Home   Contact us    1-877-443-0101

Insurance :  Life  |  Mortgage Protection  |  Critical Illness   |  Disability   |  Health & Dental Benefits |  Group Benefits for Small Businesses

Visitors to Canada | Super Visa | Travel Insurance for Canadians | Snowbirds & Seniors | International Student | Canadian Student - Study Abroad

  Manulife   TuGo Traveller   TuGo Quest   GMS   Allianz Global Assistance   21st Century   RSA   Destination   TravelSense  

 

Quest Travel Insurance (for travellers 55+)

(underwritten by Industrial Alliance Insurance and Financial Services Inc. and certain Lloyd's Underwriters)

Who can apply? To apply for this policy, you have to meet the eligibility requirements and complete the medical questionnaire to determine the plan you qualify for.

QUEST travel medical insurance  for snowbird and seniors pays for emergency medical expenses relating to pre-existing medical conditions, which have been stable in 90, 180 or 365 days before the application date. Stability period depends on the plan you qualify for, based on the information on the medical questionnaire (Gold, Silver or Bronze plan).

However, pre-existing conditions that do not meet stability requirements also may  be covered. This travel plan offers two unique options.

Guaranteed Stability Option: provides coverage for up to $150,000 for an unstable pre-existing medical condition (7-day "stability period" is required).

Future Stability Option : provides coverage for pre-exiting condition stable at the time of application, but you want to have protection if your pre-existing condition becomes unstable between the application date and departure date.

What's on This Page

Policy Wording

Emergency Medical Insurance

        (Single-Trip and Multi-Trip)

         Key Features

         Summary of Medical Coverage

         Eligibility & Medical questionnaire

         Pre-existing Medical Conditions 

         Exclusions

Trip Cancellation & Interruption

    What to do if you get sick or injured

For assistance and to buy a policy,

please call at 

 416-493-01011-877-443-0101

 

What coverage will you have?

Emergency Medical Insurance (Single -Trip  and Multi-Trip)

Eligibility. You are eligible for coverage if:
1. You are 55 years of age and have not yet reached the age of 90 years as of application date of the Policy.

2. You are a Canadian resident, and you must be insured or eligible for benefits under the government health care plan of the province or territory in which you reside. If you are not insured under the government health care plan in the province in which you reside, the portion that would have been refunded by the provincial government health care plan is not a benefit of this Insurance.

3. The expenses you incur result from an acute, sudden and unexpected emergency.

4. The emergency first occurs and the medical treatment is provided outside your home province.

5. The length of travel out of your home province does not exceed the number of days selected at the time of application or authorized extension period.

Also, the applicants are eligible for this policy, if they must answer NO to all questions on Section 1 (Eligibility) of the Medical questionnaire.

 

Single-Trip Plan: Provides coverage for a single trip which starts and ends in your province of residence.

Multi-Trip Annual Plans:  You will be covered for 12 months and can travel as many times as you wish during the period of coverage provided that no one trip exceeds the maximum number of days per trip as specified for at the time of application.  You can choose from 9, 16, 30, 60-day multi-trip plans.

Deductible. Automatic $0 deductible; other deductible options $300, $500, $1,000, $5,000, $10,000, $50,000, $100,000 are available for premium discount. All deductibles are in US dollars.

Companion Discount. A 5% companion discount will automatically apply to the base premium when there is more than 1 person on a policy.

Emergency Medical Benefits

Benefits

Maximum Limit

Maximum liability

$5,000,000

Emergency medical treatment

Emergency means an unforeseen sickness or injury, which requires immediate medical treatments to alleviate existing danger to life or health.

Emergency medical treatment for sickness or injury whether in-patient or out-patient care

Services of physician, surgeon, anaesthetist, registered graduate nurse

Private duty nursing

X-rays and laboratory services

Rental of medical appliances

Prescription drugs

Limit of a 30-day supply

Ambulance

Including mountain and sea rescue

Professional medical services

Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath, and podiatrist

Chiropractic benefits are limited to the initial office visit

Dental

Up to $4,000 for accident

Up to $500 for dental pain

Hospital allowance

$50 per day to a maximum of $500 for incidental hospital charges

Emergency air transportation

Up to policy limit; evacuation to the nearest medical facility or for return to Canada; stretcher fare or one-way economy airfare, medical attendant when medically necessary

Return of insured traveling companion

A one-way economy airfare back to the departure point if the insured is returned home for medical reasons

Repatriation

Up to $10,000 for repatriation

Up to $4,000 for burial/cremation at place of death

Escort of children/grandchildren

Up to age 21 or 25 if full-time student; no age limit for mentally/physically handicapped

Family transportation

One economy return airfare or ground transportation costs and up to $150 per day for meals and commercial accommodation.

