Visitors Insurance
BENEFITS:
NOTE: Monthly Payment Plan is available for trip durations of 365 days.
– Maximum Benefits: $10,000; 25,000; $50,000; $100,000; $150,000; $200,000
– Emergency hospital: semi-private room or intensive care unit when medically necessary.
– Follow-up visits: up to 30 days following the end of a covered emergency when ordered by the attending physician.*
– Ambulance Transportation: the use of a licensed local ambulance service up to $5,000.
– Emergency Air Transportation: up to $25,000 for the cost for one-way economy airfare, stretcher, and medical attendant (if necessary) or air ambulance to transport you to your country of residence. *
– Prescription drugs: 30-day supply.
– Diagnostics and laboratory services as part of the Emergency. **
– Private duty nursing: up to $10,000.
– Medical Appliances: the cost of wheelchair rental, crutches, braces or other medical appliances up to $5,000.
– Professional Medical Services: 50% of the expenses up to $2,000 combined maximum for the services provided by an acupuncturist, chiropractor, chiropodist, osteopath, podiatrist and physiotherapist.
– Accidental Dental: Up to $5,000 in the event of a sudden dental infection or damage to the Insured’s sound natural teeth caused by an Injury to the mouth.
This benefit excludes Dental Emergencies – expenses for dental checkups, fillings, or tooth extractions (unless the treatment is part of the Emergency).
– In-Hospital Expenses: up to $2,000 for extra out-of-pocket expenses (such as telephone and television rental) during hospitalization.
– Return of Dependent(s): up to $3,500 to return any dependent(s) who were traveling with you, if you are returning home under the Emergency Air Transportation Benefit.*
– Escort of Dependent(s): up to $3,000 for a caregiver (excluding relatives) to accompany any dependents to their country of residence in the event you are returning home under the Emergency Air Transportation Benefit.*
– Relative to Bedside: up to $2,000 to transport one relative or another person and up to $100 per day for meals and accommodation of this person, if you are hospitalized due to a covered sickness or injury for the duration exceeding 3 days.
– Repatriation due to a medical emergency: up to $10,000 to return you to your Country of Residence via regular flight if you become completely disabled due to an emergency that requires Hospitalization for 3 days or longer.
– In the event of death: up to $10,000 for preparation or transportation of the body to the country of residence and the transportation of one relative to accompany the body OR up to $4,000 for cremation or burial at the location where the death occurred.
– Meals and Accommodation: Up to $100 per day when your scheduled return to your country of residence is delayed beyond the termination date due to an emergency experience by you (Person insured) or the death of a relative.
– Flight to/from Canada coverage: expenses incurred outside of Canada are NOT covered unless they are incurred while in direct transit (including layovers) to or from Canada, provided the Person Insured experiences the Emergency while the contract is in effect.
*Approval from the Medical Director is required.
** Magnetic resonance imaging (MRIs), computerized axial tomography (CAT) scans, sonograms, ultrasounds, and biopsies require the Medical Director’s prior approval, unless they are deemed Medically Necessary as part of the Emergency.
ELIGIBILITY:
WAITING PERIOD for injury and sickness:
If You purchase the contract after the Person Insured’s arrival in Canada, there is no coverage for any Emergency caused by an Injury or Sickness that began within 5 days following the Effective Date.
The Waiting Period is waived if the Person Insured is covered by another Canadian travel insurance contract and the coverage under the other Canadian travel insurance contract does not end before the Effective Date of this contract.
PRE-EXISTING CONDITIONS:
Pre-Existing Condition(s) means a medical or physical condition, symptom, illness, or disease, whether diagnosed or not, for which Treatment has been received or taken, or for which a Person Insured exhibited signs or symptoms, at any time before the Effective Date.
The contract will not provide any coverage, and no payments will be made for any expenses that result, either entirely or in part, from, are contributed to by, or naturally and predictably stem from, any of the following excluded risks:
1. Any Pre-Existing Condition, unless the most recent Policy Receipt from the Company confirms the Person Insured has Pre-Existing Condition coverage and the Person Insured, or You on the Person Insured’s behalf, accurately and fully disclosed all of the Person Insured’s Pre-Existing Condition(s) material to the insurance applied for in the Application and such Pre-Existing Condition is not expressly excluded in the most recent Policy Receipt.
