先筛选，再逐条对比

官方未写／未核到（英文摘录待补）

180 days stable

or for which treatment has been prescribed or received in the 180 days before your effective date of insurance

whether or not diagnosed by a physician: a) for which you exhibited signs or symptoms; or

b) If you are 60 to 89 years of age on the effective date: … not stable at any time during the 180 days immediately before the effective date.

Pre-existing conditions which have not remained stable within the 180 days before the effective date of the Policy or the arrival date in Canada, whichever occurs later.

not stable in the 120 days prior to your effective date.

in the 182 days preceding your coverage start date.

If at the time of application, You are between sixty (60) and sixty-nine (69) years of age: Any Pre-Existing Medical Condition unless it was Stable in the one hundred and twenty (120) consecutive days immediately before the Effective Date

You must be stable based on the definition of stable in this policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical condition(s).

官方未写／未核到（英文摘录待补）

A heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 180 days before your effective date

in the 180 days before your effective date

For individuals aged 0-60, a 3-month stability period is required, while those aged 61 and older must have 6 months of stability.

For people aged 54 and under, during the 3 months preceding the effective date of coverage

if, at any time in the 90 days before you depart on your trip, your medical condition or related condition has not been stable.

a. Up to Age 69: Any sickness, injury or medical condition that was stable in the 90 days

官方未写／未核到（英文摘录待补）

For ages 80 and over on the start date, any pre-existing condition or medical condition that existed during the 180 day period immediately prior to your start date.

Any medical condition that exists on or before the effective date of the Policy.

70 to 85 years — Any medical condition which is not stable on or within the 180 days before the effective date of the Policy. 86 years and over — … 365 days before the effective date of the Policy.

any pre-existing condition;

any unstable condition if you are covered under the Enhanced Plan

Pre-existing medical conditions are NOT covered under the Standard or Basic plans regardless of whether they are stable or unstable.

Benefits are not payable for costs incurred due to any pre-existing condition.

Benefits are not payable for costs incurred due to or resulting from your medical condition or related condition that was not stable at any time during the 90 days immediately before the effective date.

Pre-existing conditions which have not remained stable within the 90 days before the effective date of the Policy or the arrival date in Canada, whichever occurs later.

Any sickness, injury or medical condition which is not stable in the 120 days prior to your effective date.

If you answered No to all of these questions: This exclusion doesn’t apply to you.

Option 1: Coverage for Stable Pre-Existing Medical Conditions.

GMS does not cover expenses resulting directly or indirectly from medical condition(s) which have not been stable for 180 days immediately prior to your effective date

1. Any pre-existing condition.

Any pre-existing condition that was not stable in the 180 days before your effective date

Any pre-existing condition that existed or for which medication is taken, received, prescribed, prescribed as needed, or for which treatment was prescribed or received in the 180 days before your effective date

you must meet stability requirements for any pre-existing conditions to be eligible for coverage.

Any medical condition that affects you and that is not stable

if, at any time in the 180 days before you depart on your trip, your medical condition or related condition has not been stable.

If you have selected and paid for Plan 2 as indicated on your Confirmation of Insurance

Pre-existing conditions or related medical conditions that existed during the 180 day period immediately prior to your start date

For ages 69 and under on the start date, any pre-existing condition or medical condition that was not stable during the 180 day period immediately prior to your start date.

We will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of any pre-existing medical conditions.

Pre-existing medical condition coverage (subject to stability period requirements)

or for which treatment has been prescribed or received before your effective date of insurance as stated on your policy

We will not cover any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.

that existed or for which medication has been taken, received, or prescribed (including prescribed as needed), or for which treatment has been prescribed or received in the 180 days before your effective date of insurance

This does not include regular medical check-ups where no medical signs or symptoms existed between check-ups or were found during the check-up.

Stable describes any medical condition or related condition, including any heart condition or lung condition, for which: a) there has been no new treatment

There has been no change in medical treatment or no alteration in any medication for the condition

All of the above conditions must be met for a medical condition to be considered stable.

If you answered Yes to one or more of these questions: Your injury or medical condition is considered unstable and isn’t covered.

All of the above conditions set forth from 1. through 7. must be met for a Medical Condition to be considered Stable.

a dosage adjustment for an anti-hypertensive or cholesterol lowering medication;

官方未写／未核到（英文摘录待补）

There has not been any change in medication, or any recommendation or starting of a new prescription drug ... There has been no hospitalization or referral to a specialist

Any pre-existing condition that existed or for which medication is taken, received, prescribed, prescribed as needed, or for which treatment was prescribed or received in the 180 days before your effective date

官方未写／未核到（英文摘录待补）

For a pre-existing medical condition to be considered stable, it must meet all the following criteria:

All of the above conditions must be met for a medical condition to be considered stable.

no new, more frequent or more severe symptoms

官方未写／未核到（英文摘录待补）

All of the above conditions must be met for a medical condition to be considered stable.

Any medical condition that exists on or before the effective date of the Policy.

There has been no change in treatment by a physician or other registered medical practitioner or any alteration in any medication related to the medical condition, and d There has been no new treatment received, prescribed or recommended

It is not recommended for those with pre-existing medical conditions.

any unstable condition if you are covered under the Enhanced Plan

Excludes coverage for pre-existing medical conditions

Your insurance contains pre-existing condition exclusions for travellers of any age.

Your insurance contains pre-existing condition exclusions for travellers of any age.

To be eligible to purchase this Optional Coverage, you must be 69 years and under at the time of the effective date of the Policy.

官方未写／未核到（英文摘录待补）

This exclusion applies even if your coverage has been approved, or if a doctor said you could travel.

Option 2: Any Pre-Existing Medical Conditions.

GMS does not cover expenses resulting directly or indirectly from medical condition(s) which have not been stable for 180 days immediately prior to your effective date

1. Any pre-existing condition.

Any pre-existing condition that was not stable in the 180 days before your effective date

Any pre-existing condition that existed or for which medication is taken, received, prescribed, prescribed as needed, or for which treatment was prescribed or received in the 180 days before your effective date

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

Pre-existing Medical Condition Exclusions:

there is no coverage for any sickness, injury or medical condition that existed prior to the effective date, other than:

Pre-existing conditions or related medical conditions that existed during the 180 day period immediately prior to your start date

Pre-existing conditions or related medical conditions as follows:

We will not be liable to provide coverage or services, or to pay claims for expenses incurred directly or indirectly as a result of any pre-existing medical conditions.

To be eligible to purchase this Optional Coverage, you must be 79 years and under … Exclusion Any pre-existing medical condition that is not stable on or within the 7 days before the effective date of this Policy.

No medical questionnaire is required

If you answer “Yes” to any question 1 through 5, you are eligible for either the Standard Plan or Basic Plan.

Not required

be in good health at the time you purchase your policy and on the date you exit your country of origin, and know of no reason to seek medical consultation during the period of coverage.

