Two months premium plus $60
administration fee collected on application date
Equal monthly payments applied to credit card starting on the start date of the policy
What
coverage will you have?
Travelance Visitors to Canada insurance covers a sudden and unforeseen medical condition
that requires immediate medical attention. It may be flue, broken arm,
pneumonia, unexpected complication of a stable pre-existing condition
(Premier plan), etc.
Eligibility.
All of the following
restrictions apply:
You must be over 14 days old and
under 86 years of age during the entire period of coverage.
You must not have a Medical Condition
for which a Physician has advised You against travel prior
to your period of coverage.
You do not have a medical condition for
which a physician has advised you against travel before your Period of Coverage.
You do not have a surgically untreated aneurysm.
You have never been diagnosed with or received Treatment for:
a) Pancreatic or liver cancer, or any type of metastasized cancer;
b) A kidney condition requiring dialysis;
c) A bone marrow or organ transplant;
d) Congestive heart failure;
e) A Terminal Sickness.
At time of purchase of this Policy, You do not
reside in a nursing home, assisted living home, convalescent
home, hospice or rehabilitation centre.
You do not require any assistance
with Normal Daily Activities. This
does not apply to children under 12 year of age.
You have not taken (or have been prescribed)
oral steroids or used home oxygen to treat a lung condition
in the 12 months before Your Policy Start Date.
In the 12 months before your Start Date,
You have been diagnosed with or treated
(including prescribed medications) for
2 (TWO) conditions listed below:
a) Coronary Artery Disease, (including heart attack or angina)
b) Valvular heart disease (including stenosis, regurgitation or valve replacement)
c) Heart arrhythmia (including atrial flutter,
atrial fibrillation, ventricular fibrillation or use of a pacemaker)
d) A lung or respiratory condition for which
daily medication has been prescribed (including inhalers)
e) Diabetes requiring insulin
f) Stroke or mini-stroke
g) Aneurysm
h) Blood clots
i) Gastro-intestinal bleed
In the 12 months before your Policy Start Date, You were not admitted to the hospital for any condition listed in item 8) above.
If prior to Your Policy Start Date,
Your health changes and You no longer meet the eligibility requirements listed above,
You must send a written request for refund.
Age.
The applicant has to be over 14 days old and
not more than 86 years old during the entire Period of
Coverage. Applicant 70 to under 86 years of age during
the entire Period of Coverage may only purchase Plan Limits up to $100,000.
Period of
Coverage.
Both Premier and Essential plans can be purchased for any number
of days up to 558 days. If you need longer coverage
you can reapply as long as you meet the eligibility
requirements.
Amount of coverage.
Ages 14 days to under 70 years of age
during the entire Period of Coverage may purchase Plan
Limits of $25,000, $50,000, $100,000 and $150,000;
Ages 70 to under 86 years of age during
the entire Period of Coverage may only purchase Plan Limits
of $25,000, $50,000 or $100,000.
Deductibles
This insurance has no
deductible. However, the Insured can choose to add one of
four deductible options $250, $500, $1,000, $5,000, $10,000 and receive
a discount of 10%, 15%, 20%, 30%, 45%
on the premium respectively.
Waiting period
a) If Your Start Date
is Your Departure Date and You are scheduled to arrive
in Canada within 48 hours after You leave Your Home Country,
then coverage is provided while en route to Canada.
b) If Your Start Date is Your Departure Date
and You are not scheduled to arrive in Canada within 48 hours
after You leave Your Home Country,
coverage only begins on the date and time You arrive in Canada.
c) If your Start Date is after your
Departure Date, the following waiting
period apply:
- 24 hours for
an Injury;
- 48 hours for
a Sickness if Your Start Date is within 30 days of Your
Departure Date;
- 48 hours for
a Sickness if You are continuing coverage from an existing policy
with another Canadian insurance company;
- 7 days for a
Sickness if Your Start Date is more than 30 days from Your
Departure
If You become sick or injured during
this period of time, Your Policy will not cover any expenses
resulting from or related to this condition even if the
Waiting Period is over.
Family rates
Apply to individuals or couples
travelling with at least one unmarried dependent child or
grandchild:
a) under the age of 21;
b) under 26 if a full-time student, or;
c) of any age if mentally or physically
disabled.
The premium for family coverage is
calculated at two times the premium for the eldest adult
Extending coverage after arrival in Canada
Your Coverage under your policy can be extended beyond the expiry date
if you have not reported a claim, and your policy is in force
when you request an extension.
Automatic extensions to coverage
This coverage will be automatically extended:
● for 72 hours if your scheduled common carrier is delayed ;
● for 3 days, if are unable to travel for a medical reason that does not need hospitalization;
● for the period of hospital confinement plus 5 days after after discharge while outside your home Country;
● During your return travel to your home country provided you have coverage
on the day you leave Canada and you are scheduled to arrive in your home country within 48 hours.
