Travel Guard
Visitors 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:
  - Maximum benefits: $25,000 (Plan 1); $50,000 (Plan 2); $100,000 (Plan 3) and $150,000 (Plan 4)
  - Hospital room. *
  - Physician services. *
  - Medical Appliance: the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance*
  - Tests that are needed to diagnose your condition. *
  - Prescription medication. *
  - The services of a licensed private duty nurse while you are hospitalized. *
  - Professional services referred by a physician - care received from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, up to $250 per profession. *
  - Ambulance transportation - local licensed ground ambulance service or taxi fare (where an ambulance is not available).
  - Air Ambulance transportation – limited to $5,000. *
  - Emergency Evacuation and Repatriation: up to $5,000 for medical air evacuation, a stretcher or one-way economy airfare and a qualified medical attendant (if necessary) to return you to your country of origin.  *
  - Return of Remains: up to $3,000 for preparation of your body plus transportation to your country of origin or up to $2,000 for cremation or burial at the place of death. This benefit also includes the transportation costs to bring someone to identify your body (if legally required) and allowance of up to $500 for meals and accommodation. The aggregate benefit limit is $5,000.

Additional Benefits for Plan 3 ($100,000) and Plan 4 ($150,000) only: 
   - Bedside Companion & Subsistence - transportation costs and up to $300 for hotel and meals for someone to be with you if you have been traveled alone and have been hospitalized for more than 3 days. For an insured child, a bedside companion benefit is available immediately upon hospital admission.
   - Meals and Accommodation - up to $1,500 (maximum of $250 per day) for meals, hotels, phone calls and taxis if you or your travel companion are delayed beyond your scheduled return date in order to obtain emergency medical treatment. *
   - Emergency Dental Coverage – up to $250 for the relief of dental pain.
   - Accidental Death & Dismemberment – up to $40,000. 

* These benefits must be preauthorized by AIG.
AIG medical advisors must approve and arrange all surgery and heart procedures, including heart catheterization, in advance.
If you choose not to receive treatment or services from a provider as directed by AIG you may be responsible for 70% of any eligible expenses incurred.

ELIGIBILITY:
YOU ARE NOT ELIGIBLE FOR ANY COVERAGE UNDER THIS POLICY IF:
1. A licensed physician has diagnosed you with a terminal Illness. (Terminal Illness means a Medical Condition from which no recovery is expected and which carries a prognosis of death within 12 months of Your Policy Purchase Date.)
2. You have undergone a bone marrow transplant or an organ transplant (excluding corneal transplant) that requires the use of anti-rejection (immune suppression) drugs.
3. You require dialysis of any type for a kidney disease.
4. In the last 12 months, you have been prescribed or utilized home oxygen therapy at any time. 
To be eligible to purchase AIG Visitors To Canada Emergency Medical Plan you must be planning to be in Canada for over 50% of Your Trip away from Your Departure Point, Your Trip must begin and end in Canada, and:
1. be a visitor to Canada; OR
2. have a Canadian work visa or student visa; OR
3. be an immigrant to Canada; OR
4. be a Canadian not covered by GHIP; AND
5. be older than one (1) month and less than or equal to 84 years of age on Your Policy Purchase Date in order to be eligible for Plan 1 or Plan 2; OR
6. be older than one (1) month and less than or equal to 74 years of age on Your Policy Purchase Date in order to be eligible for Plan 3 or Plan 4.

You must not know of any reason why you will need to seek medical or dental attention before you leave on a trip.

WAITING PERIOD for illness: 
If You purchase this Policy prior to your arrival in Canada, coverage begins on your arrival date.
If You purchase this Policy after arriving in Canada then there will be no coverage for illness for a period of 48 hours from your start date. Any sickness which started within the first 48 hours is not covered even if expenses are incurred after the 48-hours. Coverage for expenses incurred as a result of an injury is not subject to this limitation.

PRE-EXISTING CONDITIONS: 
   -If you are under 50 years of age
AIG does not cover any loss or expense related directly or indirectly to:
1. Your Medical Condition or any related condition if in the 90-day period immediately preceding Your Departure Date that conditionhas not been Stable and Controlled; OR
2. You have been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period for a heart condition; OR
3. You required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone for a lung condition.
   - If you are 50 years of age or olderAIG do not cover any loss or expense related directly or indirectly to:
1. Your Medical Condition or any related condition if in the 180-day period immediately preceding Your Departure Date that condition has not been Stable and Controlled; or
2. You have been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period for a heart condition; or
3. You required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone for a lung condition. 

