Destination Travel Visitors to Canada

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Summary of Benefits:

Coverage Amount $10,000 / $25,000 / $50,000 / $100,000 / $150,000 / $300,000
Medical Emergency Care Up to sum insured
Hospitalization Up to sum insured
Physician Services Up to sum insured
Laboratory Diagnostics / X-Ray Up to sum insured
Ambulance Services Up to sum insured
Registered Nurse Services Up to $10,000
Prescription Medication Up to $500 for 1 month supply
Medical Specialist Services (chiropractor, osteopath, etc.) Up to $500 for outpatient treatment
Family/Friend Transportation Up to $3,000 / $1,000 meals an accommodation
Follow Up Treatment Up to $3,000
Accidental Dental Repair Up to $3,000
Meals and Accommodation Up to $1,500 for 10 days while hospitalized
Repatriation Up to $3,000
Return of Deceased Up to $10,000
Cremation/Burial Up to $4,000
Accidental Death & Double Dismemberment Up to sum insured not exceeding $150,000
Single Dismemberment Up to 50% of sum insured
Rental of Medical Appliances No waiting period applies if the insurance is purchased prior to the arrival date in Canada. A waiting period will apply if the insurance is purchased after the arrival date in Canada

 

Side-Trips Benefit:

Your Visitors to Canada insurance coverage is active, while you are travelling outside Canada, except for your country of origin/citizenship or any other country, where you are eligible for a government healthcare. You must spend the majority of policy period time in Canada (at least 51%) prior going on a side trip in order to be eligible for the benefit.

Trip-Break Benefit:

You are allowed to visit your home country with an intention to return to Canada during the period of insurance coverage without having to cancel your policy. However, the costs incurred for any medical services in your country of origin are not covered by the Destination Canada.

Policy Wording:

Policy Wording is the official document that outlines and explains the benefits payable, eligibility requirements, exclusions and limitations as well as claims and refund procedures.

 

As of the effective date, in order to be found eligible for Visitors to Canada with The Destination: Travel Group Inc. coverage, a person to be insured MUST:

– Be at least 15 days old.
– Not be eligible and covered under any provincial or territorial health insurance plan in Canada. However, if you become insured by the Government Health Insurance Plan in the province of your temporary residence after the effective date of your policy with the Destination Canada, you are allowed to keep the policy, which would only apply to the services in excess of the provincial insurance you have.
– Be in good state of health with NO reason to seek medical attention.
Coverage is NOT AVAILABLE to any individual who, as of their effective date:

– Has been diagnosed with a terminal sickness.
– AIDS/HIV positive.
– Has been prescribed/used home oxygen during the last 12 months.
– Has been diagnosed with/received treatment for a congestive heart failure.
– Has had a major organ transplantation.
– Has been treated with kidney dialysis within the last 12 months.

 

Waiting Period:

There will be NO waiting period, if an Insurance Policy is purchased prior to your arrival in Canada. Or before the expiry date of an existing emergency healthcare plan with The Destination: Travel Group Inc.

Any individual, who is 85 years old and younger is a subject to a 48-hour waiting period, if:

a) The policy is purchased after the expiry date of an existing DTGI policy.
b) The policy is purchased after the arrival in Canada.

People over 86 years old are subjected to a 15-day waiting period for the above conditions.

Important Notice: Any sickness that manifests itself during the 48-hour waiting period is not covered under this insurance plan.

 

Pre-existing Medical Conditions:

Medical emergency insurance coverage with The Destination: Travel Group Inc. is ONLY provided for:

Applicants age 79 and under: You can choose to include the coverage for pre-existing medical conditions, provided that they have been stable for the last 120 days prior to the effective date.
Applicants age 80 and over: Pre-existing medical conditions are not covered.
Important Notice: There are other Exclusions and Limitations applicable. In order to go over it, please refer to the Policy Wording.

Making a Claim with Destination Canada:

If you have a medical emergency, you or someone on your behalf has to notify SelectCare Worldwide immediately, if it is possible, or within the first 24 hours of hospital admission. Failure to contact SelectCare within the specified time will reduce the payable benefits by 20%.
SelectCare Worldwide is available 24-hours a day, 7 days a week.

– Toll-Free – 1.866.261.1723 (within Canada)
– Collect – 416.340.1553 (Worldwide)
Important Notice:

– All claims must be reported within 30 days of occurrence.
– Written proof of claim must be submitted within 90 days of occurrence.
– Any costs incurred for documentation or required reports are the claimant’s responsibility.
– All eligible claims must be supported by original receipts from commercial organizations.

Premium Refunds:

Under no condition will a refund be made, if a claim has been incurred or paid, or is pending.
Full Refunds will be available for the insured, who:

– Cancel their entire trip to Canada before the effective date.
– Have received a refusal of the Super Visa application.
Partial Refunds are issued with a $25 cancellation fee to people insured, who present a proof of:

– Early departure to the country of origin/citizenship without any intention of coming back to Canada such as a copy of the Boarding Pass.
– Eligibility / coverage under any Provincial/Territorial Healthcare Plan in Canada such as a copy of the official enrollment letter or the provincial health insurance card.

Partial refunds are calculated using daily insurance premiums – a number of days left on the policy before it expires. Moreover, Partial Refund amounts less than the minimum premium of $25 will not be issued.


Policy Wording Brochure Claim Form