{"id":190,"date":"2022-06-16T17:13:41","date_gmt":"2022-06-16T17:13:41","guid":{"rendered":"\/\/www.travellersinsurance.ca\/?page_id=190"},"modified":"2025-02-14T23:09:11","modified_gmt":"2025-02-14T23:09:11","slug":"faqs","status":"publish","type":"page","link":"https:\/\/www.travellersinsurance.ca\/faqs\/","title":{"rendered":"FAQ&#8217;s"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-190\" data-postid=\"190\" class=\"themify_builder_content themify_builder_content-190 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_cm9b850 tb_first tf_w\">\n            <span class=\"builder_row_cover tf_abs\"><\/span>            <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_3dco851 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_qaf2851   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1>Faq&#8217;s<\/h1>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_d1ho198 tf_w\">\n                        <div class=\"row_inner col_align_middle gutter-narrow tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_bw81199 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_ksxb199 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_y031200 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_5r6v40   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>mostly asked question<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_1nrr72 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_pg3l73 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_d61273   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>Travellers Insurance<\/h2>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module accordion -->\n<div  class=\"module module-accordion tb_1myg116 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate  transparent\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-0\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-0-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    1. What is a Deductible?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-0-content\" data-id=\"acc-1myg116-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_jej6605\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_8867605 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_wcxs605   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with a $50 deductible and incur $200 of expenses, the insurance company will begin to reimburse for expenses after you have paid the first $50 of your medical bills.<br>There are two different kinds of deductibles,\u00a0<strong>per-claim<\/strong>\u00a0and\u00a0<strong>per-policy period<\/strong>. A per claim deductible means that the insured must pay a new deductible for each separate incident. (Example: pay the deductible once for a broken leg and then a second time for a flu treatment). A per-policy period deductible means that the insured must pay the deductible only once during the period of the insurance policy. If your plan has a $100 deductible, you pay the first $100 of the expenses and then the insurance company picks up the rest. The higher the deductible, the lower the premium cost and vice versa.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-1\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-1-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    2. What is a Pre-existing Condition?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-1-content\" data-id=\"acc-1myg116-1\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_a12v605\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_j7w0605 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_pdw8605   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Generally, pre-existing conditions are defined as any sickness, injury or medical condition for which the insured consulted a physician, has symptoms, has been hospitalized or was prescribed medications within a certain period before the effective date of coverage. Each insurance company treats pre-existing conditions differently and this is a major reason for declined medical claims. The look back period may vary from 3 months to a life time. Please, read the exclusion section in the insurance policy booklet for exact definition.<br>There are certain visitors insurance plans in which coverage for stable pre-existing conditions is possible. Please call our customer service at 1-877-838-0020 for more information.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-2\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-2-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    3. Can I cover a pre-existing condition with a Travel insurance policy?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-2-content\" data-id=\"acc-1myg116-2\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_b7d0605\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_t5mn605 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_t3lx605   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Some insurance companies cover people if their medical conditions is under control and stable for certain period (3 to 6 months) before travel. Be aware that a simple change in medication can mean that the medical condition is not considered &#8220;stable&#8221;. Policy definitions are critical and the rules vary depending on the age of the policy-holder. It is up to each policy holder to make sure they qualify. Some insurance companies are able to underwrite and give individual quotes for people with pre-existing medical conditions.<br>Even policies that include pre-existing conditions do not reimburse expenses to maintain the condition, but complications that require medical attention, hospitalization or death from that pre-existing condition are covered.<br>Be honest and disclose all details for your pre-existing medical condition. If you have a $50,000 claim after suffering a heart attach, the insurance company will likely check into your medical history.<br>Please, call our customer service at 1-877-838-0020 for more detail<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-3\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-3-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    4. Is there any medical test required before we can buy Travel Insurance?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-3-content\" data-id=\"acc-1myg116-3\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_3bm9605\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_e3np605 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_k1c6605   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>No, there is no medical examination required for purchasing any Travel Insurance plan. You can buy the policies online any time and get coverage from the following day.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-4\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-4-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    5. Is it possible to extend a Travel Insurance policy term?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-4-content\" data-id=\"acc-1myg116-4\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_7pxg605\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_ogug605 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_qo5y605   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Most Travel Insurance policies can be extended (some conditions apply). Just call us or your insurance company prior to the expiration of the policy. The insured person must be in good health and not have any pending medical claims.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-5\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-5-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    6. Can I cancel an insurance policy and receive a refund?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-5-content\" data-id=\"acc-1myg116-5\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_ipy6606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_6yzc606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_eimp606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply. Partial refunds (less cancellation fee) after the effective date, are available if the policy is terminated because of early return to the home province and no claim has been incurred.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-6\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-6-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    7. Can I go to any doctor\/hospital, or am I limited to specific medical practitioners?