Travel Guard Travel Insurance

Travel Guard Canadian Travel Insurance

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Administrated by: Travel Guard Canada
Underwritten by: AIG Insurance Company of Canada
24 hours Emergency Assistance Center: Travel Guard Canada

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.

BENEFITS:
- Emergency Medical Expenses maximum benefits: Age 0 to 54 - Unlimited; Age 55 or older - $10,000,000.00
- Hospital room 
- Ambulance transportation (ground service). Air ambulance when pre-approved and arranged by Travel Guard.
- Physician services.
- Prescription medication.
- Emergency Dental Treatment – up to $1,500 in case of an accidental blow to your face or mouth. 
- Dental - $600 for emergency dental for the relief of dental pain.
- Professional services referred by a physician – care received from a licensed chiropractor, osteopath, physiotherapist or podiatrist, up to $300 per category of practitioner.
- Emergency Evacuation & Repatriation – up to $5,000 to return you to your departure point or home province in case of a covered medical emergency.
- Bedside Companion & Subsistence – transportation costs and up to $500 for hotel and meals for someone to be with you if you have been traveled alone and have been hospitalized for more then 3 days. For an insured child, a bedside companion benefit is available immediately upon hospital admission.
- Meals and Accommodation (medical) – up to $175 per day, to a maximum of $1,750 for accommodations and meals, essential telephone calls and taxi fares.
- Hospital Allowance: up to $75 per day to a maximum of $750 hospital expenses (telephone calls, television rental) while you are hospitalized for at least 48 hours.
- Return (and escort if required) of Dependent insured Children Under Your Care: If you are hospitalized for more than 24 hours or if you must return to your home province because of a covered medical condition.
- Private duty nurse while you are hospitalized.
- The rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance.
- Return of Travel Companion: If you must return to your home province because of a covered medical condition and if you are travelling with a travel companionthe insurance company will cover the extra travel cost to return your travel companion to his or her departure point.
- Return to Your Trip Destination: The cost of the transportation to return you to your scheduled trip destination,  If you have been returned to Canada or other departure point to receive immediate medical attention.
- Expenses Related to Your Death from a covered condition: $3,000 for preparation of your body plus transportation to your departure point. $2,000 for cremation or burial at the place of death.
- Return of Your Vehicle: the reasonable costs to return your vehicle to your residence, if you are unable to drive.
- Pet Coverage: up to $1,000 to return your domestic dog(s) or cat(s) to your departure point if you must return home becasue fo a covered medical condition. Up to $300 for emergency veterinary services in the event your pet(s) suffers an accidental bodily injury during your trip.

ELIGIBILITY:
You must be covered by GHIP for the full duration of your trip.  

To be eligible for this coverage you must:
   - have purchased prior to or on the same day as your start date.
   - have purchased coverage for the full duration of your trip.

EXCLUSIONS: Your coverage is subject to various exclusions, which are completely set out in the Exclusions section of the policy document. The following, although not an exhaustive list, are some of these exclusions:

Pre-Existing Condition
Exclusion for Identifier GE:
If your exclusion identifier is “GE” only the exclusions set out in the General Exclusions Section apply to your Emergency Medical Coverage.

Pre-Existing Condition
Medical Exclusion for Identifier ME#1:
If your exclusion identifier is ME#1 your Emergency Medical Coverage is subject to all of the exclusions set out in the General Exclusions and the following exclusion: 
   ME#1. The insurance company do not cover any loss or expense related directly or indirectly to:
 a. Your medical condition or any related condition if in the 90-day period immediately preceding your effective date that condition has not been stable and controlled;
 b. Your heart condition if in the 90-day period immediately preceding your effective date;
    i. you have had any heart condition that has not been stable and controlled; or
   ii. you have been required to use, take, or been prescribed to take nitroglycerine in any form, more than once per a 7 day period.
 c. Your lung condition if in the 90-day period immediately preceding your effective date:
   i. you have had any lung condition that has not been stable and controlled; or
  ii. you required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone.

Pre-Existing Condition
Medical Exclusion for Identifier ME#2
If your exclusion identifier is ME#2 your Emergency Medical Coverage is subject to all of the exclusions set out in the General Exclusions Section and the following exclusion:
ME#2. The insurance company do not cover any loss or expense related directly or indirectly to:
 a. Your medical condition or any related condition if in the 180-day period immediately preceding your effective date that condition has not been stable and controlled;
 b. Your heart condition if in the 180-day period immediately preceding your effective date;
   i. you have had any heart condition that has not been stable and controlled; or
  ii. you have been required to use, take, or been prescribed to take nitroglycerine in any form, more than once per a 7 day period.
 c. Your lung condition if in the 180-day period immediately preceding your effective date:
   i. you have had any lung condition that has not been stable and controlled; or
  ii. you required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone.

