COVID-19 Pandemic travel plan

Emergency Medical benefits up to $5 million for non COVID-19 related claims or up to $1 million for COVID-19 related expenses for*:

• Emergency treatment
• Paramedical services
• Ambulance transportation
• Emergency dental treatment
• Emergency medical evacuation home
• Repatriation of bodily remains
• Bringing someone to your bedside
• Return home of children in the care of the insured
• Return home of travel companion
• Additional expenses for meals and hotel
• Return home of vehicle
• Hospital allowance
• Childcare
• Return of excess baggage
• Phone call expenses
• Pet return
• Terrorism coverage

Note: You are eligible for $5 million CAD coverage if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer's recommendation, or as dictated by the applicable health authority, before your departure date.

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 Interruption benefits

Interruption benefits include:

• Reasonable and customary charges incurred by you for an interruption claim in the event that you are quarantined during your trip.
• Up to $500 for the extra cost of a one-way economy class airfare to return home if you are delayed beyond the date you were originally scheduled to return home; and/or
• Up to $200 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $400 per insured family per day to a maximum of $5,600. 

Important information about cruise travel: If you have not received the vaccine, this policy does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at any destination included in your cruise itinerary.

Exception: For children 11 years old or younger who are not eligible to receive the vaccine, Coronavirus (COVID-19) coverage will be provided when travelling with at least one parent or guardian on the same cruise booking who has received the vaccine.

We will not pay any expenses related to the cost of and any expenses for a Coronavirus (COVID-19) test that is mandated by any body with appropriate authority (such as a government or a transportation service) for entry into or exit from a country/jurisdiction or to use its services.

Flight & Travel Accidental Death and Dismemberment

If you have an accidental bodily injury or you die during your trip we will pay 25% to 200% of your coverage amount:

• $25,000 CAD for Executive Members
• $10,000 CAD for Gold Star/Business Members

To be eligible for Emergency Medical 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.
• 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 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.