Travel Shield Canada Insurance

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Travel Shield Canada Insurance Plan

Overview:

Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. It is important that you read and understand your policy as your coverage may be subject to certain limitations or exclusions

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Eligibility

To be eligible for coverage, on the effective date, you must:
  • be a visitor to Canada or a person in Canada under a valid work or student visa, a Canadian or an immigrant not eligible for benefits under a government health insurance plan; and
  • be at least 15 days of age and no more than 90 years of age; and
  • not be travelling against the advice of a physician and/or have not been diagnosed with a terminal illness or be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention; and
  • not require assistance with the activities of daily living (dressing, bathing, eating, using the toilet or getting in or out of a bed or chair).

Insuring Agreement:

  • In consideration of having paid the required premium in full for the selected coverage limit, the insurer agrees to pay the reasonable and customary costs up to the selected sum insured for treatment that is medically necessary as the result of an emergency, subject to all terms and conditions of the policy
  • Benefit limits are per insured person, per trip including any extensions.
  • This policy, the application and the confirmation of insurance constitute your contract of insurance.
  • The insurer reserves the right to decline any application or any request for an extension of coverage.
  • The plan type purchased and the sum insured selected cannot be changed after the effective date indicated on your confirmation of insurance.
  • Only one policy can be issued to you and all premiums paid for any additional policy will be returned to you. When more than one policy of this form is issued by the insurer and is in force with respect to you at the time of claim, only one such policy, the earliest by effective date, will apply.

Benefits

When an insured person incurs eligible expenses as described in this section, the insurer will reimburse the reasonable and customary costs up to the coverage limit, subject to all policy limitations, exclusions and provisions. However, certain expenses, as specified below, are covered only with the prior approval of the Assistance Company.
  • Hospital Accommodation:

    a) Charges up to the semi-private room rate charged by the hospital. If medically necessary, expenses for treatment in an intensive care or coronary care unit are also covered.
    b) Emergency-room fees.
    c) Emergency out-patient services provided by a hospital when medically necessary.

  • Medical Services: Medical treatment by a legally licensed physician, surgeon, anaesthetist or registered graduate nurse (other than an immediate family member of the insured person).
  • Diagnostic Services: Laboratory tests and x-rays that are ordered by the attending physician and that are part of the emergency medical treatment.This policy does not cover magnetic resonance imaging (MRI),cardiac catheterization, computerized axial tomography (CAT) scans, sonograms or ultrasounds and biopsies unless such services are approved in advance by the Assistance Company.
  • Prescriptions: Drugs, including injectable drugs and sera, that can only be obtained upon medical prescription, that are prescribed by a physician and that are supplied by a licensed pharmacist when medically necessary for emergency medical treatment, except when needed to stabilize a chronic condition or a medical condition which an insured person had before the trip.This benefit is limited to a 30-day supply and a total of $1,000 per prescription unless the insured person is hospitalized
  • Private Duty Nurse: Up to $5,000 when approved in advance by the Assistance Company and prescribed by an attending physician for the professional services of a registered private duty nurse(other than by an immediate family member) as the result of a covered emergency when medically necessary and while hospitalized or in lieu of hospitalization.

Download:

Download Travel Shield Canada Insurance Plan Policy document

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