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Group Medical Services
TravelStar
® Travel Insurance

 

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.

 

Get a quote  OR  buy online from GMS

 

For assistance , please call at 416-493-0101, 1-877-443-0101

What's on This Page

Policy wording

Emergency Medical Insurance

(Single-Trip and Multi-Trip)

Key Features

Summary of Medical Coverage

Eligibility & Medical Questionnaire

(for applicants 60 years old and over)

Pre-Existing Medical Conditions

Exclusions

What to do if you need medical attention

 

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

Benefit

Detail

Maximum Liability

up to $5,000,000 CAD

Hospitalization

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.  

Medical Services

Expenses for medical treatment from a physician .

Diagnostic Services

Expenses for basic diagnostic tests. Pre-approval by GMS is required for advanced diagnostic testing.

Out-Patient Treatment

Expenses for out-patient medical treatment.

Prescription Drugs

Prescription drugs and medication prescribed by a physician. Maximum of a thirty (30) day prescription.

Private Duty Nursing

Up to maximum $5,000 per person during in-hospital care or in lieu of in-hospital care. Pre-approval by GMS is required 

Road Ambulance

Covers expenses for the use of a licensed road ambulance in the emergency situation to the nearest  hospital.

Air Ambulance

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.

Remote Evacuation

Up to maximum of $20,000 for evacuation from remote location to nearest accessible hospital.

Repatriation

Transportation to by air ambulance (excluding helicopters)or regular commom carrier to your province of residence. Pre-approval by GMS is required.

Special Attendant

One round-trip, economy class airfare for a medical attendant to accompany you back to your province of residence.

Paramedical Services

Up to $300 for the emergency services of an osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist.

Emergency Dental Services

Up to $2,000 per injury and up to $250 for the relief of dental pain.

Return of Remains

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.

Child Care

If you are hospitalized, up to $500 for licensed child care for a dependant that is traveling with you.

Out of Pocket Expenses

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.

Coverage Continuation

When you return home early because of an unexpected event, coverage will continue when you resume your trip prior to the poly expiry date.

Other Benefits

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

24-Hour Travel Assistance Services

Coordination of all medical care, transportation, and repatriation; telephone interpretation services in most languages; monitoring of progress during treatment and recovery by managed care.

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.  

 

Get a quote and buy online

 


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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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 insurance products from GMS (Group Medical Services).