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Friday, October 20th, 2017

GMS
Travel Insurance
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Administrated by: GMS Insurance Inc.
Underwritten by: GMS Insurance Inc.
24 hours Emergency Assistance Center: GMS Insurance Inc.

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.

Note: This plan is not available for travellers from Quebec and New Brunswick.

BENEFITS:
 - Emergency Medical Expenses maximum benefit: $5,000,000
 - Hospital Room - semi-private.
 - Physicians or surgeons.
 - Diagnostic Services: Lab tests and X-ray examinations ordered by a physician. Magnetic resonance imaging, computerized axial tomography scans, sonograms, ultrasounds, and biopsies have to be pre-authorized by GMS.
 - Ambulance Transportation: Licensed local land ambulance, when necessary, to the nearest hospital.
 - Remote Evacuation – up to $5,000 for evacuation from a mountainous region, remote location or sea to the nearest, most accessible hospital.
 - Prescription drugs or medicines - 30 day supply.
 - Private Duty Nursing – up to $5,000.
 - Professional Medical Services – care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist, and/or podiatrist, up to $300 per person.
 - Funeral Expenses: In the event of death from covered condition, up to $3,000 is provided to return the body home, or up to $2,000 for cremation or burial at the place of death.
 - Accidental Dental: Up to $2,000 for repair or replacement of natural teeth or permanently attached artificial teeth, damaged by an accidental blow to the face.
 - Dental Emergencies: Up to $250 for treatment or relief of acute dental pain.
 - Child Care - up to $500, with prior GMS approval, for licensed care of dependant, should you be hospitalized due to a medical Emergency.
 - Out of pocket expenses - up to $150 per day to a maximum of $1,000 for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member in the event that you are hospitalized. This benefit must be pre-approved by GMS.
 - Air Ambulance - Expenses for the use of an air ambulance or regularly scheduled airline to transport you back to your province of residence for further in-hospital treatment, upon the written recommendation of the attending physician and with prior GMS approval. This benefit excludes helicopter transports.
 - Special Attendant to accompany you back to your province of residence, if medically necessary and pre-approved by GMS
 - 
Return of Family Member  up to $1,000, for the return of one (1) covered, accompanying family member if GMS requires that you return to Canada for immediate medical treatment or in the event of your death.
 - Family to Bedside up to $3,000 to bring family member or a close friend, and reimbursement of up to $150 per day to a maximum of $750 for reasonable expenses incurred by the transported person, once they arrive if you have been hospitalized for more than 3 consecutive nights. This benefit must be pre-approved by GMS.
 - Return of Vehicle – up to $2,000, for returning your vehicle, to your residence if you have been transferred to Canada due to covered illness or injury.
 - Return of Cat or Dog – Reimbursement up to $300 to return your cat or dog to your province of residence.
 - Escort of Insured Dependant - to return an accompanying child/children (up to the age of eighteen (18) years)

Some of the benefits must be pre-approved and arranged by GMS. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits.

ELIGIBILITY:

You must purchase the plan prior to your departure date from your province of residence.

You must have valid provincial health coverage for this insurance to be valid

1. You are not eligible if you:
    a. have an Implantable Cardioverter Defibrillator (ICD);
    b. have ever been diagnosed with congestive heart failure (CHF);
    c. are awaiting further tests or treatment for heart disease which includes but is not limited to angina, irregular heartbeat, heart attack, ischemic heart disease, valvular heart disease and myocardiopathy;
    d. require insulin to treat diabetes and also take prescription medications for heart disease (see "c" above for heart disease description);
    e. have been diagnosed with metastatic cancer;
    f. have cancer (except breast or prostate cancer treated exclusively with hormonal therapy or basal cell carcinoma) which requires chemotherapy, radiotherapy or other medical treatment other than routine follow-up;
    g. have any vascular aneurysm that remains surgically untreated;
    h. have undiagnosed episodes of fainting or falling (syncope);
    i. take oral steroids for a lung condition;
    j. are 70 years of age or older and require assistance from another person with activities of daily living (ADL) which include, but are not limited to dressing, feeding, transferring, bathing, bowel and bladder management; or
    k. have any medical condition necessitating the use of home oxygen
2. You are not eligible if, within the 12 months period of applying, you have been diagnosed with any of the following conditions or you have any of the following conditions which have not been stable for 12 months prior to applying:
  a. Acquired Immune Deficiency Syndrome (AIDS);
  b. a terminal illness (an advanced stage of a progressive disease with an unfavourable prognosis and no known cure);
  c. atrial flutter;
  d. atrial/ventricular fibrillation;
  e. peripheral vascular disease;
  f. stroke/transient ischemic attack (TIA);
  g. blood cloth(s);
  h. gastrointestinal bleeding; and/or
  i. kidney/liver failure
3. You are not eligible if, within 12 months of applying, you have undergone any of the following procedures:
  a. kidney dialysis;
  b. valve surgery or replacement; and/or
  c. organ, stem cell and/or bone marrow transplant.
4. You are not eligible if you are not a Canadian resident with valid provincial health coverage for the entire duration of your trip.
5. You are not eligible to purchase after your departure date or if you are outside of your province of residence, unless purchased as a top-up to an existing GMS policy.
6. You are not eligible if your total trip length exceeds the total number of days allowable under your government health plan.

