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Friday, June 23rd, 2017

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Benefits

Limitations

 

MANULIFE


Benefits, Exclusions,
Claims and FAQ

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Maximum Benefit - $10,000,000
24 hours Assistance Center
Ambulance – local transportation
Emergency air transportation - Air ambulance
Hospital (semi-private room)
Diagnostic services
Physician services
Prescription Drugs
Accidental Dental
- $3,000
Emergency Dental - $300
Funeral: $5,000 for preparation
and $5,000 for transportation or burial.
Bed-side companion
benefit
Return
of Travelling Companion
Return of dependent children
Return of vehicle - $2,000
STABLE pre-existing medical conditions coverage is included in Plan A, B and C.

Deductible and (discounts): $0 (0%), $500 (15%), $1,000 (20%), $5,000 (35%) and $10,000 (50%) Deductibles are in USD per claim.

Pre-existing medical conditions: 
- Plan A - STABLE in the last 3 months.
- Plan B - STABLE in the last 6 months.
- Plan C - STABLE in the last 12 months.

(Individual underwriting is available for conditions not stable in the required period)

Pregnancy - complications and child birth are not covered if happen in the 9 weeks before or after the expected date of delivery.

 

RSA

Benefits, Exclusions,
Claims and FAQ


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Maximum Benefit - $5,000,000
24 hours Assistance Center
Ambulance – local transportation
Emergency air transportation - Air ambulance
Hospital (semi-private room)
Diagnostic services
Physician services
Prescription Drugs - one month supply
Accidental Dental - $2,000
Emergency Dental - $350
Funeral: $5,000 to return home or for burial at the place of death.
Remote Evacuation - $5,000
Return of Travelling Companion
Return of dependent children & Grandchildren
Return of vehicle - $3,000 
Pet return - $500
STABLE pre-existing medical conditions coverage is included in all plans.

Coverage must be purchased prior to departure from Canada.
Deductible and (discounts) age 55 or over: $0 (0%), $250 (10%), $500 (15%), $1,000 (20%), $5,000 (40%) and $10,000 (55%). Deductibles are in USD per claim.
Pre-existing medical conditions: 
Age 54 and under - look back 90 days. If your condition has been STABLE - it will be covered.
Age 55 and over:
- Supreme, Elite and Preferred - 90 days look back. If your condition has been STABLE, it is covered.
- Advantage and Standard - 365 days look back.
(Individual underwriting is available for conditions not stable in the required period)
Pregnancy - complications and child birth are not covered if happen in the 9 weeks before or after the expected date.

 

TuGo



Benefits, Exclusions,
Claims and FAQ

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Maximum Benefit - $5,000,000
24 hours Assistance Center
Ambulance transportation (including mountain and sea rescue)
Emergency air transportation - Air ambulance
Hospital (Semi-private room)
Diagnostic services
Physician services
Prescription Drugs -
for 30 days.
Accidental Dental - $4,000
Emergency Dental - $500
Funeral: $10,000 to return home or $4,000 for burial at the place of death
Family to Bedside benefit
Return of Travelling Companion
Return of dependent children to the original point Return to Original Trip destination
Return of vehicle – up to $4,000
Return of Cat or Dog – up to $300
STABLE pre-existing medical conditions coverage available.

Deductible and (discounts): $0 (0%), $250 (15%), $500 (20%), $1,000 (25%), $2,000 (35%), $5,000 (45%), $50,000 (80%) and $100,000 (90%). Deductibles are per claim.

Pre-existing medical conditions:
Applicable to persons 59 years and under
a) On trips 35 days and less - 7 days look back.
b) On trips over 35 days, any condition which has remained STABLE in the 90 days prior to the effective date of a covered trip.
Applicable to persons 60 to 74 years
On all trip lengths, pre-existing conditions must be STABLE in the 180 days prior to the date of a trip.
Applicable to persons 75 and over
On all trip lengths, pre-existing conditions must be STABLE in the 365 days prior before the date of departure.
Pre-existing conditions that do not meet the criteria set out above are not covered.

PREGNANCY, routine pre-natal care, a child born during your trip, childbirth or complications thereof occurring within the 9 weeks immediately before or after the expected date of delivery are excluded.

 

 

GMS

Benefits, Exclusions,
Claims and FAQ

Policy PDF

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Maximum Benefit - $5,000,000
24 hours Assistance Center
Ambulance – local transportation
Emergency air transportation -
Air ambulance Hospital (Semi-private room)
Diagnostic services
Physician services
Prescription Drugs
- 30 days
Accidental Dental - $2,000
Emergency Dental - $250
Funeral: $3,000 to return home
or $2,000 for burial at the place of death
Return of family member – up to $1,000
Return of dependent children
Family to Bedside up to $3,000
Remote Evacuation - $5,000
Child Care - up to $500
Return of vehicle – up to $2,000
Return of Cat or Dog – up to $300
NOTE: This plan is not available for travellers from: Quebec and New Brunswick.

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


Deductible 
and (discounts): $0 (0%) and $250 (10%)


Pre-existing medical conditions: If at any time in 180 days before your departure date your medical conditions or related conditions and/or symptoms have not been STABLE – it will be excluded from coverage.