2. a) Any Pre-Existing Condition that was not Stable at any time during the 90 days immediately before the Effective Date.
b) If the 365-day stability coverage is purchased, any Pre-Existing Condition that was not Stable at any time during the 365 days immediately before the Effective Date.
c) Any condition listed under “Exclusions” on the most recent Policy Receipt.
d) Any condition listed under “Notes” on the most recent Policy Receipt as an excluded condition.
e) Any loss, Sickness or Injury related to a Pre-Existing Condition that is not excluded by exclusion #1 above if the Person Insured did not inform the Company of a change in such Pre-Existing Condition before the Effective Date and the Company did not agree in writing to cover such change in the Pre-Existing Condition.
3. If the Person Insured has diabetes as a Pre-Existing Condition, Treatment of any cardiovascular or cerebrovascular conditions.
Stable means that Your condition remains unchanged or is not deteriorating. This includes:
(i) no alteration in signs or symptoms or the appearance of new signs or symptoms;
(ii) no reduction, increase, or discontinuation of medication dosage or frequency;
(iii) no new medications prescribed;
(iv) no Hospitalization or need for medical consultation (except routine examinations); and/or
(v) no prescription, receipt, or recommendation of any medical, therapeutic, or diagnostic procedure by a Physician, including investigative testing or surgery.
EXTENSIONS:
You may request to change the Termination Date in order to extend the Policy Period, up to a maximum Policy Period of 365 days, provided the requested extension meets minimum premium requirements and no claim is submitted or payable under the contract. An extension request will be rendered invalid if prior to the extension being approved by the Company, an Emergency occurs for which a claim may be submitted under the contract. The Company has sole discretion in its decision to grant an extension.
Extensions to the contract are not effective unless confirmed by the Company through the issuance of a new Policy Receipt.
SIDE TRIPS:
Expenses incurred outside of Canada are NOT covered unless they are incurred while in direct transit (including layovers) to or from Canada, provided the Person Insured experiences the Emergency while the contract is in effect.
A Person Insured may take trips outside of Canada, including to their Country of Residence, during the Policy Period without canceling this contract.
Please contact Trident Global Assistance if the Person Insured is outside of Canada for 30 or more days.
Automatic Extension of Coverage:
The contract will automatically be extended for the periods indicated below, without any additional premium, if, on or immediately prior to the Termination Date:
1. A Person Insured becomes Hospitalized, for the duration of the Hospitalization and up to 72 hours following the conclusion of the Emergency; or
2. A Person Insured’s scheduled commercial common carrier experiences delays due to extreme weather conditions or mechanical failures, for a period up to 72 hours following resolution of such delays.
It is essential to notify Trident Global Assistance immediately of such occurrences and provide documented proof of such occurrences that is satisfactory to Trident Global Assistance.
REFUNDS:
You may apply to cancel the contract and receive a refund of prepaid premiums conditional upon any one of the following occurring:
1. The Person Insured is not required to maintain coverage for work permit or other immigration purposes.
2. The Person Insured fails to meet Super Visa requirements.
3. The Person Insured departs from Canada before the Termination Date.
4. A Person Insured is a Dependent or a Spouse and is removed from the contract.
No request to cancel the contract and receive a premium refund may be made unless:
1. this contract is signed by You and returned to the Company;
2. no claim has been paid or declined or is pending under the contract;
3. sufficient proof is provided that the condition(s) for receiving a refund has (have) been met; and
4. the contract has not terminated.
Subject to the following conditions, refunds of pre-paid premiums are calculated from the date the contract is returned to the Company, and a service fee may apply. You may request the termination be backdated for up to a maximum of 2 months. Any backdating of the termination is in the sole discretion of the Company.
If Your request to cancel the contract is approved and:
– the total premium payable for the contract was paid on the Application Date, there will be a short-rate premium penalty calculated to the date of the request according to the Company’s table in use at the time of the termination, as well as applicable administrative fee(s).