Return of insured to destination

One-way economy airfare  by the most direct route to return to the insured's original trip destination following a return to their home province under the Emergency Air Transportation Benefit.

Additional board and Lodging

Up to $400 per day to maximum of $4,000 when insured or traveling companion is hospitalized on the date scheduled to return to the home province.

Return of vehicle

Up to $4,000

Return of dog or cat

Up to $300

 

Pre-existing Medical Condition exclusion. The company will not provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of any pre-existing condition, except as follows:

Applicable to the Gold plan :

a) Pre-existing conditions that are STABLE in the 90 days prior to the commencement date of a covered trip.

Applicable to the Silver plan:

a) Pre-existing conditions that are STABLE in the 180 days prior to the commencement date of a covered trip.

Applicable to the Bronze plan:

a) Diabetes, heart and lung conditions that are STABLE in the 365 days prior to the commencement date of a covered trip.

b) All other pre-existing conditions that are STABLE in the 180 days prior to the commencement date of a covered trip.

Pre-existing conditions that do not meet the criteria set out above are not covered, unless you have purchased the Guaranteed Stability Option or the Future Stability Option.

 

STABLE 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 medical treatment prescribed or recommended by a physician or received, within the period specified in this Policy before the commencement date of a covered trip.

* Alteration includes an increase or decrease in medication dosage, usage or a change in medication type, but does not include changes in brand due solely to the availability of your usual brand or due to government regulations regarding reference-based pricing.

 

Guaranteed Stability Option

The company will reimburse you for eligible medical related expenses due to sickness or injury incurred as a result of a medical condition which existed prior to the commencement date of a covered trip.

This is an option to purchase coverage for a pre-existing  condition that does not meet the stability requirements. Amount of coverage is up to a maximum of $150,000. This option can be purchased any time before the effective date of the policy, and with Multi-trip plan after the effective date of the policy provided insured is in home province at the time of purchase.

 

Future Stability Option

The company will reimburse you for eligible medical related expenses due to sickness or injury incurred as a result of a medical condition which existed prior to the commencement date of a covered trip including unstable pre-existing conditions, provided the pre-existing conditions were stable at the time of application according to the plan the applicant qualifies for. Amount of coverage is up to a maximum of $150,000.

If your pre-existing medical condition meets the stability requirements at the time of application, but you want to have coverage for this condition if it  becomes unstable after the application date ,  you can apply for Future Stability Option.

This option has the following exclusion: Any subsequent claim of the same medical condition or related medical condition with respect to a sickness or injury which occurred during a covered trip.

 

Both options above have the following exclusion: the Policy does not cover conditions for which symptoms arose or for which medical consultation was required or took place on the date of departure or at any time within the seven days prior to the date of departure, other than a minor ailment.

 

Some other exclusions

This policy does not pay for expenses incurred directly or indirectly as a result of :

- Conditions or any related conditions for which, prior to departure, testing or investigative consultation took place, was scheduled to take place or was recommended (not including routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure. This includes tests that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.

- A medical condition for which treatment or hospitalization could have reasonably been expected.

- Treatment, services or prescriptions required for ongoing care or check-ups.

 

Refer to the policy wording for full list of exclusions (pg. 10-11 , 18-19). If you need assistance, please Contact us .

 


 

Trip Cancellation/Trip Interruption Insurance (Single Trip) is available for persons 55 years of age and have not yet reached the age of 90 years.
Sum insured prior to departure (Trip cancellation) Up to the limit of Insurance purchased
Sum insured after departure (Trip interruption) up to $25,000

 

NOTE: The product - related information is for illustration purpose only. Please refer to the Policy  Wording

 for details on the coverage provided, conditions, exclusion and claim procedure.

 

 

If you need assistance to complete the online application, or for the questions regarding your policy status, to make changes to your coverage or travel dates, to extend the policy, or purchase this policy over-the-phone, please call Natalia at 416-493-0101  (or 1-877-443-0101) or click here to ask your question online.

 

What to do if you get sick or injured

Have your policy number and policy confirmation with you at all times. In the event of sickness or injury which may result in claim, contact Claims at TuGo at the telephone numbers shown on your policy confirmation and the Policy Wording (pg. 4).  When contacting Claims at TuGo, please provide your name, your policy number, your location and the nature of your emergency.

In the event of hospitalization, call Claims at TuGo immediately.

Visit  Claims at TuGo for the claim form and submit your claim online. Consult the claim guideline on your Policy Wording (pg 33-35).

 

Back to Top

 

Investments:    RESP     RRSP     TFSA    Segregated Funds

Revised: February 17, 2018