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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 unexpected emergency.
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.)

I confirm that I understand and meet eligibility requirements above : YES      NO

If you have questions, please call at 416-493-0101 (1-877-443-0101)  

 

Medical Questionnaire

Applicants 60 years and over must answer the following questions to determine their insurance rate.

If you 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 (Important!).

Applicant : Name      Age          Destination:    

Single-Trip Medical Plan     Annual Multi-Trip Medical Plan    

 Total Number of days per trip  (5, 10, 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.

View Medical Definitions

 

 Question 1

The this medical question is specifically asking for the total number of medications being taken by the applicant for Lung conditions (include asthma), Diabetes and Heart conditions/disease.

At the time of application, how many medications in total do you take or have you been ordered to take by a physician to treat  one or more of the following medical conditions:

Lung conditions (include asthma)

Diabetes

Heart conditions/disease (Do not include aspirin, hypertension (high blood pressure) or high cholesterol medications)

 

Click here for examples.

 

3 or more medications    

    2 medications 

    1 medication  

    None  

 

 

Question 2.

Within the 24 months prior to the date of application, have you had a heart attack, stroke and/or transient ischemic attack (mini-stroke, TIA)? 

  

YES        

   NO    

 

 

Question 3.

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)

 

2 or more medical conditions  

1 medical condition 

None 

 

Question 4.

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?    

(Treatment includes medication that you take or have been ordered to take by a physician, not including a minor ailment.)

 

YES        

   NO    

 

Question 5.

Have you used any tobacco products in the past 12 months? 

 

YES       

   NO      


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.

 

Notes

(If you want an insurance broker call you, please enter your phone number )

 

 

Your E-mail   

 


 

Definitions

Alteration means the medication usage, dosage or type has been increased, decreased or stopped  and/or 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

Bowel obstruction is a mechanical blockage of the intestines, preventing the  normal transit of products of digestion.

Cancer

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.

Diabetes

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.

Diverticulitis

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 diverticulum.

GERD

Also known as Gastro-Esophageal Reflux Disease (GERD). It results from chronic exposure of the esophagus to acid coming up from the stomach (reflux).

Heart Conditions/Disease

Any abnormal condition of the heart, heart disease or cardiopathy.

High Cholesterol

Elevated fat content in blood.

Hypertension

Also known as high blood pressure. For example, blood pressure above 140/90 for more than 6 months

Kidney Infections

Can be an infection within the kidney itself. Urinary Tract Infections (UTI) are not considered Kidney Infections.

Lung Conditions/Disease

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.

Medical Condition

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.

Medication

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

Minor ailment means a condition which does not require:

a) Treatment for a period of greater than 30 consecutive days; or,

b) More than one follow-up visit or referral visit to a physician or other registered medical practitioner; or,

c) Hospitalization or surgical intervention.

Peptic Ulcer

An erosion in the lining of the esophagus, stomach, or small intestine, usually caused in part by the corrosive action of gastric acid.

Treatment

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.

 

Tobacco

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

Example1 : 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.

Example2 : 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.

 

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Revised: August 22, 2017