Destination Travel Insurance
Administrated by: The Destination: Travel Group Inc.
Underwritten by: CUMIS General Insurance Company, a member of The Co-operators group of companies
24 hours Emergency Assistance Center: SelectCare Worldwide
Maximum Benefits: $5,000,000
Ambulance Transportation: Licensed local ground or air ambulance service. Sea and mountain evacuation is limited to $5,000.
Emergency Hospital: semi-private hospital accommodation.
Physicians – in and out of a hospital
Private Duty Nurse – up to $5,000 for services of a registered nurse*
Diagnostic Services: Lab tests and X-ray examinations ordered by a physician. Note: MRI, CAT scans, sonograms, ultrasounds and biopsies must be pre-approved by SelectCare*
Prescription drugs or medicines, limited to 30-day supply per prescription (unless you are hospitalized)
Medical Appliance: Rental or purchase (whichever is less) of a wheelchair, brace, crutch or other medical appliance*
Professional Medical Services – care received from a licensed chiropractor, osteopath, physiotherapist or podiatrist, up to $350 per category of practitioner, when referred by a physician*
Accidental Dental: Up to $3,000 for repair or replacement of whole or sound natural teeth damaged by an accidental blow to the face.
Dental Emergencies: Up to $500 for the immediate relief of acute dental pain, outside your province/territory of residence.
Expenses to return children under your care: up to the cost of a one-way economy airfare to transport your insured children or grandchildren to their original point of departure if you are admitted to the hospital for more than 24 hours or must be medically repatriated due to an emergency; if necessary, the extra cost for a qualified caregiver to escort your children*
Return of Vehicle: Up to $2,500 to return a vehicle if neither you, nor someone traveling with you, are able to drive your vehicle to your original departure point as a result of an emergency.
Return to Original Trip Destination – up to $5,000 to return you to your original trip destination, when you have recovered from the emergency (if you have been returned to Canada for treatment)*
Meals and Accommodation - up to $150 per day to a maximum of $1,500 for meals, hotel, phone calls and taxis, if an emergency prevents you or your travel companion from returning to your province/territory of residence as originally planned or if your emergency medical treatment or that of your travel companion requires your transfer to a location that is different from your original destination.
Expenses Related to your Death: In the event of death from covered condition, up to $5,000 for the preparation of your body and the cost of the transportation container plus the transportation costs to return your body home; or up to $2,000 to cremate your body at the place of death; or up to $5,000 for the preparation of your body and for your burial at the place of death.
Bedside Companion: the cost for a round-trip economy airfare, to bring a bedside companion to you and up to $150 per day to maximum of 1,500 for meals and commercial accommodation, if you have been hospitalized for at least 72 consecutive hours*
Pet Return – up to $300 to return the insured’s accompanying dog or cat to Canada, if the insured is returned to Canada or hospitalized.
Hospital Allowance: up to $50 per day, to a maximum of $250, for additional out-of-pocket expenses (i.e. telephone, television rental) when you are hospitalized for 48 hours or more.
* Must be pre-approved by SelectCare Worldwide.
You must purchase this insurance prior to your departure date from your province/territory of residence.
To be eligible for coverage you must, as of the date you apply for coverage and the effective date:
- Be a Canadian resident over the age of 14 days and under age 75; and
- Be covered by the government health insurance plan (GHIP) of your Canadian province/territory of residence for the entire duration of your trip.
You are NOT ELIGIBLE for coverage if you have been diagnosed with or treated for any of the following:
- Traveling against the advice of a physician; or
- Terminal illness; or
- AIDS or HIV, or
- Aneurysm that has not been surgically repaired; or
- Metastatic cancer or cancer of the liver, pancreas or bone; or
- Organ transplant (heart, lung, liver, kidney); or
- Kidney failure requiring dialysis.
In addition to the above, if you are between the ages of 55 and 74, you are NOT ELIGIBLE if you have been diagnosed with or treated for any of the following:
- Heart condition, lung condition (excluding asthma), diabetes (excluding diet controlled), stroke, mini-stroke or TIA; or
- Cirrhosis of the liver; or
- Crohn’s disease or ulcerative colitis.
If you are between the ages of 0 to 54, you may purchase a Single Trip plan for a period of up to 365 days. If you are age 55 to 74, you may purchase a Single Trip plan of up to 25 days.
