What coverage will you
To be eligible for Emergency Medical coverage,
you must, as of the date you apply for coverage and the
be a resident
of Canada and covered under a government health insurance plan for
the entire duration of your trip;
be at least
thirty (30) days of age;
not have been
advised by a physician to avoid travel at this time;
not have a
terminal illness for which a physician has estimated you have less
than six (6) months to live;
metastatic cancer (cancer that has spread from the original site to
another place in your body);
not have been
prescribed or used home oxygen in the last twelve (12) months; and
never have had
bone marrow, stem cell or organ transplant
(except corneal transplant).
You can also buy Canada Emergency Medical Plan,
which provides emergency medical
benefits at half the premium when all travel is within Canada
only (outside your province of residence).
Trip break: You may return to your province of
residence to attend special events without terminating your
coverage. There will be no refund of premium for any of the days
during your return home. Coverage is not in effect during the
time you are at home.
Annual Plans: Multi-Trip plans
provide emergency medical coverage for an unlimited number of trips taken within
one (1) year, commencing with the effective date as shown on
Coverage for each separate trip commences and becomes effective
immediately upon your departure from Canada
(or your province of residence) and
ends when you return to
Canada (or your province of residence) .
Each trip taken outside Canada
be up to the maximum days you selected when you purchased your
for 4, 10, 18,
60 days per trip outside of Canada.
you need extra coverage days, you can purchase Top-Up coverage
for trips that are longer than the maximum trip length of your
This plan provides emergency medical coverage for unlimited
travel within Canada but outside your province of residence.
In the event of a
claim, you will be required to provide proof of your departure
date and your return date. Proof can include your plane ticket,
train ticket, a stamped passport, and/or credit card or bank
statement showing purchases in Canada just prior to your
plans (multi-trip and single-trip) ,
Cancellation & Trip Interruption for single trips,
so you can make the choice that's best for you.
include Emergency Medical, Trip
Cancellation & Trip Interruption, Baggage Loss, Damage and
Delay, and Flight and Travel Accident.
age on the application date. No maximum age limit.
Savings and Deductibles
50% Travel Canada
When purchasing a Single-Trip Emergency Medical
and all the travel is within Canada.
5% Travel Companion
Savings for Any
Emergency Medical Plan.
for Any Emergency
Medical Plan: Available for spouse and
their dependent children or grandchildren when all family members are
under age 60. The rate is calculated at 2 X the
oldest member's premium
Deductible Savings Options
All published rates include a zero deductible. The following
deductible options are available for Single-Trip and Multi-Trip
Emergency Medical plans only:
* $CAD per insured per
Deductible savings options
are not applicable to the Travel Canada plan and All-Inclusive
may cancel your policy prior to your departure date (your
effective date if you have purchased a Multi-Trip Emergency
If you return home early, you may request a
refund of premium (minimum $25) for the unused coverage days of your trip
providing there has been or will be no claim reported or initiated,
that you have not been provided with any assistance services.
You will have to
send to the company your written request with proof of the
date you actually returned home.
Refunds and cancellations are not
available on the Trip Cancellation
& Interruption, All-Inclusive and Multi-Trip plans.
If you are already on your trip and need to apply for an
extension of your coverage, before
the expiry date of your existing coverage. You may be able to extend your coverage, as
the total length of your trip, including
the extension, does not exceed the maximum
allowed by your government health insurance plan (180-212 days
depending on your province of residence);
you pay the additional premium
(minimum $25); and
there has been no event that has
resulted or may result in a claim against the policy and there
has been no change in your health status.
medical coverage is provided beyond your policy
expiry date at no
additional premium :
72 hours days in the event your common carrier
or vehicle is delayed;
If you or your travel companion are
hospitalised on the expiry date, for the remaining period of your hospital confinement
(up to a maximum of 365 days) plus
5 days after discharge from the hospital; or,
5 days if you
your travel companion are unable to travel on your scheduled return date but you are not hospitalized.
Emergency Medical Benefits
Insurance covers you for up to $10,000,000 of covered
expenses incurred by you as a result of medical attention
required by you during your trip if a medical emergency begins
unexpectedly after you leave home:
Up to $10
Emergency medical treatment
Reasonable and customary charges for medical care
received from a physician in or out of a hospital;
cost of a semi-private hospital room (or an intensive or
coronary care unit where medically necessary);
services of a licensed private duty nurse while you are
The rental or purchase (whichever is less)
of a hospital bed, wheelchair, brace, crutch or other
that are needed to diagnose or
find out more about your condition;
prescribed and are available only by
prescription from a physician or
Coverage for professional medical services due to
covered risk, up to
$70 per visit
for a covered injury
Reasonable and customary charges for
local licensed ambulance to
transport you to the nearest
appropriate medical service provider
in an emergency
Emergency dental treatment
Up to $300 for the relief of dental
pain ; and/or
Accidental blow to mouth - up
to $3,000 to repair or replace
Return home to your province of
without terminating coverage.
I you experience any change in
your health during the Trip Break,
you must notify
the Assistance Centre
prior to leaving your province of
residence for confirmation of
allowances, Phone call expenses, Pet
The following benefits
must be pre-approved and arranged by
the Assistance Centre
Expenses related to death
Up to $5,000
Up to $10,000 for burial at place of
If recommended by attending physician;
including air ambulance
transportation if this is medically
Visit to bedside
the insured is
and hospitalised for 3 days or more
because of a medical emergency, the
company will pay the economy class
airfare for someone to be with you.
