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Monday, November 19th, 2018

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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 Rate Category A, B and C.

Coverage must be purchased prior to departure from Canada (from your province/territory of residence for Canada only plan)
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: 
- Rate Category  A - STABLE in the last 3 months.
- Rate Category  B - STABLE in the last 6 months.
- Rate Category  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 (from your province/territory of residence for Canada only plan).
Deductible and (discounts) age 60 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 59 and under - look back 90 days. If your condition has been STABLE - it will be covered.
Age 60 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.

You must purchase this insurance prior to your departure date from your province/territory of residence.
Deductible and (discounts): $0 (0%), $300 (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%); $250 (10%); $1,000 (20%) and $5,000 (30%)


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: No coverage or reimbursement for expenses related to routine pre-natal or post-natal care and pregnancy, delivery or complications of either the pregnancy or delivery, which occur nine (9) weeks before the expected date of delivery or anytime after. No coverage or reimbursement for expenses related to your child born during the trip.

 

 

 

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


Pre-existing medical conditions stability period - 90 days prior to the effective date for age up to 59. if the insured is 60 years of age or over the required stability period depends on the answers to a medical questionnaire and it could be 90, 180 or 365 days

Pregnancy - Complications or childbirth are excluded after 31st week of pregnancy.

Applicants age 60 or older 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

The travel insurance must be purchased before the departure date and for the full duration of the trip, including the departure and return dates. 
Deductible: $0, $250, $500, $1,500, $2,500 and $5,000 per trip

Pre-existing medical conditions -
- Under 55 - 3 months look back for ANY pre-existing condition. 
- Age 55 to 75 with trips up to 32 days - 6 months
- Age 55 to 75 with trips longer than 31 days - 12 months
- Age 76 or over - 12 months stability is required

PREGNANCY, delivery or complications arising therefrom within 8 weeks preceding the expected date of delivery. (A child born during the first 32 weeks of pregnancy over the course of a trip is automatically covered by this insurance, if the medical costs of delivery and medical care to the mother are not excluded).

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

 

Destination Travel Group

Benefits, Exclusions,
Claims and FAQ

Policy PDF

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Maximum Benefit - $5,000,000
24 hours Assistance Center
Ambulance transportation (including mountain and sea rescue limited to $5,000)
Hospital (Semi-private room)
Diagnostic services 
Physician services
Prescription Drugs
 - 30-day supply per prescription
Accidental Dental - $3,000
Emergency Dental - $500
Funeral: $5,000 to return home or burial at the place of death or $2,000 for cremation.
Bed-side companion benefit
Return of dependent children
Return of vehicle or watercraft - $2,500
Pet return - $300 
Return to Original Trip destination - $5,000



You must purchase this insurance prior to your departure date from your province/territory of residence.

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 stability period - 90 days prior to the policy effective date.

Pregnancy, childbirth or complications thereof after the 32nd week of pregnancy are excluded from coverage.

 

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