Travel Insurance
BENEFITS:
– Maximum Benefits: $5,000,000
– Ambulance Transportation: Licensed local ground or air ambulance service or taxi fare (if ambulance is required, but not available). Sea and mountain evacuation is limited to $5,000.
– Emergency Hospital: semi-private hospital accommodation.
– Physicians – in or out of a hospital.
– Private Duty Nurse – up to $5,000 for services of a registered nurse*
– Diagnostic Services: Lab tests and X-ray examinations ordered by a physician. Note: MRI, CAT scans, sonograms, ultrasounds and biopsies must be pre-approved*
– Prescription drugs or medicines, limited to 30-day supply per prescription (unless you are hospitalized).
– Medical Appliance: Rental or purchase (whichever is less) of a wheelchair, brace, crutch or other medical appliance*
– Professional Medical Services – care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist or podiatrist, up to $350 per category of practitioner, when referred by a physician*
– Accidental Dental: Up to $3,000 for repair or replacement of 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, outside your province/territory of residence.
– Expenses to return children under your care: up to the cost of a one-way economy airfare to transport your insured children or grandchildren to their original point of departure if you are admitted to the hospital for more than 24 hours or must be medically repatriated due to an emergency; if necessary, the extra cost for a qualified caregiver to escort your children*
– Return of Vehicle: Up to $2,500 to return a vehicle if neither you, nor someone traveling with you, are able to drive your vehicle to your original departure point as a result of an emergency.
– 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)*
– Meals and Accommodation – up to $150 per day to a maximum of $1,500 for meals, hotel, phone calls and taxis, if an emergency prevents you or your travel companion from returning to your province/territory of residence 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.
– Expenses Related to your Death: In the event of death from covered condition, up to $5,000 for the preparation of your body and the cost of the transportation container plus the transportation costs to return your body home; or up to $2,000 to cremate your body at the place of death; or up to $5,000 for the preparation of your body and for your burial at the place of death.
– Bedside Companion: the cost for a round-trip economy airfare, to bring a bedside companion to you and up to $150 per day to maximum of 1,500 for meals and commercial accommodation, if you have been hospitalized for at least 72 consecutive hours*
– Pet Return – up to $300 to return the insured’s accompanying dog or cat to Canada, if the insured is returned to Canada or hospitalized.
– Hospital Allowance: up to $50 per day, to a maximum of $250, for additional out-of-pocket expenses (i.e. telephone, television rental) when you are hospitalized for 48 hours or more.
* Must be pre-approved by Zurich Assistance.
ELIGIBILITY:
You must purchase this insurance prior to your departure date from your province/territory of residence.
Eligibility (Part 1)
Applies to all applicants
As of the effective date, you are eligible for coverage if you:
a) are at least 15 days old; and
b) are under age 80; and
c) are covered by the Government Health Insurance Plan (GHIP) of your Canadian province or territory of residence for the entire duration of your trip; and
d) are not travelling against the advice of a physician; or
e) have not been diagnosed with a terminal illness; or
f) have not been diagnosed with or received treatment for pancreatic cancer, liver cancer, bone cancer, or any type of cancer that has metastasized (migrated to another organ from its original site); or
g) have not been prescribed or used home oxygen in the last 12 months; or
h) have not had a major organ transplant (heart, kidney, liver, lung), bone marrow or stem cell transplant; or
i) have not received kidney dialysis treatment in the last 12 months; or
j) have not been diagnosed with an aneurysm of 4 centimeters or more in either length or diameter, that has not been surgically repaired.
Eligibility (Part 2)
Applies to:
Ages 60 to 74, travelling for 31 to 90 days, and
Ages 75 to 79, travelling for 1 to 90 days
In addition to the Eligibility Part 1 (applies to all applicants), if you are between the ages of 60 and 74 and travelling for 31 days to 90 days or between the ages of 75 and 79, travelling for 1 to 90 days, you must meet all of
the following to be eligible for coverage.
During the 12 months prior to your application date, you have not been diagnosed with, received treatment for, or been prescribed medication (including aspirin) for any of the following medical conditions:
– Heart condition including heart attack (myocardial infarction), arrhythmia, atrial fibrillation, heart murmur, irregular heart rate or beat, chest pain (angina), congestive heart failure, cardiomyopathy, congenital heart defect or any other condition relating to the heart.