Return of children in the care of
the insured is
and hospitalised for more than 24
hours or must return home
because of an emergency, the company
will pay for extra cost of one-way
economy class airfare to return the
children home. the children must be
covered under a policy underwritten
Additional expenses for meals,
Reimbursement of up to $200 per day
to maximum of $2,000 for extra
meals, hotel, and taxi fare, if a
medical emergency prevents you or
your travel companion from returning
home as planned.
Return home of vehicle
Up to 3,000 charged by a commercial
agency to bring your vehicle home.
expenses, Expenses to return your
travel companion, Return of excess baggage
21st Century Travel Insurance
provides you with medical concierge
services when you have purchased Emergency Travel Health Insurance
and when travelling to the
US, Mexico and the Dominican Republic:
24/7 access to physician
house call visits in select cities in the
US, Mexico and the Dominican Republic;
co-ordination to an Emergency Room; consulting
physician will fast track you through the Emergency
Room in select cities in the US,
Mexico and the Dominican Republic,
Please refer to the
Policy wording (pg. 6) for details .
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.
If your age at the time of application is less than
the pre-existing condition clause for category A is applied to
you (3-month stability period).
If your age is 60 years and over you will be asked to
answer several medical questions on the applications (see
and depending on your answers you will qualify for rates and
pre-existing condition coverage of categories A, B, C
(stability period may be 3 and 6 months).
For Travel Canada Emergency Medical Plan, no pre-existing
condition exclusion applies. The applicants must still complete
the medical questionnaire, if applicable, to determine their
Rate Category to calculate premium.
Please click on
Medical Conditions for details on this
emergency when, prior to the purchase
date, you had not met all of the
eligibility requirements or truthfully
and accurately answered all the
questions in the medical questionnaire
Covered expenses that
exceed 80% of the cost we would normally
have to pay under this insurance if you
or someone on your behalf does not
contact the Assistance Centre at the
time of the emergency.
investigative or elective treatment such
as cosmetic surgery, chronic care,
rehabilitation, or any directly or
indirectly related complications.
The continued treatment of
a medical condition when you have
already received emergency treatment for
that condition during your trip and your
medical emergency has ended.
A medical condition for
which future investigation or treatment
was planned before you left home.
A medical condition that
had caused your physician to advise you
not to travel.
emergency resulting from: hang-gliding,
parachuting or skydiving; participating
in a motorized speed contest; or your
professional participation in a sport,
snorkeling or scuba-diving when that
sport, snorkeling or scuba-diving, is
your principal paid occupation.
Not following recommended
or prescribed therapy or treatment.
A mental or emotional
disorder (other than acute psychosis)
that does not require admission to a
Your routine pre-natal
care; your pregnancy or childbirth or
complications thereof when they happen
in the nine (9) weeks before or after
the expected date of delivery; your
child born during your trip.
For insured children under
two (2) years of age, any medical
condition related to a birth defect.
Any benefit that must be
authorized or arranged in advance by the
Assistance Centre when it has given no
authorization or made no arrangement for
Any emergency that occurs
or recurs after our medical advisors
recommend that you return home following
your emergency treatment, and you choose
For policy extensions or
Top-Ups: any medical condition which
first appeared, was diagnosed or treated
after the scheduled departure date and
prior to the effective date of the
insurance extension or Top-Up.
Any change in your health
status or medical condition that
occurred or that started or any medical
condition that did not remain stable
during your Trip Break.
Please refer to the policy wording for a
full list of exclusions and limitations.
Multi-Trip Annual (
Policy Wording )
If you make pre-paid travel arrangements, you may want to choose
the All-Inclusive plan that includes:
Coverage Amounts per Insured
up to $10,000,000 per policy
up to the sum insured to maximum of $3,500 per
up to $3,500 per trip to a maximum of
$6,000 per policy
Baggage Loss or Damage
up to $1,000 per
Up to $1,000 per trip. Up to $3,000 per
up to $500 per
Up to $500 per
trip. Up to $1,500
death or dismemberment
death or dismemberment
Trip Cancellation &
(Single-Trip) can be purchased separately
To be eligible to
purchase stand-alone Trip Cancellation coverage, you must be
living in Canada or traveling to Canada.
Maximum payable amount is:
up to the covered amount for Trip Cancellation before you leave home:
unlimited Trip Interruption after departure (some benefits maximums do apply).
The product related information is for
illustration purpose only. Please refer to the Policy
wording for details on the coverage
provided, conditions, exclusions, limitations
and claim procedure./em>
have questions about this coverage or want to purchase the
policy, please call at 416-493-0101,
to do if you get sick or injured.
your policy confirmation with you at all times. In the event of
sickness or injury which may result in claim,
please contact the ASSISTANCE CENTRE at the telephone numbers shown on
your policy confirmation and the
you do not call or email the Assistance Centre in an emergency
and prior to treatment, you will have to pay 20% of the eligible
medical expenses, which would normally be paid under this
Consult the claim guidelines on the Policy
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