The Annual Multi-Trip Plan option is only available to applicants age 0 to 54.
Note: Definition for age is “your age on the date of application”.
PRE-EXISTING CONDITIONS: This policy does not provide benefits for losses or expenses incurred as a result of, in connection with or in any way associated with: Any pre-existing medical condition (other than a minor condition) that was not stable at any time during the 90 days prior to the policy effective date.
Minor condition: Means an ailment which does not require any follow up consultation to any medical provider beyond one single assessment and includes the use of prescription medication for a maximum period of ten days, and which has not reoccurred in the 6-month period following the initial manifestation.
Pre-existing medical condition: Means a medical condition for which treatment has been taken or received or which exhibited symptoms prior to your policy effective date and includes a medically recognized complication or recurrence of a medical condition.
Stable or stability: A pre-existing medical condition is considered stable if in the 90 days before the policy effective date, there has been:
a) no new treatment or new medication; and
b) no change in treatment or change in medication; and
c) no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
d) no new test results or test results showing a deterioration; and
e) no investigations or future investigations initiated, or recommended for your symptoms; and
f) no hospitalization or referral to a specialist (made or recommended).
If you choose to extend your trip beyond the policy expiry date shown on the confirmation of coverage for any reason, you must contact your Broker or the Destination: Travel Group Inc prior to the policy expiry date shown on the confirmation of coverage and pay the required additional premium (subject to our minimum premium). Any extension granted will be subject to the terms, conditions, limitations and exclusions of the policy, subject to our prior approval and, at our option, the completion of a Statement of good health. The recurrence of a medical condition(s) or related condition(s), that were present during the original term of the policy will not be covered under this policy during any extension period.
DTGI will only consider requests for a refund if you did not leave on your trip or if you returned early from your trip and:
(a) no claim has been incurred or paid, or is pending; and
(b) you send a written request with proof of your non-departure or early return before your coverage period ends.
No claim will be paid if you have received a refund of premium for unused days.
Refunds will be calculated on a pro-rated basis from the date postmarked on your written request if mailed, or on the date such faxed request is received by the Destination: Travel Group Inc. and are subject to a $25.00 cancellation fee and a minimum refund of $10.00. Under no condition will a refund be made after the policy effective date of an Annual MultiTrip Plan or for an early return during a coverage extension period.
You must notify SelectCare Worldwide at 416-340-1553 (collect) or 1-866-261-1723 within 24 hours of any emergency medical treatment. The Emergency Medical Assistance provides services 24 hours per day, 7 days a week.
If it is not reasonably possible for you to contact us prior to seeking treatment, due to the nature of your emergency, you must have someone else call on your behalf or you must call as soon as medically possible. Failure to do so limits benefits payable to:
a) in the event of hospitalization, 80% of eligible expenses, based on reasonable and customary costs, to a maximum of $25,000; and
b) in the event of an outpatient medical consultation, a maximum of one visit per sickness or injury.
SUBMIT CLAIMS TO:
2100 – 250 Yonge Street
Toronto, Ontario, Canada M5B 2L7
Toll free 1-866-261-1723 or
Worldwide collect 416-340-1553
All eligible claims shall be paid within 60 days after SelectCare Worldwide have received proof of claim.
This policy does not provide benefits for losses or expenses incurred as a result of, in connection with or in any way associated with:
1. Any pre-existing medical condition (other than a minor condition) that was not stable at any time during the 90 days prior to the policy effective date.
2. Expenses incurred for medical care or services where travel was undertaken contrary to medical advice or after notice of a terminal illness has been given.
3. Expenses incurred for:
(i) ongoing or follow-up treatment, rehabilitative care, or the recurrence of a medical condition or related condition once the emergency is declared over by the attending physician;
(ii) lost or replacement medication;
(iii) eyeglasses or contact lenses;
(iv) dental services (other than provided for in this policy);
(v) services which are not deemed medically necessary;
(vi) any treatment received after the emergency is declared over by us, in consultation with the attending physician;
(vii) treatment of varicose veins, or cataracts
4. Transplants including but not limited to cornea or organ transplants or bone marrow transplants, artificial joints, prosthetic devices or implants including any associated charges.
5. Expenses incurred whereby this policy was purchased specifically to obtain treatment outside your province/territory of residence whether or not recommended by your attending physician.