– Lung condition including chronic obstructive pulmonary disease (COPD), chronic bronchitis, chronic pneumonia, emphysema, tuberculosis, pulmonary fibrosis. It does not include seasonal allergies.
– Cancer including all cancers with the exception of basal or squamous cell skin cancer and cancer treated only with hormone therapy.
– Stroke, Transient Ischemic Attack (TIA), or mini stroke
– Diabetes including all diabetes with the exception of diet-controlled diabetes.
If you are age 59 or younger, you may purchase a Single Trip plan for a period of up to amount of days permitted by your provincial/territorial GHIP. If you are age 60 to 79, you may purchase a Single Trip plan of up to 90 days.
Pre-existing medical conditions exclusion:
Coverage for stable pre-existing medical conditions.
If at the time of application, you are 59 years of age or under:
Any pre-existing medical condition (other than a minor condition) unless it was stable in the 90 days immediately before the effective date or departure date.
If this policy is a top-up to your Destination: Leisure Annual Multi-Trip Plan, the departure date will be considered for the 90 days stable period of your pre-existing medical conditions.
If at the time of application, you are between 60 and 79 years of age:
Any pre-existing medical condition (other than a minor condition) unless it was stable in the 180 days immediately before the effective date or departure date.
If this policy is a top-up to your Destination: Leisure Annual Multi-Trip Plan, the departure date will be considered for the 180 days stable period of your pre-existing medical conditions.
Minor condition describes a sickness or injury during the stability period which ended prior to the policy 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; and
d) which ended at least 30 days prior to the departure date.
Stable means a medical condition is considered stable when all of the following statements are true:
a) there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment); and
b) there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
c) the medical condition has not become worse, and
d) there has not been any new, more frequent or more severe symptoms, and
e) there has been no hospitalization or referral to a specialist, and
f) there have not been any tests; investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
g) there is no planned or pending treatment.
IMPORTANT NOTE: All of the above conditions must be met for a medical condition to be considered stable.
Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped, and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) to test your blood levels; and a change from a brand name medication to a generic brand medication of the same dosage.
EXTENSIONS:
You can extend your coverage before you leave your province or territory of residence.
If you decide to apply for additional coverage before you have left your province or territory of residence and there is no break in coverage, Destination: Travel Group Inc. will extend the expiry date of your original policy.
All terms and conditions of your original policy apply, and you are required to pay an additional premium.
If you decide to apply for additional coverage after you have left your province or territory of residence but before the expiry of your existing policy with Destination: Travel Group Inc., we will issue you a new policy.
New terms, limitations, and conditions will apply.
IMPORTANT NOTE: After you have left your province or territory of residence you may apply for a new term of coverage if you:
a) Are in good health; and
b) Have no reason to seek medical treatment or medical consultation during your new period of coverage.
If you have incurred a claim, Destination: Travel Group Inc. on behalf of the insurer, will review your file before deciding on granting an extension.
The recurrence of a medical condition(s) or related condition(s) that were present during the original term of the policy will not be covered under this policy during the extension period.
If you decide to extend your trip, please call your broker at: 1-877-838-0020.
Automatic Extension of Coverage:
1. Delay in conveyance: This coverage shall be automatically extended for up to 72 hours in the event of a delay, during the period of coverage, beyond your control of the conveyance in which you are riding or are scheduled to ride as a passenger. The delay must occur prior to the expiry date. Conveyance means an airline, train, bus, vehicle, or ferry.
2. Medically unfit to travel: If medical evidence supports that you are medically unfit to travel due to a covered sickness or injury on or before the coverage expiry date, coverage will be automatically extended for up to 5 days.
3. Hospitalization: If you are hospitalized at the end of the period of coverage, as a result of a covered sickness or injury, coverage will be extended for you and one insured travelling companion remaining with you, when reasonable and necessary, during the period of hospital confinement, plus 72 hours after release to travel home. Coverage for your travelling companion will only be extended under their respective policy when issued by Destination: Travel Group.
