Travel Insurance
BENEFITS:
– Maximum Benefits: $5,000,000 (Premier plan) or $2,000,000 (Value plan). Without GHIP: $200,000.
– Emergency hospital: semi-private room or intensive care unit when medically necessary
– Ambulance Transportation: the use of a licensed local ambulance service up to $4,000.*
– Emergency Air Transportation: the cost for one-way economy airfare, stretcher, and medical attendant (if necessary) or air ambulance to transport you to your Canadian province or territory of residence. *
– Diagnostics and laboratory services as part of the Emergency. *
– Prescription Medications.
– In Hospital Private duty nursing*
– Medical Appliances: the rental or purchase of medical equipment (prescribed by a physician) such as Hospital beds, wheelchairs, braces, crutches, or other necessary medical appliances, with the lower cost option being covered.
– Accidental Dental: Up to $2,000 for a dental treatment to repair or replace intact natural teeth or permanently attached artificial teeth due to an Injury to the mouth.
– Paramedical Services: up to $250 per category of practitioner for a care received from acupuncturists, chiropractors, osteopaths, physiotherapists, or podiatrists.
– Return of Vehicle: up to $2,500 to return own or rental vehicle back to the original departure point or the rental agency (exclude the rental fees) in the event of a medical emergency.
– Expenses Related to Death: up to $5,000 for the preparation or transportation of the body back to the principal residence.
– Return of Dependents: the transportation costs for a dependent to return to their original departure point, and the cost of a qualified escort (if required) if the insured is hospitalized for an emergency for a duration exceeding 24 hours.
– Subsistence Allowance: $150 per day, up to $1,500 for meals, accommodations, phone calls and taxi fares in the event of an Emergency that prevents the insured or a travel companion from returning to the original departure point.
– Bedside Companion: the transportation (economy class or charter fare) and the cost of meals and accommodation for someone to be with you, if you are travelling alone and are hospitalized for a period of 3 days or longer (if the insured is a dependent, this benefit is immediately available upon hospital admission).
– Return Home Due to Major Event: up to $3,000 for an economy airfare transportation back to the principal residence, and back to the original trip destination if any of the following incidents occur:
• death of a Relative in Canada;
• Hospitalization of a Relative for a minimum of 7 consecutive days in Canada;
• a disaster has rendered the insured’s principal residence in Canada uninhabitable; or
• a disaster has made the insured’s land-based residence at their Trip destination uninhabitable (including trailers and motorhomes)
This benefit will also cover the economy airfare transportation back to the principal residence and the excess costs to return your vehicle that is not covered by the Return of Vehicle benefit, if you or your travel companion has been hospitalized for a minimum of 7 consecutive days and, upon discharge from the Hospital with medical evidence that you are unable to drive back home.*
*Approval from the Medical Director is required.
ELIGIBILITY:
To be eligible for coverage under the contract, as of the Application Date, a Person Insured must be physically present in Canada. This requirement does not apply if You are applying for a Single Trip Coverage as a Top-Up coverage for another travel insurance contract.
To be eligible for any coverage under the contract, as of the Effective Date, a Person Insured must:
1. a) be a Canadian citizen or permanent resident, or
b) be a visitor in Canada;
2. be at least 15 days old and less than 95 years old;
3. be the Policyowner, unless the sole Person Insured is under the age of 18 (if in Quebec) or age 16 (all other Canadian provinces or territories), in which case the Policyowner must be the Person Insured’s parent or legal guardian; and
4. if not the Policyowner, be a Spouse or Dependent of the Policyowner; and
5. be insurable in accordance with Our then-current underwriting rules.
