venticular
fibrillation;
d. peripheral vascular disease;
e. stroke/TIA; or
f. blood clots.
6) have diabetes that is
treated with insulin AND take prescription medication for a
heart condition (excluding medication to treat high cholesterol
or high blood pressure);
7) use home oxygen or take
oral steroids to treat a lung condition;
8) are currently being
treated for cancer, excluding breast or prostate cancer treated
exclusively with hormone therapy;
9) were diagnosed, received
a new medical treatment (e.g. consultation, tests or
prescription drugs); or had a change in your medical treatment
(e.g. stop, start or dosage change to a prescription drug)
for , any of the following conditions in the last twelve (12) months:
a. liver failure;
b. GI bleed;
c. AIDs; or
d. terminal illness.
10. have had any of the
following procedures in the last twelve (12) months;
a. valve surgery or
replacement;
b. kidney dialysis;
c. organ, stem, cell or bone
marrow transplant;
11. require assistance from
another person (s) with activities of daily living (ADL) if your
are seventy (70) years of age or older;
12. are not a Canadian
residents; and
13. have not purchased prior to
departing on your trip, unless purchased as a top-up to an existing GMS policy.
If you are 16 years of age or older and have used tobacco or
tobacco products in the last 24 months, a 15% smoking surcharge
applies.
The GMS Travel Medical Questionnaire must be completed to determine the cost of
insurance for travelers 60+ year of age.
Single Trip Daily Emergency
Medical
TravelStar® Daily protects you in the event of medical
emergencies when you’re traveling out of province or out of
Canada. It provides up to $5 million coverage for emergency
benefits.
Adults purchasing Single-Trip Emergency Medical Travel Insurance may
include up to six dependent children under the age of 16 to their plan for free.
Travel for short and long-term
trips, no age restrictions, and 24-hour worldwide travel assistance.
You may choose a Single-Trip Plan to top-up a Multi-Trip Annual Plan or other limited
travel insurance when additional days are needed to cover your trip. A top-up is a new
GMS policy which is subject to the terms, conditions, exclusions and limitations of the
TravelStar policy wording.
Multi-Trip Annual Travel Emergency Medical
The Multi-Trip
Annual Travel plan provides emergency medical coverage for
travel outside your province or outside Canada for trips under
15 and 30 days.
Buy it once and take as many trips as you want in a
year.
You’ll be covered for 12 months and can take an unlimited
number of trips up to the trip duration you have chosen.
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. For any trip which is longer, you can
purchase a top-up before your departure.
To purchase the Multi-Trip Annual Travel Plan, you must be
age seventy-nine (79) or less at the effective date.
NOTE:
This policy does not covered any expenses for work related accidents
Deductibles
Single trip plan: Automatic
$250 deductible; $0 deductible is available for 10%
surcharge.
Deductible $1,000 - 10% discount, deductible $5,000 - 20%
discount. $0 deductible is not
available for trips over 180 days.
Multi trip plan: Automatic $0 deductible; $250 deductible is available for 10%
discount. Deductible $1,000 - 20% discount, deductible $5,000 -
30%
discount.
Requesting a Refund
● Prior to your effective date, you are eligible for a full refund.
● After your effective date, a partial refund is available for unused days
upon return to yourprovince/territory of residence
except if:
a. the insured person requesting the refund has incurred a claim under the policy; or
b. if a family rate was applied, any person covered under the plan has incurred a claim.
Written notice with supporting documentation is required within 30 days of your early
return to your province/territory of residence.
Extension
You may purchase additional days while outside of your province/territory of residence to
extend your Single-Trip Plan if you:
● requested extension prior to the expiry date of your policy; and
● have not incurred a claim or required medical treatment during your trip.
Automatic Coverage Extension
Your Single-Trip Plan will automatically be extended up to 72 hours if the return to your
province/territory of residence is delayed beyond the expiry date of the policy due to any of
the following:
● You are delayed due to your or your
travelling companion’s medical emergency.
Written confirmation from the attending
physician is required to verify that you or your
travelling companion are medically unfit to
travel.
The 72 hour extension will begin
once you have been deemed medically fit to travel or are discharged from the
hospital.
In-hospital care during the medical emergency
continues to be covered by your policy until
discharged from the hospital.
● A delay of a common carrier you are travelling on causes you to miss your return date to
your province/territory of residence.
● The vehicle you are travelling in:
a. is involved in an accident;
b. has a mechanical breakdown; or
c. is delayed by a police-directed road closure.
