Multi Trip All Inclusive Travel Insurance for Canadians
Emergency Medical benefits up to $10 million to cover expenses for:
- Emergency treatment
- Paramedical services
- Ambulance transportation
- Emergency dental treatment
- Emergency medical evacuation home
- Repatriation of remains
- Bringing someone to your beside
- Return home of children in the care of the insured
- Return home of travel companion
- Additional expenses for meals and hotel
- Return home of vehicle
- Subsistence allowance
- Child care
- Return of excess baggage
- Phone call expenses
- Pet return
- Terrorism coverage
Conditions, limitations and exclusions apply.
To be eligible for insurance under this plan, an applicant must be at least 30 days of age, a resident of Canada and covered under a government health insurance plan.
Applicants age 60 or over need to complete the Medical Questionnaire to determine their eligibility and rate category.
- Can be completed up to 180 days prior to the effective date.
Eligibility and Rate Category
At the time of application, if the applicant is:
Under Age 60:
if you’re age 59 or younger, you automatically qualify for Rate Category A. You must confirm your eligibility to purchase this plan and you do not need to complete any medical questions to determine your rate category.
Over Age 60:
you need to complete the medical questionnaire to determine your eligibility and rate category.
Individual Medical Underwriting Plan for any age,
if you would like your pre- existing medical conditions to be covered with no stability requirements, you can apply for emergency medical coverage under Scotia’s Individual Medical Underwriting Plan. Simply call 1-877-372-2992.
You will need to be able to answer questions related to your medical condition(s).
Your cost will vary according to your specific health needs and circumstances.
When you pay the quoted premium for the Individual Medical Underwriting Plan, your pre-existing medical conditions will be covered during your trip with no stability requirement.
TRAVEL TIP: Be sure to review your all documents when you purchase the Scotia Individual Medical Underwriting Plan to ensure that all your medical conditions have been disclosed and that you have answered all questions truthfully and accurately. If you omit or inaccurately disclose any medical condition, you may not be covered for any condition in the event of a claim.
Rate category determines the duration of the pre-existing condition exclusion
| RATE CATEGORY | A | B | C |
|---|---|---|---|
| TIME PERIOD | 3 months | 6 months | 6 months |
Scotia Travel Insurance will not pay any expenses for Emergency Medical Insurance relating to a…
Pre-existing condition:
not stable in the time period before the effective date of your insurance.
Heart condition:
if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain.
Lung condition:
if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.
Pre-Existing Condition
"Pre-Existing condition” means a medical condition that existed before the effective date.
Medical Condition
"Medical condition" means sickness, injury, disease, or symptom; complication of pregnancy within the first thirty-one (31) weeks of pregnancy.
Stable – medical condition means all the following apply:
- there have not been any new symptom(s); and
- existing symptom(s) have not become more frequent or severe; and
- a physician has not determined that the medical condition has become worse; and
- no test findings have shown that the medical condition may be getting worse; and
- a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and
- a physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment; and
- there has been no admission to a hospital or referral to a specialty clinic or specialist; and
- a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.
Scotia Travel Trip Cancellation / Interruption Insurance will not cover any expenses or benefits relating to:
- any medical condition that was not stable in the three (3) months before the purchase date of this insurance, as shown on the confirmation.
Stable – medical condition means all the following apply:
- there have not been any new symptom(s); and
- existing symptom(s) have not become more frequent or severe; and
- a physician has not determined that the medical condition has become worse; and
- no test findings have shown that the medical condition may be getting worse; and
- a physician has not provided, prescribed, or recommended any new medication, or any change in medication; and
- a physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment; and
- there has been no admission to a hospital or referral to a specialty clinic or specialist; and
- a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.
Medical Condition:
- "Medical condition" means sickness, injury, disease, or symptom; or complication of pregnancy within the first thirty-one (31) weeks of pregnancy.
Trip Cancellation / Interruption Benefits
- Up to $3,500 per insured per trip and $6,000 per certificate for the Multi Trip All Inclusive plan.
Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event.
Highlights of some of the insured risks:
- Unexpected medical emergency or death of insured (or insured's travel companion)
- Unexpected medical emergency or death of insured's (or insured's travel companion's) immediate family or key person.
- Cancellation of a business meeting.
- Canadian Government issues a Travel Advisory regarding the travel destination.
- Travel visa not issued.
- The person whose guest the insured will be during trip has a medical emergency and is admitted to a hospital or dies.
- Missed connection.
This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:
- Up to $100 for replacement of a lost or stolen passport, driver's license, birth certificate or travel visa.
- Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is enroute. The maximum payable under the Multi Trip All Inclusive plan is $1,500 per certificate.
- Up to $300 per trip for any item or set of items to a maximum of $1,000.
*Other conditions, limitations and exclusions, apply. See the certificate for details.
Flight & Travel Accident Insurance covers the following benefits:
- If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
- If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
- If the insured has more than one accidental bodily injury during the trip, Manulife will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.
*Other conditions, limitations and exclusions, apply. See the certificate for details.
Effective Dates and Expiry Dates
Coverage starts on the later of:
Trip Cancellation coverage, on the later of:
- the effective date shown on the confirmation; or
- the date the certificate holder purchased their trip.
Emergency Medical coverage starts:
- each date you leave your province or territory of residence and
- each date you leave Canada on or after the effective date shown on your confirmation.
For all other coverages, on the later of:
- each date the certificate holder leaves their province or territory of residence;
- the effective date shown on the confirmation.
Coverage ends on the earliest of the following:
Trip Cancellation coverage, on the earlier of:
- the departure date;
- the date the certificate holder cancels their trip;
- the expiry date shown on the confirmation.
For all Multi Trip plans, Emergency Medical coverage ends on the earliest of:
- the date you return home;
- the expiry date, as stated on your confirmation; or
- when travelling outside Canada, coverage ends on the earliest of the maximum trip-length you purchased for each trip, as stated on your confirmation.
For all other coverages, on the earlier of:
- the date the certificate holder returns home;
- the expiry date shown on the confirmation.
Refunds and Cancellations are not permitted on any All-Inclusive plans.
- Premium rates are in $CDN per person.
- Rates are subject to change without notice.
- Premium due is based on:
- The rate category; and
- The age at the time of application;
- the trip length selected.
Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.
- Contact the Assistance Centre before receiving treatment while on a trip. Scotia Travel Insurance has a 20% co-insurance provision that may limit the benefits if a call is not received. In addition, specific covered eligible benefits may be limited or not covered if the Assistance Centre has not been contacted.
- Read the policy with particular attention to "pre-existing condition" and other exclusions that apply to the coverage.
- The Scotia Travel Insurance policy should be kept with you at all times when travelling. It includes telephone numbers in case of an emergency or if an extension is required.