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Sunday, November 19th, 2017
Allianz Global Assistance
Travel Insurance 
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Administrated by: Allianz Global Assistance (AGA)
Underwritten by: CUMIS General Insurance Company, a member of The Co-operators group of companies.
24 hours Emergency Assistance Center: AGA Emergency Assistance.

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.

BENEFITS: 
- Maximum Benefits: $10,000,000 
- Emergency Hospital: private or semi-private hospital accommodation. 
- Physicians, surgeons, anaesthetist and registered graduate nurse.
- Diagnostic Treatments: Lab tests and X-ray examinations ordered by a physician.
- Ambulance Transportation: Licensed local air, land, or sea ambulance (including mountain or sea evacuation) to the nearest hospital when reasonable and necessary. 
- Emergency Transportation: air ambulance, one-way airfare, stretcher, and/or a medical attendant to the nearest appropriate medical facility or to a Canadian hospital. *
- Medical Appliance: Rental of crutches or hospital-type bed and the cost of splints, trusses, braces or other prosthetics appliances*
- Prescription drugs or medicines, 30-day supply, to a maximum of $1,000.
- Professional Medical Services (when referred by a physician) – care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist, podiatrist or acupuncturist, up to $500 per profession.
- Return of Deceased (Repatriation): In the event of death from covered condition, up to $15,000 to return the body home, or up to $4,000 for cremation or burial at the place of death. (The cost of a funeral service, coffin or urn is not covered.)
- Accidental Dental: Up to $4,000 for emergency treatment or services to 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, other than provided under Accidental Dental. 
- Out-of-Pocket Expenses – up to $3,500 for accommodation, meals, child care, telephone calls and taxi fares incurred by you or any insured persons remaining with you while you are hospitalized.
- Transportation of Family or Friend: Up to $3,000 for round-trip economy transportation, to bring up to two bedside companions (family member or close friend) to you and up to $1,000 for reasonable costs incurred after arrival (accommodation, meals, telephone calls, taxi fares) if you are hospitalized OR to identify your remains.*
- Return of Travelling Companion: One-way economy class airfare and/or the cost of an attendant, to return the insured’s travelling companions home if the insured is returned to Canada under the Emergency Transportation benefit. *
- Return of Vehicle or Watercraft: Up to $4,000 to return a vehicle or watercraft if the insured is unable to return to Canada with the vehicle or watercraft due sickness or injury.
- Pet Return – up to $500 to return the insured’s accompanying dog or cat to Canada, if the insured is returned to Canada under the Emergency Transportation benefit or hospitalized. 
- 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).
- Trip-Break – During the period of coverage you may return once to your province or territory of residence for up to 15 consecutive days without terminating your policy.
- Identity Fraud Recovery - up to $5,000 within 90 days of the end of your coverage for identity fraud that occurred during the period of coverage.
- Act of Terrorism aggregate limit (refer to policy).

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

OTHER PLANS (additional rates apply)
- Accidental Death & Dismemberment
- options $25,000, $100,000 and $250,000
- Trip Cancellation & Interruption - before departure: up to $20,000 and after departure: unlimited
- Flight Accident - options $200,000 and $500,000
- All-inclusive Package - Hospital and Medical up to $10,000,000; Trip Cancellation & Interruption up to $20,000; Accidental Death & Dismemberment $10,000; Flight Accident $50,000; Trip Interruption - unlimited and Baggage up to $500.
Please, contact us toll free 1-877-838-0020 if you would like to apply for any of the optional plans.