A Person Insured is not eligible for any coverage under the contract if, as of the Effective Date, any of the following apply to a Person Insured, even if disclosed on the Application:
– they are experiencing new or undiagnosed signs or symptoms of a Sickness for which they reasonably expect may require Treatment while the contract is in force, or otherwise have a reasonably foreseeable need for Treatment while the contract is in force;
– in the 12 months prior to the Effective Date, they have:
a) received a diagnosis of stage 3 or stage 4 cancer, had cancer that has metastasized or received Treatment for pancreatic cancer or liver cancer;
b) received a Terminal Prognosis or a diagnosis of amyotrophic lateral sclerosis (ALS, Lou Gehrig’s disease);
c) been prescribed home oxygen (including an oxygen concentrator) or prednisone for a Lung Condition or Heart Condition;
d) had pulmonary fibrosis, cystic fibrosis, or interstitial lung disease;
e) been diagnosed with or received Treatment for stage IV or stage V kidney disease, kidney disease requiring dialysis, or cirrhosis of the liver;
f) used nitroglycerine in any form (spray, patch, or pill) for a Heart Condition for the relief of angina or chest pain or had cardiomyopathy with a grade IV ventricle or a ventricular ejection fraction of 40% or less;
g) had a dilation of the aorta or an aneurysm that has not been surgically repaired;
h) been a resident in a long-term care facility or an assisted living facility where they were helped with any activities of daily living (bathing, eating, using a toilet, taking Medication(s) or getting into or out of a chair or bed); or
i) been advised by any Physician that traveling on the Trip would be medically unsafe or that they should not travel on their Trip;
– in the 3 years prior to the Effective Date, they have received Treatment for aplastic anemia, hemolytic anemia, sickle cell anemia, or anemia requiring blood transfusions or bone marrow transplants, or have received Treatment in a Hospital for anemia through iron supplements;
– they have received Treatment for or taken Medication for congestive heart failure (CHF) or other types of heart failure; or
– they have undergone a bone marrow transplant, stem cell transplant, or an organ transplant (except for a cornea transplant).
If the Company determines at any time that a Person Insured was not eligible in accordance with the terms of this section, the contract is null and void and is deemed to have never taken effect, no benefits will be payable and premiums may not be refunded in cases of fraud.
PRE-EXISTING CONDITIONS:
Pre-Existing Condition(s) means a medical or physical condition, symptom, illness, or disease, whether diagnosed or not, for which Treatment has been received or taken, or for which a Person Insured exhibited signs or symptoms, at any time before the Effective Date.
The contract will not provide any coverage, and no payments will be issued for any expenses that result, either entirely or in part, from, are contributed to by, or naturally and predictably stem from any of following excluded risks:
1. Any Pre-Existing Condition, unless the most recent Policy Receipt from the Company confirms the Person Insured has Pre Existing Condition coverage and the Person Insured, or You on the Person Insured’s behalf, accurately and fully disclosed all of the Person Insured’s Pre-Existing Condition(s) material to the insurance applied for in the Application and such Pre-Existing Condition is not expressly excluded in the most recent Policy Receipt.
2. Any Pre-Existing Condition that is not excluded by exclusion #1 above and was not Stable at any time during the 180 days immediately before the Effective Date, unless such Pre-Existing Condition was Stable for more than 90 days prior to the Effective Date and disclosed in the Application by the Person Insured or You on behalf of the Person Insured, and the most recent Policy Receipt from the Company confirms the Person Insured has Pre-Existing Condition(s) coverage, the Person Insured, or You on behalf of the Person Insured, accurately and fully disclosed all of the Person Insured’s Pre-Existing Condition(s) material to the insurance applied for in the Application and such Pre-Existing Condition is not expressly excluded in the most recent Policy Receipt.
3. Any loss resulting from:
a) Any Pre-Existing Condition that is not excluded by exclusions #1 or 2 above and was not Stable at any time during the 90 days immediately before the Effective Date.
b) Any condition listed under “Exclusions” on the most recent Policy Receipt.
c) Any condition listed under “Notes” on the most recent Policy Receipt as an excluded condition.
d) Any loss, Sickness or Injury related to a Pre-Existing Condition that is not excluded by exclusions #1 or 2 above, if the Person Insured did not inform the Company of a change in such Pre- Existing Condition before the Effective Date and the Company did not agree in writing to cover such change in the Pre-Existing Condition.