If you are ineligible for coverage, our only liability will be to refund any premium paid.

any claim will be subject to an extra deductible of $10,000 in addition to any other applicable deductible amount

you will be responsible for the first $5,000 of any claim, in addition to any deductible applicable to your policy.

If you provide incorrect or incomplete information, or make a false statement, we may cancel your coverage or deny your claim.

A failure to disclose or misrepresentation of any material fact by You, fraud or attempted fraud, either at the time of application or at the time of claim, shall render the entire contract null and void at the option of the Insurer

Any material misrepresentation, provision of incorrect information or non-disclosure of information, related to medical conditions, will result in non-payment of any related claims.

No medical questionnaire required

If you have been asked to complete a medical questionnaire and any of your answers are not accurate or complete, your policy will be voidable.

No medical questionnaire required

官方未写／未核到（英文摘录待补）

your policy will be voidable.

No medical questions asked

provided you have accurately answered no to all questions

If you do not meet the eligibility requirements listed above, your insurance is void and the company’s liability is limited to a refund of the premium paid.

If you do not meet the eligibility requirements, your insurance is void and the company’s liability is limited to a refund of the premium paid.

any incident claimed will be subject to an extra deductible of $15,000 CAD in addition to any other applicable deductible amount

If any of the answers from the rate qualification questions in the Medical Questionnaire are found to be incomplete or inaccurate … a A $15,000 CAD deductible will apply to any incident claimed, in addition to any other deductible

the waiting period is 72 hours;

The waiting period is 72 hours if the above circumstances occur within the first 30 days after your arrival date.

The waiting period is 72 hours if the above circumstances occur within the first 30 days after your arrival date.

Coverage for losses resulting from any sickness will begin 48 hours after the effective date

Coverage for losses resulting from any sickness will begin 48 hours after the effective date if you purchase your policy: a) after the expiry date of an existing Allianz Global Assistance administered policy; or b) after you exit your country of origin.

For Insurance purchased within 60 days after arrival in Canada: ... the first 48 hours from the effective date of the Policy. For Insurance purchased 61 days or more after arrival in Canada: ... the first seven days from the effective date of the Policy.

Any sickness or onset of new symptoms that occur during the first 48 hours following the effective date if you purchase this policy after your arrival in Canada.

If you purchase this insurance when you’re already in Canada or within 4 days before arriving in Canada: You’re not covered for any medical condition related to symptoms that first appeared on the day you purchased this insurance or during the 4-day period that immediately followed.

Seven (7) days after the Effective Date, if You purchase this insurance thirty (30) days or more after the date You depart from Your Country of Origin.

If uninsured and you apply within the first 30 days of arriving in Canada, coverage for injury begins on the effective date and a 2 day waiting period is applied to coverage for medical conditions, other than injury.

The waiting period is 72 hours if these circumstances occur within the first 30 days after your arrival date and you are age 85 or younger.

The waiting period is 72 hours if these circumstances occur within the first 30 days after your arrival date. The waiting period is 7 days if these circumstances occur 31 days or more after your arrival date.

The waiting period is 72 hours if these circumstances occur within the first 30 days after your arrival date. The waiting period is 7 days if these circumstances occur 31 days or more after your arrival date.

The plan is also available for purchase within 30 days of arrival, and coverage commences 72 hours following the date of application.

there is a waiting period of 3 days from the date of purchase.

This insurance is valid only if you have purchased it before your arrival in Canada or within 5 days after your arrival in Canada.

the 48-hour period following the effective date of the policy if insurance is purchased

7 days for a sickness if your start date is more than 30 days from your departure date.

7 days for a sickness if your start date is more than 30 days from your departure date.

For Insurance purchased 61 days or more after arrival in Canada: There is no coverage for any disease or illness arising in, occurring in or symptomatic in the first 7 days from the effective date of the Policy.

a For Insurance purchased within 60 days after arrival in Canada: There is no coverage for any disease or illness arising in … the first 48 hours … b For Insurance purchased 61 days or more after arrival in Canada: … the first 7 days

refund calculation will be subject to a $250 processing fee

refund calculation will be subject to a $250 processing fee

refund calculation will be subject to a $250 processing fee

There will be no refund of premium if a claim has been made.

There will be no refund of premium if a claim has been made.

A refund is available, subject to a $250 cancellation fee, provided no travel has taken place.

you request cancellation prior to the effective date and, if this policy was purchased as a requirement to obtain or maintain a Super Visa, you provide proof from Citizenship and Immigration Canada that your Super Visa was denied.

we have the right to apply cancellation fees only if you cancel your insurance more than 10 days after buying it.

subject to a $25 administration fee applied by Destination: Travel Group Inc. and a minimum refund of $25.

Refunds are not available when: a. a claim has been reported under this policy; or

If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund amount plus a file handling fee of $300 per claim will also be deducted. A denied claim will be subject to a file handling fee of $500 per claim.

If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund amount plus a file handling fee of $300 per claim will also be deducted. A denied claim will be subject to a file handling fee of $500 per claim.

If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund amount plus a file handling fee of $300 per claim will also be deducted. A denied claim will be subject to a file handling fee of $500 per claim.

Administrative fees of $25 per Policy are deducted from any refund, except for refund due to cancellation of the Policy before departure.

When a Visitors to Canada contract is cancelled, a $25 administrative fee is deducted from the refund.

Note: you must however pay the minimum premium for 7 days.

You may cancel this policy within 10 days of the

cancel your policy before your expiry date to return to Your home country ($50 fee will be deducted)

cancel your policy before your expiry date to return to Your home country ($50 fee will be deducted)

Refunds are not available if a claim has been or will be submitted.

Refunds are not available if a claim has been or will be submitted. … 1 A refund is available, subject to a $250 cancellation fee, provided no travel has taken place. … 2 If a Super Visa application was denied, withdrawn or cancelled, a full refund is available

Monthly Pay Option Yes, for $100K and up

Monthly Pay Option Yes, for $100K and up

The Monthly Payment Plan is restricted to

The total premium amount is due and payable at the time of application.

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

You have to pay the premium in a single payment.

Each installment premium includes an additional $10 fee and applies to each installment throughout the whole term of the Policy.

官方未写／未核到（英文摘录待补）

This insurance will be in effect only if the premium is paid in full at the time of application and on or before the policy effective date.

This insurance will be in effect only if the premium is paid in full at the time of application and on or before the policy effective date.

This insurance will be in effect only if the premium is paid in full at the time of application and on or before the policy effective date.

官方未写／未核到（英文摘录待补）

The insurance is valid only if it is purchased and the

官方未写／未核到（英文摘录待补）

If you have selected the Monthly Payment Option, monthly payment amounts will be calculated

If you select this option a $100 nonrefundable policy billing fee will be charged at the time of application.

