Emergency Medical Travel Insurance Top-Up

You are not eligible for this insurance if any of the following apply to you or anyone you want to cover:

• Travelling against the advice of a physician
• Have been diagnosed with a terminal illness with less than 6 months to live
• Require kidney dialysis
• Used home oxygen in the 12 months before you applied for this insurance
• Do not reside in Canada
• Not covered under a government health insurance plan (GHIP) for the entire duration of your trip

• Hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Ambulance
• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return to original trip destination
• Return of excess baggage

Additional protection

• Extra meal, hotel, child care and phone call costs
• Expenses related to death
• Trip break without terminating coverage
• Terrorism coverage
• Quarantine expenses if you must unexpectedly self-isolate or quarantine after your departure
• Expenses to replace prescription drugs, hearing aids, eyeglasses
• Expenses for pet care

Conditions, limitations and exclusions apply. See policy for details.

Pre-existing conditions

Waived pre-existing medical condition exclusion when travelling in Canada.  

We will not pay any expenses related to any of the following pre-existing medical conditions.

Rate Category A & Ages 59 and younger

• Any pre-existing condition that was not stable in the 3 months before your effective date
• A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 3 months before your effective date
• A lung condition that was not stable or that required treatment with oxygen or prednisone in the 3 months before your effective date

Rate Category B & C

• Any pre-existing condition that was not stable in the 6 months before your effective date
• A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 6 months before your effective date
• A lung condition that was not stable or that required treatment with oxygen or prednisone in the 6 months before your effective date

Pre-existing medical condition means any medical condition that existed before your effective date.

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

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 has 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 type, dosage, or frequency is reduced, increased, stopped, and/or new medications are prescribed.

Exceptions:

• Regular blood tests that result in routine adjustments of Coumadin, Warfarin, or Insulin as long as these medications are not newly prescribed or stopped; or,
• Changing from a brand name medication to the same dose of a generic medication.

Quarantine exclusions:

• We do not pay any benefits for quarantine or self-isolation in Canada as mandated by any government.
• We will not provide coverage for any pre-paid, unused travel arrangements.
• We will not cover any expenses you incur when you or your travel companion are denied entry to a country or region included in your trip when, before your departure date, there was a foreign government and/or regional travel guideline restricting entry of Canadian residents or guidelines that require self-isolation or quarantine for a specific period of time during your trip.

Other conditions, limitations and exclusions apply.

Please see the policy for details.

Government health travel advisory (GHTAC) rider

What are the benefits of purchasing this rider?

Our rider will protect you in the event of a government travel advisory change before your departure date. It will cover you for emergency medical expenses related to the travel advisory.

What if I do not purchase this rider?

 Your emergency medical insurance policy will still provide coverage for emergency medical expenses that are not related to the specific virus or disease that caused the government to issue the travel advisory.

Are there any exclusions?

There are a few exclusions you'll need to consider. See the policy for full details.