Refund of premium
1) You may cancel this Policy within 10
days of purchase for a full refund, provided it is prior to
your Period of Coverage.
2) For other than 1) above, a refund
for unused days will be allowed provided that you have not
incurred a claim under this Policy.
The following administration fees will
be deducted from your refund if you:
a) cancel your policy due to a denial of
your travel visa (no fee will be deducted);
b) cancel Your policy before your policy start date due to you
no longer being eliglible (no fee will be deducted);
c) cancel your Policy before you leave
your Home Country for other than a) and b) above ($250 fee will
be deducted);
d) cancel your Policy before your Expiry
Date to return to your Home Country or
you become insured under Canadian federal, provincial
health/medical plan ($50 fee will be
deducted); or
e) cancel your Policy and decide to stay
in Canada ($250 fee will be deducted).
Date changes after the effective
date
Any requests for a date change
after the
effective date of the policy other than an extension of your
Period of Coverage may incur an administration fee of $50.
Travel worldwide
(Side Trips)
This policy covers the emergency medical expenses
you incur during a side trip outside Canada that begins
in Canada during your Period of Coverage. Each side trip is restricted
to a maximum of 45 days. If you have a claim outside Canada,
the number of covered days in Canada must be more than
50% of the total covered days elapsed at the time of the claim.
For example: If you are planning a 7-day trip to the USA,
you have to spend 8 or more days in Canada before departure to the USA.
MEDICAL
AND HOSPITAL BENEFITS
Emergency means an unforeseen Sickness
or Injury that requires immediate Treatment to prevent or
alleviate existing danger to life or health.
BENEFITS |
Essential Plan |
Premier Plan |
EMERGENCY HOSPITAL :
semi-private accommodation
where available
|
Included
|
Included
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EMERGENCY MEDICAL :
a) The
services of
a Physician,
surgeon or
in-Hospital
duty nurse;
|
Included
|
Included
|
b) Transportation
furnished by
a
professional
ambulance
company to
and from a
Hospital
|
Included
|
Included
|
c) Diagnostic
testing including
but not limited to sonograms,
electrocardiograms, computerized
axial tomography (CAT scan)
and magnetic resonance imaging (MRI).
All diagnostic tests must
be authorized in advance by the insurer.
|
Included
|
Included
|
d) Medical equipment
purchased or
rented for
therapeutic
purposes
subject to
prior
approval by
the insurer.
|
Included
|
Included
|
e) Prescription
medications
up to a 30
day supply
of this
prescribed
medication
|
Up to $1,000
per
occurrence
|
Up to $10,000
per
occurrence
|
f) Follow-up visits,
subject to
prior
approval by
the insurer
|
One follow up Visit, up to $1,000
|
Three
follow up visits, up to $3,000
|
g) Emergency Paramedical
Services Due
To Injury:
acupressurist,
acupuncturist, chiropractor,
chiropodist,
naturopath,
physiotherapist,
osteopath or
podiatrist
|
Not covered
|
$500 per
category of practitioner
|
EMERGENCY RETURN HOME
If you have
a medical
Emergency,
the Company,
in
consultation
with its
medical
advisors,
the
Emergency
Assistance
Provider and
the local
attending
Physician,
may
determine
that You
should be
transported
back to Your
Home Country
for
continued
Treatment
|
Up to the maximum benefit amount
|
Up to the maximum benefit amount
|
ACCIDENTAL DENTAL
for repair
of natural
or
permanently attached
artificial
teeth which
are damaged
by an
Accidental
Injury to
the head or
mouth
|
Up to $2,000
|
Up to $4,000
|
DENTAL EMERGENCIES
to relieve
acute pain
and
suffering
not related
to an
Accidental
Injury.
|
Up to $300
|
Up to $500
|
REPATRIATION OF REMAINS
|
$10,000
|
$16,000
|
CREMATION/BURIAL AT DESTINATION
|
$4,000
|
$6,000
|
IDENTIFICATION OF REMAINS
|
Round-trip Air +
$450 Expenses
|
Round-trip Air +
$450 Expenses
|
VISIT TO BEDSIDE
|
-
|
Airfare $3,000 +
$1,000 Expenses
|
ACCOMMODATION & MEALS
|
Not covered
|
$150/day, maximum $1,500
|
RETURN/ESCORT OF DEPENDENT CHILDREN
|
Not covered
|
$3,000
|
HOSPITAL STAY ALLOWANCE
|
Not Covered
|
Up to $250
|
RETURN OF BAGGAGE & PERSONAL EFFECTS
|
Not covered
|
$500
|
ACCIDENTAL DEATH & DISMEMBERMENT
Up to the aggregate limit selected at the time of application
for accidental loss of life, limb, sight or hearing.
|
Not covered
|
up to $100,000
|
WAIVED DEDUCTIBLE
|
First $250
deductible
waived when
hospitalized
for 72
consecutive
hours
|
First $1,000
deductible
waived when
hospitalized
for 72
consecutive
hours
|
COVERAGE FOR PRE-EXSITING
MEDICAL CONDITIONS
|
No coverage
|
Click here
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Exclusions and
limitations
Visitors to Canada
medical insurance does not cover everything.