If you select this option a $100 nonrefundable policy billing fee will be charged at the time of application.

Paid the premium in full for the selected coverages

官方未写／未核到（英文摘录待补）

the maximum number of combined days you can be covered in any other country before, during or after your visit to Canada must not exceed 30 days in total within a 365-day period

the maximum number of combined days you can be covered in any other country before, during or after your visit to Canada must not exceed 30 days in total within a 365-day period

the maximum number of combined days you can be covered in any other country before, during or after your visit to Canada must not exceed 30 days in total within a 365-day period

Costs incurred outside of Canada other than in your country of origin are covered provided the majority of the period of coverage is spent in Canada.

Costs incurred outside of Canada other than in your country of origin are covered provided the majority of the period of coverage is spent in Canada.

Travel worldwide during the period of coverage is valid as long as the majority of the period of coverage is spent in Canada.

this temporary visit must not exceed 49% of the trip’s total duration.

The duration of the side trip and all side trips combined is less than half of the duration of your visit to Canada

the majority of the Coverage Period is spent in Canada (at least fifty- one percent (51%) of Your Trip).

Coverage for side trips up to 30 days or less in duration, outside of Canada that: a. originate and terminate in Canada; and b. are not greater than 50% of your period of coverage.

does not exceed the lesser of the following: • 30 days per policy • 49% of your total number of coverage days as stated on your policy confirmation.

does not exceed the lesser of the following: • 30 days per policy • 49% of your total number of coverage days as stated on your policy confirmation.

does not exceed the lesser of the following: • 30 days per policy • 49% of your total number of coverage days as stated on your policy confirmation.

官方未写／未核到（英文摘录待补）

In addition, the total duration of all side trips undertaken during the covered period must not exceed 49% of the contract term.

The time you spend in Canada covered under this policy must be greater than the time you spend on your side trip.

A minimum of 51% of your coverage period must be spent in

Each side trip is restricted to a maximum of 45 days.

Each side trip is restricted to a maximum of 45 days.

Side-trips for travel outside of Canada (including visits to your country of permanent residence) are permitted and your Policy will not terminate, however, expenses will not be covered while travelling outside of Canada.

Travel worldwide during the period of coverage is valid as long as the majority of the period of coverage is spent in Canada and you have travelled to Canada first … expenses will not be covered while in your country of permanent residence.

Direct billing of covered expenses, where possible

Direct billing of covered expenses, where possible

Direct billing of covered expenses, where possible

Allianz Global Assistance will attempt to arrange direct billing with the medical facility whenever possible.

Allianz Global Assistance will attempt to arrange direct billing with the medical facility whenever possible.

emergency medical expenses will be guaranteed where possible relieving claimant of credit responsibilities.

官方未写／未核到（英文摘录待补）

We’ll pay any amount payable to the contract holder (the person who bought the insurance contract), or to the care or service provider if the charges haven’t been paid.

The Assistance and Claims Administrator will arrange direct billing directly with a Hospital, clinic, or Physician whenever possible

GMS reserves the right to negotiate amounts payable on your behalf with any service provider who renders services under your policy. Payments will be provided directly to the service provider.

we reimburse you according to reasonable and customary charges that we would have paid directly to the provider.

we reimburse you according to reasonable and customary charges that we would have paid directly to the provider.

we reimburse you according to reasonable and customary charges that we would have paid directly to the provider.

官方未写／未核到（英文摘录待补）

Blue Cross Travel Assistance will refer you to an appropriate facility and, when required, funds may be advanced to the hospital.

provide confirmation of coverage and pay your eligible medical expenses directly to the recommended medical service provider

Direct Billing — Whenever possible, MSH Assistance will instruct the hospital or clinic to bill

we will arrange, to the extent possible, to have any medical expenses billed directly to the company.

we will arrange, to the extent possible, to have any medical expenses billed directly to the company.

In the event of hospitalization, call us immediately

官方未写／未核到（英文摘录待补）

Our Assistance Centre is there to assist you

Our Assistance Centre is there to assist you

Our Assistance Centre is there to assist you

If you fail to do so without reasonable cause, then we will pay 80% of the claim payable.

you must notify Allianz Global Assistance within 24 hours of admission to a hospital and before any surgery is performed.

Our emergency claims team is always ready to help 24 hours a day, 365 days a year anywhere in the world.

CAA Assistance is available 24 hours per day, 365 days per year.

If you can’t prove that you were unable to contact the Assistance Service, you’ll have to pay 30% of the eligible expenses, up to a maximum of $3,000.

The Assistance and Claims Administrator can be reached twenty-four (24) hours a day and seven (7) days a week

You are required to contact GMS Travel Assistance within 24 hours of receiving medical treatment or admission to hospital.

In an emergency, contact the Assistance Centre immediately. They are available 24 hours a day, every day of the year.

In an emergency, contact the Assistance Centre immediately. They are available 24 hours a day, every day of the year.

In an emergency, contact the Assistance Centre immediately. They are available 24 hours a day, every day of the year.

Failure to contact Medi-Assist in the event of medical consultation or hospitalization following an accident or sudden Illness could result in refusal of the compensation requested.

you must inform Blue Cross Travel Assistance before going to a hospital or to a clinic, otherwise, your claim may be denied.

Call Allianz Global Assistance — 24/7 Help

professional assistance personnel are

Plans are supported by 24/7 worldwide multilingual travel assistance

Plans are supported by 24/7 worldwide multilingual travel assistance

If we are not contacted within 48 hours of hospitalization, your maximum amount payable for the hospitalization and all related expenses will be reduced to 80% of your expenses otherwise covered under this Insurance.

In the event of hospitalization, call us immediately

Dental Accident and Relief of Dental Pain not included

Emergency Dental - up to $4,000 for treatment to natural teeth

Emergency Dental - up to $4,000 for treatment to natural teeth

Benefits are not payable for costs incurred due to dental or cosmetic surgery.

up to $4,000 for emergency treatment or services to whole or sound natural teeth … up to $500 for the immediate relief of acute dental pain

up to a maximum limit of $600. All treatment must be completed within 90 days after the treatment began.

to a maximum of $2,000, provided you consult a physician or dentist immediately following the injury

Treatment for pain. Maximum of $300 per insured person for the entire contract duration.

The Insurer agrees to pay up to $500 for the immediate relief of acute dental pain caused by a dental Emergency other than a direct blow to the face.

to a maximum of $2,000 per person. Expenses for medical treatment of the relief of dental pain, to a maximum of $300.

No coverage for dental benefits

Up to $4,000 for treatment to natural teeth and repairs to dentures or other dental devices if such treatment is necessitated by a direct unintended or unexpected blow to your face.