ELIGIBILITY:
To be eligible for coverage you must, as of the date you apply for coverage and the effective date:
a) be at least 15 days old and no more than 89 years old; and
b) be insured for benefits under a Canadian government health insurance plan during the entire period of coverage; and
c) not have been diagnosed with a terminal illness; or
d) not have been diagnosed with stage 3 or 4 cancer; or have received treatment for any cancer (other than basal or squamous cell cancer or breast cancer treated only with hormone therapy) in the last 3 months; or
e) not require assistance with activities of daily living as the result of a medical condition or state of health.
If you are age 60 or over, in addition to the preceding requirements, you are NOT eligible for coverage if, as of the date you apply for coverage and the effective date, you:
a) have been prescribed or used home oxygen for a lung/respiratory condition during the previous 12 months; or
b) had your most recent heart surgery more than 12 years ago or less than 6 months ago; or
c) have a diagnosed unrepaired aneurysm of 4 centimetres or greater, measured in either length or diameter; or
d) have received or are awaiting a bone marrow or major organ transplant; or
e) have been diagnosed with or received treatment for a kidney disease requiring dialysis; or
f) have ever been diagnosed with an auto-immune disorder; or
g) have ever been diagnosed with congestive heart failure.

PRE-EXISTING CONDITIONS:
- If you are age 59 or under, benefits are not payable for costs incurred due to or resulting from your medical condition or related condition, other than a minor ailment, that was not stable at any time during the 90 days immediately before the effective date.
- If you are age 60 or over, depending on your answers to the medical questionnaire, benefits are not payable for costs incurred due to or resulting from your medical condition or related condition, other than a minor ailment: 
            i. that was not stable at any time during the 90, 180, or 365 days immediately before the effective date; or 
            ii. for which you received treatment at any time during the 365 days immediately before the effective date; or 
            iii. for which you received treatment at any time before the effective date. 
Refer to your confirmation of coverage for the pre-existing conditions exclusion that applies to you.
- 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 the effective date of your coverage.

Stable describes any medical condition or related condition, including any heart condition or lung/respiratory condition, for which: 
a) there has been no new treatment; and 
b) there has been no change in treatment or change in treatment frequency or type; and 
c) there have been no signs or symptoms or new diagnosis; and 
d) there have been no test results showing deterioration; and 
e) there has been no hospitalization; and 
f) there has been no referral to a specialist (made or recommended) and you are not awaiting the results of further investigations performed by any medical professional. 
The following are also considered stable: 
a) Routine (not prescribed by a physician) adjustment of insulin to control diabetes provided the insulin was not first prescribed during the time period specified in the Pre-Existing Conditions Exclusion shown on your confirmation of coverage. 
b) Change from a brand name medication to a generic medication provided the medication was not first prescribed during the time period specified in the Pre-Existing Conditions Exclusion shown on your confirmation of coverage and there is no increase or decrease in dosage. 
c) The routine adjustment of Coumadin or Warfarin provided the Coumadin or Warfarin was not first prescribed during the time period specified in the Pre-Existing Conditions Exclusion shown on your confirmation of coverage. 
d) A minor ailment.
Minor ailment means a sickness or injury which ended more than 30 days prior to the 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.
Heart condition includes angina or chest pain, arrhythmia, arteriosclerosis, atrial fibrillation, congenital heart defect, congestive heart failure, cardiomyopathy, carotid artery occlusion, heart attack (myocardial infarction), heart murmur, irregular heart rate or beat, any other condition relating to the heart or cardiovascular system.
Heart surgery includes ablation, angioplasty, heart bypass operation, implanted defibrillator, implanted pacemaker, valve replacement (repair), valvuloplasty.
Lung/respiratory condition includes asbestosis, bronchial asthma, bronchiectasis, chronic asthma, chronic bronchitis, chronic obstructive pulmonary disease (COPD), emphysema, pulmonary embolism, pulmonary fibrosis, sleep apnea (using a CPAP machine), tuberculosis

EXTENSIONS:
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) purchase additional coverage prior to the expiry date of your policy; and 
b) are in good health; and 
c) have no reason to seek medical consultation during the new term of coverage.
If you have incurred a claim, we will review your file before deciding on granting an extension. 
Each policy or term of coverage is considered a separate contract. 
AGA reserves the right to decline any request for new terms of coverage.

