Gap Year
Things you need to know
If you’re like most students planning a gap year adventure, you’ll be doing a lot more than backpacking from one destination to the next. Whether you’ll be volunteering, doing conservation work or picking up odd jobs along the way, it’s important to have Travel Insurance for your entire trip.
Travel Medical Insurance covers emergency medical costs while you are outside of Canada or just outside your province. And because provincial health insurance will not fully cover you outside Canada, a travel policy is a must. Don’t take the risk — buy Travel Insurance today and protect yourself against the widest range of unexpected travel and emergency medical situations.
Simple and affordable coverage for your travel adventures
Definition
- Unless otherwise stated, the policy will pay reasonable and customary expenses on your behalf, up to $5,000,000.
- Within Canada you will be covered for in-hospital care, medical and diagnostic services, medication, emergency dental, private nursing, and repatriation.
- Trip cancellation coverage includes non-refundable transportation and travel arrangements.
- Also covers trip cancellation penalties, travel delay expenses, and baggage loss, damage and delay.
Up to $5,000,000 coverage
Wide range of medical services included
In-hospital care – accommodations up to semi-private rooms and hospital services and supplies necessary for care.
Medical services by a physician or surgeon.
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Diagnostic services — including x-rays, magnetic resonance imaging, sonograms and more.
Prescription medication obtained from attending doctor.
Accidental dental — expenses for repair and replacement of natural teeth or permanently attached teeth due to accidental blow to the mouth.
Expenses outside of Canada — air ambulance, special attendant, escort of insured dependent.
Easy application process.
Choice of deductible.
Twenty-four-hour phone travel assistance services in several different languages.
Direct billing to save out-of-pocket expenses.
Travel benefits covering extended trips up to 30 days long.
Choice of deductible ranging from $0 to $5,000.
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You will not be turned down for coverage regardless of health condition. It is a simple, permanent insurance solution designed to meet the insurance needs of the most challenging applications.
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It provides the coverage you want, whether you have very serious medical conditions or are in good health.
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The coverage amount will never decrease over the life of the policy.
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Premiums are guaranteed not to change over the life of the policy.
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Policies accumulate guaranteed cash value beginning in the policy’s fifth year. You can use the cash value to pay premiums as long as cash values are sufficient. If the policy is cancelled, any remaining cash value will be paid to the policy owner.
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Life Insurance
Travel Insurance
Critical Illness
Group Employee Benefits