Pre-Existing Condition
Medical Exclusion for Identifier ME#3
ME#3. The insurance company do not cover any loss or expense related directly or indirectly to:
 a. Any medical condition for which you have taken medication, been prescribed medication, received treatment, experienced a deterioration of the condition or had cause to seek treatment at any time within the 180-day period immediately preceding and including your effective date and this exclusion applies whether or not the condition has been stable and controlled;
 b. Your heart condition if in the 180-day period immediately preceding your effective date you have taken medication, been prescribed medication, received treatment, experienced a deterioration of the condition or had cause to seek treatment for any heart condition; or
 c. Your lung condition if in the 180-day period immediately preceding your effective date you have taken medication, been prescribed medication, received treatment, experienced a deterioration of the condition or had cause to seek treatment for any lung condition.

Please note: If you have selected the annual option, your effective date is the date you leave your departure point on a trip. You may have more than one effective date during any one annual policy. The pre-existing condition medical exclusion applies, in each 90-day period (or 180-day period if exclusion identifier ME#2 or ME#3 is applicable) before each trip.

Stable and controlled: Any medical condition for which there has been no new treatment or newly prescribed medication; no change in treatment or change in prescribed medication; no new, more frequent or more severe symptom; no test results showing deterioration; no investigations initiated for symptoms whether or not your diagnosis has been determined; no hospitalization and no referral to a specialist.

PREGNANCY: This insurance policy do not cover routine pre-natal care; a child born during your trip; childbirth or complications of childbirth; pregnancy or complications thereof within the nine (9) weeks before or anytime after the expected date of delivery

GENERAL EXCLUSIONS:
 - The coverage provided by this policy shall be null and void for travel in, to, or through Cuba, because such travel is not serviced and supported by the Insurer’s United States affiliates.
 - Any treatment that is not emergency treatment. For example (and not inclusive of):
   a. Expenses incurred for medication commonly available without prescription; vaccinations, injections or medication received on a preventative basis or for the maintenance of a medical condition; contraceptives; fertility medication; vitamin preparations; general physical examinations; or routine medical tests;
   b. Transplants including but not limited to organ transplants or bone marrow transplants, artificial joints, or prosthetic devises/implants including any associated charges;
   c. Expenses incurred for acupuncture or naturopathic or holistic treatment;
 - Mental or emotional disorders;
 - Suicide or intentionally self-inflicted injury (whether sane or insane);
 - Abuse of medication, drugs or alcohol or a criminal act;
 - Participation in rock or mountain climbing;
 - Participation in a motorized race or motorized speed contest; participation as a professional athlete in a sporting event;
 - Operating or learning to operate any aircraft, as pilot or crew; performing employment duties on any aircraft or ship; or performing duties in any regular armed forces service;
 - Expenses incurred if you travel to a country that The Department of Foreign Affairs and International Trade of the Canadian Government or Health Canada has advised Canadians not to travel to during the time of your trip. This exclusion applies if the advisory is issued prior to your departure date;
 - War (declared or not), acts of foreign enemies or rebellion;

CLAIMS:
Travel Guard should be notified as soon as possible in order to provide you with a claim form specific to your loss. You have 90 days from your return date to file your claim.
To report a claim or to request a claim form call: 1-866-908-5829.
To submit a claim, you must include the following:
- Fully completed Claim Form
- Proof of insurance payment.
- Originals of all bills, invoices and receipts.
Written incident reports, police reports, doctor/hospital records and/or death certificate, or autopsy or corner's report (where lawful).
All claim information should be sent to:
Travel Guard
Attn: Claims Department
120 Bremner Boulevard, Suite 2200
Toronto, ON
M5J 0A8

For Emergency Accident and Sickness Benefits: You must notify Travel Guard at 416-646-3723 (collect) or 1-866-878-0192 prior to any emergency medical treatment and prior to any surgery, invasive procedure or hospitalization. Failure to do so will result in your being responsible for 30% of any eligible expenses incurred unless your medical condition prevents you from calling. You must call as soon as medically possible or have someone call on your behalf.
Travel Guard will make every effort to pay providers directly.

REFUNDS:
Refunds are available up to your start date or if you have a minimum of three (3) unused days of coverage. No refund of premium will be made in the event that a claim has been paid, incurred or reported under this Policy.

EXTENSIONS:
For extension call 1-877-838-0020 or 647-724-0909 before your policy expiry date. The extension is subject to pre approval.

Top-Up of Coverage

If you selected the annual option and choose to extend your trip, beyond your selected trip duration you must top-up your coverage with Travel Guard  for coverage to be in force during any portion of your trip. Travel Guard will issue a new policy document for that period of time. Call 1-877-838-0020 or 647-724-0909 before your expiry date.

If you are topping-up a different insurer's annual plan with Travel Guard then you must purchase top-up prior to your departure and you must choose a single trip plan.

Top-Up: Coverage purchased from Travel Guard to extend your insurance beyond your selected trip duration of nine (9), sixteen (16), thirty (30), or sixty (60) days.

ABOUT TRAVEL GUARD CANADA:
Travel Guard, with more than 20 years of industry experience, is one of North America's leading travel insurance provider. Insurance underwritten by AIG Insurance Company of Canada.

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.

DOWNLOAD:

Travel Guard Travel Insurance POLICY PDF

 

 

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