GMS Travel Insurance

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Administrated by: GMS Insurance Inc.
Underwritten by: GMS Insurance Inc.
24 hours Emergency Assistance Center:Allianz Global Assistance

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

Note: This plan is not available for travellers from Quebec and New Brunswick.

BENEFITS: 
 - Emergency Medical Expenses: maximum benefit: $5,000,000
 - Hospital Room: ward or semi-private.
 - Physician Services
 - Diagnostic Services: basic diagnostic tests ordered by a physician (advanced diagnostics require pre-approval) *
 - Prescription drugs or medicines - 30-day supply per prescription
 Medical Appliances - rental of essential medical appliances (wheelchair, crutches, canes etc.) when needed. *
 - Accidental Dental: Up to $2,000 for repair or replacement of natural teeth or permanently attached artificial teeth.
 - Dental Emergencies: Up to $250 for treatment or relief of acute dental pain.
 - Private Duty Nursing – up to $5,000. *
 - Professional Medical Services – care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist, or podiatrist, up to $300 per specialty.
 - Ambulance Transportation: Licensed local road ambulance, when necessary, to the nearest hospital. 
 - Air Ambulance & Remote Evacuation – up to $20,000 for the use of a helicopter air ambulance in a medical emergency involving life threatening circumstances where you require immediate transport to the nearest hospital.
 - Repatriation – expenses to transport you by air ambulance (excluding helicopters) and Attendant (if necessary) or regularly scheduled common carrier back to your province of residence for further in-hospital medical treatment. *
 - Return of Family Member - up to $1,000 for one-way air transportation to return one covered family member and insured dependent (including escort when required), if you are repatriated to your province of residence for further in-hospital medical treatment or in the event of your death. *
 - Family/Friend to Bedside up to $3,000 to bring family member or a close friend, and reimbursement of up to $150 per day to a maximum of $750 for reasonable expenses incurred by the transported person, once they arrive if you have been hospitalized for more than 3 consecutive nights. * 
 - Return of Remains In the event of death from covered condition, up to $7,000 for the preparation and transport of your remains, or up to $3,000 for cremation or burial at the place of death. (This benefit does not cover the cost of a burial casket or urn). *
 - Return of Vehicle – up to $2,000, for returning your vehicle, to your province of residence if you have been transferred to Canada due to covered illness or injury.
 - Return of Cat or Dog – Reimbursement up to $300 to return your cat or dog to your province of residence if you have been transferred to Canada due to covered illness or injury.
 - Child Care - up to $500 for licensed care of dependent, should you be hospitalized due to a medical Emergency. *
 - Out of pocket expenses – expenses up to a maximum of $1,000 incurred by insured travelling companion in the event you are in hospital receiving care on your return date. This benefit includes coverage for up to $150/day for accommodations, which shall form part of the $1,000 limit. *

* Some of the benefits must be pre-approved and arranged by GMS. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits. 

OTHER PLANS (additional rates apply)
- Baggage Loss, Damage & Delay – up to $1,500 per person
- Trip Cancellation & Interruption – before departure: up to $20,000 and after departure: $10,000

ELIGIBILITY:
You must purchase the plan prior to your departure date from your province of residence.
You must have valid provincial health coverage for this insurance to be valid
1. You are not eligible if you:
a. have an Implantable Cardioverter Defibrillator (ICD);
b. have ever been diagnosed with congestive heart failure (CHF);
c. are awaiting further tests or treatment for heart disease which includes but is not limited to angina, irregular heartbeat, heart attack, ischemic heart disease, valvular heart disease and myocardiopathy;
d. require insulin to treat diabetes and also take prescription drugs for heart disease (see (c) above for heart disease description);
e. have been diagnosed with metastatic cancer;
f. have cancer (except breast or prostate cancer treated exclusively with hormonal therapy or basal cell carcinoma) which requires chemotherapy, radiotherapy or other medical treatment other than routine follow-up;
g. have any vascular aneurysm that remains surgically untreated;
h. have undiagnosed episodes of fainting or falling (syncope);
i. take oral steroids for a lung condition;
j. are seventy (70) years of age or older and require assistance from another person(s) with activities of daily living (ADL) which include, but are not limited to, personal hygiene and grooming; dressing and undressing; self-feeding; functional transfers (getting into and out of bed or a wheelchair, getting onto or off the toilet, etc.); bowel and bladder management; and/or medication management; or
k. have any medical condition necessitating the use of home oxygen.
2. You are not eligible if, within the twelve (12) months prior to applying, you have been diagnosed with any of the following conditions or you have any of the following conditions which have not been stable for twelve (12) months prior to applying:
a. Acquired Immune Deficiency Syndrome (AIDS);
b. a terminal illness (an advanced stage of a progressive disease with an unfavourable prognosis and no known cure);
c. atrial flutter;
d. atrial/ventricular fibrillation;
e. peripheral vascular disease;
f. stroke/transient ischemic attack (TIA);
g. blood clot(s);
h. gastrointestinal bleeding; and/or
i. kidney/liver failure.
3. You are not eligible if, within twelve (12) months of applying, you have undergone any of the following procedures:
a. kidney dialysis;
b. valve surgery or replacement; and/or
c. organ, stem cell and/or bone marrow transplant.
4. You are not eligible if you are not a Canadian resident with valid provincial health coverage for the entire duration of youtrip.
5. You are not eligible to purchase after your departure date or if you are outside of your province of residence, unless purchased as a top-up to an existing GMS policy.
6. You are not eligible if your total trip length exceeds the total number of days allowable under your government health plan.