Up to $4,000 for treatment to natural teeth and repairs to dentures or other dental devices if such treatment is necessitated by a direct unintended or unexpected blow to your face.

only when natural and healthy teeth, which have had no previous treatment, are damaged, or to reduce a fracture or dislocation of the jaw.

up to $2,000 per accident and per insured person.

if you need other emergency dental treatment, you are covered for the emergency dental expenses you incur during your trip, up to a maximum of $300

up to $1,000 ($3,000 for Enhanced plan) to repair or replace whole or sound natural

not related to an accidental injury up to a maximum of $300, per occurrence.

Treatment to relieve acute pain and suffering not related to an accidental injury up to a maximum of $600 per occurrence.

Eligible medical and related expenses are described below.

Up to a maximum of $6,000 for dental expenses … for an accidental blow to the face … b Up to a maximum limit of $600 for dental expenses … for any dental emergencies other than pain caused by an accidental blow

Accidental Death and Dismemberment not included

i) up to $50,000 if an injury causes you to die, to become completely and

i) up to $50,000 if an injury causes you to die, to become completely and

Included in the overall maximum

We agree to pay up to a maximum of the sum insured indicated on your confirmation of coverage, for loss of life, limb or sight resulting directly from accidental injury, occurring during the period of coverage, except while boarding, riding in, or alighting from an aircraft.

24/7 Travel Accident Coverage: Maximum sum insured $25,000.

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

The Insurer agrees to pay up to the maximum sum insured selected at the time of application, not to exceed $150,000, for loss of life, limb, or sight

官方未写／未核到（英文摘录待补）

No accidental death & dismemberment benefit

Up to $25,000 if an injury causes you to die, to become completely and permanently blind in both eyes, or to have 2 of your limbs fully severed above your wrist or ankle joints, within 365 days of the accident.

Up to $25,000 if an injury causes you to die, to become completely and permanently blind in both eyes, or to have 2 of your limbs fully severed above your wrist or ankle joints, within 365 days of the accident.

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

Principal Sum: Travel Accident $25,000

The insurer agrees to pay up to $50,000, for loss of life, limb or sight of an insured person resulting

Accidental Death & Dismemberment N/A

limited to an aggregate amount of $100,000.

Eligible medical and related expenses are described below.

24-Hour Accident Insurance: Maximum limit — $25,000 … 24-hour Accident Death or dismemberment as a result of an accident sustained during the period of coverage in any other situation not specifically mentioned under Air Flight/Common or Chartered Carrier

The minimum age under this policy is 30 days.

The maximum age under this policy is 85 and the minimum age is 30 days.

The maximum age under this policy is 85 and the minimum age is 30 days.

be at least 15 days old and not more than 89 years old

be at least 15 days old and not more than 89 years old

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

Be at least 15 days old

are at least fifteen (15) days old

Newborns are eligible for coverage under this plan 48 hours after release from hospital.

minimum age under this policy is 30 days.

the minimum age is 30 days

the minimum age is 30 days

官方未写／未核到（英文摘录待补）

between 31 days and 79 years of age at the time of purchase

One-month-of-age – 31 days after birth, provided birth occurred after a gestation period of at least 38 weeks.

be at least 15 days of age and less than 90 years of age

You must be over 14 days old and under 86 years of age during the entire Period of Coverage.

You must be over 14 days old and under 86 years of age during the entire Period of Coverage.

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

No Age Limit

The maximum age under this policy is 85 and the minimum age is 30 days.

The maximum age under this policy is 85 and the minimum age is 30 days.

be at least 15 days old and not more than 89 years old

be at least 15 days old and not more than 89 years old

官方未写／未核到（英文摘录待补）

Age 85 for sum insured $25,000, $50,000 or $100,000.

Be 84 or younger on the day they leave for Canada.

官方未写／未核到（英文摘录待补）

are 80 years of age or older on the policy effective date;

Apply at any age

The maximum age under this policy is 85 and the minimum age is 30 days.

The maximum age under this policy is 85 and the minimum age is 30 days.

This plan is available to anyone up to the age of 79.

between 31 days and 79 years of age at the time of purchase

one-month-of-age or older and under 85 years of age and have purchased our Visitors Plan I or II

be at least 15 days of age and less than 90 years of age

You must be over 14 days old and under 86 years of age during the entire Period of Coverage.

You must be over 14 days old and under 86 years of age during the entire Period of Coverage.

Available up to age 79

Available for all ages

i) if age 86 or older, the waiting period is 15 days.

If you are age 60 to 85, the Enhanced Plan is available to you if you satisfy the Eligibility requirements, truthfully and accurately answer

If you are age 60 to 85, the Enhanced Plan is available to you if you satisfy the Eligibility requirements, truthfully and accurately answer

The premium is calculated using the most current rates for your age on the effective date

If you are 59 years of age or under on the effective date … If you are 60 to 89 years of age on the effective date

Applicable to Insureds 70 Years and Over (on the effective date) Any pre-existing conditions.

官方未写／未核到（英文摘录待补）

官方未写／未核到（英文摘录待补）

If at the time of application, You are between seventy (70) and seventy- nine (79) years of age

Between 70 and 79 years of age You must answer “no” to all questions for applicants between 55 and 69 years of age, PLUS the following question.

The waiting period is 15 days if you are age 86 or older.

If you are age 54 or under, we do not require a medical declaration. If you are age 55 to 85, this coverage is available to you if you truthfully and accurately answered No to all questions on the medical declaration

官方未写／未核到（英文摘录待补）

For individuals aged 0-60, a 3-month stability period is required, while those aged 61 and older must have 6 months of stability.

For people aged 55 to 79, during the 6 months preceding the effective date of coverage

If you are 71 years of age or older and under 85 years of age:

b. Age 70–84: Any sickness, injury or medical condition that was stable in the 180 days

Ages 70 to under 86 years of age during the entire Period of Coverage may only purchase plan limits up to $100,000.

Ages 70 to under 86 years of age during the entire Period of Coverage may only purchase plan limits up to $100,000.

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59 years and under … 90 days … 60 to 69 years … 120 days … 70 to 85 years … 180 days … 86 years and over … 365 days

Coverage limits from $15,000 to $200,000

Coverage limits from $15,000 to $200,000

Coverage limits from $15,000 to $200,000

Emergency Hospital & Medical Up to the sum insured you choose $100,000

Choose from sum insured amounts of $25,000, $50,000, $100,000 or $500,000.

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Coverage maximum up to: $25,000, $50,000, $100,000 or $150,000 for Visitors to Canada Insurance

Insurance amount $100,000 $150,000 $300,000

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Depending on your needs, you can choose coverage for medical expenses of $25,000, $50,000, $100,000, or $150,000.