Stable and Controlled means any Medical Condition (other than a Minor Ailment) for which there has been:
   • no new Treatment, new medical management, or newly prescribed medication(s); and
   • no change in Treatment, change in medical management, or Change in Prescribed Medication; and
   • no new symptom or finding, more frequent symptom or finding or more severe symptoms or finding experienced; and
   • no test results or test results showing deterioration; and
   • no investigations or future investigations initiated or recommended for symptoms whether or not Your diagnosis has been determined; and
   • no Hospitalization and no or referral to a specialist (made or recommended).
Change in Prescribed Medication means the medication dosage or frequency has been reduced, increased, stopped and/or new medications have been prescribed.
Exceptions:
• an adjustment to the insulin or Coumadin (Warfarin) dosage You are currently taking provided it is not newly prescribed or stopped and there has been no change to Your Medical Condition; AND
• a change from a brand name medication to a generic brand medication (insofar as the dosage is not modified).
Note: Each time you extend or purchase another policy from the insurance company because you are staying in Canada longer, each new or extended policy will have a new effective date and you will NOT be covered under the new or extended policy for any pre-existing medical conditions before the effective date of the new policy.

EXTENSIONS: 
If You choose to extend your trip beyond your scheduled return date and you have not made a claim nor is there reason to claim, you may apply for a policy extension subject to the following conditions:
1. the request for an extension must be made and approved by AIG prior to your original return date;
2. You must pay the required additional premium before your original return date; and
3. You must have been eligible for the insurance that you seek to extend at the time of your original booking and at the time of the request for the extension.

SIDE TRIPS: 
You must be planning to be in Canada for over 50% of your trip away from your departure point and your trip must begin and end in Canada. The coverage provided by this policy does not apply to risks and claims related to CUBA, as Cuba related risks and claims are not serviced and supported by AIG United States affiliates (upon which AIG Canada rely for service and support).

REFUNDS: 
Refunds are available up to your start date or if you have a minimum of four (4) 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. Refund requests must be substantiated with original receipts showing dates of travel. You must request your refund in writing. We cannot accept refunds over the phone.

 CLAIMS:
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. 

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).
You have 90 days from your return date to file your claim.
All claim information should be sent to:
Travel Guard
Attn: Claims Department
120 Bremner Boulevard, Suite 2200
Toronto, ON, M5J 0A8

EXCLUSIONS: 
These exclusions apply to the Emergency Medical Coverage. The additional exclusions set out in the General Exclusions Section below also apply.
There are two possible exclusion identifiers which can apply to Your Policy depending on Your age when Your insurance starts. These two identifiers are ME#1 and ME#2.
- If You are under 50 years of age - Medical Exclusion ME#1
- If You are 50 years of age or older – Medical Exclusion ME#2
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 Section below and the following exclusion:
ME#1. AIG does not cover any loss or expense related directly or indirectly to:
1. Your Medical Condition or any related condition if in the 90-day period immediately preceding Your Departure Date that conditionhas not been Stable and Controlled; OR
2. You have been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period for a heart condition; OR
3. You required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone for a lung condition.
Pre-Existing Condition: Medical Exclusion for Identifier ME#2
If Your exclusion identifier is ME#2 Your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section below and the following exclusion:
ME#2. AIG do not cover any loss or expense related directly or indirectly to:
1. Your Medical Condition or any related condition if in the 180-day period immediately preceding Your Departure Date that condition has not been Stable and Controlled; or
2. You have been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period for a heart condition; or
3. You required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone for a lung condition.

