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Emergency Medical Insurance for Seniors

Short - Term Trips (No medical questionnaire required )

If your trip is not long, you may be eligible for travel emergency medical insurance without medical questions on the application.

RSA Vacation plan, Travelance Travel insurance, Destination Leisure plan do not require medical questionnaire. However, you must meet the eligibility requirements for this policy. This insurance pays for emergency medical expenses relating to your pre-existing medical condition, which has been stable in 90 or 180 day prior to the effective date of the policy (depending on your age and plan selected).

All  plans provide worldwide coverage: Cuba, USA, Caribbean, Hawaii, cruises, Dominican Republic, etc.

 

RSA Vacation Plan    Travelance Travel Plan   Destination Travel Leisure Plan  

Travelance

Travel Emergency Medical Insurance

(Underwritten by Old Republic Insurance Company of Canada)

 for ages up to 89 on the effective date

Policy Wording

Eligibility    

Pre-existing conditions coverage

Rates : Single Trip  & Multi-trip

Get Your Instant Quote ONLINE

Claims

 

Travelance Travel insurance offers single-trip and annual multi-trip Emergency Medical plans as well as Annual Multi-trip All-inclusive plan.  The Emergency Medical plan provides unlimited emergency medical and hospital coverage when you are travelling outside your province/territory of residence (emergency hospital & medical, emergency medical evacuation/return home, repatriation).

 

Single-trip Emergency Medical Plans

 The maximum length of a covered trip depending on the Plan purchased is as follows:

Age Maximum length of the Covered Trip
50 to 59 183 days
60 to 69 * 60 days
70 to 89 * 16 days

* For longer trips you have to complete a Medical Questionnaire to determine your eligibility and travel rates.

 

Annual Multi-trip Emergency Medical Plans

 For ages 69 and under, 15 day or 30 day durations;

 Application for insurance must be made prior to your first Departure Date.

 Coverage is provided only for the first 15 days of any Covered Trip taken during the year if you purchased a 15 day Annual Medical Plan or for the first 30 days of any covered trip taken during the year if you purchased a 30 day Annual Medical Plan.

 Cannot be used to Top up any other coverage.

 

Eligibility for Emergency Medical Insurance

All of the following restrictions apply: 

 You must NOT have a medical condition for which a physician has advised you against travel prior to your effective date.

 You must NOT have been diagnosed with a terminal sickness prior to your effective date.

 Anyone over 69 years of age on the effective date must NOT reside in a retirement home, nursing home, assisted living home, convalescent home, hospice or rehabilitation centre that assists You daily with your mobility or medications. Do not include a one-time temporary stay at a rehabilitation centre of no more than 6 weeks during the 12 months prior to your departure date.

 You must be insured under a valid Canadian federal, provincial or territorial government health insurance plan (GHIP). Otherwise the limit of coverage is $25,000.

 You must be under 90 years of age on your departure date.

 The policy must be purchased prior to departure.

 For anyone age 60 and over, the effective date of this policy must be greater than 13 days from any previous policy expiry date (topping-up is allowed).

 

Coverage for pre-existing medical conditions

There is no coverage and no benefits will be payable for claims resulting from  Pre-Existing Conditions or related Medical Conditions that was not Stable and Controlled during the stability period immediately prior to your Departure Date or which, in the opinion of your physician, would be expected to require Treatment in the foreseeable future:

Ages 59 and under, for the 60 days prior to Your Departure Date.

-  Ages 60 to 74, for the 90 days prior to Your Departure Date.

Ages 75 and over, for the 180 days prior to Your Departure Date.

For Emergency Medical with regards to Top Ups, “prior to Your Departure Date” is replaced with “prior to the start date of Your Top Up coverage”

 

Coverage is not provided for any claims arising from:

a) a heart condition involving the taking of nitroglycerine more than once per week for the relief of angina;

b) a lung condition treated with home oxygen or the taking of oral steroids (prednisone or prednisolone).

 

Stable and Controlled 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 Treatment or medical services other than routine monitoring have been required, prescribed or recommended by a Physician or received within the time period specified in this Policy, prior to Your Effective Date.

If you require a routine adjustment to the dosage of your prescription for Coumadin, Warfarin or Insulin (unless it is newly prescribed or stopped) to ensure correct blood levels are maintained, such a change is not considered an alteration in medication provided the condition remains unchanged.

Pre-existing medical conditions which do not meet the stability requirements above are not covered.

 

Please refer to the Policy wording for details of the coverage provided, exclusions, limitations, conditions  and claim procedure.

If you do not meet the eligibility requirements and the conditions stated in the policy, your insurance is void and the company’s liability is limited to a refund of the premium paid.

If you are eligible for this policy, you can apply ONLINE:

 

 

What to do when you got sick or injured

Have your Policy number or Policy Confirmation with you at all times. When on the cruise ship, seek the cruise ship’s Physician and provide the assistance information. Otherwise, when on land, contact the assistance provider at the telephone numbers listed below. Access is available 24 hours per day, 365 days per year at the numbers listed below. If you cannot successfully place a collect call to the Emergency Assistance Provider as instructed below, please dial direct and submit the charges incurred to make the call along with your claim documents.

USA & Canada 1-800-334-7787

Dominican Republic 1-888-751-4866

Mexico 001-800-514-0409

Europe 00-800-758-75875

Australia 0011-800-758-75875

Elsewhere Operator Assisted Collect 905-667-0587

Direct Dial 1-905-667-0587

Email: assistance@oldrepublicgroup.com  

When contacting the assistance provider, please provide Your name, Your Policy number, Your location and the nature of the Emergency.

 

Travel Rates

1) Single Tip Emergency Medical plans : Click here  OR  Get Your Instant Quote ONLINE .

 

2) Annual Emergency Medical Plans

(no deductible, rates are per year, per person)

Duration (per trip) Age 50-59 Age 60-64 Age 65-69
15 days $113 $141 $177
30 days $129 $168 $210
Family Rates are available    

 

3) All Inclusive Annual Plans

(no deductible, rates are per year, per person)

Trip Cost Duration (per trip) Age 60-64 Age 65 - 69
$1,500 15 days $245 $345
30 days $341 $407
$2,500 15 days $328 $408
30 days $431 $518
Plus Applicable Tax

 

 

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If you have questions about this coverage or want to purchase a policy, please, call at 1-877-443-0101, 416-493-0101,  

or, click here to ask your question online

 April 14, 2018