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

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Choice of $50,000, $100,000 or $150,000*

Medical and Other Benefits $25,000* $50,000* $150,000*

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$25,000, $50,000, $100,000, or $150,000

$25,000, $50,000, $100,000, or $150,000

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What are the maximum emergency medical insurance amounts available for visitors to Canada? You can choose one of the following amounts of coverage: $10,000 $25,000 $50,000 $100,000 $200,000 $300,000 $500,000

Maximum Coverage $200,000 $200,000 $200,000

Maximum Coverage $200,000 $200,000 $200,000

Maximum Coverage $200,000 $200,000 $200,000

$100,000

$25,000, $50,000, $100,000 or $500,000

Get covered for emergency medical services up to a coverage limit of $300,000 CAD.

Age 69 for sum insured $150,000.

Insurance amount $100,000 $150,000 $300,000

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With deductibles as low as $0 and insurance up to $150,000, the choice is yours.

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

Emergency medical coverage up to $15,000, $25,000, $50,000, $100,000, $150,000, or $200,000

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*only available to those 74 years old or under

Up to $150,000

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Regardless of how many valid Visitors to Canada policies you have purchased with the company, the maximum amount for which you can be covered is limited to $150,000.

Regardless of how many valid Visitors to Canada policies you have purchased with the company, the maximum amount for which you can be covered is limited to $150,000.

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$300,000 $500,000 For Canadians travelling abroad, the limit is $10M.

A wide range of deductibles from $0 to $10,000

the deductible amount is waived and eligible expenses will be reimbursed back to the first dollar

the deductible amount is waived and eligible expenses will be reimbursed back to the first dollar

Deductible amount $0.00 CAD per insured

Visitors to Canada Travel Insurance - $500,000 with deductible … Deductible amount $500.00 CAD per insured

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If you can’t prove that you were unable to contact the Assistance Service, you’ll have to pay 30% of the eligible expenses, up to a maximum of $3,000.

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Deductible of $100 – save 5%. With a $250 deductible save 10%, with a $500 deductible save 15%, with a $1,000 deductible save 20%, with a $5,000 deductible save 35% and with a $10,000 deductible save 40%.

Deductible of $100 – save 5%. With a $250 deductible save 10%, with a $500 deductible save 15%, with a $1,000 deductible save 20%, with a $5,000 deductible save 35% and with a $10,000 deductible save 40%.

Deductible of $100 – save 5%. With a $250 deductible save 10%, with a $500 deductible save 15%, with a $1,000 deductible save 20%, with a $5,000 deductible save 35% and with a $10,000 deductible save 40%.

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(Deductible per person per claim) $50 $50 No deductible

Deductible means the amount (if applicable), in Canadian dollars

$10,000 (-45%)

$10,000 (-45%)

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responsible for paying per claim per insured before our obligation to reimburse

responsible for paying per policy per insured before our obligation to reimburse

responsible for paying per policy per insured before our obligation to reimburse

The deductible will apply once during the period of coverage.

Deductible amount $500.00 CAD per insured

The deductible applies per insured, per condition or event.

per insured, per covered condition or event.

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The Deductible amount (if any) is shown on Your Coverage Confirmation and applies to each claim.

The deductible is applied to each claim.

the amount of eligible expenses that you are responsible for paying per claim per insured before our obligation to reimburse any eligible expenses begins. ... The deductible amount is shown on your policy confirmation and applies per policy per insured.

the amount of eligible expenses that you are responsible for paying per claim per insured before our obligation to reimburse any eligible expenses begins. ... The deductible amount is shown on your policy confirmation and applies per policy per insured.

the amount of eligible expenses that you are responsible for paying per claim per insured before our obligation to reimburse any eligible expenses begins. ... The deductible amount is shown on your policy confirmation and applies per policy per insured.

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The deductible applies to the entire duration of the contract and per insured person.

deductible of $50 per person and per claim

applies once per insured person, per covered emergency.

Deductible means the amount of covered expenses per emergency, under the emergency medical section of this policy that you are responsible for paying

Deductible means the amount of covered expenses per emergency, under the emergency medical section of this policy that you are responsible for paying

per insured per incident claimed

We will pay eligible expenses for losses incurred in excess of the amount of the deductible as shown on the Policy declaration, per insured per incident claimed.

all of which meet the requirements of the PG-1 Super Visa

all of which meet the requirements of the PG-1 Super Visa

all of which meet the requirements of the PG-1 Super Visa

Super Visa applicants – meets all Super Visa requirements at a lower cost than a standard Visitors to Canada plan.

Meets the health insurance requirements for the Super Visa for parents and grandparents.

Applicable to 365-day Policies with a sum insured of $100,000 or more (Super Visa Policies):

if this policy was purchased as a requirement to obtain or maintain a Super Visa, you provide proof from Citizenship and Immigration Canada that your Super Visa was denied.

Type of traveller * Immigrant Foreign worker International student Canadian citizen Super visa applicant

Destination: Canada Visitors Plan is designed to protect visitors to Canada, Super Visa applicants, newly landed immigrants, migrant workers, and returning Canadians.

Our $100,000 and $150,000 policies give you the coverage needed to qualify.

meets the requirements for the parent and grandparent super visa

meets the requirements for the parent and grandparent super visa

meets the requirements for the parent and grandparent super visa

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Yes, we offer Visitors to Canada insurance that meets Super Visa requirements, with coverage options of $50,000, $100,000, or $150,000.

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Secure Travel has specially designed Emergency Medical Insurance plans

Our plans can be used as super visa insurance, if you buy them according to Canadian government requirements.

Our plans can be used as super visa insurance, if you buy them according to Canadian government requirements.

Applicable to Super Visa Applicant/Holder Refund Requests Only

Refunds for policies with a 365-day trip length or longer with a sum insured of $100,000 or more … Applicable to Super Visa Applicant/Holder Refund Requests Only

Coverage will not be issued for more than 365 days at a time.

Coverage will not be issued for more than 365 days at a time.

Coverage will not be issued for more than 365 days at a time.

the maximum period of coverage cannot exceed 365 days

Trip Duration: Up to 365 days

Applicable to 365-day Policies with a sum insured of $100,000 or more (Super Visa Policies):

Maximum duration: 365 trip days

must last a maximum of 365 days.

The maximum Coverage Period per Trip cannot exceed one (1) year.

The maximum number of days that may be purchased per policy is 365 days.

Coverage will not be issued for more than 365 days at a time.

Coverage will not be issued for more than 365 days at a time.

Coverage will not be issued for more than 365 days at a time.

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than the 366 days allowed per contract

Regardless of the automatic extensions above, coverage will not continue beyond 365 days from your effective date.

The maximum coverage period under this plan is 365 days per policy.

Coverage cannot be extended beyond 558 days from your original start date.

Coverage cannot be extended beyond 558 days from your original start date.

Extensions are not available if total trip length exceeds 2 years from the effective date of the original Policy.

Extensions are not available if total trip length exceeds 2 years from the effective date of the original Policy.

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Note: The minimum premium is $20 per policy.