General Exclusions
In addition to the exclusions that apply to the Emergency Medical Coverage, AIG also does not cover any claim, loss or any expense related in whole or in part, directly or indirectly to:
1. expenses resulting from any Sickness, Injury or state of health prior to Your Policy Purchase Date that would cause Expected Medical Treatment or Hospitalization during Your Trip;
2. reimbursement for expenses once the Emergency ends and in the opinion of the attending Physician or dentist, You are able to travel to Your Home Province for any further Treatment relating to the Sickness or Accident that led to the Emergency other than for a Follow-up Visit as listed under the benefits for Emergency Medical Treatment);”
3. optional Policy extensions: Sickness or Injury which first appeared, was diagnosed or received medical Treatment after Your Departure Date and prior to the date Your optional insurance extension begins;
4. any Treatment that is not Emergency Medical 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;
5. Ionizing radiation or radioactive Contamination from any nuclear fuel or waste which results from the burning of nuclear fuels, or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
6. expenses incurred for any portion of benefits that require prior authorization and arrangements by AIG if such benefits were not authorized and arranged by AIG;
7. the Follow-up Treatment, Recurrence or complication of a Medical Condition or related condition, following Emergency Treatment of that condition during Your Trip if the medical advisors, or AIG, determine that You were medically able to return to Your Departure Point and You chose not to return;
8. the Follow-up Treatment of any heart or lung condition, following Emergency Treatment for a related or unrelated heart or lung condition during Your Trip if the medical advisors, or AIG, determine that You were medically able to return to Your Departure Point and You chose not to return;
9. any Medical Condition, if AIG medical advisors recommend that You return to Your Departure Point following Your Emergency Treatment, and You choose not to travel;
10. expenses incurred for Treatment or services that are prohibited under a government health insurance plan;
11. expenses in excess of reasonable and customary rates where Treatment has occurred before You or someone on Your behalf has called AIG;
12. Treatment or surgery for a condition or related condition that had caused Your Physician to advise You not to travel;
13. any medical expense incurred while travelling in the country of Your Departure Point;
14. 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 any time after the expected date of delivery;
15. Your Mental or Emotional Disorders;
16. Your committing or attempting to commit suicide or intentionally self-inflicted Injury (whether sane or insane);
17. any alcohol related Sickness, death, or Injury or the abuse of medication, drugs, alcohol or any other toxic substance during the Trip; Alcohol abuse includes having a blood alcohol level in excess of 80 milligrams of alcohol per 100 millilitres of blood;
18. Your chronic use or abuse (prior to or during Your Trip) of medication, drug or alcohol or deliberate non-compliance with prescribed medical therapy or Treatment;
19. a Trip undertaken in contravention of a Physician’s recommendation or after the manifestation of medical symptoms which would cause an ordinarily prudent person to seek medical advice or Treatment in the 90 days prior to Your Start Date; or where a Terminal Illness prognosis has been diagnosed by any Physician;
20. a Medical Condition or related condition that arises during a Trip You undertake with the prior knowledge that You will require or seek Treatment or surgery for that Medical Condition or a related condition;
21. a Medical Condition for which future investigation or Treatment is planned before Your Start Date. This does not include routine monitoring;
22. the commission of or Your direct or indirect attempt to commit a criminal act or Injury occurring while You are committing or attempting to commit a criminal act;
23. Your participation, and any claim resulting from activities including, but not limited to, rock or Mountain Climbing; hanggliding, parachuting, bungee jumping or skydiving; Ski Jumping, Ski Flying, Heli-Skiing, Ski Acrobatics, Ski Stunting, Freestyle Skiing, Ski Racing, Ski Bob Racing, or On-Piste and Off- Piste Skiing in areas designated unsafe by resort management. motorized racing or motorized speed contests; Your participation as a professional athlete in a sporting event; (Mountain Climbing means the ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pickaxes, anchors, bolts, crampons, carabineers, and lead or top rope anchoring equipment).
24. operating or learning to operate any aircraft, as pilot or crew; performing employment duties on any aircraft or ship; or performing duties in any armed forces service;
25. 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;
26. War (declared or not), acts of foreign enemies or rebellion;
27. interest on a payment or reimbursement;
28. the coverage provided by this Policy does not apply to risks and claims related to Cuba, as Cuba related risks and claims are not serviced and supported by the insurer’s United States affiliates (upon which AIG Canada rely for service and support), unless such coverage would be permissible under all applicable sanctions;
29. expenses arising from or related to a congenital defect if You are two (2) years of age or younger;
30. the purpose of the Trip is business or pleasure and is not to obtain health care or Treatment of any kind;
31. the Insurer will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the Insurer, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulations.;
32. This Policy will not cover nationals from Iran, Syria, Sudan, North Korea or the Crimea region. Or any loss, Injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Iran, Syria, Sudan, North Korea or the Crimea region.

- You must return to Your Departure Point prior to any Treatment or following Emergency Treatment or Hospitalization if, on medical evidence, You are able to return to Your Departure Point without endangering Your health and if, in these circumstances, You elect not to return to Your Departure Point, then any expenses incurred for continuing medical Treatment or surgery with respect to such Emergency will not be covered AND all coverage and benefits under this Policy will cease;
- Once You are deemed medically able to return to Your Departure Point (with or without a medical escort) either in the opinion of the Medical Department or by virtue of discharge from Hospital, Your Medical Emergency is considered to have ended, where upon any further consultation, treatment, recurrence or complication related to the Medical Emergency will no longer be eligible for coverage under this Policy.

RATES:

Travel Guard 
Visitors to Canada Insurance

Age/Sum

$25,000

$50,000

$150,000

0-24

$1.78

$2.44

$2.98

25-39

$1.93

$2.64

$3.22

40-59

$2.49

$3.41

$4.15

60-64

$3.50

$4.80

$5.84

65-69

$5.09

$6.97

$8.49

70-74

$7.25

$9.92

$12.10

75-79

$9.71

$13.28

N/A

80-84

$15.59

$21.33

N/A

Dependent Child and/or Dependent Children means unmarried persons who are Your natural, adopted or step children, dependent on You for support and care and who are travelling on the same itinerary as You are AND i) under 21 years of age; OR ii) full time students under 26 years of age; OR iii) mentally or physically incapable of self-support.

DEDUCTIBLE: 
The first $50 of every claim for Plans 1 and 2. There is no deductible under Plan 3 and Plan 4.

AGE: as of the day of application.

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 Visitors Insurance POLICY PDF

 

 

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