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-6-content\" data-id=\"acc-1myg116-6\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_8qkm606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_m3mw606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_r07o606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>There is no restrictions where you seek medical service, as long as the amount charged by the providers is Usual, Customary and Reasonable for a particular service, treatment, or supply.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-7\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-7-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    8. What is covered by the Travel Medical Insurance?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-7-content\" data-id=\"acc-1myg116-7\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_vc67606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_3taz606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_zewp606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Travel medical insurance is intended to cover sudden, unexpected, and unforeseeable circumstances. Please read the Benefits section for a summary of the available coverage.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-8\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-8-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    9. What is not covered?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-8-content\" data-id=\"acc-1myg116-8\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_lt2o606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_jakm606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_jqxk606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read and understand the policy before you buy Travel Insurance.<br>Generally, most policies do not cover pre-existing conditions. The definition varies from policy to policy. Other common exclusion is accidents or illness caused by abuse of drugs or alcohol. Also not covered are routine health-care, elective or cosmetic surgery, and follow-up, non-emergency care that could be done in your home-country or province. Many plans limit benefits if insured fail to get advance approval for treatment. Some policies don&#8217;t cover risky sports like bungee jumping, rock climbing, scuba diving or hang gliding. Self-inflicted injuries are not covered, nor are injuries caused while a policy-holder is committing a criminal act.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-9\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-9-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    10. Do you offer group travel insurance?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-9-content\" data-id=\"acc-1myg116-9\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_na5f606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_qjnu606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_br0e606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Yes, some insurance companies offer discount prices for group travel medical insurance.<br>Please, call our customer service at 1-877-838-0020 for more information.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-10\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-10-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    11. Why do I need insurance?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-10-content\" data-id=\"acc-1myg116-10\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_oh35606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_wkfw606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_l481606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Travel insurance protects in the case of medical and family emergencies, delays, theft and the last-minute plan changes that can happen to both frequent and occasional travelers. Without travel insurance, a broken arm, even something as basic as the flu could turn into substantial medical bills costing thousands of dollars. Health care costs are very expensive. Hospitals can charge thousands of dollars per day. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs, which can create a significant financial burden.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-11\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-11-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    12. Why do I need to use a broker?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-11-content\" data-id=\"acc-1myg116-11\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_rj2b606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_lm45606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_130o606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Insurance premium is the same whether the plan is purchased directly from an insurance company or through a broker like\u00a0<a href=\"\/\/www.travellersinsurance.ca\/\">www.travellersinsurance.ca<\/a>. Working with a broker gives you some advantages:<br>&#8211; We offer compare one stop shopping for Travel Medical Insurance.<br>&#8211; We work for our clients, not for an insurance company.<br>&#8211; We offer extended hours customer service. Insurance companies have limited office hours.<br>&#8211; We offer claim support for our clients.<br>&#8211; We offer experience and knowledge to help you make the right decision.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-12\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-12-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    13. Are there any discounts for Travel Insurance?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-12-content\" data-id=\"acc-1myg116-12\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_qxw4606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_aboy606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_cs1p606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>The published premiums from the insurance companies are the only rates available. Offering discounts from these prices initiated by an insurance broker or travel agent is strictly forbidden under the Codes of Conduct that apply to our operation. Any agent caught doing it could lose their license.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-13\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-13-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    14. I have travel insurance from my credit card, Is the coverage enough?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-13-content\" data-id=\"acc-1myg116-13\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_a8pr606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_kemn606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_waof606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Some credit cards provide basic travel insurance, but you must read the fine print to find out exactly what&#8217;s covered, under what conditions, and what the limits are. Many credit cards have very low coverage limits. The coverage may apply for a limited time period, or may be available only to a certain age.<br>There are many sources of travel insurance: travel agents, banks and trust companies, credit cards, and some general insurance brokers sell travel insurance, too. You may have coverage even from your work through the company benefits or from an association that you are member.<br>We, as insurance brokers, specialized in personal health and travel insurance and we guarantee our expertise and service.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1myg116-14\" class=\"tb_title_accordion\" aria-controls=\"acc-1myg116-14-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    15. Why should I purchase insurance from a Canadian company and not buy insurance in my destination country?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1myg116-14-content\" data-id=\"acc-1myg116-14\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_d17t606\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_eqyl606 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_gjy2606   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>&#8211; Quick claim procedure in Canada (you get your money faster).<br>&#8211; Direct billing between hospitals and most of the Canadian insurance companies.<br>&#8211; Canadian insurance companies are regulated by the Canadian financial regulators. It is much easier to claim improper practice of a Canadian insurance company here in Canada than in a country somewhere else in the world.<br>&#8211; Canadian insurance companies are re-insured by Assuris &#8211; the Canadian government organization that will cover up to $60,000 of medical expenses in case of an insolvency of a Canadian insurance company. If total benefits exceed this amount, Assuris covers 85% of the promised benefits, but not less than $60,000.