Duration: 7 days to 18 months

Duration: 7 days to 18 months

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be at least 15 days old, b) be a Canadian resident and be in

官方未写／未核到（英文摘录待补）

Minimum age Be at least 15 days old* 2. Maximum age Be under

be at least thirty (30) days of age; • not have been advised

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官方未写／未核到（英文摘录待补）

at the time the coverage is purchased, be 65 years of age or older; • purchase your coverage before

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官方未写／未核到（英文摘录待补）

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Maximum age Be under age 81 3. Residency status Be legally a

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We provide travel coverage to people of any age. However, persons 61 and older may be required to complete a Health Declaration form as part of their application. If you're a visitor to Canada and want to apply for health coverage

days outside of Canada if you have purchased the 60-Day option (available to persons under 80 years of age only). The consecutive days for travel outside of Canada include your date of depa

Available for all ages as a Single Trip or Multi Trip Annual plan, this travel medical insurance is ideal for Canadian residents travelling

Comprehensive Multi-trip Package 15 day Travel wit

When travel is outside of Canada, coverage is limited to the maximum number of days selected. The trip duration begins on the date you leave Canada and terminates when you return to Canada. The wordin

Your insurance must cover you for the whole time you’ll be away for each trip you take. If not, you won’t be covered at all for your trip. All trips start the day you leave your home province or territory and end the day you come

官方未写／未核到（英文摘录待补）

the total trip length cannot exceed the maximum number of days allowed by Your Government Health Insurance Plan, or 212 days. Extensions are calculated using th

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60 consecutive days outside of Canada if you have purchased the 60-Day option (available to persons under 80 years of age only). The consecutive days for travel outside of Canada include your date of

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The maximum duration of each trip cannot exceed the number of days shown on your Confirmation of Coverage and begins the date you exit Canada. Trips within Canada are covered up to the maximum number of days allowed by your provin

You may travel as many times as you wish during the period of coverage provided that no one trip exceeds the maximum number of days as specified and contracted for at the time of application. Coverage commences at the time and on the date of each departure fro

Your Multi-Trip Annual Insurance contract will be renewed each year. We’ll advise you in writing at least 30 days before each renewal. If you don’t want to rene

MULTI-TRIP PLANS • Provide coverage for an unlimited number of trips taken within one (1) year, commencing with the effective date as shown on your confirmation. • Provide you with emergency medical coverage for an unlimited number of days of travel within Canada but outside your province or territory of residence. • Each trip taken outside of Canada can be up to the maximum nu

4 SEASON ANNUAL PLAN 23-day and 33-day options available – BOTH include up to 182 days in Canada. Any trip can be extended, including your main winter getaway. Apply only once and travel an unlimited number of trips within the year, up to 23 or 33 days, respectively. Coverage for any trip can

With one purchase our Annual plans cover all of your travels for an entire year in the most cost-effective way. So, whether you are visiting family in another province, heading out on an international

IMPORTANT Your TravelCare Medical Multi-Trip annual plan terminates at the end of each 365 day period and you must apply for new coverage. U

Multi Trip Annual This Policy begins at 12:01 AM on the effective date of the Policy and continues in force for a period of one year from the effective date of the Policy. You may travel as many times as you wish during the period of coverage provided that no one trip exceeds the maximum number of days as specified and

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23-day and 33-day options available – BOTH include up to 182 days in Canada. Any trip can be extended, including your main winter getaway. Apply only once and travel an unlimited number of trips

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9 consecutive days outside of Canada if you have purchased the 9-Day option; or • 16 consecutive days outside of Canada if you have purchased the 16-Day option; or • 30 consecutive days outside of Canada if you have purchased the 30-Day option (available to persons under 80 years of age only); or Un

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be a Canadian resident and be insured for benefits under a Canadian government health insurance plan during the entire Coverage Period, For Trip Cancellation coverage: Coverage is provided for your tr

Any medical and related expenses in excess of $50,000, if you are not covered by a provincial or territorial government health care plan at the time your claim occurred. 13) Any condition(s) for which

You must be covered under the health and hospitalization insurance plans of your home province or territory for the whole time you’ll be away for each trip you take (it’s up to you to make sure that you’re insured under the govern

be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip; • be at least thirty (30)

You must be covered under the Government Health Insurance Plan of the Canadian province or territory in which You reside. Family coverage is available to You (if under age 56), Your Spouse and Your Children. All family m

At the time of application and during the whole Period of coverage, all Covered persons must be covered under the Government health plan of their province/territory of residence. Conditions particular to this benefit The following

This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage at the time of claim. 5 When does your cove

Any medical and related expenses in excess of $50,000, if you are not covered by a provincial or territorial government health care plan at the time your claim occurred. 23 A medical condition for which symptoms arose or worsened

The benefits and coverage are available to you worldwide other than in your home province or territory of residence. Some benefits are subject to lower maximums

Worldwide (Non-US) Travel Covers international travel to any destination outside the US, including transit through the US for up to 5 days. It’s the most cost-effective choice if you're not travelling

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官方未写／未核到（英文摘录待补）

All of the benefits are in U.S. dollars unless otherwise indicated. 1. Hospital/Medical/Ambulance Expenses: (a) H ospital room and

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Coverage is limited to an eligible person who is travelling outside of Canada for any number of trips for a maximum of: • 9 consecutive days outside o

For policies providing Emergency Medical coverage for travel worldwide excluding USA, coverage is limited to travel outside the USA except for: a Flight stopovers or flight layovers in the USA up to 48 hours; or, b Transit through the USA by car, van, truck, recreational vehicle, motorcycle, bus or train for up to 5 days to your

Pre-existing Medical Conditions apply to Emergency Medical, Trip Cancellation and Trip Interruption coverages only. Expenses that are due to, contributed by, or resulting from pre-existing medical conditions, may qualify for coverage, if your pre-existing medical condition meets the stability period that applies to you. All excl

Applicable to Insureds 59 Years and Under (on the effective date) Pre-existing conditions including minor ailments, which have not remained stable within the 90 days before the date of departure. Travel Emergency Medical Insurance

you may not be covered for an injury or a medical condition that is not stable in the 90- or 182-day period before you leave on your trip, as follows: If you’re under 55 90 days To find out if your health is not stable,

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing medical condition exclusion applies. Rate Category A. We will not pay any expenses relating to: • a pre-existing medical condition t

Any Pre-Existing Condition that was not Stable and Controlled in the 90 days prior to the Effective Date of Insurance or Your Trip Start Date. This includes any reaction that results from a change in medication prescribed for such

Coverage for pre-existing conditions—As long as your pre-existing condition meets a minimum stability period you can receive full protection. Plan Highlights: Basic Plan Coverage Our base plan covers

EXCLUSION 1 – TRAVELCARE GOLD This insurance does not pay for any expenses incurred directly or indirectly as a result of: 1 Your medical condition or related condition (whether or not the diagnosis has been determined) if, at any

