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Monday, December 11th, 2017
TRAVEL GUARD
Travel Insurance

Travel Guard Canadian Travel Insurance

 




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Administrated by: Travel Guard Canada
Underwritten by: AIG Insurance Company of Canada
24 hours Emergency Assistance Center: Travel Guard Canada

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. 

BENEFITS: 
- Emergency Medical Expenses maximum benefits: Age 0 to 54 - Unlimited; Age 55 or older - $10,000,000.00
- Hospital room *
- Ambulance transportation (ground service). Air ambulance when pre-approved and arranged by Travel Guard.
- Physician services & diagnostic testing. *
- Prescription medication. *
- Private duty nurse while you are hospitalized. *
- One follow-up visit within 14 days of the initial emergency. *
- The rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance. *
- Accidental Dental Treatment – up to $1,500 in case of an accidental blow to your face or mouth. 
- Emergency Dental Treatment - $600 for the relief of dental pain.
- Emergency Evacuation & Repatriation – One-way economy class airfare, a stretcher or air ambulance and/or the cost of an attendant, to return you to your home province after your emergency. *
- Return of Your Vehicle: the reasonable costs to return your vehicle to your residence, if you are unable to drive. *
- Bedside Companion & Subsistence – transportation costs and up to $500 for hotel and meals for someone to be with you if you have been traveled alone and have been hospitalized for more than 3 days. For an insured child, a bedside companion benefit is available immediately upon hospital admission.
- Return of Dependent Insured Children Under Your Care: if you are hospitalized for more than 24 hours or must return to your home province because of a medical condition, Travel Guard will pay for one-way economy class airfare and the cost of an attendant (if required), to return the children home. *
- Return to Your Trip Destination: If you have been returned to Canada or other departure point to receive immediate medical attention, Travel Guard will cover cost of the transportation to return you back to your scheduled trip destination. *
- Return of Remains: up to $3,000 for preparation of your body or up to $2,000 for cremation plus reasonable transportation cost to return your remains to your departure point or up to $2,000 for burial at the place of death. This benefit is limited to $5,000 per insured. In addition, Travel Guard will pay the return airfare and up to $500 for hotel and meals for someone to travel to the place of your death and identify your body, if it is legally required.
- Meals and Accommodation – up to $175 per day, to a maximum of $1,750 for accommodations and meals, essential telephone calls and taxi fares, if a medical emergency prevents you or your travel companion from returning home 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. 
- Professional services referred by a physician – up to $300 per profession per insured for care received from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath.
- Hospital Allowance: up to $75 per day to a maximum of $750 hospital expenses (telephone calls, television rental) while you are hospitalized for at least 48 hours.
- Return of Travel Companion - the extra cost of a one-way economy air fare to return your travel companion home, if you must return to your home province because of a covered medical condition.
- Pet Coverage: up to $1,000 to return your dog(s) or cat(s) to your departure point if you must return home because of a covered medical condition. Up to $300 for emergency veterinary services in the event your pet(s) suffers an accidental bodily injury during your trip. *

