Monday, September 23rd, 2019
Administrated by: The Destination: Travel Group Inc.
Underwritten by: The Manufacturers Life Insurance Company (Manulife)
24 hours Emergency Assistance Center: Active Care Management
Maximum Benefits: $5,000,000
Ambulance Transportation: Licensed local ground or air ambulance service. Sea and mountain evacuation is limited to $5,000.
Emergency Hospital: semi-private hospital accommodation.
Physicians – in and out of a hospital
Private Duty Nurse – up to $5,000 for services of a registered nurse*
Diagnostic Services: Lab tests and X-ray examinations ordered by a physician. Note: MRI, CAT scans, sonograms, ultrasounds and biopsies must be pre-approved*
Prescription drugs or medicines, limited to 30-day supply per prescription (unless you are hospitalized)
Medical Appliance: Rental or purchase (whichever is less) of a wheelchair, brace, crutch or other medical appliance*
Professional Medical Services – care received from a licensed chiropractor, osteopath, physiotherapist or podiatrist, up to $350 per category of practitioner, when referred by a physician*
Accidental Dental: Up to $3,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
Dental Emergencies: Up to $500 for the immediate relief of acute dental pain, outside your province/territory of residence.
Expenses to return children under your care: up to the cost of a one-way economy airfare to transport your insured children or grandchildren to their original point of departure if you are admitted to the hospital for more than 24 hours or must be medically repatriated due to an emergency; if necessary, the extra cost for a qualified caregiver to escort your children*
Return of Vehicle: Up to $2,500 to return a vehicle if neither you, nor someone traveling with you, are able to drive your vehicle to your original departure point as a result of an emergency.
Return to Original Trip Destination – up to $5,000 to return you to your original trip destination, when you have recovered from the emergency (if you have been returned to Canada for treatment)*
Meals and Accommodation - up to $150 per day to a maximum of $1,500 for meals, hotel, phone calls and taxis, if an emergency prevents you or your travel companion from returning to your province/territory of residence as originally planned or if your emergency medical treatment or that of your travel companion requires your transfer to a location that is different from your original destination.
Expenses Related to your Death: In the event of death from covered condition, up to $5,000 for the preparation of your body and the cost of the transportation container plus the transportation costs to return your body home; or up to $2,000 to cremate your body at the place of death; or up to $5,000 for the preparation of your body and for your burial at the place of death.
Bedside Companion: the cost for a round-trip economy airfare, to bring a bedside companion to you and up to $150 per day to maximum of 1,500 for meals and commercial accommodation, if you have been hospitalized for at least 72 consecutive hours*
Pet Return – up to $300 to return the insured’s accompanying dog or cat to Canada, if the insured is returned to Canada or hospitalized.
Hospital Allowance: up to $50 per day, to a maximum of $250, for additional out-of-pocket expenses (i.e. telephone, television rental) when you are hospitalized for 48 hours or more.
* Must be pre-approved by the Assistance Centre.
You must purchase this insurance prior to your departure date from your province/territory of residence.
To be eligible for coverage you must, as of the date you apply for coverage and the effective date:
(i) be at least 15 days old and under age 75, and
(ii) be covered by the government health insurance plan (GHIP) of your Canadian province/territory of residence for the entire duration of your trip.
You are NOT ELIGIBLE for coverage if you have been diagnosed with or treated for any of the following:
- Terminal illness; or
- AIDS or HIV, or
- Aneurysm that has not been surgically repaired; or
- Metastatic cancer or cancer of the liver, pancreas or bone; or
- Organ transplant (heart, lung, liver, kidney); or
- Kidney failure requiring dialysis.
In addition to the above, if on your policy effective date you are 55 years old or older, you are not eligible if you have been diagnosed with or received treatment for any of the following:
- a heart condition, lung condition (excluding asthma), diabetes (excluding diet controlled), stroke, mini-stroke or transient ischemic attack (TIA); or
- Cirrhosis of the liver; or
- Crohn’s disease or ulcerative colitis.
If you are between the ages of 0 to 54, you may purchase a Single Trip plan for a period of up to 365 days. If you are age 55 to 74, you may purchase a Single Trip plan of up to 25 days.
The Annual Multi-Trip Plan option is only available to applicants age 0 to 54.
Pre-existing medical conditions exclusion: Benefits are not payable for costs incurred due to, contributed to by, or resulting from any pre-existing medical condition or related condition (other than a minor condition) that was not stable at any time during the 90 days prior to the policy effective date.