Stable means that Your or a Person Insured’s condition remains unchanged or is not deteriorating. This includes:
(i) no alteration in signs or symptoms or the appearance of new signs or symptoms;
(ii) no reduction, increase, or discontinuation of Medication dosage or frequency;
(iii) no new Medications prescribed;
(iv) no Hospitalization or need for medical consultation (except routine examinations); and/or
(v) no prescription, receipt, or recommendation of any medical, therapeutic, or diagnostic procedure by a Physician, including
investigative testing or surgery.
EXTENSIONS:
If You have a Single Trip Coverage, You may request to change the Termination Date in order to extend the Policy Period, up to a maximum Policy Period of 365 days, provided the requested extension is made at least 10 days’ prior to the original Termination Date, meets minimum premium requirements and no claim is submitted or payable under the contract. An extension request will be rendered invalid if prior to the extension being approved by the Company, an Emergency occurs for which a claim may be submitted under the contract. The Company has sole discretion in its decision to grant an extension.
Extensions to the contract are not effective unless confirmed by the Company through the issuance of a new Policy Receipt.
Automatic Extension of Coverage
The contract will automatically be extended for the periods indicated below, without any additional premium, if, on or immediately prior to the Termination Date:
1. A Person Insured becomes Hospitalized, for the duration of the Hospitalization and up to 72 hours following the conclusion of the Emergency; or
2. A Person Insured’s scheduled commercial common carrier experiences delays due to extreme weather conditions or mechanical failures, for a period up to 72 hours following resolution of such delays.
It is essential to notify Trident Global Assistance immediately of such occurrences and provide documented proof of such occurrences that is satisfactory to Trident Global Assistance.
REFUNDS:
Refunds are not available for Annual Multi-Trip Coverages.
If You have purchased a Single Trip Coverage, You may submit a written request to Your Broker to cancel the contract and receive a refund of prepaid premiums if all of the following conditions are met:
a) This contract is signed by You and returned to the Company;
b) Sufficient proof is provided that the condition(s) for receiving a refund has (have) been met;
c) The Person Insured either did not commence their Trip or returned before the Termination Date;
d) No claims exceeding the Deductible(s) have been filed, paid, or are pending; and
e) The refund request is made before the Termination Date and the contract has not otherwise terminated.
Premium refunds, regardless of the payment method, must be requested and obtained through the Broker from whom the coverage was initially purchased.
If Your request to cancel the contract is approved by the Company and the total premium payable for the contract was paid on the Application Date, the refund amount will be calculated to the date of receipt of the written notice to Your Broker.
No claims will be reimbursed and no benefits will be payable under the contract after You have received a full or partial premium refund.
Applicable service fees and administrative charges are not refundable.
Notwithstanding the above, a full refund of the initial premium and fees paid is available if You return the contract for cancellation within 10 days after You receive it, pursuant to the “10 Day Free Look” section of this Policy.
SERVICE FEES AND ADMINISTRATIVE CHARGES
The following is a non-exhaustive list of common service fees and administrative charges:
a) to cancel Your contract (if not within 10 days after receiving Your contract): $25; and
b) to withdraw a claim to cancel Your contract and obtain a refund: $200.
CLAIMS:
For Emergencies, Claims Assistance and General Inquiries regarding Your travel insurance, call Trident Global Assistance at: Toll-Free 1-833-370-8777 (within Canada & US) International Collect 416-814-7615 (from other countries).
Failure to contact Trident Global Assistance within the first 24 hours of a hospitalization or Emergency room or medical clinic visit for an Emergency may result in a reduction in benefits under the contract.
REDUCTIONS OF COVERAGE
If You or the Person Insured fail to contact Trident Global Assistance within the first 24 hours of an Emergency or Hospitalization for an Emergency, the individual benefit maximums under the contract will be reduced by 50% and the coverage limit under the contract will be restricted to $25,000 if You have selected a coverage limit of $50,000 or more.