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

ELIGIBILITY:
You are not eligible for any coverage under this policy if:
1. A licensed Physician has diagnosed you with a Terminal Condition.
2. You have undergone a bone marrow transplant or an organ transplant (excluding corneal transplant) that requires the use of anti-rejection (immune suppression) drugs.
3. You require dialysis of any type for a kidney disease.
4. In the last 12 months, you have been prescribed or utilized home oxygen therapy at any time.
Gold Emergency Medical Plan – age 54 and younger
To be eligible for this coverage You must:
1. be currently in Canada when your Policy is purchased; Your insurance must be issued in Canada and purchased prior to Your Departure Date or Effective Date;
2. have purchased Your Policy not more than 365 days prior to Your Departure Date;
3. be covered under Your GHIP or UHIP for the full duration of Your Trip;
4. be a Canadian resident at the time your Policy is purchased and remain a Canadian resident for the full duration of Your Trip;
5. be less than 55 years of age at the time your Policy is purchased;
6. be travelling for a maximum of 365 days. If travelling outside Your Home Province for more than 183 days (212 for Ontario and Newfoundland residents) You must get written evidence of extension from Your GHIP or UHIP; and
7. be a Canadian resident at the time your Policy is purchased and remain a Canadian resident for the full duration of Your Trip.
Gold Medically Qualified Emergency Medical Plan - age 55 and over
To be eligible for this coverage You must:
1. be currently in Canada when your Policy is purchased; Your insurance must be issued in Canada and purchased prior to Your Departure Date or Effective Date;
2. have purchased Your Policy not more than 150 days prior to Your Departure Date;
3. have purchased Your Policy from Us for the full duration of Your Trip;
4. be covered under Your GHIP for the full duration of Your Trip;
5. be a Canadian resident at the time your Policy is purchased and remain a Canadian resident for the full duration of Your Trip;
6. be 55 years of age or older and have satisfied the requirements based on the answers You have provided on the medical questionnaire and be travelling for a maximum of 183 days.

PRE-EXISTING CONDITIONS:
Pre-Existing Condition Exclusion for Identifier GE
If Your exclusion identifier is GE only the exclusions set out in the General Exclusions Section of this Policy apply to Your Emergency Medical and Dental Coverage; and The insurance company does not cover any loss or expense related directly or indirectly to Your Medical Condition or any related condition if in the 90-day period immediately preceding Your Departure Date that condition has not been Stable and Controlled.
Pre-Existing Condition Medical Exclusion Identifier ME#1
If Your exclusion identifier is ME#1 Your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this Policy and the following exclusion:
ME#1. The insurance company does not cover any loss or expense related directly or indirectly to:
1. Your Medical Condition or any related condition if in the 90-day period immediately preceding Your Departure Date that condition has not been Stable and Controlled; or
2. You have been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period for a heart condition; or
3. You required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone for a lung condition.
Pre-Existing Condition Medical Exclusion Identifier ME#2
If Your exclusion identifier is ME#2 Your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this Policy and the following exclusion:
ME#2. The insurance company does not cover any loss or expense related directly or indirectly to:
1. Your Medical Condition or any related condition if in the 180-day period immediately preceding Your Departure Date that condition has not been Stable and Controlled; or
2. You have been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period for a heart condition; or
3. You required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone for a lung condition.
Pre-Existing Condition Medical Exclusion Identifier ME#3
If Your exclusion identifier is ME#3 Your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this Policy and the following exclusion:
ME#3. The insurance company does not cover any loss or expense related directly or indirectly to:
1. any Medical Condition for which You have taken medication, been prescribed medication, received Treatment, experienced a deterioration of the condition or had cause to seek Treatment at any time within the 180- day period immediately preceding and including Your Departure Date and this exclusion applies whether or not the condition has been Stable and Controlled;
2. Your heart condition if in the 180-day period immediately preceding Your Departure Date You have taken medication, been prescribed medication, received Treatment, experienced a deterioration of the condition or had cause to seek Treatment for any heart condition; or
3. Your lung condition if in the 180-day period immediately preceding Your Departure Date You have taken medication, been prescribed medication, received Treatment, experienced a deterioration of the condition or had cause to seek Treatment for any lung condition. 

Stable and Controlled: Any Medical Condition (other than a Minor Ailment) for which there has been:
     • no new Treatment, new medical management, or newly prescribed medication(s); and
     • no change in Treatment, change in medical management, or Change in Prescribed Medication; and
     • no new symptom or finding, more frequent symptom or finding or more severe symptoms or finding experienced; and
     • no test results or test results showing deterioration; and
     • no investigations or future investigations initiated or recommended for symptoms whether or not Your diagnosis has been determined; and
     • no Hospitalization and no or referral to a specialist (made or recommended).
Change in Prescribed Medication: Means the medication dosage or frequency has been reduced, increased, stopped and/or new medications have been prescribed.
Exceptions:
• an adjustment to the insulin or Coumadin (Warfarin) dosage you are currently taking provided it is not newly prescribed or stopped and there has been no change to your Medical Condition; and
• a change from a brand name medication to a generic brand medication (insofar as the dosage is not modified).
Minor Ailment: Any Sickness or Injury which does not require: the use of medication for a period of greater than 15 days; more than one (1)Follow-up Visit to a Physician, Hospitalization, surgical intervention, or referral to a specialist; and which ends at least 30 consecutive days prior to the Departure Date of each Trip. However, a chronic condition or any complication of a chronic condition is not considered a minor ailment.