Minor condition describes a sickness or injury during the stability period which ended prior to the policy effective date and which did not require:
a) treatment for a period longer than 15 consecutive days; or
b) more than one follow-up visit to a physician; or
c) hospitalization, surgery, or referral to a specialist; and
d) which ended at least 30 days prior to the departure date.
Pre-existing medical condition means a sickness, injury or medical condition, whether or not diagnosed by a physician:
a) for which you exhibited signs or symptoms; or
b) for which you required or received medical consultation; and
c) which existed prior to your departure date from your province or territory of residence.
Stable describes any medical condition or related condition for which in the 90 days immediately before the policy effective date:
a) there has been no new treatment or new medication; and
b) there has been no alteration in any medication for the condition or in its usage or in its dosage; and
c) there has been no change in treatment frequency or type; and
d) there has been no signs or symptoms or new diagnosis; and
e) there has been no test results showing deterioration; and
f) there has been no hospitalization; and
g) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery or the results of investigations performed by any medical professional.
You can extend your coverage before you leave your province or territory of residence.
If you decide to apply for additional coverage before you have left your province or territory of residence, contact the agent where coverage was originally purchased.
If you decide to apply for additional coverage after you have left your province or territory of residence, you may apply for a new term of coverage if you:
a) are in good health; and
b) have no reason to seek medical consultation during the new term of coverage.
If you have incurred a claim, the Assistance Centre will review your file before deciding on granting an extension.
The Assistance Centre reserves the right to decline any request for new terms of coverage.
Each policy or term of coverage is considered a separate contract and all limitations and exclusions will apply.
The recurrence of a medical condition(s) or related condition(s) that were present during the original term of the policy will not be covered under this policy during any extension period.
DTGI will only consider requests for a refund if you did not leave on your trip or if you returned early from your trip and:
(a) no claim has been incurred or paid, or is pending; and
(b) you send a written request with proof of your non-departure or early return before your coverage period ends.
No claim will be paid if you have received a refund of premium for unused days.
Refunds will be calculated on a pro-rated basis from the date postmarked on your written request if mailed, or on the date such faxed request is received by the Destination: Travel Group Inc. and are subject to a $25.00 cancellation fee and a minimum refund of $10.00. Under no condition will a refund be made after the policy effective date of an Annual MultiTrip Plan or for an early return during a coverage extension period.
In the event of a medical emergency, you must notify the Assistance Centre (toll free 1-833-886-1068 or worldwide collect 519-945-1068) prior to any surgery being performed or within 24 hours of admission to a hospital.
If you fail to notify the Assistance Centre, without reasonable cause, it will result in the reduction of eligible benefit amounts payable by 20%. You will be responsible for any expenses that are not payable by the insurer.
1. Claims must be reported within 30 days of occurrence.
2. Written proof of claim must be submitted within 90 days of occurrence.
3. Any costs incurred for documentation or required reports are your or the claimant’s responsibility.
4. To submit your claim, fill out the claim form completely and include all original bills. Incomplete information will cause delay.
5. All eligible claims must be supported by original receipts from commercial organizations.
SUBMIT CLAIMS TO:
Active Care Management
PO Box 1237, Station A
Windsor, ON, N9A 6P8
For Online Claim Submission visit https://manulife.acmtravel.ca
1. Pre-existing medical conditions exclusion:
Benefits are not payable for costs incurred due to, contributed to by, or resulting from any pre-existing medical condition or related condition (other than a minor condition) that was not stable at any time during the 90 days prior to the policy effective date.
2. Benefits are not payable for costs incurred due to, contributed to by, or resulting from any medical treatment that is not an emergency, elective, or the consequence of a prior elective procedure.
3. Benefits are not payable for costs incurred due to, contributed to by, or resulting from medical care or services where travel was undertaken contrary to medical advice or after notice of a terminal illness has been given.
4. Benefits are not payable for costs incurred due to, contributed to by, or resulting from exceeding the reasonable and customary rate for the area where the treatment or services are being performed.
5. Benefits are not payable for costs incurred due to, contributed to by, or resulting from ongoing or followup treatment, rehabilitative care, or the recurrence of a medical condition or related condition once the emergency is declared over by the attending physician.
6. Benefits are not payable for costs incurred due to:
(i) any loss resulting from your minor mental or emotional disorder; and/or
(ii) your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.
Minor mental or emotional disorder means: - having anxiety or panic attacks, or; - being in an emotional state or in a stressful situation. A minor mental or emotional disorder is one where your treatment includes only minor tranquilizers or minor anti-anxiety medication (anxiolytics) or no prescribed medication at all.)
