      |
||
|
21st Century Travel Insurance Ltd.
Medicare International Travel Insurance for Canadians
(underwritten by Manulife Financial)
|
Who can apply? To be eligible for Medical coverage you must:
• be a resident of
Canada, a minimum of 30 days old, and covered under a government
health insurance plan for the entire duration of your trip. To be eligible for stand-alone Trip Cancellation & Trip Interruption Insurance you must be living in Canada or traveling to Canada and have paid the appropriate premium. Important Notice regarding claim procedure ! In the event of an emergency, call the Assistance Centre immediately:
1 877
260-1382 toll-free from the USA and Canada
If you are
unable to make contact by telephone, please email:
assistance@wtp.ca .
Your email message must include your name, date of birth,
policy number, Canadian address, present location, accurate
call back number and a description of your emergency. Please refer to the policy wording (pg 22) for the claim procedure. |
What coverage you will get
Emergency Medical Insurance
Single-Trip Plan: Provides medical coverage for a single trip. Trip break: If you have requested and received prior approval from 21st Century Travel Insurance Limited, you may return to your province of residence to attend special events without terminating your coverage. There will be no refund of premium for any of the days during your return home. Coverage is not in effect during the time you are at home.
Multi-Trip Annual Plans: Multi-Trip plans provide emergency medical coverage for an unlimited number of trips taken within one (1) year, commencing with the effective date as shown on your confirmation. You can choose from 4, 10, 18, 30 day plans.
In the event of a claim, you will be required to provide proof of your departure date and your return date. Proof can include your plane ticket, train ticket, a stamped passport, and/or credit card or bank statement showing purchases in Canada just prior to your departure date.
Emergency Medical Insurance covers you for up to $5,000,000 of covered expenses incurred by you as a result of medical attention required by you during your trip if a medical emergency begins unexpectedly after you leave home:
▶ Expenses for emergency medical attention : Reasonable and customary charges for medical care received from a: physician in or out of a hospital: the cost of a semi-private hospital room (or an intensive or coronary care unit where medically necessary); the services of a licensed private duty nurse while you are in hospital; the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance; tests that are needed to diagnose or find out more about your condition; and drugs that are prescribed for you and are available only by prescription from a physician or dentist.
▶
Expenses for
paramedical services
(up to $300 by profession)
▶
Expenses for
ambulance transportation
▶ Expenses for emergency dental treatment
▶ Expenses to bring someone to your bedside
▶ Extra expenses for meals, hotel, phone calls and taxi
▶ Expenses related to your death
▶ Expenses to bring you home
▶ Expenses to return children under your care
▶ Expenses to return your travel companion
▶ Expenses to return your vehicle home
▶ Trip break
Exclusions and limitations. Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.
A Pre-existing Medical Condition exclusion is the most important exclusion in any Travel insurance policy.
The pre-existing condition exclusion that applies to you depends on the Rate Category you qualified for when you purchased this policy. If your age at the time of application is less than 55 years, the pre-existing condition clause for category A is applied to you.
If your age is 55 years and over you will be asked to answer several medical questions in the applications (see Medical Questionnaire ) and depending on the answers you will qualify for rates and pre-existing condition coverage of categories A+, A, B, C, or Fast-Trak.
Fast-Trak is a plan for trips of less than 31 days for those 55-74 years of age (no medical questionnaire, no coverage for pre-existing conditions: see the Policy wording, Fast-Trak plan).
Rate Category A+ and A. The company will
not pay any expenses relating to:
• a pre-existing condition that is not stable
in the three (3) months before your effective date ;
and/or,
• your heart condition if, in the three (3) months
before your effective date, it has not been stable
or you have taken any form of nitroglycerine for the
relief of angina pain; and/or,
• your lung condition if, in the three (3) months before
your effective date, it has not been stable or
you required treatment with oxygen or Prednisone for
your lung condition.
Rate Category B. The company will not pay
any expenses relating to:
• a pre-existing condition that is not stable
in the six (6) months before your effective date ;
and/or,
• your heart condition if, in the six (6) months before
your effective date, it has not been stable or
you have taken any form of nitroglycerine for the relief
of angina pain; and/or,
• your lung condition if, in the six (6) months before
your effective date, it has not been stable or you
required treatment with oxygen or Prednisone for your
lung condition.
Rate Category C. The company will not pay
any expenses relating to:
• a pre-existing condition that is not stable
in the twelve (12) months before your effective date; and/or,
• your heart condition if, in the twelve (12) months
before your effective date, it has not been stable
or you have taken any form of nitroglycerine for the
relief of angina pain; and/or,
• your lung condition if, in the twelve (12) months
before your effective date, it has not been stable
or you required treatment with oxygen or Prednisone for
your lung condition.
Fast-Trak
Rate Category. The company will not pay any
expenses relating to:
• a pre-existing condition for which you have taken,
received or been prescribed medication or treatment in
the 3 monthsbefore your effective date; and/or,
• your heart condition if, in the 3 months before your
effective date, you have taken, received of been
prescribed medication or treatment of you have used any
form of nitroglycerine for the relief of angina pain;
and/or,
• your lung condition if, in the 3 months before your
effective date you have taken, received or been
prescribed medication or treatment or you required
treatment with oxygen or Prednisone for your lung
condition.
Please refer to the Policy wording for definitions of "Pre-existing condition" and "Stable" in the end of the Policy booklet
All-Inclusive Plans (Single-Trip and Multi-Trip Annual)
If you make pre-paid travel arrangements, you may want to choose the All-Inclusive plan that includes:
● Emergency Medical : up to $5,000,000 per policy,
● Trip Cancellation and Interruption:
Single-Trip Plan - up to the sum insured to maximum of $3,500 per trip
Multi-Trip All-Inclusive - up to $5,000 per trip to a maximum of $7,000 per policy
● Baggage Loss or Damage:
Up to $1,000 per trip. Up to $3,000 per Multi-Trip All-inclusive policy.
● Baggage Delay:
Up to $500 per trip. Up to $1,500 per Multi-Trip All-inclusive policy.
● Flight Accident.
$100,000 for death or double dismemberment or $50,000 for single dismemberment.
● Travel Accident.
$50,000 for death or double dismemberment or $25,000 for single dismemberment.
Trip Cancellation&Interruption insurance (Single-Trip) can be purchased separately.
To be eligible to purchase stand-alone Trip Cancellation coverage, you must be living in Canada or traveling to Canada. Under Trip Cancellation&Interruption insurance, coverage will include travel within your province of residence.
This is a summary of the benefits. Please refer to the Policy Wording
for more details on the coverage provided, conditions, exclusion and how to submit a claim.
|
