Health & Accident
CUMIS General Insurance Company, a
member of The Co-operators group of companies.
Assistance provided by:
Destination: Travel Group Inc.
Who can apply?
To be eligible for
coverage, you must:
a) be over the age of 14
days and no more than 89 years old (for single trip coverage);
b) be insured for benefits under a Canadian
government health insurance plan
during the entire duration of your trip; and
c) meet all the
eligibility requirements and qualify
for one of the plan classifications
on the medical questionnaire.
This policy includes optional
Reduced Stability Period coverage for
pre-existing medical conditions.
For assistance and to buy a policy ,
please call at
or ask your question
coverage will you have?
Emergency Medical Insurance (Single -Trip and Multi-Trip)
Coverage is NOT
AVAILABLE to any individual who, as of
their departure date:
1. a) has been
diagnosed with a terminal illness;
b) has been diagnosed with acquired immune
deficiency syndrome (AIDS) or Human Immune Deficiency Virus
pancreatic cancer, liver cancer or any type of cancer that has
d) had an organ transplant (heart, lung,
liver, kidney) or a bone marrow transplant;
e) has been diagnosed
with or received treatment
for congestive heart failure or
cardiomyopathy in the last 24 months;
f) has had a
for which the use of home oxygen has been
prescribed in the last 24 months;
g) has been diagnosed
with or treated
for kidney or renal failure, required
kidney dialysis, or had a physician recommend kidney dialysis in
the last 24 months; or
assistance with activities of daily
You must NOT
have had, prior to your application date, your most recent heart
surgery (if any) more than 12 years ago. Heart surgery includes
coronary bypass, coronary angioplasty, valve surgery (repair or
replacement), valvuloplasty, implanted pacemaker or implanted
defibrillator (excluding battery change).
3. In the 12 months prior to your application date, you must
a) been hospitalized for 24 hours or more for any of the
following medical conditions:
• Artery or Vein disorder
• Diabetes (excluding diet controlled)
• Heart condition
• Stroke (CVA), Transient Ischemic attack
• Cancer (excluding basal or squamous cell skin)
• Lung condition
• Liver or Pancreas disorder cancer and breast cancer treated
only with hormone therapy)
b) been diagnosed or treated for 3 or more of the medical
conditions listed in Question 3 a) above;
c) been prescribed a total of 6 or more separate and distinct
prescription medications (excluding aspirin and prescriptions
for minor conditions) for all of the medical conditions combined
as listed in Question 3 a) above;
d) been diagnosed with an aneurysm of 4 centimeters or more in
either length or diameter, that has not been surgically
have to complete the
to determine rate category.
Important Notice: Your continued eligibility for coverage is dependent on your health status not changing between Date of Application and your Policy Effective date. Accordingly, if your medical condition changes or if you undergo a change in medication prior to your policy Effective date, you must immediately notify the insurer.
Single-Trip Plan: Provides coverage for a single trip from your province of residence. During the period of coverage you may return once to your province or territory of residence for up to 15 consecutive days without terminating this policy
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.
The maximum number of days for each trip outside Canada is as shown on the policy confirmation and will be counted starting the date you exit Canada.
Choose from 8, 15, 30 and 60-day multi-trip plans.
Trips within Canada are limited only to the maximum number of days allowed by your provincial or territorial health insurance plan.
All trips must be separated by a 24-hour return to your province of territory of residence.
If you incur a claim, you will need to provide proof of departure from and return to:
- your province or territory of residence, for trips within Canada; and
- Canada, for trips outside Canada.
Deductible. Deductible options $100 (standard),
$1,000, $2,500, $5,000, $10,000 US are available for premium discount (10%, 20%, 30%, 45% respectively).
Discounts and Surcharges.
● Single trip travelling companion discount : 5% savings available for anyone with a travelling companion.
● Smoker Surcharge : 10% if smoked or used tobacco products within 24 months prior to your departure date.
