Group Medical Services (GMS)
TravelStar Travel insurance
offers affordable Trip Cancellation & Interruption insurance
Baggage insurance, and Emergency
Medical plan with coverage for stable pre-existing medical
conditions. Get a
quote or buy Travel insurance online directly from Group Medical Services:
please, click the link below and follow the on-screen prompts.
Call us, if you need assistance.
For assistance and to buy a policy, please
416-493-0101 , 1-877-443-0101
regarding claim procedure !
In the event of medical emergency, you, or someone on your
behalf, must contact GMS assistance centre prior to treatment
whenever possible. Failure to contact GMS assistance centre
within twenty-four (24) hours of receiving medical treatment or
admission to hospital will limit benefits otherwise payable to
70% of eligible charges to a maximum of $50,000.
What coverage you will get
Emergency Medial Insurance
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
3) have been diagnosed with Congestive Heart
4) have an Implantable Cardioverter
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 disease;
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
b. kidney dialysis;
c. organ, stem, cell or bone
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
13. have not purchased prior
to departing on your trip.
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
Single Trip Daily Emergency
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, travel for short and long-term
trips, no age restrictions, and 24-hour worldwide travel assistance.
Multi-Trip Annual Travel Emergency Medical
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
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.
policy does not covered
any expenses for work related accidents.
Single trip plan: Automatic
$250 deductible; $0 deductible is available for 10%
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 -
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.
Expenses for medical treatment from a physician .
Expenses for basic diagnostic tests.
Pre-approval by GMS is required for advanced diagnostic
Expenses for out-patient medical treatment.
Prescription drugs and medication prescribed by a
physician. Maximum of a thirty (30) day prescription.
Private Duty Nursing
to maximum $5,000 per person during in-hospital care or
in lieu of in-hospital care. Pre-approval by GMS is
Covers expenses for the use of a licensed road ambulance
in the emergency situation to the nearest hospital.
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.
to maximum of $20,000 for evacuation from remote location
to nearest accessible hospital.
Transportation to by air ambulance
(excluding helicopters)or regular commom carrier to your
provunce of residence. Pre-approval by GMS is required.
round-trip, economy class airfare for a medical
attendant to accompany you back to your province of
to $300 for the emergency services of an osteopath,
physiotherapist, chiropractor, chiropodist, and/or
Emergency Dental Services
to $2,000 per injury and up to $250 for the relief of
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.
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.
When you return home early because of
an unexpected event, coverage will continue when you
resume your trip prior to the poly expiry date.
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
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.
Pre-Existing Medical Condition
exclusion may apply to a medical condition
and/or symptoms that existed prior to your
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.
for more information.
GMS does not cover:
any expenses for medical
consultation, medical treatment or in-hospital care resulting
from the continuation, recurrence or complication of an
emergency medical condition, after such time that the emergency
has been deemed to have ended as advised by GMS;
- any expenses resulting from medical treatment that is not a
medical emergency, including but not limited to: routine or
general physical examinations; regular care of chronic
conditions; elective surgery; dental or cosmetic surgery, even
if recommended by a physician; and follow ups or continued
services following emergency medical treatment when not
authorized by GMS;
any expenses related to pregnancy, miscarriage, childbirth or
complications of any of these conditions occurring nine 9 weeks
before the expected date of delivery or anytime after;
any expenses for work related accidents.
Please refer to the policy
wording (pg 5-7) for a full list of exclusions and limitations.
and Multi Trip)
This plan includes:
Cancellation & Interruption (Maximum
coverage of $10,000 after departure)
Baggage Loss, Damage
(coverage up to $1,500)
Multi-trip Non-medical plan can only be
purchased with Emergency medical multi-trip plan.
& Interruption Insurance
- You must be a Canadian resident;
- You must purchase this Trip Cancellation
& Interruption insurance
prior to your departure date;
- Your trip must be purchased through a travel supplier or
arranged through a licensed travel agent;
- On the booking date of
your trip, the destination must not be
deemed a country to "avoid non-essential
travel" or "avoid all travel" as identified
in Foreign Affairs and International Trade
Canada's travel report;
- For trips valued at
$12,000 or more, you must also meet the
medical eligibility requirements for an
Emergency Medical Single-Trip
plan, regardless of your age.
Optional Additional Coverage Enhancements
and Multi Trip)
NOTE: The product
related information is for illustration purpose only.
Please refer to the
for details on the coverage
provided, conditions, exclusion and claim procedure.
you have questions, need help to complete the online
application, or want to purchase a policy please call
416-493-0101 (or 1-877-443-0101) or
click here to
send 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
you, or someone on your behalf, must
contact GMS assistance centre prior to treatment whenever
You can find GMS Assistance Centre phone numbers
in your confirmation
of coverage in Section **IMPORTANT
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 GMS. Consult the claim guideline in your