IMPORTANT NOTE: Additional premium will not be required for an automatic extension of coverage.
REFUNDS:
Premium Refunds
A full refund will be provided for policies which are returned within 10 days of purchase provided your coverage has not begun, as described in the Right to Examine this Policy section.
Premium refunds are only considered when:
a) the entire trip is cancelled prior to the effective date.
b) you return to your province/territory of residence prior to the expiry date.
c) you cancel your annual multi-trip plan prior to the effective date.
When submitting a premium refund request, please send a written request to us by fax, mail, or e-mail before your coverage period ends, and include:
a) a copy of your confirmation of coverage; and
b) confirmation of your early return to your province/territory of residence such as a boarding pass; or
c) any other documentation to support your refund request.
Refunds will be:
– considered if the request for premium refunds is received no more than 90 days after the expiry date of the policy; and
– calculated based on the date the refund request is received by Destination: Travel Group Inc.; and
– subject to a $25 administration fee applied by Destination: Travel Group Inc. and a minimum refund of $15.
– Under no condition will a refund be made if a claim has been incurred, paid, or is pending.
IMPORTANT NOTE: Once a Destination: Leisure Annual Multi-Trip Plan is effective, no refund will be given.
CLAIMS:
In the event of a medical emergency, you must notify Zurich Assistance (toll free 1-833-532-2713 or worldwide collect 819-742-1096) prior to any surgery being performed or within 24 hours of admission to a hospital.
If you fail to notify the Assistance Centre, without reasonable cause, it will result in the reduction of eligible benefit amounts payable by 20%. You will be responsible for any expenses that are not payable by the insurer.
1. Claims must be reported within 30 days of occurrence.
2. Written proof of claim must be submitted within 90 days of occurrence.
3. Any costs incurred for documentation or required reports are your or the claimant’s responsibility.
4. To submit your claim, fill out the claim form completely and include all original bills. Incomplete information will cause delay.
5. All eligible claims must be supported by original receipts from commercial organizations.
SUBMIT CLAIMS TO:
Zurich Canada Travel Insurance
c/o Global Excel Management Inc.
73 Queen Street, Sherbrooke, QC, J1M 0C9
Email: assistance@globalexcel.com
For Online Claim Submission visit: www.globalexcel.com/zurichcanada
EXCLUSIONS:
This policy will not provide coverage, nor services, or pay claims for expenses incurred directly or indirectly as a result of:
1. Pre-existing medical conditions
Coverage for stable pre-existing medical conditions.
a) If at the time of application, you are 59 years of age or under:
Any pre-existing medical condition (other than a minor condition) unless it was stable in the 90 days immediately before the effective date or departure date.
If this policy is a top-up to your Destination: Leisure Annual Multi-Trip Plan, the departure date will be considered for the 90 days stable period of your pre-existing medical conditions.
b) If at the time of application, you are between 60 and 79 years of age:
Any pre-existing medical condition (other than a minor condition) unless it was stable in the 180 days immediately before the effective date or departure date.
If this policy is a top-up to your Destination: Leisure Annual Multi-Trip Plan, the departure date will be considered for the 180 days stable period of your pre-existing medical conditions.
2. Costs incurred due to:
a) Alzheimer’s disease or dementia; and/or
b) any loss resulting from your minor mental or emotional disorder; and/or
c) your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.
3. Costs incurred due to:
a) act(s) of war or act(s) of terrorism,
b) kidnapping,
c) riot, strike or civil commotion,
d) unlawful visit in any country,
e) participation in protests,
f) participation in armed forces activities,
g) participation in a commercial sexual transaction,
h) the commission or attempted commission of any criminal offence or illegal act,
i) contravention of any statutory law or regulation in the area where the loss occurred.
4. Any sickness or injury when a trip is made for the purpose of obtaining advice, a diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy, as well as any directly or indirectly related complication.
5. Any loss, death, or injury, if evidence supports that you were affected by, or the medical condition was in any way contributed to by, arising from, or in any way related to:
a) the abuse or chronic use of alcohol either before or during the period of coverage; or
b) the use of prohibited drugs, or any other intoxicant either before or during the period of coverage; or
c) the non-compliance with prescribed treatment or medical therapy either before or during the period of coverage; or
d) the misuse of medication either before or during the period of coverage.
