Disclaimer, The following are general defintions or
explanations of common travel insurance terminology.
Contracts and wordings by individual Insurance
Companies supersede any explanation or inferences on this page. www.lifeinsurancebrokers.com
assumes no responsibility for accuracy or explanation of such terms
or conditions.
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Pre Existing Conditions
What is a pre-existing condition?
A pre-existing condition is a medical condition for which treatment
has been received or taken, or which exhibited symptoms which would lead
a reasonable person to believe or to make inquiries regarding whether treatment
was required, at any time prior to any effective date, purchase date or
departure date for any insured trip. This includes a medically recognized
complication or recurrence of a medical condition
Health Change
You must notify us if your health status or medication changes, between
the date you complete the application and any departure date or the effective
date of any top-up/extension. Otherwise, any material change in your health
status or medication that might lead to a change in the Guarantee of Coverage
decision may result in an amendment of your coverage or may render the
coverage null and void
Coverage in excess of Provincial Health Coverage
Travel Medical Insurance protects you from the potentially high costs
of emergency medical care in excess of what is covered by your provincial
health plan.
Who is eligible for Travel Insurance
you are a resident of Canada who is covered by a Provincial Health
Insurance Plan, and;
you are travelling outside your province of residence and have paid
the required premium.
with the Multi-Trip Annual Plan, you are not employed outside Canada
on a full or part time basis, unless you will be receiving Canadian wages
from a Canadian employer and the employment outside of Canada is less than
30 days during a one year period. You may pay a premium surcharge to have
this eligibility requirement removed. When a surcharge is paid, no written
confirmation is necessary and eligible claims will be paid according to
the terms and conditions of the coverage
If over 75
If you are 75 years of age or older at the trip start date, you need
to have your health history reviewed and receive written confirmation of
coverage. The advantage to you is that you will know -- before you leave
-- that you are fully covered. With other insurance companies, you might
find out too late that you are not covered for what you expected.
Annual Plan
Annual Plan" means coverage for an unlimited number of insured trips
of a duration of 15 days or 31 days within a continuous 365-day period
commencing from the effective date.
Common Carrier
"Common Carrier" means any land, air or water conveyance which is licensed
to transport passengers for hire, provided it maintains published timetables
and fares. Taxis, limousines and rental vehicles, however, are not considered
common carriers.
Departure date
"Departure Date" means the earlier of the date you (i) board your ticketed
transportation, or (ii) leave your province on an insured trip.
Dependent Child
"Dependent Child" means any unmarried child who is financially dependent
on you, who is at least 15 days of age on the departure date and (a) is
under age 21, (b) is under age 25 and enrolled in and attending full-time
in an accredited high school, college or university, or (c) is mentally
or physically disabled and less than 65 years old.
Effective Date
"Effective Date" means the date coverage begins, provided the appropriate
premium has been received by us, and is the latest of, i) the date indicated
on your confirmation letter or on your application form that is stamped
by a Broker or agent , or on your internet purchase confirmation page,
ii) the date indicated as the effective date on the application form, iii)
the date you first exit your province of residence. If coverage is purchased
after your departure date, emergency sickness-related benefits will become
effective 48 hours after the date and time the required premium is received
by the Company
Elective Treatment
Elective Treatment" means medical treatment, surgery or other procedures
scheduled by your physician to occur at a future date.
Emergency
"Emergency" means an unforeseen sickness or injury which requires immediate
treatment to prevent or alleviate existing danger to life or health. An
emergency no longer exists when the medical evidence indicates that you
are able to continue your trip or return to your province or Canada.
Expiry Date
"Expiry Date" means the date your coverage ends, on a Multi-Trip Annual Plan, which is 364 days after the effective date.
Extended Family
"Extended Family" means ,your spouse, your children, their spouse,
your parent(s) or guardian(s), your in-law(s), brother(s), sister(s), grandparent(s)
and grandchildren.
Hospital
"Hospital" means a facility equipped to perform surgery, on an emergency
in-patient and outpatient basis, and shall not include a nursing home,
rest home, convalescent home, rehabilitation centre, or home for the aged
Injury
"Injury" means sudden bodily harm directly caused by an accident, which
is independent of sickness and all other causes.
Insured
"Insured" means a person(s) who is eligible for coverage, and who is
and named on the application form, confirmation letter or internet confirmation
page, and for whom the required premium has been paid.
Insured Trip
"Insured Trip" means a trip on which you are travelling outside your
province and for which coverage is in effect. Coverage on a trip begins
on your departure date and ends on the earlier of the date, (i) you return
to your province, or (ii) the number of days of coverage you purchased
expires.
Medical Director
"Medical Director" means the medical doctor acting for the Company.
Physician
"Physician" means the Medical Director or a person, other than a relative,
who is legally qualified and licensed to practice medicine or perform surgery.
Pre-Existing Condition
"Pre-existing Condition" means a medical condition for which treatment
has been received or taken, or which exhibited symptoms which would lead
a reasonable person to believe or to make inquiries regarding whether treatment
was required, at any time prior to any effective date, purchase date or
departure date for any insured trip. This includes a medically recognized
complication or recurrence of a medical condition.
Province
"Province" means your province or territory of usual residence at the
time of application.
Reasonable and Customary Charges
"Reasonable and Customary Charges" are amounts that we believe are
not in excess of the standard charges for the level of care, services or
supplies usually given for similar cases in the place where the emergency
took place.
Recurrence
"Recurrence" means the appearance of symptoms caused by or related
to a medical condition which was previously diagnosed by a physician or
for which treatment was previously received.
Sickness
"Sickness" means illness or disease.
Spouse
"Spouse" means the person who is legally married to you or a partner
who has been living with you and who has publicly represented himself or
herself as your spouse for at least 12 months.
Stable and Controlled
"Stable and Controlled" means the medical condition is not worsening
and there has been no alteration in any medication for the condition or
its usage or dosage, nor any treatment prescribed or recommended or received
by a physician before the insured trip.
Terminal
"Terminal" means a medical condition for which, before the insured
trip, a physician gave a prognosis of eventual death or palliative care
was received.
Termination date
"Termination Date" means the date any coverage ends, being the earlier
of i) the date you return to your province, or (ii) the number of days
of coverage you purchased expires.
Travelling Companion
"Travelling Companion" is someone with whom you have common departure
and return dates, and trip destination.
Treatment
"Treatment" means a medical, therapeutic or diagnostic procedure prescribed,
performed or recommended by a physician, including but not limited to prescribed
medication, investigative testing and surgery. Treatment does not include
the unaltered use of prescribed medication for a medical condition which
is stable and controlled or a medical examination in which a physician
observes no change in a previously identified condition.
Unstable Condition
"Unstable Condition" means a sickness or injury, which would cause an ordinarily prudent person to expect the need for medical treatment or investigation following departure.
Vehicle
"Vehicle" means a private passenger automobile or mini-van.