7. Benefits are not payable for costs incurred due to, contributed to by, or resulting from transplants, including but not limited to cornea or organ transplants or bone marrow transplants, artificial joints, prosthetic devices or implants including any associated charges.
8. Benefits are not payable for costs incurred to obtain treatment outside your province or territory of residence whether or not recommended by your attending physician.
9. Benefits are not payable for costs incurred due to, contributed to by, or resulting from any treatment which can be reasonably delayed until you return to Canada (whether or not you intend to return) by the next available means of transportation, unless approved in advance by the Assistance Centre.
10. Benefits are not payable for costs incurred due to, contributed to by, or resulting from a recurrence or complication of the sickness, injury or medical condition that resulted in you being returned to your province or territory of residence if you elect to resume your trip after being returned to Canada.
11. Benefits are not payable for costs incurred due to, contributed to by, or resulting from treatment or services that contravene, or are prohibited by legislation under a provincial or territorial hospital/medical plan.
12. Benefits are not payable for costs incurred due to, contributed to by, or resulting from:
(i) routine prenatal or post-natal care; or
(ii) elective treatment; or
(iii) pregnancy, childbirth or complications thereof after the 31st week of pregnancy; or
(iv) high-risk pregnancy; or
(v) a child born during a trip.
13. Benefits are not payable for costs incurred due to, contributed to by, or resulting from death or injury if at the time of the loss, death or injury, evidence supports that you were affected by, or the medical condition causing the loss was in any way contributed to by:
(i) your abuse of alcohol; or
(ii) your use of prohibited drugs or any other intoxicant; or
(iii) your non-compliance with prescribed treatment or medical therapy before or after the policy effective date; or
(iv) your use of medication or drugs that have not been approved by the appropriate government authority; or
(v) your misuse of medication before or after the policy effective date.
14. Benefits are not payable for costs incurred due to, due to, contributed to by, or resulting from any :
(i) act of war; or
(ii) kidnapping; or
(iii) act of terrorism (limited coverage applies with respect to an act of terrorism as described in the Act of Terrorism Coverage provision); or
(iv) riot, strike or civil commotion; or
(v) unlawful visit in any country.
15. Benefits are not payable for costs incurred due to, contributed to by, or resulting from rock or mountain climbing; hang-gliding, parachuting, bungee jumping, or skydiving; participation in a motor sport or motor racing; your professional participation in an organized sport; or scuba diving (except if certified by internationally recognized and accepted program such as NAUI or PADI, or if diving depth does not exceed 30 meters).
16. Benefits are not payable for costs incurred due to, contributed to by, or resulting from a motor vehicle accident where you are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance except when such benefits are exhausted.
17. Benefits are not payable for costs incurred due to, contributed to by, or resulting from your engagement in manual labour for wages or profit including the operation of transport vehicles; performing employment duties on any aircraft or ship; or performing duties in any regular armed forces service.
18. Benefits are not payable for costs incurred due to, contributed to by, or resulting from operating or learning to operate any aircraft, as pilot or crew.
19. Benefits are not payable for costs incurred due to, contributed to by, or resulting from the participation by you or your travelling companion in:
(i) protests; or
(ii) armed forces activities; or
(iii) a commercial sexual transaction; or
(iv) the commission or attempted commission of any criminal offence; or
(v) the contravention of any statutory law or regulation in the area where the loss occurred.
20. Benefits are not payable for costs incurred in your province or territory of residence.
21. Benefits are not payable for costs incurred due to, contributed to by, or resulting from any loss incurred in a city, region, or country when, prior to the policy effective date, that the Canadian government issued a warning to avoid all travel, or to avoid non-essential travel to that city, region, or country, and such injury or sickness is due to, contributed to by, or resulting from the reason for the warning.
22. Benefits are not payable for costs incurred due to, contributed to by, or resulting from Sexually Transmitted Infections.
- Family coverage is only available for applicants up to age 54. Premium is based on the oldest member of the family.
- Child or children means financially dependent unmarried natural, adopted or step-children who are:
a) under 21 years of age; or
b) under 26 years of age if a full-time student;
c) of any age, who are mentally or physically disabled.
Destination Travel Group Inc. supports THiA Bill of Rights. For more information, go to www.thiaonline.com/Travel_Insurance_Bill_of_Rights_and_Responsibilities.html
IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.
Destination: Travel Leisure Plan POLICY PDF