Medical conditions that do not meet the stability criteria set out above are not covered. Travel Within Canada Plans There is no stability requirement for pre-existing medical conditions. Refer to the

If you are age 65 or older on your effective date: Pre-existing medical conditions that are stable for 150 days before the effective date qualify for coverage, up to the Sum Insured shown on your Confirmation of Coverage. REMEMBER : Your stability is assessed before each trip you take during the Cov

Applicable to Insureds 60 Years and Over (on the effective date) Pre-existing conditions including minor ailments, which have not remained stable within the 180 days before the date of departure. Pre-existing conditions that do not meet the stability requireme

In the 182 days right before your departure or 90 days if you’re under age 55… In the 90 days right before you made an initial payment (partial or total) for your trip… Symptoms Did you have new sympt

Rate Categories B and C. We will not pay any expenses relating to: • a pre-existing medical condition that is not stable in the six (6) months before your effective date; and/or • your heart condition if, in the six (6) months before your effective date, any h

Any Pre-Existing Condition that was not Stable and Controlled in the 90 days prior to the Effective Date of Insurance or Your Trip Start Date. This includes any reaction that results from a change in medication prescribed for such

we will evaluate pre-existing conditions for people 60 years and younger based on their health within the previous 3 months prior to the day their coverage begins. For people age 61 and over, we evaluate based on their health within 6 months prior. Will travel insurance cover me if I am pregnant? Tr

Your medical condition or related condition (whether or not the diagnosis has been determined) if, at any time in the 180 days before you depart on your trip, your medical condition or related condition has not been stable. Anyheart heartcondition conditionhas hasnot notbeen beenstable; stable;or or

Over 35 days Any medical condition which is not stable on or within the 90 days before the date of departure. If you extend your trip and the total trip length (including the extension) exceeds 35 days, the stability for medical conditions is based on your total trip length. 60 years and over All Any medical condition which is not stable

To be considered stable during your stability period, your pre-existing medical condition or related conditions must not have resulted in any of the following: b) more than one (1) follow-up with a physician. Definitions Throughout this policy, words and any form of the word appearing in italics are defined in this section. Aggregate limit The total number or the maximum value

Stable For Travel Emergency Medical Insurance and Visitors to Canada Travel Emergency Medical Insurance means that within the period specified in this Policy: a) There has been no deterioration of your condition as determined by your physician, and 33 b) c) d) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and There has been no chan

It’s any injury or medical condition for which you’ve had symptoms, consulted a doctor, had surgery, undergone examinations or tests, been hospitalized, been prescribed new treatment or had adjustments made to your treatment plan. To determine if an injury or a medical condition is not stable, answe

Stable A medical condition is considered stable when all of the following statements are true: 1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and 2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and 3. the medical condition has not become

Stable and Controlled” means: (a) the medical or physical condition, symptom, illness or disease did not first manifest itself; and/or (b) the medical or physical condition, symptom, illness or disease was not first investigated; and/ or (c) the medical or physical condition, symptom, illness or disease has not worsened; and/or (d) no change in any medication or its usage or do

During the 3 months prior to the Effective date of coverage: any illness, injury or condition (with exception of a minor ailment) related to a medical condition for which the Covered person: consulted a Physician (other than for a regular checkup); or was hospitalized; or was prescribed or received a new treatment; or received a change in an existing treatment; or was prescribe

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 to any existing prescribed drug (including an increase, decrease, or stoppage to prescribed dosage), or any r

Stable A medical condition is considered stable when all of the following statements are true: a There has been no deterioration of the medical condition as determined by a physician or other registered medical practitioner, and b There have been no new symptoms or findings or more frequent or severe symptoms or findings, and c There has been no change in treatment by a physici

If you are age 65 or older on the effective date, to be eligible for coverage you must not require assistance with activities of daily living including but not limited to, eating, bathing, using the toilet, changing positions (including getting in and out of a bed or chair), or d

Applicable to insureds 60 Years and Over If you qualify for the coverage selected but you or a representative purchasing insurance on your behalf have failed to answer truthfully and accurately any question asked in the Health Questionnaire, any condition or event claimed will be subject to an extra deductible of $10,000 in addition to any other applicable d

You may have to answer health questions if you choose Emergency Health Care, or Trip Cancellation or Modification, depending on how old you are and the number of days you’ve selected. You may also have to complete a medical questi

If you have been asked to complete a medical questionnaire and any of your answers are not accurate or complete, your policy will be voidable. To download the app, visit: http://www.active-care.ca/en/

You cannot be covered by this policy, and all insurance coverage is null and void, and the liability of the Companywillbelimitedtoreturnofpremiumif: 1. Coverage is not purchased for the entire duration of Your Trip (unless otherwise expressly stated in this policy). 2. Coverage is applied for while outside Canada (with the exception of post-departure applications for extensionofcoverage)

For individuals over 61 years of age requiring medical travel coverage, whether it's a single, annual, or package plan, completing the medical questionnaire is a requirement. You are not required to consult with a physician unless you are unsure about your answers. If you have any pre-existing condi

have correctly completed the medical questionnaire; • be covered under your government health insura

Applicable to Insureds 60 Years and Over at the Time of Application If you qualify for the coverage selected but you or a representative purchasing insurance on your behalf have failed to answer truthfully and accurately any question asked in the Medical Questionnaire, any incident claimed will be subject to an extra deductible of $15,000 USD in addition to any other applicable deductibl

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Maximum limit - $300,000 This coverage does not increase the maximum limits of the Travel Emergency Medical Insurance Base Plan stated in the Policy. When this Optional C

If you’re under 55 or you’ve bought the Stable for 3 months option If you’re 55 or older and haven’t bought the Stable for 3 months option 90 days 182 days To find out if your health is not stable, re

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you may inquire about the pre-existing condition rider for additional assistance. This can be addressed by calling the Pacific Blue Cross Tr

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Unstable Pre-existing Medical Condition Coverage This Optional Coverage can be purchased as an endorsement to an Emergency Medical Insurance Worldwide or Worldwide Excluding USA plan. Benefits Maximum limit — Up to the Policy limit This coverage does not increase the maximum limits of the Emergency Medical Insurance plan stated in the Pol

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When this Policy is purchased before departure to top-up another travel emergency medical insurance plan, coverage commences either: a) the day following the expiry date of the insurance plan being topped-up; or, b) the day following the expiry date of the trip length of the annual multi-trip insurance plan being topped-up. 2) W

Ask us to modify your coverage for your trip, and Pay the re

Top-Up your trip under the Multi-Trip Emergency Medical plan: If your trip: – is longer than the maximum number of coverage days you have under your current plan; or – will extend beyond the expiry date shown on your confirmation, you can either: – purchase Top-Up coverage before the expiry date of your Multi-Trip plan for any additional travel days; or – purchase a new Multi-T