This reduction of coverage will not apply if the Person Insured’s condition prevents You and the Person Insured from contacting Trident Global Assistance as provided in this section, and You or the Person Insured contact Trident Global Assistance as soon as it is medically possible.
Claim Notification
You or the Person Insured are required to notify Trident Global Assistance in respect of any claim within 24 hours of an Emergency. Failure to do so will result in a reduction of coverage as described above.
Claim Form & Inquiries
To obtain a claim form or if You have an inquiry related to an existing claim, please contact Trident Global Assistance at 1-833-370-8777 within Canada or the US, or from any other country at 416-814-7615 (International Collect).
Mail or Delivery Claim Forms To:
Email: claims@tridentassistance.com
Trident Global Assistance
21 Four Seasons Place
Etobicoke, ON M9B 0A6
Claim Documentation
It is essential to submit all claims to Trident Global Assistance within 90 days from the date of the loss. If You or the Person Insured submit a claim but fail to provide proof of the claim within this 90-day period, the claim will not be invalidated if You or the Person Insured provide the proof as soon as reasonably possible and, in any case, within 1 year from the date of the loss. If applicable laws allow for a longer submission period, the extended timeframe specified by applicable law will apply.
In order for Trident Global Assistance to administer a claim, You or the Person Insured must provide all documents that Trident Global Assistance requires to support the claim. The Person Insured’s prior medical history will be reviewed when a claim is reported. Please note that incomplete proof of claim and authorization forms will result in delays in the assessment of the claim.
EXCLUSIONS:
The contract will not provide any coverage, and no payments will be issued for any expenses that result, either entirely or in part, from, are contributed to by, or naturally and predictably stem from any of following excluded risks:
1. Any Pre-Existing Condition, unless the most recent Policy Receipt from the Company confirms the Person Insured has Pre-Existing Condition coverage and the Person Insured, or You on the Person Insured’s behalf, accurately and fully disclosed all of the Person Insured’s Pre-Existing Condition(s) material to the insurance applied for in the Application and such Pre-Existing Condition is not expressly excluded in the most recent Policy Receipt.
2. Any Pre-Existing Condition that is not excluded by exclusion #1 above and was not Stable at any time during the 180 days immediately before the Effective Date, unless such Pre-Existing Condition was Stable for more than 90 days prior to the Effective Date and disclosed in the Application by the Person Insured or You on behalf of the Person Insured, and the most recent Policy Receipt from the Company confirms the Person Insured has Pre-Existing Condition(s)
coverage, the Person Insured, or You on behalf of the Person Insured, accurately and fully disclosed all of the Person Insured’s Pre-Existing Condition(s) material to the insurance applied for in the Application and such Pre-Existing Condition is not expressly excluded in the most recent Policy Receipt.
3. Any loss resulting from:
a) Any Pre-Existing Condition that is not excluded by exclusions #1 or 2 above and was not Stable at any time during the 90 days immediately before the Effective Date.
b) Any condition listed under “Exclusions” on the most recent Policy Receipt.
c) Any condition listed under “Notes” on the most recent Policy Receipt as an excluded condition.
d) Any loss, Sickness or Injury related to a Pre-Existing Condition that is not excluded by exclusions #1 or 2 above, if the Person Insured did not inform the Company of a change in such Pre-Existing Condition before the Effective Date and the Company did not agree in writing to cover such change in the Pre-Existing Condition.
4. The Person Insured experiencing new or undiagnosed signs or symptoms of a Sickness for which they reasonably expect may require Treatment during the Trip, or otherwise have a reasonably foreseeable need for Treatment during the Trip;
5. Any loss resulting from:
a) Emergency medical services that are not deemed Medically Necessary by the Medical Director as part of an Emergency Treatment protocol;
b) Ongoing or follow-up care or rehabilitative care (unless expressly provided for in the contract), unless any further care is explicitly approved by the Medical Director in advance or is Medically Necessary as part of an Emergency Treatment protocol; or
c) Treatment, investigation, or Hospitalization for a Recurrence.
