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Emergency Medical Insurance

(Underwritten by Old Republic Insurance Company of Canada)


Policy Wording


Pre-existing conditions coverage

Rates : Single Trip  & Multi-trip



Travelance Travel insurance offers single-trip and annual multi-trip Emergency Medical plans as well as Annual Multi-trip All-inclusive plan.  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).


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

There is no coverage and no benefits will be payable for claims resulting from Pre-Existing Conditions or related Medical Conditions that was not 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.


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 got sick or injured

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

Dominican Republic 1-888-751-4866

Mexico 001-800-514-0409

Europe 00-800-758-75875

Australia 0011-800-758-75875

Elsewhere Operator Assisted Collect 905-667-0587

Direct Dial 1-905-667-0587

Email: assistance@oldrepublicgroup.com  

When contacting the assistance provider, please provide Your name, Your Policy number, Your location and the nature of the Emergency.


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 50-54 Age 50-54 Age 65-69
15 days $88 $121 $139 $197 $295
30 days $134 $182 $198 $234 $330
Family Rates are available        

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 $249 $357 $457 $667 $841
30 days $338 $482 $627 - -
$2,500 15 days $337 $448 $550 $756 $931
30 days $396 $599 $772 - -
$5,000 15 days $458 $645 $785 $985 $1,240
30 days $520 $810 $1,020 - -
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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