PRE-EXISTING CONDITIONS:
GMS does not cover any expenses resulting from medical condition(s) which have not been stable for one hundred and eighty (180) days immediately prior to your departure date, including:
a. medical condition(s) for which you received medical treatment or medical consultation; and/or
b. undiagnosed medical condition(s) related to symptoms for which you received medical treatment or medical consultation. 

Stable: a medical condition is stable if, during the period of time specified in the policy, you:
a. have not received new medical treatment;
b. have not been prescribed a new prescription drug;
c. have not had a change in medical treatment;
d. have not had an alteration in a prescribed drug;
e. have not experienced a deterioration in your condition;
f. have not experienced new, more frequent or more severe symptoms;
g. have not had or required medical consultation to investigate symptoms that remain undiagnosed;
h. have not required in-hospital care or a referral to a specialist, including initial follow-up visits, tests or investigations related to the medical condition and pending results; and/or
i. do not anticipate further medical treatment after departure from your province of residence.
Alteration: includes any newly prescribed medication, change in medication type or the increase, decrease or discontinuation of a medication and the adjustment (stop and start) in an anticoagulation medication dosage due to surgery within ten (10) days prior to your effective date, except:
a. a dosage adjustment for an anti-hypertensive or cholesterol lowering medication;
b. a change from a brand name medication to a generic brand medication of the same dosage;
c. if you are taking Coumadin/Warfarin for anticoagulation therapy and are required to have your blood levels tested on a regular basis (INR) and your medical condition remains unchanged, yet you are adjusting the dosage of your anticoagulation medication to ensure your INR is maintained within therapeutic range as directed by your physician(s); or
d. if you are taking insulin or oral anti-diabetic medication for diabetes and are required to have your blood levels tested on a regular basis and your medical condition remains unchanged, yet you are adjusting the dosage of your medication to ensure your blood glucose level is maintained within therapeutic range as directed by your physician(s).

EXTENSIONS:
Your Single-Trip plan may be extended by purchasing additional days while outside your province of residence if you:
1. notify GMS two (2) business days prior to the expiry date of your policy;
2. have not incurred a claim, required medical treatment or medical consultation during your trip; and
3. the total trip length, including your initial period of coverage and all extensions, does not exceed the number of days allowable under your government health plan.
Your policy cannot be extended after the expiry date of a policy you wish to extend.