Should any changes in your health occur after the application date and prior to the effective date, GMS must be contacted and the application updated.

1. You are not eligible if you:
   a. have an Implantable Cardioverter Defibrillator (ICD);
   b. have ever been diagnosed with congestive heart failure (CHF);
   c. are awaiting further tests or treatment for heart disease which includes but is not limited to angina, irregular heartbeat, heart attack, ischemic heart disease, valvular heart disease and myocardiopathy;
   d. require insulin to treat diabetes and also take prescription medications for heart disease (see "c" above for heart disease description);
   e. have been diagnosed with metastatic cancer;
   f. have cancer (except breast or prostate cancer treated exclusively with hormonal therapy or basal cell carcinoma) which requires chemotherapy, radiotherapy or other medical treatment other than routine follow-up;
   g. have any vascular aneurysm that remains surgically untreated;
   h. have undiagnosed episodes of fainting or falling (syncope);
   i. take oral steroids for a lung condition;
   j. are 70 years of age or older and require assistance from another person with activities of daily living (ADL) which include, but are not limited to dressing, feeding, transferring, bathing, bowel and bladder management; or
   k. have any medical condition necessitating the use of home oxygen
2. You are not eligible if, within the 12 months period of applying, you have been diagnosed with any of the following conditions or you have any of the following conditions which have not been stable for 12 months prior to applying:
   a. Acquired Immune Deficiency Syndrome (AIDS);
   b. a terminal illness (an advanced stage of a progressive disease with an unfavourable prognosis and no known cure);
   c. atrial flutter;
   d. atrial/ventricular fibrillation;
   e. peripheral vascular disease;
   f. stroke/transient ischemic attack (TIA); 
   g. blood cloth(s);
   h. gastrointestinal bleeding; and/or
   i. kidney/liver failure
3. You are not eligible if, within 12 months of applying, you have undergone any of the following procedures:
   a. kidney dialysis;
   b. valve surgery or replacement; and/or
   c. organ, stem cell and/or bone marrow transplant.
4. You are not eligible if you are not a Canadian resident with valid provincial health coverage for the entire duration of your trip.
5. You are not eligible to purchase after your departure date or if you are outside of your province of residence, unless purchased as a top-up to an existing GMS policy.
6. You are not eligible if your total trip length exceeds the total number of days allowable under your government health plan.
Should any changes in your health occur after the application date and prior to the effective date, GMS must be contacted and the application updated.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:

PRE-EXISTING CONDITIONS:
 a) your medical condition and/or related condition and/or symptoms (whether or not the diagnosis has been determined) if at any time in the one hundred eighty (180) days preceding your departure date your medical conditions or related conditions and/or symptoms have not been stable;
 b) if at any time in the one hundred eighty (180) days prior to your departure date:
     i) any heart condition, has not been stable;
    ii) any lung condition has not been stable.

STABLE: any medical condition or related medical condition for which:
 a) there have been no new symptoms, more frequent or more severe symptoms;
 b) there has been no change in treatment or change in medication (*);
 c) A dosage adjustment of an anti-hypertensive or cholesterol lowering medication done in the pre-existing timeframe does not constitute a change;
 d) there has been no deterioration of your medical condition;
 e) there has been no hospitalization or referrals to a specialist including initial follow-up visits, tests or investigations booked in conjunction with a medical condition/symptom;
 f) there is no further testing, treatment or investigation booked or results pending;
 g) you have not experienced a symptom that remains undiagnosed;
 h) no further medical treatment after departure would be anticipated.

(*) Any newly prescribed medication, change in medication type, increase/decrease in dosage or discontinuation of a medication constitutes a change. It does not include a change from a brand name medication to a generic brand medication of the same dosage. If you are taking Coumadin/Warfarin for anticoagulation therapy or are insulin dependent or take oral medication for diabetes and are required to have your blood levels tested on a regular basis and your medical condition remains unchanged, yet you are required to adjust the dosage of your medication only to ensure correct blood levels are maintained, this is not considered a change in medication, except for an adjustment (stop and start) in an anticoagulation medication dosage due to surgery within ten (10) days prior to your departure date or, if used as a top-up, on the effective date, constitute a change.

PREGNANCY: Pregnancy, miscarriage, childbirth or complications of any of these conditions occurring after the first eighteen (18) weeks of pregnancy.

