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PrimeLink Travel Insurance

TravelSense - Individual Medically Underwriting plan

 

PrimeLink TravelSense™ is emergency medical insurance that covers fully disclosed pre-existing conditions without a stability clause. It is an individual medically underwriting plan and the cost of your insurance is based on your own specific health situation. Even if you have been denied coverage before, it's possible that you can apply for this plan. All you have to do is fully disclose your pre-existing conditions.

It is necessary to declare ALL medical conditions, that, in the last 5 years, have been diagnosed, or that the traveller has received treatment or taken medication for. All declared conditions will be covered while traveling.

Question: What if I do not disclose your pre-existing condition? Will I still have coverage for any other medical situation that might arise?  - No. In order to be fully covered, you must fully disclose your pre-existing conditions.

Who can apply: TO BE ELIGIBLE FOR THIS INSURANCE, you must be a resident of Canada, and covered under a government health insurance plan for the entire trip length.

 

Get a Quote  OR  Buy Online

This policy is underwritten by Manulife Financial

For assistance to complete the online application,

please call   416-493-0101, 1-877-443-0101

What's on This Page

Policy Wording

Key Features

Summary of Medical Coverage

 Exclusions

What to do if you got sick or injured

 

What coverage you will have

Eligibility

To be eligible for Emergency Medical coverage, if as of the date you apply for coverage and the effective date, you:

•   are a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;

•   are not travelling contrary to medical advise;

•   are not awaiting investigative testing or treatment of an unresolved condition (Reference to testing, tests, test results, or investigations

    excludes genetic tests);

•   do not require kidney dialysis;

•   have not used or been prescribed home oxygen for a lung condition in the past 12 months;

•   never had, or are not awaiting a stem cell, organ or bone marrow transplant;

•   do not have a terminal illness for which a physician has estimated you have less than six (6) months to live;

•   do not have metastatic cancer (cancer that has spread from the original site to another place in your body).

IMPORTANT: If you have any change in your health status and/or change in medication or treatment, between the date you completed the application for this coverage and your effective date, you must notify the insurer by calling 1 800-509-5831 or (519) 251-7420. Otherwise, any such change may render your coverage null and void.

 

Single-Trip Plans provide Worldwide coverage. 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).

 

Age means your age on the application date. No maximum age limit.

 

Deductibles
The following deductible options are available :

Deductible Options*

$500

$1,000

$5,000

$10,000

Applicable Savings

10%

15%

20%

30%

* $USD per insured per claim

 

Refunds 

•    You may cancel your policy prior to your policy effective date.

•    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.

 

Extension

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 long 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);

•    there has been no claim or event that has resulted or may result in a claim against the policy; and

•    there has been no change in your health status.

 

Automatic  Extensions to Coverage of emergency medical coverage is provided beyond your policy expiry date at no additional premium :

•    For 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,

•    For 5 days if you or your travel companion are unable to travel on your scheduled return date but you are not hospitalized.

 

EMERGENCY MEDICAL BENEFITS

This insurance includes the following Emergency Medical Benefits

Key Benefits Maximum Limit

 Maximum liability

Up to $10 million

Emergency medical treatment

Reasonable and customary charges for medical care received from a physician in or out of a hospital;

The cost of a semi-private hospital room (or an intensive or coronary care unit where medically necessary);

The services of a licensed private duty nurse while you are in hospital;

The rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance;

Tests that are needed to diagnose or find out more about your condition;

▪ Drugs that are prescribed and are available only by prescription from a physician or dentist

Paramedical services

Coverage for professional medical services due to covered risk, up to $70 per visit to a combined maximum of $700 for a covered injury

Ambulance transportation

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 your teeth

Terrorism coverage

 

The following benefits must be pre-approved and arranged by the Assistance Centre

Expenses related to death

Up to $5,000  

Expenses to bring you home

If recommended by attending physician; including air ambulance transportation if this is medically necessary.

Visit to bedside

If the insured is traveling alone 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

If the insured is traveling alone 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 by Manulife.

Expenses to return your travel companion home

If you return home early because of emergency, the insurer will pay extra cost of one-way economy class airfare via the most cost-effective itinerary, to return your travel companion insured under Manulife insurance policy home 

Additional expenses for meals,

hotel, phone calls and taxi

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.

 

Medical Concierge Services

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;

•    physician 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, etc. Please refer to the Policy wording (pg. 3) for details .