6. Any loss, Sickness or Injury for an Emergency occurring outside of the Coverage Period or while the Person Insured is in their Canadian province or territory of residence, unless the Person Insured experiences an Emergency while in direct transit to or from Canada (including layovers) and the contract is in effect.
7. Any loss resulting from:
a) Lost or replacement Medication, eyeglasses, contact lenses, or hearing aids;
b) Dental services, unless expressly covered by this contract; or
c) Treatment of varicose veins, gout, arthritis, bursitis, decubitus ulcers (pressure sores), or cataracts, unless expressly provided for in this contract.
8. Any loss, Sickness or Injury if the travel was undertaken against medical advice or after receiving notice of a Terminal Prognosis.
9. Any loss in relation to transplants, including cornea transplant, organ transplant, bone marrow transplant, artificial limbs, prosthetic devices (other than a knee or a hip that had been replaced over 12 months ago from the start of a Trip), implants and any associated costs.
10. Any expenses for which prior approval by the Medical Director was required and not obtained, including but not limited to:
a) Cardiac or heart-related medical procedures, such as cardiac catheterization, coronary artery bypass surgery, coronary angioplasty, or any surgical interventions involving the heart;
b) Surgical procedures, diagnostic tests such as magnetic resonance imaging (MRI), computerized axial tomography (CAT), biopsy and other diagnostic tests;
c) Air ambulance services;
d) Any other medical procedure, hospitalization, or ambulance service for which prior approval by the Medical Director is required in the benefit provisions; and
e) Any Emergency assistance services that must be authorized or arranged by the Medical Director in accordance with the benefit provisions.
This exclusion will not apply if the Person Insured’s condition prevents You or the Person Insured from seeking approval in advance by the Medical Director or if such procedures are Medically Necessary as part of an Emergency Treatment protocol determined by the attending Physician, and You or the Person Insured contact the Company as soon as it is medically possible.
11. Expenses incurred when a Trip is taken with the purpose of obtaining Treatment outside the Person Insured’s Canadian province or territory of residence, regardless of whether it was recommended by their attending Physician.
12. Pregnancy-related expenses, including routine prenatal care, abortion, miscarriage, or childbirth; complications arising from pregnancy or childbirth.
13. For Persons Insured under 1 year of age on the Effective Date, any Emergencies linked to or stemming from a congenital birth defect of the Person Insured.
14. Any medical expenses resulting from:
a) Cancer, excluding those arising from a first-time diagnosis;
b) Failure to adhere to a Physician’s recommended or prescribed Treatment;
c) Mental or emotional disorders or acute psychosis (including stress and anxiety) not necessitating Hospitalization;
d) Consultations with a medical specialist that were not referred by a Physician;
e) Visits to a dermatologist;
15. Any loss, Sickness or Injury arising from acts of war, invasion, actions by foreign adversaries, hostilities, warlike operations (regardless of whether an official declaration of war has been made), civil war, terrorism, rebellion, revolution, insurrection, civil unrest reaching the level of an uprising, or the exercise of military or usurped authority.
16. Any loss, Sickness or Injury resulting from the Person Insured engaging in rock or mountain climbing; activities like hang gliding, parachuting, bungee jumping, or skydiving; participation in motor sports or motor racing; involvement in organized sports in a professional capacity; scuba diving unless the Person Insured possess an open water diving certificate; or operating or undergoing training to operate any aircraft, whether as a pilot or crew member.
17. Any losses relating to: over-the-counter Medication(s) readily available without a prescription; vaccinations, immunizations, injections, or Medication(s) administered for preventative purposes or to manage a Pre-Existing Condition; contraceptives, fertility drugs, vitamin supplements, routine physical check-ups, or standard medical tests; unless expressly provided as a benefit herein.
18. Any self-inflicted Injury, including suicide attempts, regardless of the Person Insured’s state of mind.
19. Any loss, Sickness or Injury arising from or in connection with the Person Insured committing or attempting to commit any illegal activity under any applicable law, whether or not charged or convicted of such offence.