6. Any medical consultation or any treatment that is non-emergency, experimental, or elective such as cosmetic surgery, including any expenses for directly or indirectly related complications.
7. Any treatment, investigation or hospitalization which is a continuation of, or subsequent to, emergency treatment of a medical condition, unless approved in advance by Zurich Assistance.
IMPORTANT NOTE: Any ongoing or follow-up treatment, rehabilitative care, investigation, hospitalization, or the recurrence of a medical condition or related condition is not covered once the emergency is declared over by the attending physician or Zurich Assistance.
8. Any treatment that can be reasonably delayed until you return to your province/territory of residence (whether or not you intend to return) by the next available means of transportation, unless approved in advance by Zurich Assistance.
9. Hospitalization or services rendered in connection with general health examinations for “check-up” purposes, treatment of an ongoing condition, regular care of a chronic condition, home health care, investigative testing, rehabilitation or ongoing care or treatment in connection with drugs, alcohol, or any other substance abuse.
10. Any rehabilitation or convalescent care.
11. Any injury resulting from training for or participating in:
a) speed contests usually and customarily in excess of 60 kilometers per hour;
b) motorsport contests;
c) stunt activities, exhibitions, or demonstrations of any kind;
d) sport activities, if you are considered professional by the governing body of that sport and you are paid for your participation;
e) heliskiing, ski jumping;
f) hang-gliding, parachuting, bungee jumping, skydiving, or sky-surfing;
g) Scuba diving (except if certified by an internationally recognized and accepted program such as NAUI or PADI, or if diving depth does not exceed 30 meters);
h) white water sports (except grades 1 to 4);
i) street luge, skeleton activity;
j) rock or mountain climbing which involves the ascent or descent of a mountain requiring the use of specialized equipment, including crampons, pickaxes, anchors, bolts, carabiners and lead or top-rope anchoring equipment; or
k) participation in any rodeo activity.
12. Costs incurred due to, contributed by, or resulting from:
a) Routine prenatal care, childbirth, or post-natal care at any time during your trip.
b) Any medical consultation or treatment, complications, or expenses related to pregnancy within nine (9) weeks before or after the expected delivery date.
c) Any medical expenses for a child born during your trip.
d) High-risk pregnancies or complications arising from pre-existing pregnancy-related conditions.
13. Any 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.
14. Treatment or services that contravene or are prohibited by legislation under a provincial or territorial hospital/medical plan.
15. Naturopathic, holistic, or acupuncture treatment.
16. Costs that exceed the reasonable and customary rate for the area where the treatment or services are being performed.
17. Any act of terrorism or medical condition you suffer or contract when an official travel advisory was issued by the Canadian government stating “Avoid all non-essential travel” or “Avoid all travel” effective date.
To read the travel advisories, visit the Government of Canada Official Global Travel Advisory site.
IMPORTANT NOTE: This exclusion does not apply to claims for an emergency or a medical condition unrelated to the travel advisory.
18. Any loss incurred inside your province or territory of residence.
19. Any sickness, symptom, or injury that presented, recurred, or for which treatment was received during any temporary return to your province or territory of residence during the period of coverage.
20. 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 or Emergency Return Home benefits.
21. Any loss resulting when you are a driver, the operator, a co-driver, a crew member, or any other passenger on a commercial vehicle used for the purpose of delivering goods or carrying a load. This exclusion is not applicable when the commercial vehicle is used during your trip solely for pleasure purposes and not used for delivering goods or carrying a load.
– Family coverage is only available for applicants up to age 59. Premium is based on the oldest member of the family.
– Dependent children means your unmarried children who are, on the effective date:
a) financially dependent on you; and
b) at least 15 days of age; and
c) age 21 or under; or
d) age 25 or under and attending school full time; or
e) of any age, who are mentally or physically disabled.
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:
Destination Travel Group Inc. supports THiA Bill of Rights. For more information, go to www.thiaonline.com/Travel_Insurance_Bill_of_Rights_and_Responsibilities.html