6. Routine or elective treatment for pregnancy, including high-risk pregnancy, within the first 32 weeks of the pregnancy. (High risk pregnancies: means a pregnancy involving a medical condition that puts the mother, the developing fetus or both at a higher than normal risk of developing medical complications during or after the pregnancy and birth. These medical conditions include preeclampsia, eclampsia, hypertension, Rh incompatibility, gestational diabetes, or placenta previa.)
7. Pregnancy, childbirth or complications thereof after the 32nd week of pregnancy
8. Medical expenses incurred as the result of:
(i) non-compliance with any prescribed medical therapy or medical treatment or failure to carry out a physician’s instructions;
(ii) your visit to a medical specialist which was not referred by a general practitioner.
9. Any Emergency Assistance Services, medical procedure, hospitalization or ambulance service that was not previously authorized or arranged in advance by DTGI.
10. Rock or mountain climbing; hang-gliding, parachuting, bungee jumping, or skydiving; participation in a motor sport or motor racing; your professional participation in an organized sport; or scuba diving (unless you hold an underwater diving certificate). Mountain climbing: Means the ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabineers and lead or top-rope anchoring equipment. Description for Professional is: A person who is engaged in a specific activity as his/her main paid occupation.
11. Act of war; kidnapping; act of terrorism; riot, strike or civil commotion; unlawful visit in any country.
12. The participation by you, a immediate family member or travel companion in:
(ii) armed forces activities;
(iii) the commission or attempted commission of any criminal offence; or
(iv) the contravention of any statutory law or regulation in the area where the loss occurred.
13. Losses while sane or insane due to:
(i) emotional, mental or nervous disorders resulting from any cause, including but not limited to anxiety or depression;
(ii) suicide, attempted suicide; or
(iii) intentional self-inflicted injury.
14. Loss, death or injury, if at the time of the loss, death or injury, evidence supports that you were affected by, or the medical condition causing the loss was in any way contributed to by:
(i) the use of alcohol, prohibited drugs, or any other intoxicant;
(ii) the non-compliance with prescribed treatment or medical therapy;
(iii) the use of medication or drugs that have not been approved by the appropriate government authority; or
(iv) the misuse of medication.
15. Expenses resulting from a motor vehicle accident where you are entitled to receive benefits pursuant to any policy or legislative plan of motor vehicle insurance.
16. Operating or learning to operate any aircraft, as pilot or crew.
17. Expenses incurred for:
(i) medication commonly available without prescription;
(ii) vaccinations, injections or medication received on a preventative basis or for the maintenance of a medical condition;
(iii) contraceptives, fertility drugs, vitamin preparations, general physical examinations or routine medical tests.
18. Unless approved in advance by us:
(i) the return of your vehicle if you pre-booked the return of your vehicle, or if you had purchased a round trip air fare ticket prior to your emergency;
(ii) air transportation;
(iv) magnetic resonance imaging (MRI), computerized axial tomography (CAT) scans, sonograms, ultrasounds, biopsies or any other diagnostic tests;
(v) cardiac procedures including but not limited to cardiac catheterization, coronary angioplasty, coronary bypass and/or surgery.
19. HIV or Acquired Immune Deficiency Syndrome (AIDS) or any possible consequences thereof.
20. Sexually Transmitted Diseases.
21. Any conditions for which you are hospitalized on your policy effective date, if your policy effective date is after the date you depart Canada.
22. Engagement in manual labour for wages or profit including the operation of transport vehicles; performing employment duties on any aircraft or ship; performing duties in any regular armed forces service.
23. Expenses incurred in your province/territory of residence (unless specifically provided for in this policy)
24. Any interest, finance or late payment charge.
25. Elective or non-emergency medical or dental treatment.
26. Expenses incurred if you have provided incomplete or inaccurate information.
27. Any loss incurred in a city, region, or country when, prior to the effective date, the Department of Foreign Affairs and International Trade of the Canadian Government issued a written warning to avoid all travel, or to avoid non-essential travel to that city, region, or country.
- Family coverage is only available for applicants up to age 54. Premium is based on the oldest member of the family.
- Child or children: your unmarried child or step-child who is, at the date of purchase, dependent on you for support and is:
a) under 21 years of age; or
b) a full-time student who is under 26 years of age; or
c) of any age with a permanent physical impairment or mental deficiency.
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.
Destination: Travel Leisure Plan POLICY PDF