 

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

 

 

 

TRAVEL GUARD

Benefits, Exclusions,
Claims and FAQ

Policy PDF

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Maximum Benefit - $2,000,000
24 hours Assistance Center
Ambulance – local transportation
Emergency air transportation - Air ambulance
Hospital room

Diagnostic tests
Physician services
Prescription Drugs
Accidental Dental
- $1,500
Emergency Dental - $300
Funeral: $3,000 to return home or $2,000 for burial at the place of death.
Return of traveling companion
Return of dependent children
Bedside Companion benefit
Return to Your Original Trip Destination
Return of vehicle
Return of a pet – up to $500
STABLE pre-existing medical conditions coverage is available.
NOTE: This plan is not available for travellers from: Quebec.

Coverage must be purchased prior to departure from Canada.

Deductible and (discounts): $0 (0%), $200 (10%) and $500 (15%) USD.

Pre-existing medical conditions

- Medical Exclusion for Identifier ME#1 - 90 days before the effective date must be STABLE.
- Medical Exclusion for Identifier ME#2 - 180 days before the effective date must be STABLE.
- Medical Exclusion for Identifier ME#3 - 180 days before the effective date ANY pre-existing conditions are excluded from coverage.

Pregnancy
- complications and child birth are not covered if happen in the 9 weeks before or after the expected date.

 

 

 

Allianz


Benefits, Exclusions,
Claims and FAQ

Policy PDF

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Maximum Benefit - $10,000,000
24 hours Assistance Center
Ambulance transportation (including mountain and sea rescue)
Emergency air transportation -
Air ambulance Hospital (Semi-private room)
Diagnostic services
Physician services
Prescription Drugs
- $500 up to 1 month
Accidental Dental - $3,000
Emergency Dental - $500
Funeral: $10,000 to return home
or $4,000 for burial at the place of death
Family to Bedside and Child Care - up to $3,000
Return of Travelling Companion
Return of dependent children
Return of vehicle or watercraft - $5,000
Pet return - $300 
Return to Original Trip destination - $5,000

Deductible: $0

No coverage for ANY pre-existing conditions unless a medical questionnaire has been send and approved by the insurance company.

Pre-existing medical conditions - 180 days prior to the effective date for ANY medical condition are excluded from coverage.

Pregnancy - Complications or childbirth are excluded after 31nd week of pregnancy.
Applicants 61 old or over, travelling 61 days or more must complete a Medical Questionnaire.

 

 

BLUE CROSS

Benefits, Exclusions,
Claims and FAQ

Policy PDF

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Maximum Benefit - $5,000,000
24 hours Assistance Center
Ambulance - land transportation
Repatriation to residence - Air ambulance
Hospital (Semi-private room) 
Diagnostic services
Physician services
Prescription Drugs
Accidental Dental
- $2,000
Emergency Dental - $500
Funeral: $10,000 to return home or for burial and/or cremation at the place of death.
Return of traveling companion or child(ren)
Return of vehicle – up to $5,000
Return of a pet 
– up to $500
Baggage return – up to $300
Medical Follow-up in Canada

Deductible: $0

No coverage for ANY pre-existing conditions unless a medical questionnaire has been send and approved by the insurance company.

Pre-existing medical conditions -
- Under 61 - 3 months look back for ANY pre-existing condition. No coverage for STABLE medical conditions.
- Over 61 - 6 months look back for ANY pre-existing condition. No coverage for STABLE medical conditions.

PREGNANCY and complications arising therefrom within 8 weeks preceding the expected date of delivery.

NOTE: this plan is available in Ontario, Quebec, New Brunswick, Newfoundland, Nova Scotia and Prince Edward Island, 

 

 

21st CENTURY

Benefits, Exclusions,
Claims and FAQ


Policy PDF

 Quote & Buy Online

Maximum Benefit

$50,000 ($0 deductible) OR
- $200,000 ($500 deductible)

24 hours Assistance Center
Ambulance transportation
Emergency air transportation - Air ambulance
Hospital
(semi-private room)
Diagnostic services
Physician services
Return Travelling Companion
Funeral: $5,000 for preparation
and $5,000 for transportation or burial.
Return of vehicle - $2,000

STABLE pre-existing medical conditions coverage available.

 

Age - Up to age 79 for trips up to 60 days.
- Option 1 with a Coverage Limit of up to $50,000 and $0 deductible.
- Option 2 with a Coverage Limit of up to $200,000 and a $500 deductible per claim.
PRE-EXISTING CONDITIONS:
21st Century Travel Insurance will not pay any expenses relating to a pre-existing condition that is not STABLE in the six (6) months before your effective date.
Pregnancy - complications and child birth are not covered if happen in the 9 weeks before or after the expected date.

NOTE:
SaveAway provides a low-cost, limited coverage alternative to other travel insurance plans. It also provides limited benefits with lower maximums and the savings are passed on to you through lower premiums. There is the possibility that the cost of your claim could exceed your SaveAway Coverage Limit and you would be responsible for any expenses incurred that exceed that limit.

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