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_2u2r835 last\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_oue4730 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate  transparent\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-0\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-0-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    16. How do I purchase insurance?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-0-content\" data-id=\"acc-oue4730-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_gygr607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_rf74607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_rspk607   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Buying or ordering insurance online is very simple. After filling out the &#8220;<a href=\"\/\/www.travellersinsurance.ca\/index.php\">Free Quote<\/a>&#8221; form you will receive quotas from all Canadian insurance companies. From that page, you can click &#8220;Direct Buy&#8221; or &#8220;Order Online&#8221; button in the first column. This leads you to the appropriate online application form. If you choose &#8220;Direct Buy&#8221; you will be transferred to an insurance company secure web site where you can instantly purchase a Visitors Insurance. If you complete &#8220;Order Online&#8221; form, you will be contacted by our customer service department for the method of payment. In both options you will receive an e-mail with an attached &#8220;Confirmation of coverage&#8221; document with a policy number and the information that you provided. The coverage will start from the start date as indicated on the form. Within a few days you will receive a package by mail that will include a policy booklet and a signed &#8220;Confirmation of coverage&#8221;<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-1\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-1-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    17. What is used as proof of purchasing insurance?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-1-content\" data-id=\"acc-oue4730-1\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_xt6f607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_75b3607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_6ty2607   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>When you purchase insurance online, you will immediately receive a confirmatory email with details of the insurance. This is you virtual insurance document. You will also receive paper confirmation by mail.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-2\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-2-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    18. I made a mistake in entering my data while purchasing the insurance, what should I do?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-2-content\" data-id=\"acc-oue4730-2\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_l9wk607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_6jjo607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_5t8x607   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Contact our customer service at 1-877-838-0020.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-3\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-3-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    19. What should I do in the case of an emergency and\/or hospitalization?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-3-content\" data-id=\"acc-oue4730-3\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_tuyl607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_5e9m607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_t4ps607   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>You must notify your insurance company as soon as possible of any emergency medical treatment or hospitalization. Failure to do so will result in decreasing your insurance benefit.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-4\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-4-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    20. Why should I call the emergency assistance center immediately?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-4-content\" data-id=\"acc-oue4730-4\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_tbtp607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_23h2607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_s6id607   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Most of the insurance companies have emergency assistance and claims personnel available to help you 24 hours a day, 7 days a week. Experienced multilingual staff verify coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed.<br>They&#8217;re here to help you.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-5\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-5-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    21. How do I make a claim?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-5-content\" data-id=\"acc-oue4730-5\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_m78x607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_5vz0607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_98pc607   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>To make a claim, you will need to complete a claim form and attach the original medical bills, receipts and invoices (always make a copy for your record) and mail them to your insurance company.<br>All claims should be reported in writing within 30 days of acquiring and all original documents have to be transmitted to the insurance company within 90 days.<br>All insurance companies have &#8220;Claim Assistance&#8221; telephone numbers.<br>For more information on how to make a claim, please, check our &#8221;\u00a0<a title=\"\" href=\"\/\/www.travellersinsurance.ca\/claims\/\" target=\"_blank\" rel=\"noopener\">Claims<\/a>&#8221; page.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-6\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-6-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    22. What if the insurance company do not pay my claim?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-6-content\" data-id=\"acc-oue4730-6\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_gfgw607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_ppot607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_85wl607   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Insurance policies are legal documents and insurance companies are obligated to follow the conditions of the contracts. If you disagree with an insurance company&#8217;s claim decision, you may:\u00a0<strong>1.<\/strong>Request in writing from the insurance company to review your claim;\u00a0<strong>2.<\/strong>\u00a0If not satisfied again with the second decision, you have the right of arbitration in accordance with the law governing arbitration proceedings in the province in which your policy was issued. Legal action to recover a claim must start within 12 months of the date of bodily injury or the date on which you first received any emergency medical service;<strong>\u00a03.<\/strong>You also have the option of contacting the following regulating bodies: Better Business Bureau &#8211;\u00a0<a href=\"\/\/www.bbb.org\/\" target=\"_blank\" rel=\"noopener\">www.bbb.org<\/a>\u00a0(enter your Canadian postal code to find nearest office) Canadian Life and Health Insurance OmbudService &#8211;\u00a0<a href=\"\/\/www.olhi.ca\/\" target=\"_blank\" rel=\"noopener\">\/\/www.olhi.ca<\/a><\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-7\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-7-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    23. When are sports-related injuries covered?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-7-content\" data-id=\"acc-oue4730-7\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_ljwt607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_p5y5607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_yb6e607   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Injuries related to sports are covered under the Travel Insurance policy when the insured is involved in recreational sports while visiting Canada. Professional athletes, extreme sports and organized sport activities require the purchase the &#8220;Optional Sports Rider&#8221; or call our customer service for a quote.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-8\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-8-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    24. What is co-insurance?