Quest Travel Insurance (for travellers 55+)
(underwritten by Industrial Alliance Insurance and Financial Services Inc. and certain Lloyd's Underwriters)
What coverage will you have?
Emergency Medical Insurance (Single -Trip and Multi-Trip)
You are eligible for coverage if:
2.You are a Canadian resident, and you must be insured or eligible for benefits under the government health care plan of the province or territory in which you reside. If you are not insured under the government health care plan in the province in which you reside, the portion that would have been refunded by the provincial government health care plan is not a benefit of this Insurance.
3. The expenses you incur result from an acute, sudden and unexpected emergency.
4. The emergency first occurs and the medical treatment is provided outside your home province.
5. The length of travel out of your home province does not exceed the number of days selected at the time of application or authorized extension period.
Also, the applicants are eligible for this policy, if they must answer NO to all questions on Section 1 (Eligibility) of the Medical questionnaire.
Single-Trip Plan: Provides coverage for a single trip which starts and ends in your province of residence.
Multi-Trip Annual Plans: You will be covered for 12 months and can travel as many times as you wish during the period of coverage provided that no one trip exceeds the maximum number of days per trip as specified for at the time of application. You can choose from 9, 16, 30, 60-day multi-trip plans.
Deductible. Automatic $0 deductible; other deductible options $300, $500, $1,000, $5,000, $10,000, $50,000, $100,000 are available for premium discount. All deductibles are in US dollars.
Companion Discount. A 5% companion discount will automatically apply to the base premium when there is more than 1 person on a policy.
Emergency Medical Benefits
Pre-existing Medical Condition exclusion. The company will not provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of any pre-existing condition, except as follows:
Applicable to the Gold plan:
a) Pre-existing conditions that are STABLE in the 90 days prior to the commencement date of a covered trip.
Applicable to the Silver plan:
a) Pre-existing conditions that are STABLE in the 180 days prior to the commencement date of a covered trip.
Applicable to the Bronze plan
a) Diabetes, heart and lung conditions that are STABLE in the 365 days prior to the commencement date of a covered trip.
b) All other pre-existing conditions that are STABLE in the 180 days prior to the commencement date of a covered trip.
Pre-existing conditions that do not meet the criteria set out above are not covered, unless you have purchased the Guaranteed Stability Option or the Future Stability Option.
STABLE means the medical condition is not worsening and there has been no alteration* in any medication for the condition or its usage or dosage, nor any medical treatment prescribed or recommended by a physician or received, within the period specified in this Policy before the commencement date of a covered trip.
* Alteration includes an increase or decrease in medication dosage, usage or a change in medication type, but does not include changes in brand due solely to the availability of your usual brand or due to government regulations regarding reference-based pricing.
Guaranteed Stability Option
The company will reimburse you for eligible medical related expenses due to sickness or injury incurred as a result of a medical condition which existed prior to the commencement date of a covered trip.
This is an option to purchase coverage for a pre-existing condition that does not meet the stability requirements. Amount of coverage is up to a maximum of $150,000. This option can be purchased any time before the effective date of the policy, and with Multi-trip plan after the effective date of the policy provided insured is in home province at the time of purchase.
Future Stability Option
The company will reimburse you for eligible medical related expenses due to sickness or injury incurred as a result of a medical condition which existed prior to the commencement date of a covered trip including unstable pre-existing conditions, provided the pre-existing conditions were stable at the time of application according to the plan the applicant qualifies for. Amount of coverage is up to a maximum of $150,000.
If your pre-existing medical condition meets the stability requirements at the time of application, but you want to have coverage for this condition if it becomes unstable after the application date, you can apply for Future Stability Option.
This option has the following exclusion: Any subsequent claim of the same medical condition or related medical condition with respect to a sickness or injury which occurred during a covered trip.
Both options above have the following exclusion: the Policy does not cover conditions for which symptoms arose or for which medical consultation was required or took place on the date of departure or at any time within the seven days prior to the date of departure, other than a minor ailment.
Some other exclusions
This policy does not pay for expenses incurred directly or indirectly as a result of :
- Conditions or any related conditions for which, prior to departure, testing or investigative consultation took place, was scheduled to take place or was recommended (not including routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure. This includes tests that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.
- A medical condition for which treatment or hospitalization could have reasonably been expected.
- Treatment, services or prescriptions required for ongoing care or check-ups.
Refer to the policy wording for full list of exclusions (pg. 10-11 , 18-19). If you need assistance, please Contact us .
Cancellation/Trip Interruption Insurance
(Single Trip) is available for persons 55
years of age and have not yet reached the age
of 90 years.
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.
Revised: May 26, 2020