REFUNDS:
A full refund will be provided for policies which are returned within 10 days of purchase, provided you have not departed on your trip and a claim has not been incurred, as described in the section titled Right to Examine Policy.
Emergency Hospital & Medical Multi-trip Plans are not refundable after the effective date.
Refunds for Emergency Hospital & Medical Single-trip Plans are payable when: 
a) the entire trip is cancelled prior to the effective date; or
b) you return to your province or territory of residence prior to the expiry date.
Refunds for Trip Cancellation & Interruption and All-inclusive Package Plans are payable prior to the date of departure only when: 
a) you are unable to travel following cancellation of the insured trip by the travel supplier, provided all penalties are waived; or 
b) you are unable to travel following rescheduling of an insured trip by the travel supplier, provided all penalties are waived; or 
c) you cancel the trip before any penalties come into effect.
Refunds for the following Plans are payable when the entire trip is cancelled prior to the effective date.
• Baggage; 
• Accidental Death & Dismemberment; 
• Flight Accident; 
• Trip Interruption;

CLAIMS:
In the event of a medical emergency, AGA must be notified within 24 hours of admission to hospital and before any surgery is performed. The Emergency Assistance Centre is available 24 hours per day, 7 days a week Toll-free Canada/USA: 1-800-995-1662 or Toll-free worldwide: 00-800-842-08420, or 416-340-0049 (collect).
If you fail to notify AGA without reasonable cause, then AGA will pay 80% of the claim payable. You will be responsible for the remaining 20% of the claim payable.

SEND YOUR CLAIMS TO:
Allianz Global Assistance Claims Department
250 Yonge Street, Suite 2100 Toronto, Ontario M5B 2L7 Canada
Collect worldwide: 416-340-8809 Toll-free Canada/USA: 1-800-869-6747

FAQ:
What is included in Trip Cancellation & Interruption coverage?
Trip Cancellation and Interruption covers you financially for your pre-paid trip costs. 
Prior to departure: non-refundable, non-recoverable portion of pre-paid airfare and/or pre-paid travel arrangements.
After departure: the extra cost of economy transportation by the most direct route to continue with the insured trip (or to return to the point of departure) if you miss a portion of your trip due to your sickness or injury, or the sickness or injury of a travelling companion or accompanying family member.  
Prior to or after departure: delay of the connection carrier provided that the connecting carrier or automobile was scheduled to arrive not less than two hours prior to the scheduled connection time, due to weather condition, volcanic eruptions, natural disaster or mechanical failure of the connecting carrier (airline, bus, train or government-operated ferry system); or traffic accident or emergency police road closure (police report required) causing the delay of a private or commercial automobile.
Select Plan benefits include lost baggage up to $500 (including baggage delay up to $200); Meals and accommodation ($300 per day up to $1,000 in case of interruption or delay beyond the expiry date as a result of your or your travelling companion sickness or injury); Tour operator (up to $1,000 for the non-refundable pre-paid travel arrangements if your trip is cancelled or re-scheduled by your tour operator; Accidental death and dismemberment (up to $10,000); Flight accident (up to $50,000).
Insured risks: Health: sickness, injury or death of you, a family member or travelling companion; death or hospitalization of your host at destination. Legal: if you have been called to jury duty or witness during your trip. External: change of airline schedule resulting to miss connection; default as a result of bankruptcy of a Canadian travel supplier; a disaster that renders your principal residence back home; adverse weather, volcanic eruptions, or a natural disaster; if there is a travel advisory (issued after the effective date of your policy) for your booked destination; cancellation (beyond your control) prior to departure of a business meeting at your destination that you are required to attend. Work: a job transfer within 30 days of your scheduled departure date, by your employer, that requires relocation of your principal residence (not applicable to self-employed persons). Other: you or your traveling companion being called to service in the case of reservists, active military, police, essential medical and fire personnel.
Exclusions: If sum insured purchased is $15,000 or less: any pre-existing conditions that are not stable within the 90 days immediately preceding the application date. If sum insured is more than $15,000: any pre-existing conditions that are not stable within the 180 days immediately preceding the application date.