This insurance has exclusions, conditions
and limitations.
Pre-Existing Condition Exclusion
Essential Plan does not provide coverage for
pre-existing conditions or related medical conditions that existed during the 180 day period immediately prior to your Policy Start Date.
Premier Plan does not pay for claims resulting from pre-existing medical
conditions a or related medical conditions, which haven not been STABLE as follows:
a) For ages 69 and under
on the Start Date:
- any Pre-Existing
Condition or Medical Condition that was not
Stable and Controlled during the 180-day
period immediately prior to Your Start Date.
b)
For ages 70 to 79 on
the Start Date:
-
any Pre-Existing
Condition or Medical Condition that was not
Stable and Controlled during the 180-day
period immediately prior to Your
Start Date; and
-
any of the following
Pre-existing Conditions that were present on
Your Start Date:
▪ Any heart condition
including but not limited to heart attack,
angina, arrhythmia or cardiac surgery;
▪ Any brain condition
including but not limited to stroke,
transient ischemic attack (TIA),
mini-stroke, aneurysm or seizure;
▪ Any lung condition
including but not limited to chronic
obstructive pulmonary disease (COPD),
asthma, chronic bronchitis or emphysema.
c)
For ages 80 and over
on the Start Date, any Pre-Existing
Condition or Medical Condition that was
present on Your Start Date.
Stable and Controlled
means:
- there has not been any new Treatment prescribed or recommended,
or change(s) to existing Treatment (including a stoppage in Treatment); and
- there has not been any change to any existing prescribed drug
including an increase, decrease, or stoppage to prescribed dosage),
or any recommendation or starting of a new prescription drug.
(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); and
- the Medical Condition has not become worse; and
- there has not been any new, more frequent or more severe symptoms; and
- there has been no hospitalization or referral to a specialist; and
- there have not been any tests, investigation or Treatment recommended,
but not yet complete, nor any outstanding test results; and
- there is no planned or pending Treatment.
Some Other Exclusions
▪ The cost of
replenishing any medication that was in use
on Your Departure Date or for the
maintenance of any course of Treatment that
commenced prior to Your date of arrival in
Canada.
▪ Your mental,
emotional or nervous disorders resulting
from any cause, including but not limited to
anxiety or depression.
▪ Pregnancy,
childbirth, complications of pregnancy or
childbirth, or voluntarily induced abortion;
or a child born during Your Period of
Coverage.
▪ Recurrence of a
Medical Condition or subsequent Emergency
Treatment or hospitalization for a Medical
Condition or related Medical Conditions for
which You had received Emergency Treatment
during Your Period of Coverage.
▪ Your participation in
organized professional sporting activities;
driving a motorcycle, moped, or scooter
(unless You hold an applicable valid
Canadian drivers license); Your riding,
driving or participating in races of speed
or endurance.
Note: This is a summary
of benefits. For the full details of
coverage, eligibility, exclusions,
limitations and claims procedures, please
refer to the Policy Wording or call us for
consultation.
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If
you have questions about this insurance coverage, or need help
to complete the application, or want to buy insurance 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 need medical attention.
Have Your Policy number or confirmation of
coverage with you at all times. Contact the Travelance
assistance provider at the telephone numbers listed below.
Access is available 24 hours per day, 365 days per year at the
following numbers. 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
Elsewhere Operator Assisted Collect
905-667-0587
Direct Dial 1-905-667-0587
Email: assistance@oldrepublicgroup.com
When contacting the Travelance assistance
provider, please provide Your name, Your policy number, Your
location and the nature of the Emergency.
Important Notice regarding claim procedure !
You, or
someone on your behalf, are required to immediately
contact the Emergency Assistance Provider at the telephone
numbers above before admission to Hospital or within 24 hours
after a life or organ threatening Emergency. Failure to do so
will result in you being responsible for 20% of any eligible
expenses incurred.
All diagnostic tests and laboratory
procedures, x-rays, surgeries, and rental or purchase of
therapeutic supplies must be pre-approved by the insurer.
Consult the claim guideline on your Policy Wording.
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