All-inclusive plan

The Single-Trip All-Inclusive plan covers you for costs related to a medical emergency and many other parts of your trip, including:

Emergency Medical benefits*

• Hospital/doctor care and services
• Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
• Ambulance transportation
• Emergency dental treatment
• Emergency medical return home
• Expenses to return your travel companion or children under your care
• Additional expenses for meals and hotel
• Return home of vehicle
• Trip break without terminating coverage
• Expenses related to death
• Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Centre first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with:**

• A physician visit or call
• Locating a clinic nearby
• Emergency room admission

Trip Cancellation & Trip Interruption benefits

• Up to $5,000 per insured
• Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted

Highlights of some of the covered events:*

• Your or your travel companion's unexpected medical emergency or death
• Unexpected medical emergency or death of your or your travel companion's immediate family or key person
• Cancellation of a business meeting
• A job loss by you, your spouse, your travel companion or travel companion's spouse
• The person whose guest you will be during your trip has been admitted to a hospital or passes away

Baggage Loss, Damage and Delay

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:*

• Up to $100 for replacement of a lost or stolen passport, driver's licence, birth certificate or travel visa
• Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while you are en route
• Up to $300 per trip for any item or set of items to a maximum of $1,000

Flight Accident and Travel Accident Insurance

Flight Accident and Travel Accident Insurance covers the following benefits:*

• If an accidental bodily injury causes you to pass away, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, we will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
• If an accidental bodily injury causes you to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, we will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
• If you have more than one accidental bodily injury during the trip, we will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

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

• be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
• have paid the appropriate premium;
• be at least thirty (30) days of age;
• not have been advised by a physician to avoid travel at this time;
• not have a terminal illness or metastatic cancer;
• not require kidney dialysis;
• not have been prescribed or used home oxygen in the last twelve (12) months; and
• never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-existing condition exclusions – Emergency Medical

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition: 

that was not stable in the time period before the effective date of your insurance;

Heart condition:

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;

Lung condition:

if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-existing condition exclusions – Trip Cancellation & Trip Interruption

Travel insurance will not cover any expenses or benefits relating to:

• Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
• Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
• Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.

Pre-Existing condition means a medical condition that existed before your effective date.

Medical Condition means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
3. the medical condition has not become worse, and
4. there have not been any new, more frequent or more severe symptoms, and
5. there has been no hospitalization or referral to a specialist, and
6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
7. there is no planned or pending treatment.

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, 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) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Treatment means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 

Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.