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 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 medical condition:
That was 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 Medical Condition
"Pre-Existing medical condition" means any medical condition that existed before the effective date.
Medical Condition
"Medical condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).
Stable:
A medical condition is considered stable when all of the following statements are true:
- there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
- there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
- the medical condition has not become worse, and
- there has not been any new, more frequent or more severe symptoms, and
- there has been no hospitalization or referral to a specialist, and
- there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
- there is no planned or pending treatment.
All of the above conditions must be met for a medical condition to be considered stable.
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:
A medical condition is considered stable when all of the following statements are true:
- there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
- there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
- the medical condition has not become worse, and
- there has not been any new, more frequent or more severe symptoms, and
- there has been no hospitalization or referral to a specialist, and
- there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
- there is no planned or pending treatment.
All of the above conditions must be met for a medical condition to be considered stable.
Medical Condition:
- "Medical condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).
Trip Cancellation / Interruption Benefits
- Up to $3,500 per insured per trip and $6,000 per policy 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 policy.
- 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 policy 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 policy 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 policyholder 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 policyholder 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 policyholder 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 policyholder 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.
You must call the Assistance Centre before obtaining emergency treatment, so that we may:
- confirm coverage
- provide pre-approval of treatment
If it is medically impossible for you to call prior to obtaining emergency treatment, we ask that someone call on your behalf. Otherwise, if you do not call the Assistance Centre before you obtain emergency treatment you will have to pay 20% of the eligible medical expenses we would normally pay under this insurance.
Read the certificate with particular attention to "pre-existing medical condition" and other exclusions that apply to the coverage.
The Scotia Travel Insurance certificate 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.