If purchasing the Single Trip Plan to top up another medical travel insurance policy, it means the Effective Date of Insurance indicated on Your application for insurance. For the 4-Season Annual Plan

Top-up insurance provided by Pacific Blue Cross may differ from the insurance that covers the initial part of the trip because of the terms, conditions and exclusions contained in the Policy. Pacific Blue Cross top-up insurance will not cover any claim that occurs during the initial part of the trip. It is your responsibility to verify that the initial part of your trip is covered by ano

If you want to top-up your coverage, you may purchase another certificate of insurance from us under the insurance for which you are eligible, and that is available for the duration that includes the period beginning with your effective date and ending at your new return date for the additional number of days beyond the duration

you can purchase this Insurance as a top-up Policy to cover the remaining duration of your trip. However, you should verify with that provider that they allow their coverage to be topped-up by another insurance provider as they may void or restrict coverage if you don’t extend or top-up with them. 1 2 3 When this Policy is purchased before departure to top-up another emergency medical in

Your coverage may be automatically extended beyond the expiry date stated on your Confirmation of Coverage for the following reasons: The provincial and territorial government health insurance plans limit the time a person can be out of Canada and still remain eligible for provincial coverage. It is your responsibility to ensure you remain eligible during your Coverage Period.

You can extend your period of coverage by calling one of the numbers listed under Contact Information on page 4. during regular BC business hours. To extend your coverage, you must meet the following conditions: a) you have not seen a physician or other registered medical practitioner since your departure date or the effective date of the Policy; b) you have not submitted a claim and have no

To extend your coverage, increase your insurance amount or add other coverages for a trip Here’s what you need to do: ● Ask us to modify your coverage for your trip, and Pay the required premium before you leave on your trip or before the coverages end ● You may have to complete a medical questionnaire. Don’t wait until the last minute, as we may refuse your extension request due to your

TO STAY LONGER THAN PLANNED If you are already on your trip and need to apply for an extension of your coverage, before the expiry date of your existing coverage, simply call the agent or broker from whom you purchased your coverage. You may be able to extend your coverage, as long as: • the total length of your trip outside of Canada, including the extension, does not exceed the maximum

Extensions are available in trip length units as published, and the total trip length cannot exceed the maximum number of days allowed by Your Government Health Insurance Plan, or 212 days. Extensions are calculated using the rate of the new total tr

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What if you decide to extend your trip? If you decide to extend your trip, any extension of your coverage is subject to the following conditions: 1 a If you have not had a medical condition under your existing coverage under any of our insurances, you must request the extension by contacting us before your return date. b If you have had a medical condition under your existing coverage un

You can extend your period of coverage before your Policy expires by calling your agent or us during business hours. Please refer to Contact Information on page 1. An administration fee may be charged in addition to the premium for the additional number of days required. You must meet the following conditions: Applicable to All Coverages 1 You have not submitted a claim and have no intent to

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官方未写／未核到（英文摘录待补）

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The company will pay eligible medical expenses for losses incurred in excess of the amount of the deductible as shown on the application/declaration, per insured per condition or event. This deductible applies to the portion of eligible expenses listed in section Benefits, under Benefit number 1 Emergency Medical Treatment, Bene

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The deductible amount is the amount of covered expenses that you are responsible for paying per person per emergency medical claim. Your deductible amount, in CDN dollars, applies to the amount remain

The Deductible Amount applies only once during a Single Trip policy term and applies per Trip under the 4-Season Annual Plan. Covered Expenses are first paid by Your Government Health Insurance Plan; then Your Deductible Amount ap

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官方未写／未核到（英文摘录待补）

We will pay eligible expenses for losses incurred in excess of the amount of the deductible as shown on the Policy declaration, per insured per incident claimed. This deductible applies to the portion of eligible expenses remaining after payment by your provincial or territorial government health ca

Allianz Global Assistance is there to support you should an unexpected emergency happen with 24/7 assistance, medical monitoring and guided care from our experienced, in-house team and network of trus

24/7 Emergency Assistance Call toll-free from anywhere in the world, 24 hours a day, 7 days a week. LEARN MORE 24/7 Worldwide Virtual Care Get the medical help

If you can’t prove that you were unable to contact the Assistance Service, you’ll have to pay 30% of the eligible expenses, up to a maximum of $3,000. 2. Exclusion for medical conditions that were not

you must call the Assistance Centre in a medical emergency and prior to any treatment. Otherwise, you will have to pay 20% of the eligible medical expenses we would normally pay under this policy. If it is medically impossible SUPPORT WE for you to call, pleas

FailuretocallMedipacAssistwillresultinreimbursement ofonly75%ofalleligibleCoveredExpensestoamaximum of$50,000USD. If You are not able to call because You are medically incapacitated, You or someone on

24/7 access to a team of professionals to connect you with local resources. Direct Pay—We will pay a

you do not call us before you obtain emergency treatment, you will be responsible for 30% of your medical expenses covered under this insurance. 3 Thisinsurance insurancedoes doesnot notco

TuGo Telemedicine service Looking for more than just emergen

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Payment to hospitals and other medical providers for travel emergency medical expenses guaranteed where possible, relieving you of credit responsibilities, multilingual assistance, travel assistance for your family, fami

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pay Covered Expenses directly to Hospitals, Physicians andothermedicalprovidersonYourbehalf; •monitorYourmedicalcondition; • arrange return

Direct Pay—We will pay any providers directly where possible. Coverage for pre-existing conditions—A

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Payment to hospitals and other medical providers for emergency medical expenses will be guaranteed where possible relieving claimant of credit responsibilities. 14 Travel arrangements assistance for f

you may cancel it within 10 days of purchase for a full premium refund as long as you have not left on your trip and have not experienced an event that would cause you to submit a claim before you have left for your trip. 4 TABLE OF CONTENTS How to navigate th

When no travel has taken place and the request for refund is received after the effective date of the Policy: a) A full refund is available within 10 days from the application date of the Policy; or, b) For Single Trip plans, a partial refund less a

Yes, but only if all the following conditions are met: ● You ask us to cancel your contract within 10 days of buying it or renewing it ● You ask us to cancel your contract before the planned departure date ● You haven’t made any c

10-Day Free Look – If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. For information on refunds after the 10-Day Free Look

You may cancel Your policy within 10 days of the purchase date with a full return of premium provided You have not departed on Your Trip and there is no claim in progress. This policy is underwritten by Old Republic Insurance Company of Canada, which has appoi

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you may cancel it within 10 days of purchase for a full refund, provided you have not left on your trip and have not experienced an event that would cause you to submit a claim. Refunds after the 10 day may not be permitted. When does your coverage end? What i

10-day Full Refund Provision You have 10 days starting from the application date of the Policy to review this Policy to ensure it meets your Insurance needs. A full refund is available provided no travel has taken place and the Policy has not expired. To cancel your Policy, you m