TRAVELLER Travel Insurance
Eligibility. You are eligible for coverage if:
1. You are a Canadian resident covered by a provincial
health insurance plan for the entire trip length
2. The expenses you incur result from an acute, sudden and
3. The emergency first occurs and the medical treatment is
provided outside your home province.
4. You are not traveling against a physician's advice; or
5. You have not been diagnosed with a terminal condition.
(Terminal condition means a medical condition for which, before the date of departure
a physician has given you a terminal prognosis with a life expectancy of 12 months or
less; or when you are receiving palliative care.)
If you have questions,
please call at 416-493-0101 (1-877-443-0101)
Applicants 60 years and over must answer the following questions to determine
their insurance rate.
have any doubt about your medical condition (s) as it relates to the
following questions, you should consult your physician for advice before
completing this medical health questionnaire
Applicant : Name
Worldwide excluding USA
Single-Trip Medical Plan
Annual Multi-Trip Medical Plan
Total Number of days per trip
20, 35, 60,
95, 125, 155, 182 days
for Annual Multi-trip plans)
If you are topping-up your existing policy, please provide the details in
section Notes below.
medical question is specifically asking for the total number of
medications being taken by the applicant
Lung conditions (include asthma),
At the time of application, how many medications in total do you
take or have you been ordered to take by a physician
one or more
of the following medical conditions:
Lung conditions (include asthma)
(Do not include aspirin,
blood pressure) or
3 or more
Within the 24 months prior to the date of application, have you had
a heart attack, stroke and/or transient ischemic attack
At the time
of application, how many of the following medical conditions
are you receiving treatment for?
(Treatment includes medication that you take or have been
ordered to take by a physician)
conditions/disease (include aspirin)
conditions/disease (include asthma)
(controlled by medication or diet)
(also known as high blood pressure, count this condition if you
or have been ordered to take by a physician
any dose of 1 or more medications for high blood pressure)
(gastro-esophageal reflux disease)
2 or more
At the time of application, do you
have ANY medical conditions that
were not listed
in the previous questions, for which you currently receive
(Treatment includes medication that you take or have been ordered to
take by a physician, not including a minor ailment.)
used any tobacco products in the past 12 months?
Important! If you qualify for the coverage selected but
you or your representative purchasing insurance on your
behalf failed to answer truthfully
and accurately any question asked in the medical
questionnaire at the time of the application, any claim
will be subject to an extra deductible of $15,000
USD in addition to any other
applicable deductible amount. No future coverage will be provided under this
Policy unless you pay any additional premium reflecting true and accurate
answers to those questions.
(If you want an insurance broker
call you, please enter your phone number )
Alteration means the medication usage, dosage or type has been
increased, decreased or stopped
a new medication has been prescribed.
Alteration does not include:
a) Changes in brand due solely to the availability of
your usual brand or due to a change from a brand name medication to an
equivalent generic brand medication of the same usage or dosage; and
b) The routine adjustment of the dosage within
prescribed parameters to ensure correct blood levels are maintained when you
are taking insulin or oral diabetes medication or blood thinner medication
such as Coumadin/Warfarin and your blood levels must be checked regularly
and your condition remains unchanged; and
c) The usage changes due to the combination of several
medications into one and your condition remains unchanged.
Bowel obstruction is a mechanical blockage of the intestines, preventing the
transit of products of
Any malignant growth or tumor caused by abnormal
and uncontrolled cell division; it may spread to other parts of the body
through the lymphatic system or the blood stream.
A chronic condition where the
body is unable to produce insulin and properly regulate or maintain sugar
(glucose) level in the blood. Includes Type 1 diabetes mellitus, (insulin
dependent or juvenile type) and Type 2 diabetes, (adult-onset or
noninsulin-dependent diabetes mellitus -NIDDM), which is the most common
form of diabetes.
A condition in which pouch-like
bulges or pockets (diverticula), most commonly in the wall of the large
intestine, become inflamed or infected. It is an inflammation of a
Also known as Gastro-Esophageal
Reflux Disease (GERD). It results from chronic exposure of the esophagus to
acid coming up from the stomach (reflux).
Any abnormal condition of the
heart, heart disease or cardiopathy.
Elevated fat content in blood.
Also known as high blood pressure. For example,
blood pressure above 140/90 for more than 6 months
Can be an infection within the
kidney itself. Urinary Tract Infections (UTI) are not considered Kidney
Any abnormal condition of the
lungs, affecting the lungs or associated airways. Most commonly applicable
to lung infection such as pneumonia, Chronic Obstructive Pulmonary Disease
(COPD), bronchial asthma, etc.
Any condition of the body or
mind that causes discomfort, dysfunction, or distress to the person
affected. Sometimes the term is used broadly to include injuries,
disabilities, syndromes, symptoms, deviant behaviours, and atypical
variations of structure and function of the human body.
Includes medication that
requires a prescription from a physician or other registered medical
practitioner and medication purchased over the counter as per the
physician′s advice or other registered medical practitioner′s advice.
Minor ailment means a condition which does not require:
a) Treatment for a period of greater than 30 consecutive
b) More than one follow-up visit or referral visit to a
physician or other registered medical practitioner; or,
c) Hospitalization or surgical intervention.
An erosion in the lining of the
esophagus, stomach, or small intestine, usually caused in part by the
corrosive action of gastric acid.
Any reasonable medical,
therapeutic or diagnostic measure prescribed by a medical physician or other
registered medical practitioner in any form including prescribed medication,
reasonable investigative testing, hospitalization, surgery or other
prescribed or recommended treatment directly referable to the condition,
symptom or problem including referral to a specialist. This includes
medication that you take or have been ordered to take by a physician.
Not a medical term. Examples are cigarettes,
cigars, cigarillos, chewing tobacco, pipe, snuff. Marijuana comes under the
class of "drug" or "substance".
QUESTION 1 : Examples
: Applicant is taking 4 different
medications in total: 2 medications are taken for
a heart condition, and 2 medications are taken for diabetes. The applicant
would answer that they are taking 3 or more medications.
: For the past few years, Frank has been taking 2 prescribed
medications: one for high blood pressure and one for high cholesterol.
Last fall, Frank had a massive heart attack, and was
prescribed 4 additional medications, including:
● 2 high cholesterol
medications for his heart condition,
● 2 high blood
pressure medications for
his heart condition.
Based on the information provided, none of Frank's medications would be
counted under Question #1 because they are either high cholesterol
medications or high blood pressure medications. Frank would select "None"
and proceed to Question #2. High cholesterol medications and high blood
pressure medications are not counted under Question #1, regardless of the
condition they're treating.
However, Frank has been prescribed cholesterol
medications for his heart condition, which means he is getting treatment for
this condition and has to disclose this condition in question 3.
August 22, 2017