OTHER EXCLUSIONS: The following expenses are not covered by the policy and no payment for these claims will be made:
- Expenses resulting from the regular care of a chronic condition.
- Expenses arising from conditions that you were tested for prior to departure for which results were not yet received will not be covered.
- When you travel to a country after such time that a travel advisory has been issued by the Canadian government recommending that Canadians do not travel to such country, or to specific regions within such country.
- Any advice, investigation, treatment, hospitalization or surgery, which is a continuation of, subsequent to or a recurrence of an emergency medical treatment of a sickness or injury.
- Transplants at your destination, including but not limited to organ transplants, bone marrow or stem cell transplants.
- Routine or general physical examinations, check-ups or services of a continued nature following emergency treatment of a sickness or injury.
- Any endovascular surgical procedures, either done individually or in combination with conventional surgical procedures
- Expenses resulting of any criminal,  illegal activity; intentional self-injury, suicide or  attempted suicide; pre-existing mental illness; alcohol or drugs abuse; any participation in the armed forces.
- Expenses resulting from participation in professional sports, any speed contest, SCUBA diving (unless PADI, ACUC or SSI certified), extreme sports including but not limited to: parachuting, mountaineering skydiving, rodeo, hang gliding, bungee cord jumping, acrobatic or stunt flying or a flight accident unless riding as a passenger on a commercially licensed airline.
- Expenses for persons holding a work visa from the country to which they are traveling while working; or for persons working in hazardous occupations.
- Expenses resulting from any nuclear reaction, radiation or radioactive contamination or occurrence, where the risk of the exposure was present prior to your departure, however caused.

CLAIMS: 
You or someone on your behalf must contact GMS prior to treatment whenever possible. Failure to contact GMS within twenty-four (24) hours of receiving medical treatment or admission to hospital will limit benefits, otherwise payable to you, to 70% of eligible expenses to maximum of $50,000. Emergency phone numbers: Toll free within Canada and the USA: 1-800-459-6604 and Collect call from all other locations: 905-726-5196.

Claims Instructions:
1. Complete a claim form and attach all original itemized medical bills and prescription receipts.
2. Sign and date completed form and return package to:
Allianz Global Assistance 
2100-250 Yonge Street
Toronto, ON, Canada M5B 2L7

 - A completed Travel Emergency Medical Claim Form must be submitted within ninety (90) days of the illness or injury.
 - All documents for payment of eligible expenses must be received by GMS within thirty (30) days of your return home and no less than twelve (12) months from the date the last eligible expense was incurred.
 - Any action brought against GMS to recover on this policy must be brought within twelve (12) months from the date the claim form was first submitted. 

Please keep a copy of all the submitted correspondence for your records.

FAQ:

Specific Conditions:
When taking multiple trips outside of Canada under the Multi-Trip Annual Travel plan, you must return to your province of residence for a minimum of seventy-two (72) hours prior to making a subsequent trip. This condition does not apply in cases where trip duration is less than fourteen (14) days. However, all conditions and exclusions are applicable to each subsequent trip.

EXTENSIONS:
Automatic Extensions: if coverage expires while hospitalized due to an emergency, coverage will continue to you, your spouse and any dependants for whom coverage is purchased and listed on the application, up until seventy-two (72) hours after discharge from hospital.
Extensions: You may purchase an extension if you are extending the length of your trip, while you are outside your province of residence provided that GMS is notified two (2) working days prior to the expiration date of the existing coverage and you have not required medical services during your entire trip. Payment must be made using a Visa or MasterCard credit card. If you have a Multi-Trip Annual Travel plan, extensions are available by purchasing a TravelStar® Single Trip Daily Travel plan.

REFUNDS:
For the Single Trip Daily Travel plan, refunds will be made as follows:
   Full refunds are available when your policy is cancelled before your effective date.
   If an insured person makes a claim under the family plan, i.e. when an adult is travelling with dependants under the age of 16 who are provided with coverage at no charge, no partial refund are permitted.
  For all others, partial refunds are available to each insured person who has not incurred a claim if returning to his/her province of residence prior to the expiry date of the policy.
  To apply for a partial refund written notice with proof of early return to your province of residence must be received by GMS no later than 30 days from the date you return.
  A partial refund will be calculated using the number of unused days and the daily rate applied based on your original trip length and the refund amount payable must be in excess of $5. You will no longer be eligible for any claim reimbursement once a refund has been issued. 

For the Multi-Trip Annual Travel plan, refunds will be make as follows:
  Full refunds are available when your policy is cancelled before your effective date.
  Partial refunds are available for an insured person in the event of his/her death, provided that no claims have been incurred under the policy.

About GMS
Group Medical Services (GMS) has been providing health and travel insurance coverage since 1949. GMS is expert in emergency medical coverage and offer a wide range of flexible plans at competitive rates. GMS is a non-profit corporation based in Regina, Saskatchewan.

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.

 

DOWNLOADS:

GMS Travel Insurance POLICY PDF

GMS Trip Cancellation POLICY PDF

GMS Travel Insurance CLAIM FORM PDF

 

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