– You are cancelling the contract because the Person Insured fails to meet the Super Visa requirements, the Company’s short-rate premium penalty will apply unless a copy of the Person Insured’s Super Visa denial letter is provided before the Effective Date.
Applicable service fees and administrative charges are not refundable.
Notwithstanding the above, a full refund of the initial premium and fees paid is available if You return the contract for cancellation within 10 days after You receive it, pursuant to the “10 Day Free Look” section of this Policy.
Note: The minimum refund is $20. Refunds less than $20 will not be processed. There is no refund is You have a claim paid, pending or declined. You may withdraw Your claim to allow You to get a refund upon payment to an administrative charge of $200.
SERVICE FEES AND ADMINISTRATIVE CHARGES
The following is a non-exhaustive list of common non-refundable service fees and administrative charges:
a) to set up the monthly payment plan: $50;
b) if You selected the monthly payment plan and Your credit card is declined for an installment payment: $25;
c) to change Effective Date after Your contract has started: $50 (within 2 months of original Effective Date) or $100 (more than 2 months after original Effective Date);
d) to cancel Your contract because You left Canada (if not within 10 days after receiving Your contract): $50;
e) to withdraw a claim to cancel Your contract and obtain a refund: $200;
f) to cancel Your contract used for a Super Visa application after Your arrival in Canada without evidence of a visa refusal letter: $250
CLAIMS:
For Emergencies, Claims Assistance and General Inquiries regarding Your travel insurance, call Trident Global Assistance at: Toll-Free 1-833-370-8777 (within Canada & US) International Collect 416-814-7615 (from other countries).
Failure to contact Trident Global Assistance within the first 48 hours of a visit to a Hospital, urgent care clinic, or a Physician (including virtual visits) as a result of an Emergency may result in a reduction in benefits under the contract.
REDUCTIONS OF COVERAGE
If You or the Person Insured fail to contact Trident Global Assistance within the first 48 hours of an Emergency or Hospitalization for an Emergency, the individual benefit maximums under the contract will be reduced by 20% and the coverage limit under the contract will be restricted to $25,000 if You have selected a coverage limit of $50,000 or more. This reduction of coverage will not apply if the Person Insured’s condition prevents You and the Person Insured from contacting Trident Global Assistance as provided in this section, and You or the Person Insured contact Trident Global Assistance as soon as it is medically possible.
Claim Notification
You or the Person Insured are required to notify Trident Global Assistance in respect of any claim within 24 hours of an Emergency. Failure to do so will result in a reduction of coverage as described above.
Claim Form & Inquiries
To obtain a claim form or if You have an inquiry related to an existing claim, please contact Trident Global Assistance at 1-833-370-8777 within Canada or the US, or from any other country at 416-814-7615 (International Collect).
Mail or Delivery Claim Forms To:
Email: claims@tridentassistance.com
Trident Global Assistance
21 Four Seasons Place
Etobicoke, ON M9B 0A6
Claim Documentation
It is essential to submit all claims to Trident Global Assistance within 90 days from the date of the loss. If You or the Person Insured submit a claim but fail to provide proof of the claim within this 90-day period, the claim will not be invalidated if You or the Person Insured provide the proof as soon as reasonably possible and, in any case, within 1 year from the date of the loss. If applicable laws allow for a longer submission period, the extended timeframe specified by applicable law will apply.
In order for Trident Global Assistance to administer a claim, You or the Person Insured must provide all documents that Trident Global Assistance requires to support the claim. The Person Insured’s prior medical history will be reviewed when a claim is reported. Please note that incomplete proof of claim and authorization forms will result in delays in the assessment of the claim.
EXCLUSIONS:
The contract will not provide any coverage, and no payments will be made for any expenses that result, either entirely or in part, from, are contributed to by, or naturally and predictably stem from, any of the following excluded risks:
1. Any Pre-Existing Condition, unless the most recent Policy Receipt from the Company confirms the Person Insured has Pre-Existing Condition coverage and the Person Insured, or You on the Person Insured’s behalf, accurately and fully disclosed all of the Person Insured’s Pre-Existing Condition(s) material to the insurance applied for in the Application and such Pre-Existing Condition is not expressly excluded in the most recent Policy Receipt.
