Out of Country Insurance
Things you need to know
Travel insurance is the best way to safeguard your finances should something unexpected happen while you travel. Whether you’re a snowbird, a family on vacation, a backpacker or a cross-border shopper, travel worry-free with emergency medical, trip and baggage coverage.
We will keep you protected around the world
Definition
Coverage may be purchased as a Single-trip or Multi-trip annual plan.
The Single-trip plan provides coverage for one trip with a specified departure date and return date. A Multi-trip annual plan provides annual coverage for unlimited trips of either 15 or 30 days, based on the option selected. Both plans offer coverage to a maximum of $5,000,000 CAD per insured person.
Emergency medical
Trip cancellation
Trip cancellation – protection from expenses when a trip is cancelled prior to departure. Providing coverage for things like non-refundable airfare, pre-paid travel arrangements and cancellation penalties.
Trip – interruption or delay – protection from expenses when a trip is interrupted before or after departure.
Baggage loss, damage and delay – reimbursement for the cost to replace: one item or set of items; documents such as a passport or driver’s license; personal items if baggage is delayed for 12 hours or more.
Single–trip plan – coverage for one trip, with a sum insured based on the value of the trip, up to $20,000 per person.
Multi–trip annual plan – coverage for an unlimited number of trips throughout the policy year. This plan is only available with the purchase of a multi–trip annual emergency medical plan.
Can be purchased separately or bundled with emergency medical coverage.
Up to $5,000,000 CAD in emergency medical coverage.
24 essential benefits, including coverage for costs associated with hospital accommodations, ambulance, private duty nursing, and diagnostic services.
Single–trip plan – coverage for one trip up to 365 days long.
Multi–trip annual plan – coverage for an unlimited number of trips throughout the policy year, with a choice of 15 or 30-days trip length maximum.
Your choice of either a$0, $250, $1,000, $5,000 deductible.
Emergency medical coverage includes 24-hour worldwide assistance.
In-hospital care – accommodations up to semi-private rooms and hospital services and supplies necessary for the care.
Medical services – medical treatment by a physician or surgeon.
Diagnostic services – such as x-rays, magnetic resonance imaging, sonograms, etc.
Prescription medication – drugs and medication obtained on the prescription of the attending doctor.
Emergency dental services – expenses up to a maximum of $2,000, due to an accidental blow to the mouth that requires the repair or replacement of natural teeth or permanently attached artificial teeth.
Includes 24-hour worldwide assistance.
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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