20. Any loss, Sickness or Injury arising from or in connection with the Person Insured’s abuse of Medication, alcohol consumption, or being impaired or adversely affected by Medication, alcohol, or intoxicants.
21. Any unlawful acts committed by You or a Person Insured, a Relative, or a Travel Companion, regardless of whether they are Persons Insured.
22. Expenses for the return of the Person Insured’s vehicle if You or the Person Insured pre-booked the return of the vehicle before experiencing an Emergency.
23. Expenses for economy airfare if You or the Person Insured pre-booked return airfare to Your or the Person Insured’s Canadian province or territory of residence before experiencing an Emergency.
24. Any loss, Sickness or Injury arising from Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS) or any potential consequences associated with these conditions.
25. Any loss, Sickness or Injury arising from sexually transmitted diseases.
26. Expenses arising from or in relation to a Person Insured’s Hospitalization on the Effective Date, if the Effective Date occurs after the start of the Trip.
27. Expenses incurred during any employment or other duties for which Person Insured received compensation or benefits.
28. Any expenses incurred within Person Insured’s Canadian province or territory of residence, unless expressly provided for in the contract.
29. Any interest, finance or late payment charge.
30. Any expenses for elective or non-Emergency medical or dental Treatment.
31. Any loss, Sickness or Injury arising from or in connection with an automobile accident if You are or the Person Insured is entitled to benefits under an automobile insurance policy, including but not limited to no-fault benefits, or under an applicable Insurance Act, in accordance with the “Coordination of Benefits” provision in the General Terms & Conditions of this Policy.
32. Any loss, Sickness or Injury arising or resulting from the Person Insured’s exposure to the radioactive, toxic, explosive, or other hazardous properties of nuclear materials or by-products.
33. Treatment for any Emergency experienced by the Person Insured while on their Trip, if prior to the Coverage Period:
a) an official travel advisory issued by the Canadian government explicitly states, “Avoid all non-essential travel” or “Avoid all travel” concerning the country, region, or city of the Person Insured’s destination; and
b) the Emergency is related to such travel advisory.
34. Expenses for which no charge would typically be incurred in the absence of insurance, expenses that exceed the Reasonable and Customary charges for the region where the services were provided, or any loss, Sickness or Injury if the expense is incurred in the Person Insured’s Canadian province or territory of residence.
35. Any loss or expense for which a claim was made involving fraud or deliberate misstatement or concealment.
The contract will not provide any coverage, and no payments will be made, for any loss or expense insured by other existing insurance coverages, including but not limited to, a Government Health Insurance Plan or a private plan, as further described in the “Coordination of Benefits” section of the General Terms & Conditions of this Policy .
If a Person Insured is covered under more than one travel insurance contract underwritten by the Company and the total amount of insurance in respect of the Person Insured exceeds the largest coverage limit of any one of such travel insurance contracts, the Company’s aggregate liability will not exceed that coverage limit and any excess insurance will be void and the premiums paid for such excess insurance will be refunded.
Notwithstanding the above, if a Person Insured is not covered by a Government Health Insurance Plan, the Company’s aggregate liability for all contracts with the Company under which the Person Insured is covered will not exceed $200,000 and any excess insurance will be void and the premiums paid for such excess insurance will be refunded.
Benefits are not payable and will terminate on the commencement of, any period during which You are or a Person Insured is serving a sentence for a criminal offence and are confined in a prison or other place of detention, including but not limited to, a mental institution, a halfway facility, or private residence (under house arrest).
This contract provides no coverage and the Company shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such coverage, payment of such claim or provision of such benefit would expose the Company to any trade or economic sanctions, or cause the Company to be non-compliant with any applicable laws or regulations of Canada.
Trident Global Assistance has the authority to transfer the Person Insured to a different Hospital, provided they are medically fit for such a transfer, or to arrange transportation to return them to their Canadian province or territory of residence following an Emergency. If the Person Insured chooses not to be transferred to another Hospital or return to their Canadian province or territory of residence when deemed medically fit to travel by the Medical Director, any ongoing expenses for Sickness or Injury will not be covered.
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.