To access this service simply call the Assistance Centre using the phone numbers indicated on the wallet card

 

EXCLUSIONS AND LIMITATIONS

The company will not pay any expenses or benefits relating to:

•    Any pre-existing condition not listed on the Medical Underwriting Agreement and/or misrepresented or not disclosed during your recorded Medical Underwriting application.

•    Any change in your health status occurring after your application date and not reported prior to your effective date.

•    Any emergency if the answers provided in the medical questionnaire are not truthful and accurate.

•    Covered expenses that exceed 80% of the cost we would normally have to pay under this insurance, if you do not contact the Assistance Centre at the time of the emergency. If your medical condition makes it medically impossible for you to call, please have someone call on your behalf.

•    Any non-emergency, investigative or elective treatment.

•    The continued treatment of a medical condition when you have already received emergency treatment for that condition during your trip and our medical advisors determine that your medical emergency has ended.

•    A medical condition:

- when you knew before your effective date of coverage, that you would need or be required to seek treatment for that medical condition during your trip; and/or

- for which it was reasonable to expect before your effective date that you would need treatment during your trip; and/or

- for which future investigation or treatment was planned or advised by your physician before your effective date; and/or

- which produced symptoms that would have caused an ordinarily prudent person to seek treatment in the three (3) months before your effective date; and/or

- that had caused your physician to advise you not to travel.

•    Treatment if you specifically purchased this insurance to obtain such treatment whether or not it was authorized by a physician.

•    Not following recommended or prescribed therapy or treatment.

•    For insured children under two (2) years of age any medical condition related to a birth defect. A mental or emotional disorder (other than acute psychosis) that does not require admission to a hospital.

•    Any treatment, services or supplies not medically necessary, or any medical procedures and/or tests (including MRI, MRCP, CAT Scan, CT Angiogram, Nuclear Stress Test, Angiogram or Cardiac Catheterization) not authorized by the Assistance Centre in advance.

•    All surgery must be authorized by the Assistance Centre prior to being performed except in extreme circumstances where surgery is performed on an emergency basis.

•    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 that benefit.

•    Any emergency that occurs or recurs after our medical advisors recommend that you return home following your emergency treatment, and you choose not to.

•    For policy extensions: 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.

 Please refer to the policy wording for a full list of exclusions and limitations.

 

NOTE: 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.

 

If you have questions about this insurance coverage, or need help to complete the online application, or you want to purchase a policy, please, call at 416-493-0101  (or 1-877-443-0101) or click here to send your question

 

What 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 in claim, please contact the ASSISTANCE CENTRE at the telephone numbers shown on your policy confirmation and the Policy wording (pg. 1).  Emergency phone numbers: Toll-free from the USA & Canada - 1-877-251-5107; collect to Canada from anywhere else in the world -  +1(519)251-5107. The Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment of the emergency service received.

You can use TravelAid mobile app for immediate access to the company's Assistance Centre when you are travelling. To download the app, visit: http://Active-Care.ca/TravelAid . The TravelAid mobile app can also provide you with directions to the nearest medical facility, local emergency telephone numbers (such as 911 in North America), and pre- and post-departure travel tips.

 Important Notice regarding claim procedure !

Please note that if you do not call the Assistance Centre in an emergency prior to receiving treatment, you will have to pay 20% of the eligible medical expenses which are normally paid under this policy (20% co-insurance).

If it is medically impossible for you to contact the Assistance Centre when the emergency happens, the 20% co-insurance will not apply. In this case, we ask that you contact the Assistance Centre as soon as you can or have someone do so your behalf.

If you choose to pay eligible expenses directly to a health service provider without prior approval by the Assistance Centre, these eligible expenses will be reimbursed to you on the basis of the reasonable and customary charges that would have been paid directly to such provider. Medical charges that you pay may be higher than this amount; therefore, you will be responsible for any difference between the amount you paid and the reasonable and customary charges reimbursed by us.

Some benefits are not covered if they have not been authorized and arranged by the Assistance Centre.

To make a claim due to illness or injury during your trip, your proof of claim must be sent to the Assistance Centre within ninety (90) days of your loss.

Investments:    RESP     RRSP     TFSA     Segregated Funds

Revised: February 16, 2018

 

 

 

 

 

 

 

 

                                  February 16, 2018