Emergency Medical
Benefits
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Benefit
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Detail
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Maximum Liability
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up to $5,000,000 CAD
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Hospitalization
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Hospital accommodations up to semi-private rooms and
hospital services and supplies necessary for emergency
care during hospitalization; hospital services and supplies;
medical treatment while in-hospital.
One follow-up visit related to the covered emergency is covered.
The follow-up visit must occur within 14 days of discharge.
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Medical Services
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Expenses for medical treatment from a physician .
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Diagnostic Services
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Expenses for basic diagnostic tests.
Pre-approval by GMS is required for advanced diagnostic
testing.
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Out-Patient Treatment
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Expenses for out-patient medical treatment.
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Prescription Drugs
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Prescription drugs and medication prescribed by a
physician. Maximum of a thirty (30) day prescription.
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Private Duty Nursing
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Up
to maximum $5,000 per person during in-hospital care or
in lieu of in-hospital care. Pre-approval by GMS is
required
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Road Ambulance
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Covers expenses for the use of a licensed road ambulance
in the emergency situation to the nearest hospital.
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Air Ambulance
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Expenses up to a maximum of $20,000 for the use of a helicopter air ambulance
in a medical emergency involving life threatening circumstances.
Pre-approval by GMS is required.
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Remote Evacuation
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Up
to maximum of $20,000 for evacuation from remote location
to nearest accessible hospital.
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Repatriation
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Transportation to by air ambulance
(excluding helicopters)or regular commom carrier to your
province of residence. Pre-approval by GMS is required.
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Special Attendant
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One
round-trip, economy class airfare for a medical
attendant to accompany you back to your province of
residence.
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Paramedical Services
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Up
to $300 for the emergency services of an osteopath,
physiotherapist, chiropractor, chiropodist, and/or
podiatrist.
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Emergency Dental Services
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Up
to $2,000 per injury and up to $250 for the relief of
dental pain.
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Return of Remains
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Preparation and transportation to your country of
origin, destination in Canada up to $7,000, or the cost of cremation
or burial at the place of death - up to $3,000.
Pre-approval by GMS is required.
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Child Care
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If
you are hospitalized, up to $500 for licensed child
care for a dependant that is traveling with you.
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Out of Pocket Expenses
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Accommodations, meals, phone calls and taxi or bus fares
incurred by an accompanying family member in the event
hospitalization continues after the policy expiry date,
up to $1,000.
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Coverage Continuation
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When you return home early because of
an unexpected event, coverage will continue when you
resume your trip prior to the poly expiry date.
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Other Benefits
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Return of
Family Member,
Family to Bedside,
Family Member Transportation to identify remains, Return of Vehicle,
Return of Cat or Dog,
Escort of Insured Children
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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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This is a summary of the benefits. Please
read the
Policy
wording
before purchasing the policy for more details on the coverage
provided, conditions, exclusions and claim procedure.
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.
A Pre-Existing Medical Condition
exclusion may apply to a medical condition
and/or symptoms that existed prior to your
trip.
This policy
pays for emergency medical expenses relating to pre-existing
medical conditions which have been STABLE in 180 days before the
effective date of the policy.
Please
Click here
for more information.
Other
Exclusions
NOTE: The product
related information is for illustration purpose only. Please refer to the
Policy wording
for details on the coverage
provided, conditions, exclusion and claim procedure.
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If
you have questions, need help to complete the online
application, or want to purchase a policy please call
at
416-493-0101 (or 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,
you, or someone on your behalf, must
contact GMS assistance centre prior to treatment whenever
possible.
You can find GMS Assistance Centre phone numbers
in your confirmation of coverage in Section "IMPORTANT
INFORMATION". When contacting the Assistance Centre,
please provide your name, your policy number, your location and
the nature of your emergency.
For medical emergencies, GMS Travel Assistance is available 24 hours a day, 7 days a week.
toll-free 1.800.459.6604 (within Canada & USA)
collect 905.762.5196 (from all other locations)
In the event of a medical emergency GMS provides travel assistance.
Regardless of your plan’s deductible level, failure to contact GMS
at the time of an emergency may limit benefits to the lesser
of 70% of reasonable and customary expenses or $50,000.
Please refer to the Managing a Medical Emergency
section of this policy for more information.
To apply for benefits under this policy, you
will need to send a completed claim form (with all original
bills attached) to GMS. Consult the claim guideline in your
Policy wording.
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