2. a) Any Pre-Existing Condition that was not Stable at any time during the 90 days immediately before the Effective Date.
b) If the 365-day stability coverage is purchased, any Pre-Existing Condition that was not Stable at any time during the 365 days immediately before the Effective Date.
c) Any condition listed under “Exclusions” on the most recent Policy Receipt.
d) Any condition listed under “Notes” on the most recent Policy Receipt has an excluded condition.
e) Any loss, Sickness or Injury related to a Pre-Existing Condition that is not excluded by exclusion #1 above if the Person Insured did not inform the Company of a change in such Pre-Existing Condition before the Effective Date and the Company did not agree in writing to cover such change in the Pre-Existing Condition.
3. If the Person Insured has diabetes as a Pre-Existing Condition, Treatment of any cardiovascular or cerebrovascular conditions.
4. Any loss, Sickness or Injury which occurred outside of Canada, unless the Person Insured experiences an Emergency while in direct transit to or from Canada (including layovers) and the contract is in effect.
5. Any loss, Sickness or Injury that occurred before the Effective Date or during the Waiting Period, if applicable.
6. Any loss, Sickness or Injury resulting from asymptomatic or symptomatic HIV infection, Acquired Immune Deficiency Syndrome (AIDS), AIDS-related conditions (ARC), or the presence of HIV, including any related diagnostic tests, charges, or other sexually transmitted diseases.
7. Any loss, Sickness or Injury that occurs during the Person Insured’s visit to Canada, which was undertaken with the knowledge that the Person Insured will need or seek Treatment or surgery for that Sickness, Injury, or related condition, or for the purpose of obtaining Treatment or surgery.
8. Any loss relating to non-Emergency Treatment, check-ups, general health examinations, cosmetic care or surgery, routine care for chronic conditions, rehabilitation, or any related complications, whether directly or indirectly. Additionally, medical investigations, investigative Treatment or elective surgeries that are not Medically Necessary as part of the Emergency Treatment protocol or can reasonably be postponed until the Person Insured can return to their Country of Residence via the next available mode of transportation are also not covered. The timing of receiving Treatment in their Country of Residence does not affect the application of this exclusion.
9. Any loss, Sickness or Injury when travel is arranged or initiated against medical advice and either with prior awareness of an Unstable Condition or following the diagnosis of a Terminal Prognosis.
10. a) The replacement or refill of a medication prescribed to the Person Insured before the Effective Date, whether due to loss, renewal, or insufficient supply, unless expressly provided as a benefit herein.
b) The purchase of drugs and medications, including vitamins, that are commonly available without a prescription or those that are not legally registered and approved in Canada.
11. Except as otherwise expressly provided herein:
a) Treatment, investigation, or Hospitalization for a Recurrence.
b) Continuing Treatment or rehabilitative care of a Sickness or Injury after the Medical Director has determined that the Emergency has ended.
12. Childbirth, miscarriage, deliberate termination of pregnancy, routine prenatal care, or any complications related to pregnancy or childbirth.
13. For Persons Insured under 2 years of age on the Effective Date, any Sickness related to a birth defect.
14. Any psychiatric, psychological, mental, nervous, or emotional disorders; the misuse of medication; drug abuse; or intoxication; any Sickness related to and/or induced by alcohol, medication, drug, or toxic substance abuse; any Injury related to and/or induced by excessive alcohol consumption (determined by a blood-alcohol level in excess of
80 milligrams per 100 milliliters of blood); or the Treatment thereof.
15. Suicide or attempted suicide, or self-inflicted Injury, regardless of the Person Insured’s state of mind.
16. Any loss, Sickness or Injury arising from civil disorders, war or acts of war, whether declared or not, or willful exposure to peril, except in cases where the exposure was in an attempt to save human life.
17. Any loss, Sickness or Injury arising from or in connection with the Person Insured committing or attempting to commit any illegal activity under any applicable law, whether or not charged or convicted of such offence;
18. Any loss, Sickness or Injury arising from or in connection with air travel, except when the Person Insured is a passenger in a commercial aircraft with a seating capacity of six people or more that is licensed to carry passengers for hire.