EXCLUSIONS: 
1. Pre-existing Conditions Exclusion 
a) If you are age 59 or under, benefits are not payable for costs incurred due to or resulting from your medical condition or related condition, other than a minor ailment, that was not stable at any time during the 90 days immediately before the effective date
b) If you are age 60 or over, depending on your answers to the medical questionnaire, benefits are not payable for costs incurred due to or resulting from your medical condition or related condition, other than a minor ailment
            i. that was not stable at any time during the 90, 180, or 365 days immediately before the effective date; or 
            ii. for which you received treatment at any time during the 365 days immediately before the effective date; or 
            iii. for which you received treatment at any time before the effective date. 
Refer to your confirmation of coverage for the pre-existing conditions exclusion that applies to you.
2. Benefits are not payable for costs incurred due to any treatment, investigation or hospitalization which is a continuation of, or subsequent to, emergency treatment of a sickness or injury.
3. Benefits are not payable for costs or losses incurred while sane or insane due to: 
a) your emotional or mental disorders resulting from any cause, including but not limited to anxiety or depression; or 
b) your suicide, attempted suicide; or 
c) your intentional self-inflicted injury.
4. Benefits are not payable for costs incurred due to: 
a) routine pre-natal or post-natal care; or 
b) elective treatment; or 
c) pregnancy, childbirth or complications thereof after the 31st week of pregnancy; or 
d) high-risk pregnancy; (High-risk pregnancy means a pregnancy involving a medical condition that puts the mother, the developing fetus or both at a higher than normal risk of developing medical complications during or after the pregnancy and birth. These medical conditions include pre-eclampsia, eclampsia, hypertension, Rh incompatibility, gestational diabetes, or placenta previa) or 
e) a child born during a trip.
5. Benefits are not payable for costs incurred due to loss, death or injury, if at the time of the loss, death or injury, evidence supports that the medical condition causing the loss was in any way contributed to by: 
a) your abuse of alcohol; or 
b) your use of prohibited drugs or any other intoxicant; or 
c) your non-compliance with prescribed treatment or medical therapy before or after the effective date; or
d) your use of medication or drugs that have not been approved by the appropriate government authority; or 
e) your misuse of medication.
6. Benefits are not payable for costs incurred due to injury resulting from training for, competing or participating in: 
a) motorized speed contests; or 
b) stunt activities; or 
c) professional sport activities; (Professional means you are considered professional by the governing body of the sport and are paid for your participation whether you win or lose) or 
d) high-risk activities. High-risk activity(ies) includes skiing or snowboarding out of bounds, ski jumping, skydiving, sky-surfing, 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), white water rafting (except grades 1 to 4), street luge, skeleton activity, mountaineering (Mountaineering means the ascent or descent of a mountain requiring the use of specified equipment including crampons, pick axes, anchors, bolts, carabiners and lead-rope or top rope anchoring equipment), or participation in any rodeo activity.
7. Benefits are not payable for costs incurred due to sickness or injury 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.
8. Benefits are not payable for costs incurred due to any sickness, injury or medical condition for which a diagnosis need not have been made when a trip is undertaken for the purpose of securing medical treatment.
9. Benefits are not payable for costs incurred due to your travelling against the advice of a physician or any loss resulting from your sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.
10. Benefits are not payable for costs incurred due to 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 AGA.
11. Benefits are not payable for costs incurred due to a recurrence or complication of the sickness, injury or medical condition that resulted in you being returned home if you elect to resume your trip after being returned to Canada.
12. Benefits are not payable for costs incurred due to any medical consultation that is non-emergency, elective or the consequence of a prior elective procedure.
13. Benefits are not payable for costs incurred due to any rehabilitation or convalescent care.
14. Benefits are not payable for costs incurred due to dental or cosmetic surgery.
15. Benefits are not payable for costs incurred due to naturopathic or holistic treatment.
16. Benefits are not payable for costs that exceed the reasonable and customary rate for the area where the treatment or services are being performed.
17. Benefits are not payable for costs incurred due to treatment or services that contravene, or are prohibited by, legislation under a provincial or territorial hospital/ medical plan.
18. Benefits are not payable for costs incurred due to any lung/respiratory condition if you have been prescribed or used home oxygen or prednisone for a lung/respiratory condition in the 12 months before the effective date.
19. Benefits are not payable for costs incurred due to any heart condition if you were diagnosed with or had an episode of congestive heart failure before the effective date.
20. Benefits are not payable for costs incurred due to any heart condition if your most recent heart surgery was more than 12 years or less than 6 months before the effective date.
21. Benefits are not payable for costs incurred due to any heart condition if you have been prescribed or used nitroglycerine in any form for a heart condition in the 12 months before the effective date.
22. Benefits are not payable for costs incurred due to any auto-immune disorder which was diagnosed before the effective date.
23. Benefits are not payable for costs incurred due to any kidney disease requiring dialysis before the effective date.
24. Benefits are not payable for costs incurred due to an unrepaired aneurysm 4 cm or greater, measured in either length or diameter, which was diagnosed before the effective date.
25. Benefits are not payable for any sickness related to or due to any bone marrow or major organ transplant, or the need thereof.
26. Benefits are not payable for costs incurred due to any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) for which you received treatment in the 3 months before the effective date.
27. Benefits are not payable for costs incurred due to any sickness or injury when such sickness or injury occurs in a city, region, or country for which the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning prior to the effective date to avoid all travel, or to avoid non-essential travel, to that city, region, or country, and such sickness or injury is related to or due to the reason for the warning.
28. Benefits are not payable for costs incurred due to any fraudulent, dishonest or criminal act by you, or any person acting with you, or your authorized representative, whether acting alone or in collusion with others.
29. Benefits are not payable for costs incurred due to any: 
a) act of war; or 
b) kidnapping; or 
c) act of terrorism caused directly or indirectly by nuclear, chemical or biological means; or 
d) riot, strike or civil commotion; or 
e) unlawful visit in any country.
30. Benefits are not payable for costs incurred due to any nuclear occurrence, however caused.
31. Benefits are not payable for costs incurred due to the participation by you, a family member or travelling companion in: 
a) protests; or 
b) armed forces activities; or 
c) a commercial sexual transaction; or 
d) the commission or attempted commission of any criminal offence; or 
e) the contravention of any statutory law or regulation in the area where the loss occurred.
32. Benefits are not payable for costs incurred due to air travel other than as a passenger in a commercial aircraft licensed to carry passengers for hire, except while being transported under the terms of the Emergency Transportation benefit.