EXTENSIONS: 
If You choose to extend Your Trip beyond Your scheduled Return Date and You have not made a claim nor is there a reason to claim, and You are covered under a single Trip option or You have purchased Top-up coverage, You may apply for a Policy extension subject to the following conditions:
1. the request for an extension must be made through and approved by Us prior to Your original Return Date;
2. You must pay the required additional Premium before Your original Return Date; and
3. You must have been eligible for the insurance that You seek to extend at the time of Your original booking and at the time of the request for the extension.

REFUNDS:
Refunds are available up to Your Departure Date as long as there is no risk to the Policy.
A partial refund of premium is available if You have a minimum of four (4) unused days of coverage.
No refund of Premium will be made in the event that a claim has been paid, incurred or reported under this Policy.

CLAIMS:
You must notify Travel Guard at 1-866-878-0192 or collect at 416-646-3723 prior to any Emergency Medical Treatment and prior to any surgery, invasive procedure or Hospitalization. Failure to call will result in Your being responsible for 30% of any eligible expenses incurred unless Your Medical Condition prevents You from calling, in which case You must call as soon as medically possible or have someone call on Your behalf.
All claim information should be sent to:
Travel Guard Canada
Attn: Claims Department
120 Bremner Boulevard, Suite 2200
Toronto, ON
M5J 0A8

