Do I need coverage while travelling in Canada?
There are some medical costs incurred in other provinces that are not covered by your Government Health Insurance Plan. These include land and air ambulance, prescriptions, crutches and other appliances, home care and long-term care and others. It is always best to confirm with your provincial government health insurance plan what is and is not covered while you are out-of-province or out-of-country.
Will my children be covered on my policy?
Travellers Choice offers a family plan that will cover your children. All dependent children from age 15 days old up to age 21 will have coverage. Please call for details.
Does the annual plan provide coverage for travel within Canada?
If your Confirmation of Coverage indicates you have a multi-trip annual plan, you will have unlimited coverage for medical emergencies occurring outside of your home province or territory while traveling within Canada. The coverage pays for eligible expenses that are not covered by your Government Health Insurance Plan (GHIP).
What does "deductible" mean?
A deductible is the amount of money which you must pay before the insurance company's own coverage begins. Keep in mind, this amount is in CAD dollars. This means that you are responsible to pay this amount of any claim you incur. Travellers Choice comes standard with a $99 CAD deductible. There are also other deductible options available that could lower your premium. Save 5% by selecting a $250 CAD deductible, save 10% by selecting a $500 CAD deductible, save 15% by selecting a $1,000 CAD deductible, save 25% by selecting a $5,000 CAD deductible or save 40% by selecting a $10,000 CAD deductible.
Is the deductible by claim or by trip?
The deductible is per person, per claim.
What is the name of the insurance company?
Travellers Choice is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies, and administered by Allianz Global Assistance, a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.
I would like to speak to someone at the insurance company. Who do I call?
The 24-hour assistance and claims administrator is Allianz Global Assistance. You may contact them at 1-800-995-1662. Please note that this is the 24-hour emergency number. To order a claim form call 1-800-869-6747.
If you have a question concerning the product, we can provide you with all the information you need. Just give us a call.
Do you protect "Limited Lifetime Maximum" retirement coverage?
Yes. The first $100,000 of any Limited Lifetime Maximum retirement plan is protected. You may want to select a higher deductible to reduce your premium. If you have a claim, you can pay the deductible out of your "limited lifetime maximum" retirement fund.
Is the coverage $10 million CAD per person or per policy?
The coverage is $10 million CAD per person per trip.
Is $10 million coverage in Canadian dollars enough?
Yes. There have been claims that have exceeded $1 million CAD, so it is essential to have coverage that will cover any incidental claims over $1 million CAD. Why take the chance of not having enough coverage?
If I need an extension, can I just call you?
Most extensions can be done over the phone provided you are able to pay with Visa or MasterCard. Extensions will only be permitted if you have not had a claim nor have a claim pending.
Do you have automatic extension of coverage?
Your coverage will be extended automatically without additional premium for up to 3 days, upon notifying Allianz Global Assistance, if your return to your province or territory of residence is delayed beyond the expiry date of this insurance due to the following reasons:
A) the delayed arrival or departure of a common carrier which you are travelling aboard causes you to miss your schedule return to your province or territory of residence;
B) you or your travel companion's return is delayed beyond the expiry date of this insurance as a result of sickness or injury for which you or your travel companion are not deemed medically stable to return to your province or territory of residence in the opinion of Allianz Global Assistance.
What happens if I am hospitalized on the day my insurance expires?
Your coverage will remain in force for as long as you are hospitalized. Up to a 3 day extension of coverage will commence automatically upon your release from hospital to allow sufficient time for you to return to your province or territory of residence.
I have pre-existing medical conditions. Are they covered if I have a medical emergency while travelling?
Pre-existing medical conditions will be covered providing you meet the stability period stipulated by the plan for which you are eligible. Some general exclusions do apply. Consult the Policy for a complete list of exclusions. Rate Tables 1, 2 and 3 pre-existing medical conditions will be covered if they are stable in the 90 days before your effective date. Rate Tables 4 and 5 pre-existing medical conditions will be covered if they are stable in the 180 days before your effective date (90 days for high blood presssure). Rate Table 6 pre-existing medical conditions will be covered if they are stable 365 days before your effective date (90 days for high blood pressure).
Do you sell trip cancellation and lost baggage insurance?
Yes. We have TUGO Travel Insurance which offers comprehensive travel insurance for this purpose. Please call for details.