If you purchased your policy after you have exit your your province or territory of residence, any sickness that manifests itself during the first 48-hours after the effective date is not covered even if related expenses are incurred after the 48-hour waiting period.
Extending Your Trip
If you decide to apply for additional coverage after you have left your province or territory of residence, you may apply for a new term of coverage if you:
a) make your application for extension prior to the expiry date of your policy; and
b) are in good health; and
c) have no reason to seek medical consultation during the new term of coverage.
If you have incurred a claim during your period of coverage, the insurer will review your file before deciding on granting an extension.
Each policy or term of coverage is considered a separate contract.
Refunds. Refunds for Emergency Hospital & Medical Single-trip Plans are payable when:
a) the entire trip is cancelled prior to the effective date; or
b) you return to your province or territory of residence prior to the expiry date.
There will be no refund of premium if a claim has been made.
Multi-trip Plans are not refundable after the effective date.
Please refer to the
Policy wording (pg. 5) for full details.
insurer will pay up to $5
CAD for reasonable and customary
costs incurred unexpectedly by an insured Canadian resident
during the period of coverage.
EMERGENCY MEDICAL EXPENSES
Emergency Medical Services
Care received from a physician in or out of a hospital
as well as the cost of a hospital room (to a maximum of
When approved in advance
by the insurer. the rental
or purchase (whichever is less) of a wheelchair,
brace, crutch or other medical
Laboratory tests and
x-rays prescribed by the
attending physician due to an emergency. Note: This
policy does not cover magnetic
resonance imaging (MRI), cardiac
catheterization, computerized axial tomography
(CAT) scans, sonograms,
ultrasounds and biopsies unless such services are
approved in advance by the
Limited to a 30-day supply per
prescription, unless you are hospitalized.
services of a licensed
chiropractor, osteopath, physiotherapist or podiatrist
up to $500 per
Local ground ambulance
service to a medical service provider in an emergency.
emergency treatment in the case of accidental blow to
face and up to $500 for
immediate relief of dental pain.
Transportation to the nearest appropriate medical
facility or to a Canadian hospital due to a covered
emergency sickness or injury.
Private Duty Nurse
When approved in advance by
the insurer, the services
of a registered nurse, other
than a relative, up to a maximum
benefit of $5,000.
All Emergency Assistance Services
Must be pre-approved by SelectCare.
Expenses to return children under your care
to the cost of a one-way economy airfare to transport
your children or grandchildren to their original point
of departure if you are admitted to the hospital for
more than 24 hours or must be medically repatriated due
to an emergency.
Expenses to return your vehicle
Up to $5,000
for the return of the vehicle to your home in your
province/territory of residence or the nearest
appropriate rental agency,
Emergency Evacuation and
Air ambulance to the nearest appropriate medical
facility or to a Canadian hospital
Transport on a licensed airline with an attendant (when
required) for emergency return to your
province/territory of residence for immediate medical
- The fare for
additional airline seats to accommodate a stretcher on a
- When required, the
return economy class/charter fare of a qualified medical
attendant and the attendant’s reasonable fees and
Up to the cost of a one-way economy airfare to return
your travel companion to your province/territory of
Up to $5,000 for search and rescue should you be
stranded in a mountainous area, the sea or other similar
to Original Trip Destination
Up to a maximum of $2,500 for a one-way economy
flight to return you and one insured travel companion to
your original trip destination, if
you are returned to your province/territory of residence
Emergency Evacuation and Repatriation
benefit, and the attending physician
determines that the treatment received in Canada
resolved the emergency. The return must occur during the
original period of coverage.