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-8-content\" data-id=\"acc-oue4730-8\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_20g0607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_gme4607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_c2c2607   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>After your deductible is met, co-insurance is the percentage of the covered medical expenses that you, the insured person, must pay.<br>For instance, if your health plan has an 80\/20 co-insurance rate, your insurance plan pays for 80% of your eligible medical expenses and you are responsible for the remaining 20%.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-9\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-9-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    25. What is a Policy Period?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-9-content\" data-id=\"acc-oue4730-9\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_ztt5607\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_9iav607 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_x1g8608   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>&#8220;Policy Period&#8221; is the amount of time between the effective and expiry date of your insurance policy. Travel Insurance policy periods can be as short as 5 days and as long as 12 months. For example, if you complete an application and pay for 6 months of insurance, the policy period for that insurance will be 6 months.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-10\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-10-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    26. What is the meaning of Usual, Customary and Reasonable?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-10-content\" data-id=\"acc-oue4730-10\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_1cti608\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_16yh608 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_9ruj608   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Usual, Customary and Reasonable charges represent the average or most common amount charged by medical providers for a particular service, treatment, or supply in the same geographic area. Typically information on rates for procedures is compiled into a data bank and updated periodically. So when a claim is submitted for a plan with UC&amp;R benefits, the insurance company before making the claim payment reviews the UC&amp;R rate and double checks that hospitals and doctors are not billing excessively for the particular service or procedure.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-11\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-11-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    27. Should I take and read the official policy wording booklet?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-11-content\" data-id=\"acc-oue4730-11\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_pxn8608\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_q5lk608 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_zhpw608   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>The official policy wording booklet includes the terms and conditions of your insurance policy as well as important contact information you will need in case of an emergency. As with any insurance, some of those terms may limit the benefits payable. It is important to read your policy wording carefully. Take the policy booklet with you, so you can refer to it if necessary.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-12\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-12-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    28. Is it safe to purchase Insurance online?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-12-content\" data-id=\"acc-oue4730-12\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_ynt2608\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_gwni608 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_a898608   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Yes. The application forms are in a highly secure ordering environment so you can enroll in the insurance plans with confidence. The insurance providers use Secure Socket Layers (SSL), for transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. You will remain in this secure zone for the entire purchase process.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-13\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-13-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    29. Is my personal information protected?                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-13-content\" data-id=\"acc-oue4730-13\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_mmpl608\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_dpwd608 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_8ncp608   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>The protection of your personal information is very important to us. Our high standards for privacy protection comply with Canada&#8217;s privacy laws. Basic policyholder information is gathered at the time of application to determine the premium and appropriate coverage. The insurance companies may need your medical information at the time of a claim to help provide the best possible assistance, arrange care and possible medical evacuation, and to determine coverage. The information is used only as needed and is maintained securely for the period required by law. You may also view our Privacy Policy.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-oue4730-14\" class=\"tb_title_accordion\" aria-controls=\"acc-oue4730-14-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-angle-down\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-angle-up\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-up\"><\/use><\/svg><\/i>                    30. Questions to ask before choose Travel Insurance:                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-oue4730-14-content\" data-id=\"acc-oue4730-14\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_ff5l608\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_577g608 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_fl4x608   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><em><strong>&#8211; What is the deductible?<\/strong><\/em>\u00a0This is the amount that you have to pay before the insurance kicks in. It could vary from $0 to thousands of dollars.<br><em><strong>&#8211; Does the insurance plan cover pre-existing conditions?<\/strong><\/em>\u00a0Some policies cover STABLE pre-existing conditions.<br><em><strong>&#8211; What is the look-back period for pre-existing conditions?<\/strong><\/em>\u00a0The shorter the look-back period &#8211; the better for the policy-holders. Some companies require the condition to appear before 4 or 6 months not to be considered pre-existing. Other insurance policies have life-time look-back periods for medical conditions.<br><em><strong>&#8211; Do I have to go to a pre-approved medical service providers in case of medical emergency?<\/strong><\/em>\u00a0Some plans limit or refuse payments if you use unapproved providers for medical services.<br><em><strong>&#8211; Is there a coverage limit or change of coverage details at a certain age?<\/strong><\/em><\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_yzn5227 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_ijil229 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_f253396   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><strong>* Please, read all the fine print and ask questions before you buy. Carry proof of your insurance with you on your trip. And shop around &#8211; there is a big difference in policy features and costs. But do not pick a policy on price alone.<\/strong><\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_4ja6345 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_vve0346 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_9jnt59   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><strong>Disclaimer:<\/strong><br>All questions on this web site have been answered to the best of our knowledge. Since insurance companies can change their policy wording and premium rates at any time without notice, we cannot guarantee the accuracy of the information on this page. We will not be held liable in any case, for any problem arising from reading these questions and answers. Please, use this information at your own risk.