EXCLUSIONS:
In addition to any exclusion that apply to specific benefits outlined within each section, the insurance company also do not cover any claim, loss or any expense related in whole or in part, directly or indirectly to:
1. expenses resulting from any Sickness, Injury or state of health prior to Your Policy purchase date that would cause Expected Medical Treatment or Hospitalization during Your Trip;
2. reimbursement for expenses once the Emergency ends and in the opinion of the attending Physician or dentist, You are able to travel to Your Home Province for any further Treatment relating to the Sickness or Accident that led to the Emergency other than for a Follow-up Visit as listed under the benefits for Emergency Medical and Dental Coverage;
3. optional Policy extensions or Top-ups: Sickness or Injury which first appeared, was diagnosed or received medical Treatment after your Departure Date and prior to the Effective Date of the optional insurance extension or Top-up;
4. any Treatment that is not Emergency Treatment. For example (and not inclusive of):
a. expenses incurred for medication commonly available without prescription; vaccinations, injections or medication received on a preventative basis or for the maintenance of a Medical Condition; contraceptives; fertility medication; vitamin preparations; general physical examinations; or routine medical tests;
b. transplants including but not limited to organ transplants or bone marrow transplants, artificial joints, or prosthetic devices/implants including any associated charges;
c. expenses incurred for acupuncture or naturopathic or holistic Treatment;
5. ionizing radiation or radioactive Contamination from any nuclear fuel or waste which results from the burning of nuclear fuels, or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
6. expenses incurred for any portion of benefits that require prior authorization and arrangements by Travel Guard if such benefits were not authorized and arranged by Travel Guard;
7. any Medical Condition if on the medical questionnaire there is an incorrect answer. In this case the Policy is voidable and Premium refundable;
8. more than one (1) Follow-up Treatment, Recurrence or complication of a Medical Condition or related condition, following Emergency Treatment of that condition during Your Trip if the medical department determines that You were medically able to return to Your Home Province and You chose not to return;
9. more than one (1) Follow-up Treatment of any heart or lung condition, following Emergency Treatment for a related or unrelated heart or lung condition during Your Trip if the medical department determines that You were medically able to return to Your Home Province and You chose not to return;
10. any Medical Condition, if the medical department recommends that You return to Your Home Province following Your Emergency Treatment, and You choose not to travel;
11. expenses incurred for Treatment or services that are prohibited under Your GHIP/UHIP;
12. expenses in excess of reasonable and customary rates where Treatment has occurred before You or someone on Your behalf has called Travel Guard assistance center;
13. any medical expense incurred while travelling in Your Home Province;
14. routine pre-natal care; a child born during Your Trip; childbirth or complications of childbirth; pregnancy or complications thereof within the nine (9) weeks before or anytime after the expected date of delivery;
15. Your Mental or Emotional Disorders; (Mental or Emotional Disorders: Emotional or anxiety states, situational crisis, anxiety or panic attacks, or other mental health disorders treated with tranquilizers or anxiolytic drugs. (Example: a mental or nervous health disorder like: anxiety, depression, neurosis, psychosis and others or any related physical complications).
16. Your committing or attempting to commit suicide or intentionally self-inflicted Injury (whether sane or insane);
17. any alcohol related Sickness, death, or Injury or the abuse of medication, drugs, alcohol or any other toxic substance during the Trip; Alcohol abuse includes having a blood alcohol level in excess of 80 milligrams of alcohol per 100 millilitres of blood;
18. a Trip undertaken in contravention of a Physician’s recommendation or after the manifestation of medical symptoms which would cause an ordinarily prudent person to seek medical advice or Treatment in the 90 days prior to Your Departure Date; or where a Terminal Condition prognosis has been diagnosed by any Physician;
19. a Medical Condition or related condition that arises during a Trip You undertake with the prior knowledge that You will require or seek Treatment or surgery for that Medical Condition or a related condition;
20. a Medical Condition for which future investigation or Treatment is planned before Your Departure Date. This does not include routine monitoring;
21. the commission of or Your direct or indirect attempt to commit a criminal act or Injury occurring while You are committing or attempting to commit a criminal act;
22. Your participation in rock or Mountain Climbing (Mountain Climbing: The ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring equipment); participation in a motorized race or motorized speed contest; Your participation as a professional athlete in a sporting event;
23. operating or learning to operate any aircraft, as pilot or crew; performing employment duties on any aircraft or ship; or performing duties in any regular armed forces service;
24. expenses incurred if You travel to a country that The Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada has advised travellers not to travel to during the time of Your Trip. This exclusion applies if the advisory is issued prior to Your Departure Date;
25. war (declared or not), acts of foreign enemies or rebellion;
26. interest on a payment or reimbursement;
27. expenses incurred relating to travel in, to, or through Cuba, because such travel is not serviced and supported by the Insurer’s United States affiliates;
28. any Medical Condition, if prior to Your Departure Date, such Medical Condition renders You ineligible or causes You to qualify for a different rate. You must be and remain eligible and rate qualified under this Policy when You purchase and continuously until You take a Trip for coverage to come into and be in effect when You take a Trip. 

- Travel Guard medical department must approve and arrange all surgery or invasive procedures (including, but not limited to, heart catheterization), prior to you undergoing such procedure(s). It is your responsibility to inform your attending physician to call Travel Guard for approval in advance, except in extreme circumstances where such action would delay surgery required to resolve a life-threatening medical Emergency;
- You must be covered by GHIP or UHIP for the full duration of Your Trip. If travelling outside your home province for more than 183 days (212 for Ontario and Newfoundland residents) you must get written evidence of extension from Your GHIP or UHIP. If you do not have GHIP or UHIP for the full duration of your trip, your aggregate limit for all emergency medical benefits will be $40,000;
- Once you are deemed medically able to return to your home province (with or without a medical escort) either in the opinion of the medical department or by virtue of discharge from hospital, your medical emergency is considered to have ended, where upon any further consultation, treatment, recurrence or complication related to the medical emergency will no longer be eligible for coverage under this policy.

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.

DOWNLOAD:

Travel Guard Travel Insurance POLICY PDF

 

order online

 

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