If an emergency prevents you or your
travel companion from returning to your
province/territory of residence as
originally planned or if your emergency
medical treatment or that of your travel
companion requires your transfer to a
location that is different from your
original destination, we will reimburse
expenses for meals, hotel, phone calls
and taxis, up to $150 per day to a
maximum of $1,500. To
Expenses Related to your Death
your estate for the transportation costs to
return your body home to your province/territory of
residence (using customary airline procedures), plus:
- up to $10,000
for the preparation of your body and the cost of the
transportation container; or
- up to $4,000
to cremate your body at the place of death; or
- up to $10,000
for the preparation of your body and for your burial at
the place of death; and
- up to
$1,000 for the cost of a one-way economy airfare to
return your travel companion to your province/territory
Bedside Companion Travel and
Pet Return, Identity Fraud
Recovery, Hospital Allowance
Automatic Extension of
Coverage will be automatically
extended during the period of hospitalization, plus 72
hours after release to travel home, if you are
hospitalized at the end of your trip as a result of a
covered injury or sickness.
This is a
summary of the benefits. Please read the
before purchasing the policy for more details on the coverage
provided, conditions, exclusions and claim procedure.
Travel medical insurance does not cover everything. This
insurance has exclusions, conditions and limitations.
Please learn them and understand the policy before you buy this
Pre-Existing Medical Condition
Please click on
Pre-Existing Medical Condition
for details on this
Depending on your answers
on the medical questionnaire,
you may qualify for one of four plans, which have
different automatic stability periods for
pre-existing medical conditions. Depending on the
plan, benefits are not payable for costs incurred
due to or resulting from your medical condition or
related condition, other than a minor ailment
that was not stable
at any time during the 90, 180, or 365 days immediately
before the effective date.
Stability Period Option
If you selected the
Reduced Stability Period Option,
coverage is limited to $150,000 for eligible expenses incurred
due to or resulting from your medical condition or related
condition, other than a
minor condition, that was stable for more than 30,
or 90, or 180 days (depending on the plan you qualify for)
but less than an automatic stability period
for this this plan.
You can complete
Destination medical questionnaire, calculate your points and
see what stability periods are available for you.
Some other exclusions:
Benefits are not payable
for cost incurred:
Due to traveling against the advice of a physician
or notice of a terminal illness has been given;
For ongoing or follow-up treatment,
rehabilitative care, or the recurrence of a medical condition or
related condition once the emergency is declared over by the
- Due to any
treatment that is non-emergency,
elective or the consequence of a prior elective procedure;
from a motor vehicle accident where you are
entitled to receive benefits pursuant to any policy or
legislative plan of motor vehicle insurance except when such
benefits are exhausted;
to your engagement in manual labour for
wages or profit including the operation of transport vehicles;
performing employment duties on any aircraft or ship; performing
duties in any regular armed forces service;
For any loss incurred in a city,
region, or country when, prior to the effective date, the
Department of Foreign Affairs and International Trade of the
Canadian Government issued a written warning to avoid all
travel, or to avoid non-essential travel, to that city, region,
Please refer to the
Policy wording (pg.3) for a full list of exclusions.
The product-related information is for illustration purposes
only. For complete benefits, terms, conditions, limitations and
refer to the policy wording.
you have questions about this coverage, or want to make changes
to your existing policy or to purchase the policy, please, call
Natalia at 416-493-0101,
click here to
ask your question
to do if you get sick or injured.
Have your policy confirmation with you at
all times. In the event of sickness or injury which may result
please contact the Assistance Centre
at the telephone numbers shown on your Letter
Policy wording (pg.
1). When contacting the
Assistance Centre, please provide your name, your policy number,
your location and the nature of your emergency.
To apply for benefits under this policy, you will need to send a
completed claim form (with all original bills attached) to
the insurer. Consult the claim
guideline on the
Important Notice regarding claim procedure !
You must notify
the Assistance Centre
at 416-340-1553 (collect) or
1-866-261-1723 within 24 hours of any emergency medical
treatment. Failure to do so will
result in your being responsible for 20% of any eligible
expenses incurred unless your emergency prevents
you from calling. You must call as soon as medically
possible or have someone call on your behalf. If you or someone
on your behalf does not call
the Assistance Centre prior to the
arrangement of an Emergency Assistance Service (as stated in
Part 3 - Benefits), no benefit is