19. Any loss, Sickness or Injury arising from or in connection with an automobile accident if You are or the Person Insured is entitled to benefits under an automobile insurance policy, including but not limited to no-fault benefits, or under an applicable Insurance Act, in accordance with the “Coordination of Benefits” provision in the General Terms & Conditions of this Policy.
20. Any loss, Sickness or Injury arising from or in connection with a Person Insured participating in sanctioned competitive sports, professional sports, aerobatic or stunt flying, hang gliding, mountaineering, skydiving, parachuting, bungee jumping, scuba diving without proper certification, extreme fighting, and any racing or speed contests.
21. Treatment or surgery for a Pre-Existing Condition for which a Physician had advised the Person Insured not to travel.
22. Treatment for any Sicknesses contracted in a country before the Effective Date when a written formal notice was issued by the Canadian government advising Canadians not to travel to that country, region, or city.
23. Any loss, Sickness or Injury arising from the Person Insured not complying with prescribed medical therapy or Treatment.
24. Major medical or surgical procedures unless they are approved in advance by the Medical Director. This includes, without limitation:
a) Cardiac catheterization, angioplasty, and/or cardiovascular surgery, including associated diagnostic tests or charges,
b) Magnetic resonance imaging (MRIs), computerized axial tomography (CAT) scans, sonograms, ultrasounds, or biopsies.
This exclusion will not apply if the Person Insured’s condition prevents You or the Person Insured from seeking approval in advance by the Medical Director or if such procedures are Medically Necessary as part of an Emergency Treatment protocol determined by the attending Physician, and You or the Person Insured contact the Company as soon as it is medically possible.
25. Surgery to correct vision or hearing, except when caused by an Injury.
26. Services provided by a naturopath or services provided in a convalescent home, nursing home, rehabilitation centre, or health spa.
27. Any loss relating to damage to or loss of hearing devices, optometrist services, eye examinations, eyeglasses, sunglasses, contact lenses, or prosthetic teeth or limbs, and the resulting prescriptions thereof.
28. Emergency transportation by airplane (regular flight, private flight or air ambulance) and presence of a medical attendant, unless approved in advance by the Medical Director.
29. Expenses for which no charge would typically be incurred in the absence of insurance, expenses that exceed the Reasonable and Customary charges for the region where the services were provided, or any loss, Sickness or Injury if the expense is incurred in the Person Insured’s Country of Residence.
30. Any loss or expense for which a claim was made involving fraud or deliberate misstatement or concealment.
Except in respect of the Accidental Death Coverage, the contract will not provide any coverage, and no payments will be made, for any loss or expense insured by other existing insurance coverages, including but not limited to, a Government Health Insurance Plan or a private plan, as further described in the “Coordination of Benefits” section of the General Terms & Conditions of this Policy.
If a Person Insured is covered under more than one travel insurance contract underwritten by the Company and the total amount of insurance in respect of the Person Insured exceeds $200,000, the Company’s aggregate liability for all contracts with the Company under which the Person Insured is covered will not exceed $200,000 and any excess insurance will be void and the premiums paid for such excess insurance will be refunded.
Benefits are not payable under the contract and will terminate on the commencement of, any period during which You are or a Person Insured is serving a sentence for a criminal offence and are confined in a prison or other place of detention, including but not limited to, a mental institution, a halfway facility, or private residence (under house arrest).
This contract provides no coverage and the Company shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such coverage, payment of such claim or provision of such benefit would expose the Company to any trade or economic sanctions, or cause the Company to be non-compliant with any applicable laws or
regulations of Canada.
Trident Global Assistance has the authority to transfer the Person Insured to a different Hospital, provided they are medically fit for such a transfer, or to arrange transportation to return them to their Country of Residence following an Emergency. If the Person Insured chooses not to be transferred to another Hospital or return to their Country of Residence when deemed medically fit to travel by the Medical Director, any ongoing expenses for Sickness or Injury will not be covered.
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.