1. You are not eligible if you:
   a. have an Implantable Cardioverter Defibrillator (ICD);
   b. have ever been diagnosed with congestive heart failure (CHF);
   c. are awaiting further tests or treatment for heart disease which includes but is not limited to angina, irregular heartbeat, heart attack, ischemic heart disease, valvular heart disease and myocardiopathy;
   d. require insulin to treat diabetes and also take prescription medications for heart disease (see "c" above for heart disease description);
   e. have been diagnosed with metastatic cancer;
   f. have cancer (except breast or prostate cancer treated exclusively with hormonal therapy or basal cell carcinoma) which requires chemotherapy, radiotherapy or other medical treatment other than routine follow-up;
   g. have any vascular aneurysm that remains surgically untreated;
   h. have undiagnosed episodes of fainting or falling (syncope);
   i. take oral steroids for a lung condition;
   j. are 70 years of age or older and require assistance from another person with activities of daily living (ADL) which include, but are not limited to dressing, feeding, transferring, bathing, bowel and bladder management; or
   k. have any medical condition necessitating the use of home oxygen
2. You are not eligible if, within the 12 months period of applying, you have been diagnosed with any of the following conditions or you have any of the following conditions which have not been stable for 12 months prior to applying:
   a. Acquired Immune Deficiency Syndrome (AIDS);
   b. a terminal illness (an advanced stage of a progressive disease with an unfavourable prognosis and no known cure);
   c. atrial flutter;
   d. atrial/ventricular fibrillation;
   e. peripheral vascular disease;
   f. stroke/transient ischemic attack (TIA); 
   g. blood cloth(s);
   h. gastrointestinal bleeding; and/or
   i. kidney/liver failure
3. You are not eligible if, within 12 months of applying, you have undergone any of the following procedures:
   a. kidney dialysis;
   b. valve surgery or replacement; and/or
   c. organ, stem cell and/or bone marrow transplant.
4. You are not eligible if you are not a Canadian resident with valid provincial health coverage for the entire duration of your trip.
5. You are not eligible to purchase after your departure date or if you are outside of your province of residence, unless purchased as a top-up to an existing GMS policy.
6. You are not eligible if your total trip length exceeds the total number of days allowable under your government health plan.
Should any changes in your health occur after the application date and prior to the effective date, GMS must be contacted and the application updated.

REFUNDS:
Full refunds are available when your policy is cancelled before your effective date.
If any insured person makes a claim under the family plan no partial refunds are permitted.
For all others, partial refunds are available to each insured person who has not incurred a claim if returning to his/her province ofresidence prior to the expiry date of the policy.
To apply for a partial refund written notice with proof of early return to your province of residence must be received by GMS no later than thirty (30) days from the date you return.
A partial refund will be calculated using the number of unused days and the daily rate applied based on your original trip length and the refund amount payable must be in excess of $5. You will no longer be eligible for any claim reimbursement once a refund has been issued.

CLAIMS: 
You must contact GMS Travel Assistance where possible before you seek medical treatment. Failure to contact GMS within twenty-four (24) hours of receiving medical treatment or admission to hospital may limit benefits, otherwise payable to you, to the lesser of 70% of reasonable and customary expenses or $50,000. Emergency phone numbers: Toll free within Canada and the USA: 1-800-459-6604 and Collect call from all other locations: 905-726-5196. 

Claims Instructions:
1. Complete a claim form and attach all original itemized medical bills and prescription receipts.
2. Sign and date completed form and return package to:
Allianz Global Assistance 
2100-250 Yonge Street
Toronto, ON, Canada M5B 2L7

In the event of a claim, a claim form must be submitted to GMS within ninety (90) days of the illness or injury.
Please keep a copy of all the submitted correspondence for your records.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