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Faq&#8217;s<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"page-group":[],"class_list":["post-190","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":{"pageTitle":"","pageDescription":"","keywords":"","redirectto":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FAQ&#039;s | Canadian Travellers Insurance<\/title>\n<meta name=\"description\" content=\"The FAQ page addresses common questions about 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policies.","breadcrumb":{"@id":"https:\/\/www.travellersinsurance.ca\/faqs\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.travellersinsurance.ca\/faqs\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.travellersinsurance.ca\/faqs\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.travellersinsurance.ca\/"},{"@type":"ListItem","position":2,"name":"FAQ&#8217;s"}]},{"@type":"WebSite","@id":"https:\/\/www.travellersinsurance.ca\/#website","url":"https:\/\/www.travellersinsurance.ca\/","name":"Canadian Travellers Insurance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.travellersinsurance.ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"builder_content":"<h1>Faq's<\/h1>\n\n<h4>mostly asked question<\/h4>\n<h2>Travellers Insurance<\/h2>\n<ul><li><h4>1. What is a Deductible?<\/h4><p>This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with a $50 deductible and incur $200 of expenses, the insurance company will begin to reimburse for expenses after you have paid the first $50 of your medical bills.<br>There are two different kinds of deductibles,\u00a0<strong>per-claim<\/strong>\u00a0and\u00a0<strong>per-policy period<\/strong>. A per claim deductible means that the insured must pay a new deductible for each separate incident. (Example: pay the deductible once for a broken leg and then a second time for a flu treatment). A per-policy period deductible means that the insured must pay the deductible only once during the period of the insurance policy. If your plan has a $100 deductible, you pay the first $100 of the expenses and then the insurance company picks up the rest. The higher the deductible, the lower the premium cost and vice versa.<\/p><\/li><li><h4>2. What is a Pre-existing Condition?<\/h4><p>Generally, pre-existing conditions are defined as any sickness, injury or medical condition for which the insured consulted a physician, has symptoms, has been hospitalized or was prescribed medications within a certain period before the effective date of coverage. Each insurance company treats pre-existing conditions differently and this is a major reason for declined medical claims. The look back period may vary from 3 months to a life time. Please, read the exclusion section in the insurance policy booklet for exact definition.<br>There are certain visitors insurance plans in which coverage for stable pre-existing conditions is possible. Please call our customer service at 1-877-838-0020 for more information.<\/p><\/li><li><h4>3. Can I cover a pre-existing condition with a Travel insurance policy?<\/h4><p>Some insurance companies cover people if their medical conditions is under control and stable for certain period (3 to 6 months) before travel. Be aware that a simple change in medication can mean that the medical condition is not considered \"stable\". Policy definitions are critical and the rules vary depending on the age of the policy-holder. It is up to each policy holder to make sure they qualify. Some insurance companies are able to underwrite and give individual quotes for people with pre-existing medical conditions.<br>Even policies that include pre-existing conditions do not reimburse expenses to maintain the condition, but complications that require medical attention, hospitalization or death from that pre-existing condition are covered.<br>Be honest and disclose all details for your pre-existing medical condition. If you have a $50,000 claim after suffering a heart attach, the insurance company will likely check into your medical history.<br>Please, call our customer service at 1-877-838-0020 for more detail<\/p><\/li><li><h4>4. Is there any medical test required before we can buy Travel Insurance?<\/h4><p>No, there is no medical examination required for purchasing any Travel Insurance plan. You can buy the policies online any time and get coverage from the following day.<\/p><\/li><li><h4>5. Is it possible to extend a Travel Insurance policy term?<\/h4><p>Most Travel Insurance policies can be extended (some conditions apply). Just call us or your insurance company prior to the expiration of the policy. The insured person must be in good health and not have any pending medical claims.<\/p><\/li><li><h4>6. Can I cancel an insurance policy and receive a refund?<\/h4><p>Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply. Partial refunds (less cancellation fee) after the effective date, are available if the policy is terminated because of early return to the home province and no claim has been incurred.<\/p><\/li><li><h4>7. Can I go to any doctor\/hospital, or am I limited to specific medical practitioners?<\/h4><p>There is no restrictions where you seek medical service, as long as the amount charged by the providers is Usual, Customary and Reasonable for a particular service, treatment, or supply.<\/p><\/li><li><h4>8. What is covered by the Travel Medical Insurance?<\/h4><p>Travel medical insurance is intended to cover sudden, unexpected, and unforeseeable circumstances. Please read the Benefits section for a summary of the available coverage.<\/p><\/li><li><h4>9. What is not covered?<\/h4><p>Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read and understand the policy before you buy Travel Insurance.<br>Generally, most policies do not cover pre-existing conditions. The definition varies from policy to policy. Other common exclusion is accidents or illness caused by abuse of drugs or alcohol. Also not covered are routine health-care, elective or cosmetic surgery, and follow-up, non-emergency care that could be done in your home-country or province. Many plans limit benefits if insured fail to get advance approval for treatment. Some policies don't cover risky sports like bungee jumping, rock climbing, scuba diving or hang gliding. Self-inflicted injuries are not covered, nor are injuries caused while a policy-holder is committing a criminal act.<\/p><\/li><li><h4>10. Do you offer group travel insurance?<\/h4><p>Yes, some insurance companies offer discount prices for group travel medical insurance.<br>Please, call our customer service at 1-877-838-0020 for more information.<\/p><\/li><li><h4>11. Why do I need insurance?<\/h4><p>Travel insurance protects in the case of medical and family emergencies, delays, theft and the last-minute plan changes that can happen to both frequent and occasional travelers. Without travel insurance, a broken arm, even something as basic as the flu could turn into substantial medical bills costing thousands of dollars. Health care costs are very expensive. Hospitals can charge thousands of dollars per day. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs, which can create a significant financial burden.<\/p><\/li><li><h4>12. Why do I need to use a broker?<\/h4><p>Insurance premium is the same whether the plan is purchased directly from an insurance company or through a broker like\u00a0<a href=\"\/\/www.travellersinsurance.ca\/\">www.travellersinsurance.ca<\/a>. Working with a broker gives you some advantages:<br>- We offer compare one stop shopping for Travel Medical Insurance.<br>- We work for our clients, not for an insurance company.<br>- We offer extended hours customer service. Insurance companies have limited office hours.<br>- We offer claim support for our clients.<br>- We offer experience and knowledge to help you make the right decision.<\/p><\/li><li><h4>13. Are there any discounts for Travel Insurance?<\/h4><p>The published premiums from the insurance companies are the only rates available. Offering discounts from these prices initiated by an insurance broker or travel agent is strictly forbidden under the Codes of Conduct that apply to our operation. Any agent caught doing it could lose their license.<\/p><\/li><li><h4>14. I have travel insurance from my credit card, Is the coverage enough?<\/h4><p>Some credit cards provide basic travel insurance, but you must read the fine print to find out exactly what's covered, under what conditions, and what the limits are. Many credit cards have very low coverage limits. The coverage may apply for a limited time period, or may be available only to a certain age.