Multi-trip emergency medical

The Multi-Trip Emergency Medical plan covers you for costs related to a medical emergency, including:*

• 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

If you're looking for coverage for more than just emergency medical expenses, like trip cancellation, trip interruption, baggage loss or damage, consider the Multi-Trip All-Inclusive plan.

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;
• 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 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.