EXCLUSIONS: 
1. Stability – GMS does not cover any expenses resulting from medical condition(s) which have not been stable for one hundred and eighty (180) days immediately prior to your departure date, including:
a. medical condition(s) for which you received medical treatment or medical consultation; and/or
b. undiagnosed medical condition(s) related to symptoms for which you received medical treatment or medical consultation.
You must be stable based on the definition of stable in this policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical condition(s).
2. Stability When Topping-Up Other Insurer’s Plans – GMS does not cover any expenses where this policy is being used as a top-up for another insurer’s emergency medical insurance, unless the medical conditions have been stable for one hundred eighty (180) days prior to the effective date of the top-up.
3. Stability When Topping-Up a GMS Plan – GMS does not cover any expenses where this policy is being used as a top-up to existing GMS emergency medical coverage, unless medical conditions are stable as defined by the stability period as specified within the GMS policy this policy is topping-up.
4. Recurrence of a Medical Condition – GMS does not cover any expenses for medical consultationmedical treatment or in-hospital care resulting from the continuation, recurrence or complication of an emergency medical condition, after such time that the emergency has been deemed to have ended as advised by GMS.
5. Non-Emergency Treatment – GMS does not cover any expenses resulting from medical treatment that is not a medical emergency, including but not limited to: routine or general physical examinations; regular care of chronic conditions; elective surgery; dental or cosmetic surgery, even if recommended by a physician; and follow ups or continued services following emergency medical treatment when not authorized by GMS.
6. Travel for Diagnosis or Treatment – GMS does not cover any expenses resulting from and/or incurred during trips undertaken for the purpose of receiving a diagnosis or medical treatment.
7. Delay-able Treatment – GMS does not cover any expenses for medical treatment that can be reasonably delayed until you return to your province of residence.
8. Transplants – GMS does not cover any expenses for transplants, including but not limited to organ transplants, or bone marrow or stem cell transplants which may be required as part of your medical treatment provided at your trip destination.
9. Refusal of Transfer – GMS does not cover any expenses following your refusal to transfer to another hospital or medical facility capable of providing necessary medical treatment, or your refusal to return to your province of residence when deemed medically necessary. Refusal to comply with a transfer request or a request to return to your province of residence, when you could have been returned to your province of residence without endangering your life or health, even if the treatment available in your province of residence could be of lesser quality than the treatment available outside your province of residence or you must go on a waiting list for that treatment, will void coverage under this contract from that time forward and will absolve GMS of any further liability, whether that liability is related to the initial incident or not.
10. Refusal to Follow Medical Advice or Advice of GMS – GMS does not cover any expenses incurred as a result of your refusal to follow medical advice or the advice of GMS.
11. Non-Adherence – GMS does not cover any expenses that result from your failure, prior to departure, to:
a. adhere to medical treatment
b. obtain investigative or diagnostic tests recommended by a medical professional; and/or 
c. receive results from investigative or diagnostic tests.
12. Acting Against Physician’s Advice – GMS does not cover any expenses when you travel against the advice of a physician.
13. Certain Pregnancy Related Matters – GMS does not cover any expenses related to pregnancy, miscarriage, childbirth or complications of any of these conditions occurring after the first eighteen (18) weeks of pregnancy.
14. Certain Cardiac Procedures and Devices – GMS does not cover any expenses for cardiac catheterization, angioplasty or cardiovascular surgery or insertion of an implantable cardioverter defibrillator (ICD) or pacemaker including all associated diagnostic expenses, unless necessary in a medical emergency and pre-approved by GMS.
15. Risky Activities – GMS does not cover any expenses resulting from your participation in:
a. professional sport; 
b. speed contests or racing of motorized land, water or air vehicle(s); 
c. an extreme sport, including but not limited to, scuba diving (except when you are NAUI, PADI, ACUC or SSI certified), bungee jumping, parachuting, mountaineering, skydiving, rodeo, hang gliding, acrobatic or stunt flying, or jockeying.
16. Non-Common Carrier Air Travel – GMS does not cover any expenses resulting from air travel unless riding as a passenger on a common carrier.
17. Certain Pre-Existing Conditions – GMS does not cover any expenses related to a pre-existing diagnosis that is emotional, psychological or psychiatric in nature.
18. Work – GMS does not cover any expenses for work related accidents.
19. Risky Work or Volunteer Activities – GMS does not cover any expenses resulting from your service in the armed forces, willful exposure to peril, work within a hazardous occupation or mission and/or relief work.
20. Result of Conflict – GMS does not cover any expenses resulting from warterrorism or acts of foreign rebellion.
21. Travel Advisory – GMS does not cover expenses arising from any medical conditions occurring while you are travelling in a country, region, or city for which Foreign Affairs and International Trade Canada has issued a travel warning stating that “non-essential” or “all travel” be avoided when such travel advisory is issued prior to your departure.
22. Self-harm – GMS does not cover any expenses resulting from suicide or self-inflicted injuries.
23. Criminal or Illegal Activity – GMS does not cover any expenses resulting directly or indirectly from your criminal or illegal acts.
24. Drugs & Alcohol – GMS does not cover any expenses resulting from your sickness, injury, or death if at the time of the sickness, injury, or death evidence supports that it was caused by, or in any way contributed to, by the use or abuse of prohibited drugs, alcohol, or any other intoxicant or the misuse of a medication, whether prescribed or not.
25. Motor Vehicle Accident - GMS does not cover any expenses resulting from a motor vehicle accident, unless not covered by any other policy.
26. Failure to Obtain GMS Pre-Approval – GMS does not cover any expenses where pre-approval by GMS is required and not obtained.
27. Unapproved Treatment - GMS does not cover any expenses for medical treatment or services that contravene or are prohibited by the provincial laws of your province of residence or the federal laws of Canada.
28. Pre-Existing Nuclear Issues – GMS does not cover any expenses resulting from any nuclear reaction, radiation or radioactive contamination or occurrence, where the risk of the exposure was present prior to your departure, however caused.
29. Experimental Treatment – GMS does not cover any expenses for any medical treatment which is considered by GMS to be experimental. GMS’ opinion is final and binding.

 Should any changes in your health occur after the application date and prior to the effective date, GMS must be contacted and the application updated.

DOWNLOADS:

GMS Travel Insurance POLICY PDF

GMS Trip Cancellation POLICY PDF

GMS Travel Insurance CLAIM FORM PDF

 

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