<br>There are many sources of travel insurance: travel agents, banks and trust companies, credit cards, and some general insurance brokers sell travel insurance, too. You may have coverage even from your work through the company benefits or from an association that you are member.<br>We, as insurance brokers, specialized in personal health and travel insurance and we guarantee our expertise and service.<\/p><\/li><li><h4>15. Why should I purchase insurance from a Canadian company and not buy insurance in my destination country?<\/h4><p>- Quick claim procedure in Canada (you get your money faster).<br>- Direct billing between hospitals and most of the Canadian insurance companies.<br>- Canadian insurance companies are regulated by the Canadian financial regulators. It is much easier to claim improper practice of a Canadian insurance company here in Canada than in a country somewhere else in the world.<br>- Canadian insurance companies are re-insured by Assuris - the Canadian government organization that will cover up to $60,000 of medical expenses in case of an insolvency of a Canadian insurance company. If total benefits exceed this amount, Assuris covers 85% of the promised benefits, but not less than $60,000.<\/p><\/li><\/ul>\n<p>This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with a $50 deductible and incur $200 of expenses, the insurance company will begin to reimburse for expenses after you have paid the first $50 of your medical bills.<br>There are two different kinds of deductibles,\u00a0<strong>per-claim<\/strong>\u00a0and\u00a0<strong>per-policy period<\/strong>. A per claim deductible means that the insured must pay a new deductible for each separate incident. (Example: pay the deductible once for a broken leg and then a second time for a flu treatment). A per-policy period deductible means that the insured must pay the deductible only once during the period of the insurance policy. If your plan has a $100 deductible, you pay the first $100 of the expenses and then the insurance company picks up the rest. The higher the deductible, the lower the premium cost and vice versa.<\/p>\n<p>Generally, pre-existing conditions are defined as any sickness, injury or medical condition for which the insured consulted a physician, has symptoms, has been hospitalized or was prescribed medications within a certain period before the effective date of coverage. Each insurance company treats pre-existing conditions differently and this is a major reason for declined medical claims. The look back period may vary from 3 months to a life time. Please, read the exclusion section in the insurance policy booklet for exact definition.<br>There are certain visitors insurance plans in which coverage for stable pre-existing conditions is possible. Please call our customer service at 1-877-838-0020 for more information.<\/p>\n<p>Some insurance companies cover people if their medical conditions is under control and stable for certain period (3 to 6 months) before travel. Be aware that a simple change in medication can mean that the medical condition is not considered \"stable\". Policy definitions are critical and the rules vary depending on the age of the policy-holder. It is up to each policy holder to make sure they qualify. Some insurance companies are able to underwrite and give individual quotes for people with pre-existing medical conditions.<br>Even policies that include pre-existing conditions do not reimburse expenses to maintain the condition, but complications that require medical attention, hospitalization or death from that pre-existing condition are covered.<br>Be honest and disclose all details for your pre-existing medical condition. If you have a $50,000 claim after suffering a heart attach, the insurance company will likely check into your medical history.<br>Please, call our customer service at 1-877-838-0020 for more detail<\/p>\n<p>No, there is no medical examination required for purchasing any Travel Insurance plan. You can buy the policies online any time and get coverage from the following day.<\/p>\n<p>Most Travel Insurance policies can be extended (some conditions apply). Just call us or your insurance company prior to the expiration of the policy. The insured person must be in good health and not have any pending medical claims.<\/p>\n<p>Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply. Partial refunds (less cancellation fee) after the effective date, are available if the policy is terminated because of early return to the home province and no claim has been incurred.<\/p>\n<p>There is no restrictions where you seek medical service, as long as the amount charged by the providers is Usual, Customary and Reasonable for a particular service, treatment, or supply.<\/p>\n<p>Travel medical insurance is intended to cover sudden, unexpected, and unforeseeable circumstances. Please read the Benefits section for a summary of the available coverage.<\/p>\n<p>Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read and understand the policy before you buy Travel Insurance.<br>Generally, most policies do not cover pre-existing conditions. The definition varies from policy to policy. Other common exclusion is accidents or illness caused by abuse of drugs or alcohol. Also not covered are routine health-care, elective or cosmetic surgery, and follow-up, non-emergency care that could be done in your home-country or province. Many plans limit benefits if insured fail to get advance approval for treatment. Some policies don't cover risky sports like bungee jumping, rock climbing, scuba diving or hang gliding. Self-inflicted injuries are not covered, nor are injuries caused while a policy-holder is committing a criminal act.<\/p>\n<p>Yes, some insurance companies offer discount prices for group travel medical insurance.<br>Please, call our customer service at 1-877-838-0020 for more information.<\/p>\n<p>Travel insurance protects in the case of medical and family emergencies, delays, theft and the last-minute plan changes that can happen to both frequent and occasional travelers. Without travel insurance, a broken arm, even something as basic as the flu could turn into substantial medical bills costing thousands of dollars. Health care costs are very expensive. Hospitals can charge thousands of dollars per day. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs, which can create a significant financial burden.<\/p>\n<p>Insurance premium is the same whether the plan is purchased directly from an insurance company or through a broker like\u00a0<a href=\"\/\/www.travellersinsurance.ca\/\">www.travellersinsurance.ca<\/a>. Working with a broker gives you some advantages:<br>- We offer compare one stop shopping for Travel Medical Insurance.<br>- We work for our clients, not for an insurance company.<br>- We offer extended hours customer service. Insurance companies have limited office hours.<br>- We offer claim support for our clients.<br>- We offer experience and knowledge to help you make the right decision.<\/p>\n<p>The published premiums from the insurance companies are the only rates available. Offering discounts from these prices initiated by an insurance broker or travel agent is strictly forbidden under the Codes of Conduct that apply to our operation. Any agent caught doing it could lose their license.<\/p>\n<p>Some credit cards provide basic travel insurance, but you must read the fine print to find out exactly what's covered, under what conditions, and what the limits are. Many credit cards have very low coverage limits. The coverage may apply for a limited time period, or may be available only to a certain age.<br>There are many sources of travel insurance: travel agents, banks and trust companies, credit cards, and some general insurance brokers sell travel insurance, too. You may have coverage even from your work through the company benefits or from an association that you are member.<br>We, as insurance brokers, specialized in personal health and travel insurance and we guarantee our expertise and service.<\/p>\n<p>- Quick claim procedure in Canada (you get your money faster).<br>- Direct billing between hospitals and most of the Canadian insurance companies.<br>- Canadian insurance companies are regulated by the Canadian financial regulators. It is much easier to claim improper practice of a Canadian insurance company here in Canada than in a country somewhere else in the world.