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:

Allianz Travel Insurance POLICY PDF

Allianz Trip Cancellation & Interruption POLICY PDF

Allianz Travel Insurance BROCHURE PDF

Allianz Travel Insurance CLAIM FORM PDF

 

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To be eligible for coverage you must, as of the date you apply for coverage and the effective date:

a) be at least 15 days old and no more than 89 years old; and

b) be insured for benefits under a Canadian government health insurance plan during the entire period of coverage; and

c) not have been diagnosed with a terminal illness; or

d) not have been diagnosed with stage 3 or 4 cancer; or have received treatment for any cancer (other than basal or squamous cell cancer or breast cancer treated only with hormone therapy) in the last 3 months; or

e) not require assistance with activities of daily living as the result of a medical condition or state of health.

If you are age 60 or over, in addition to the preceding requirements, you are NOT eligible for coverage if, as of the date you apply for coverage and the effective date, you:

a) have been prescribed or used home oxygen for a lung/respiratory condition during the previous 12 months; or

b) had your most recent heart surgery more than 12 years ago or less than 6 months ago; or

c) have a diagnosed unrepaired aneurysm of 4 centimetres or greater, measured in either length or diameter; or

d) have received or are awaiting a bone marrow or major organ transplant; or

e) have been diagnosed with or received treatment for a kidney disease requiring dialysis; or

f) have ever been diagnosed with an auto-immune disorder; or

g) have ever been diagnosed with congestive heart failure.

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