<br>- Canadian insurance companies are re-insured by Assuris - the Canadian government organization that will cover up to $60,000 of medical expenses in case of an insolvency of a Canadian insurance company. If total benefits exceed this amount, Assuris covers 85% of the promised benefits, but not less than $60,000.<\/p>\n<ul><li><h4>16. How do I purchase insurance?<\/h4><p>Buying or ordering insurance online is very simple. After filling out the \"<a href=\"\/\/www.travellersinsurance.ca\/index.php\">Free Quote<\/a>\" form you will receive quotas from all Canadian insurance companies. From that page, you can click \"Direct Buy\" or \"Order Online\" button in the first column. This leads you to the appropriate online application form. If you choose \"Direct Buy\" you will be transferred to an insurance company secure web site where you can instantly purchase a Visitors Insurance. If you complete \"Order Online\" form, you will be contacted by our customer service department for the method of payment. In both options you will receive an e-mail with an attached \"Confirmation of coverage\" document with a policy number and the information that you provided. The coverage will start from the start date as indicated on the form. Within a few days you will receive a package by mail that will include a policy booklet and a signed \"Confirmation of coverage\"<\/p><\/li><li><h4>17. What is used as proof of purchasing insurance?<\/h4><p>When you purchase insurance online, you will immediately receive a confirmatory email with details of the insurance. This is you virtual insurance document. You will also receive paper confirmation by mail.<\/p><\/li><li><h4>18. I made a mistake in entering my data while purchasing the insurance, what should I do?<\/h4><p>Contact our customer service at 1-877-838-0020.<\/p><\/li><li><h4>19. What should I do in the case of an emergency and\/or hospitalization?<\/h4><p>You must notify your insurance company as soon as possible of any emergency medical treatment or hospitalization. Failure to do so will result in decreasing your insurance benefit.<\/p><\/li><li><h4>20. Why should I call the emergency assistance center immediately?<\/h4><p>Most of the insurance companies have emergency assistance and claims personnel available to help you 24 hours a day, 7 days a week. Experienced multilingual staff verify coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed.<br>They're here to help you.<\/p><\/li><li><h4>21. How do I make a claim?<\/h4><p>To make a claim, you will need to complete a claim form and attach the original medical bills, receipts and invoices (always make a copy for your record) and mail them to your insurance company.<br>All claims should be reported in writing within 30 days of acquiring and all original documents have to be transmitted to the insurance company within 90 days.<br>All insurance companies have \"Claim Assistance\" telephone numbers.<br>For more information on how to make a claim, please, check our \"\u00a0<a title=\"\" href=\"\/\/www.travellersinsurance.ca\/claims\/\" target=\"_blank\" rel=\"noopener\">Claims<\/a>\" page.<\/p><\/li><li><h4>22. What if the insurance company do not pay my claim?<\/h4><p>Insurance policies are legal documents and insurance companies are obligated to follow the conditions of the contracts. If you disagree with an insurance company's claim decision, you may:\u00a0<strong>1.<\/strong>Request in writing from the insurance company to review your claim;\u00a0<strong>2.<\/strong>\u00a0If not satisfied again with the second decision, you have the right of arbitration in accordance with the law governing arbitration proceedings in the province in which your policy was issued. Legal action to recover a claim must start within 12 months of the date of bodily injury or the date on which you first received any emergency medical service;<strong>\u00a03.<\/strong>You also have the option of contacting the following regulating bodies: Better Business Bureau -\u00a0<a href=\"\/\/www.bbb.org\/\" target=\"_blank\" rel=\"noopener\">www.bbb.org<\/a>\u00a0(enter your Canadian postal code to find nearest office) Canadian Life and Health Insurance OmbudService -\u00a0<a href=\"\/\/www.olhi.ca\/\" target=\"_blank\" rel=\"noopener\">\/\/www.olhi.ca<\/a><\/p><\/li><li><h4>23. When are sports-related injuries covered?<\/h4><p>Injuries related to sports are covered under the Travel Insurance policy when the insured is involved in recreational sports while visiting Canada. Professional athletes, extreme sports and organized sport activities require the purchase the \"Optional Sports Rider\" or call our customer service for a quote.<\/p><\/li><li><h4>24. What is co-insurance?<\/h4><p>After your deductible is met, co-insurance is the percentage of the covered medical expenses that you, the insured person, must pay.<br>For instance, if your health plan has an 80\/20 co-insurance rate, your insurance plan pays for 80% of your eligible medical expenses and you are responsible for the remaining 20%.<\/p><\/li><li><h4>25. What is a Policy Period?<\/h4><p>\"Policy Period\" is the amount of time between the effective and expiry date of your insurance policy. Travel Insurance policy periods can be as short as 5 days and as long as 12 months. For example, if you complete an application and pay for 6 months of insurance, the policy period for that insurance will be 6 months.<\/p><\/li><li><h4>26. What is the meaning of Usual, Customary and Reasonable?<\/h4><p>Usual, Customary and Reasonable charges represent the average or most common amount charged by medical providers for a particular service, treatment, or supply in the same geographic area. Typically information on rates for procedures is compiled into a data bank and updated periodically. So when a claim is submitted for a plan with UC&amp;R benefits, the insurance company before making the claim payment reviews the UC&amp;R rate and double checks that hospitals and doctors are not billing excessively for the particular service or procedure.<\/p><\/li><li><h4>27. Should I take and read the official policy wording booklet?<\/h4><p>The official policy wording booklet includes the terms and conditions of your insurance policy as well as important contact information you will need in case of an emergency. As with any insurance, some of those terms may limit the benefits payable. It is important to read your policy wording carefully. Take the policy booklet with you, so you can refer to it if necessary.<\/p><\/li><li><h4>28. Is it safe to purchase Insurance online?<\/h4><p>Yes. The application forms are in a highly secure ordering environment so you can enroll in the insurance plans with confidence. The insurance providers use Secure Socket Layers (SSL), for transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. You will remain in this secure zone for the entire purchase process.<\/p><\/li><li><h4>29. Is my personal information protected?<\/h4><p>The protection of your personal information is very important to us. Our high standards for privacy protection comply with Canada's privacy laws. Basic policyholder information is gathered at the time of application to determine the premium and appropriate coverage. The insurance companies may need your medical information at the time of a claim to help provide the best possible assistance, arrange care and possible medical evacuation, and to determine coverage. The information is used only as needed and is maintained securely for the period required by law. You may also view our Privacy Policy.<\/p><\/li><li><h4>30. Questions to ask before choose Travel Insurance:<\/h4><p><em><strong>- What is the deductible?<\/strong><\/em>\u00a0This is the amount that you have to pay before the insurance kicks in. It could vary from $0 to thousands of dollars.<br><em><strong>- Does the insurance plan cover pre-existing conditions?<\/strong><\/em>\u00a0Some policies cover STABLE pre-existing conditions.<br><em><strong>- What is the look-back period for pre-existing conditions?<\/strong><\/em>\u00a0The shorter the look-back period - the better for the policy-holders. Some companies require the condition to appear before 4 or 6 months not to be considered pre-existing. Other insurance policies have life-time look-back periods for medical conditions.<br><em><strong>- Do I have to go to a pre-approved medical service providers in case of medical emergency?<\/strong><\/em>\u00a0Some plans limit or refuse payments if you use unapproved providers for medical services.<br><em><strong>- Is there a coverage limit or change of coverage details at a certain age?<\/strong><\/em><\/p><\/li><\/ul>\n<p>Buying or ordering insurance online is very simple. After filling out the \"<a href=\"\/\/www.travellersinsurance.ca\/index.php\">Free Quote<\/a>\" form you will receive quotas from all Canadian insurance companies. From that page, you can click \"Direct Buy\" or \"Order Online\" button in the first column. This leads you to the appropriate online application form. If you choose \"Direct Buy\" you will be transferred to an insurance company secure web site where you can instantly purchase a Visitors Insurance. If you complete \"Order Online\" form, you will be contacted by our customer service department for the method of payment. In both options you will receive an e-mail with an attached \"Confirmation of coverage\" document with a policy number and the information that you provided. The coverage will start from the start date as indicated on the form. Within a few days you will receive a package by mail that will include a policy booklet and a signed \"Confirmation of coverage\"<\/p>\n<p>When you purchase insurance online, you will immediately receive a confirmatory email with details of the insurance. This is you virtual insurance document. You will also receive paper confirmation by mail.<\/p>\n<p>Contact our customer service at 1-877-838-0020.<\/p>\n<p>You must notify your insurance company as soon as possible of any emergency medical treatment or hospitalization. Failure to do so will result in decreasing your insurance benefit.<\/p>\n<p>Most of the insurance companies have emergency assistance and claims personnel available to help you 24 hours a day, 7 days a week. Experienced multilingual staff verify coverage to hospitals, arrange emergency medical evacuation, coordinate payments, and contact your family doctor and relatives as needed.<br>They're here to help you.<\/p>\n<p>To make a claim, you will need to complete a claim form and attach the original medical bills, receipts and invoices (always make a copy for your record) and mail them to your insurance company.<br>All claims should be reported in writing within 30 days of acquiring and all original documents have to be transmitted to the insurance company within 90 days.<br>All insurance companies have \"Claim Assistance\" telephone numbers.<br>For more information on how to make a claim, please, check our \"\u00a0<a title=\"\" href=\"\/\/www.travellersinsurance.ca\/claims\/\" target=\"_blank\" rel=\"noopener\">Claims<\/a>\" page.<\/p>\n<p>Insurance policies are legal documents and insurance companies are obligated to follow the conditions of the contracts. If you disagree with an insurance company's claim decision, you may:\u00a0<strong>1.<\/strong>Request in writing from the insurance company to review your claim;\u00a0<strong>2.<\/strong>\u00a0If not satisfied again with the second decision, you have the right of arbitration in accordance with the law governing arbitration proceedings in the province in which your policy was issued. Legal action to recover a claim must start within 12 months of the date of bodily injury or the date on which you first received any emergency medical service;<strong>\u00a03.<\/strong>You also have the option of contacting the following regulating bodies: Better Business Bureau -\u00a0<a href=\"\/\/www.bbb.org\/\" target=\"_blank\" rel=\"noopener\">www.bbb.org<\/a>\u00a0(enter your Canadian postal code to find nearest office) Canadian Life and Health Insurance OmbudService -\u00a0<a href=\"\/\/www.olhi.ca\/\" target=\"_blank\" rel=\"noopener\">\/\/www.olhi.ca<\/a><\/p>\n<p>Injuries related to sports are covered under the Travel Insurance policy when the insured is involved in recreational sports while visiting Canada. Professional athletes, extreme sports and organized sport activities require the purchase the \"Optional Sports Rider\" or call our customer service for a quote.<\/p>\n<p>After your deductible is met, co-insurance is the percentage of the covered medical expenses that you, the insured person, must pay.<br>For instance, if your health plan has an 80\/20 co-insurance rate, your insurance plan pays for 80% of your eligible medical expenses and you are responsible for the remaining 20%.<\/p>\n<p>\"Policy Period\" is the amount of time between the effective and expiry date of your insurance policy. Travel Insurance policy periods can be as short as 5 days and as long as 12 months. For example, if you complete an application and pay for 6 months of insurance, the policy period for that insurance will be 6 months.<\/p>\n<p>Usual, Customary and Reasonable charges represent the average or most common amount charged by medical providers for a particular service, treatment, or supply in the same geographic area. Typically information on rates for procedures is compiled into a data bank and updated periodically. So when a claim is submitted for a plan with UC&amp;R benefits, the insurance company before making the claim payment reviews the UC&amp;R rate and double checks that hospitals and doctors are not billing excessively for the particular service or procedure.<\/p>\n<p>The official policy wording booklet includes the terms and conditions of your insurance policy as well as important contact information you will need in case of an emergency. As with any insurance, some of those terms may limit the benefits payable. It is important to read your policy wording carefully. Take the policy booklet with you, so you can refer to it if necessary.<\/p>\n<p>Yes. The application forms are in a highly secure ordering environment so you can enroll in the insurance plans with confidence. The insurance providers use Secure Socket Layers (SSL), for transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. You will remain in this secure zone for the entire purchase process.<\/p>\n<p>The protection of your personal information is very important to us. Our high standards for privacy protection comply with Canada's privacy laws. Basic policyholder information is gathered at the time of application to determine the premium and appropriate coverage. The insurance companies may need your medical information at the time of a claim to help provide the best possible assistance, arrange care and possible medical evacuation, and to determine coverage. The information is used only as needed and is maintained securely for the period required by law. You may also view our Privacy Policy.<\/p>\n<p><em><strong>- What is the deductible?<\/strong><\/em>\u00a0This is the amount that you have to pay before the insurance kicks in. It could vary from $0 to thousands of dollars.<br><em><strong>- Does the insurance plan cover pre-existing conditions?<\/strong><\/em>\u00a0Some policies cover STABLE pre-existing conditions.<br><em><strong>- What is the look-back period for pre-existing conditions?<\/strong><\/em>\u00a0The shorter the look-back period - the better for the policy-holders. Some companies require the condition to appear before 4 or 6 months not to be considered pre-existing. Other insurance policies have life-time look-back periods for medical conditions.<br><em><strong>- Do I have to go to a pre-approved medical service providers in case of medical emergency?<\/strong><\/em>\u00a0Some plans limit or refuse payments if you use unapproved providers for medical services.<br><em><strong>- Is there a coverage limit or change of coverage details at a certain age?<\/strong><\/em><\/p>\n<p><strong>* Please, read all the fine print and ask questions before you buy. Carry proof of your insurance with you on your trip. And shop around - there is a big difference in policy features and costs. But do not pick a policy on price alone.<\/strong><\/p>\n<p><strong>Disclaimer:<\/strong><br>All questions on this web site have been answered to the best of our knowledge. Since insurance companies can change their policy wording and premium rates at any time without notice, we cannot guarantee the accuracy of the information on this page. We will not be held liable in any case, for any problem arising from reading these questions and answers. Please, use this information at your own risk.<\/p>","_links":{"self":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages\/190","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/comments?post=190"}],"version-history":[{"count":8,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages\/190\/revisions"}],"predecessor-version":[{"id":2680,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages\/190\/revisions\/2680"}],"wp:attachment":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/media?parent=190"}],"wp:term":[{"taxonomy":"page-group","embeddable":true,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/page-group?post=190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}