先看哪些能选，
再看哪些条款与你有关。

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.

Multi-trip Plans must be purchased prior to departing on your trip. As of the effective date of your

Coverage shall be void if purchased after the date of departure from your home province or for a trip not originating in Canada unless authorized in advance by BCAA in which case it will be subject to the waiting period requiremen

you need to buy the insurance before your planned departure date and it must cover you for the whole time you’ll be away. All trips start the day you leave your home province or territory and end the

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Coverage is applied for while outside Canada (with the exception of post-departure applications for extensionofcoverage). 3. Any material misrepresentation is made on the application or in connection

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Coverage shall be void if purchased after the date of departure from your province/territory of residence or for a trip not originating in Canada unless we authorized it, in which case it will be subject to the waiting period requirements. Top-up If you are co

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

any pre-existing condition;

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

any unstable condition if you are covered under the Enhanced Plan

180 days stable

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.

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

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

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

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

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

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.

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.

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.

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

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.

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.

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

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

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

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

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

in the 182 days preceding your coverage start date.

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

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

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

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

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

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).

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

1. Any pre-existing condition.

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

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

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

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

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

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

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

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

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

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

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,

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Any medical condition that affects you and that is not stable

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

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

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

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

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

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

no new, more frequent or more severe symptoms

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

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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.

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.

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

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.

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

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

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

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.

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.

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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

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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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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

This policy is limited to one follow-up visit relating to the emergency

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

such medical condition will be covered again in the event of a subsequent emergency

Not required

such medical condition will be covered again in the event of a subsequent emergency

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.

Benefits are not payable for costs incurred due to any treatment, investigation or hospitalization which is a continuation of, or subsequent to, emergency treatment of a sickness or injury, unless approved in advance by Allianz Global Assistance.

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

any treatment, investigation or hospitalization which is a continuation of, or subsequent to, emergency treatment of a sickness or injury, unless approved in advance by Allianz Global Assistance.

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

Ongoing care, rehabilitation or check-ups.

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

The continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment during your trip

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

For life-sustaining drugs that you take on an on-going basis, such as insulin, nitroglycerin and vitamins

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

Treatment of an ongoing condition, regular care of a chronic condition

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.

GMS does not cover any medical treatment, which is a continuation of or a recurrence of a medical condition.

No medical questionnaire required

This policy limits coverage to 1 follow-up visit relating to the emergency for which you have already received emergency treatment during the Coverage period.

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.

will terminate when the first of these events occurs: • The Assistance Centre has determined that your emergency has ended

No medical questionnaire required

will terminate when the first of these events occurs: • The Assistance Centre has determined that your emergency has ended

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

12. Any of the following treatment(s): a) Treatment not related to an emergency; b) Elective treatment; or c) Experimental treatment. Trip Interruption Benefits IMPORTANT: You, or someone on your beha

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

12) Ongoing care, rehabilitation or check-ups. 13) Elective (non-emergency) treatment or surgery. 14) Unless otherwise stated in this Policy

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

h) For life-sustaining drugs that you take on an on-going basis, such as insulin, nitroglycerin and vitamins i) For expenses resulting from pregnancy, miscarriage, childbirth or their complications, a

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/

6. Any non-emergency, experimental or elective treatment such as cosmetic surgery, chronic care, rehabilitation including any expenses for directly or indirectly related complications. 7. The continued treatment of a medical condition or related condition, following emergency treatment during your trip, if our medical advisors d

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)

edical or surgical treatment which is not a Medical Emergency, is primarily cosmetic, or is experimental; or any complication of the foregoing treatment. 11. Any medical or physical symptom, illness o

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

Any claim for patients in chronic care Hospitals or in chronic care units of public Hospitals, or in nursing homes or health spas. Any care, treatment, products or services other than those declared by the appropriate authorities

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

We will not pay a benefit with respect to non-emergency, experimental or elective treatment (e.g. cosmetic surgery, chronic care, rehabilitation including any expenses for directly or indirectly relat

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

13 Non-emergency, experimental or elective treatment or procedures (including but not limited to ongoing care, chronic care, rehabilitation or check-ups) and their related complications. 14 a Cosmetic surgeries, procedures and/or

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except when they are required for the continued stabilization of a chronic medical condition.

your policy will be voidable.

5. Continued treatment once the medical

No medical questions asked

Any medical condition or symptoms for which it is reasonable to believe or expect that treatments will be required during your trip.

provided you have accurately answered no to all questions

Any medical treatment of an ongoing condition, regular care of a chronic condition, home

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.

The cost of replenishing any medication that was in use on your departure date

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.

The cost of replenishing any medication that was in use on your departure date

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

The continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment during your trip

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 continued treatment, recurrence or complication of a medical condition or related condition, following emergency treatment during your trip, if we determine that your emergency has ended

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.

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One temporary visit to your home province is permitted during your period of coverage provided the temporary visit is unexpected and beyond your control; your Policy will not terminate; however, you will not be covered while in your home province. There will be no refund for the number of days you s

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17. Trip Break – For Single-Trip plans, you may return home to your province of residence without terminating your coverage. There is no coverage under this plan in your province or territory of residence. There will be no refund of premium for any of the days you spend in your province or territory of residence. If you experience any change in your health during the Trip Break

If, during the Single Trip Plan, You return to Your province or territory of residence for any other reason and resume travel, this insurance does not provide coverage for any Medical Emergency concerning, relating to, caused by or arising from any medical or physical condition for which You received Medical Attention while in Y

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One temporary visit to your province/territory of residence, is permitted during your period of coverage provided the temporary visit is unexpected or beyond your control; your Policy will not terminate, however you will not be covered while in your province/territory of residence. There will be no

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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.

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

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

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

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

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

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

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

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the maximum period of coverage cannot exceed 365 days

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

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Trip Duration: Up to 365 days

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

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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.

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Maximum duration: 365 trip days

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

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must last a maximum of 365 days.

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

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

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

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

meets the requirements for the parent and grandparent super visa

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

meets the requirements for the parent and grandparent super visa

官方未写／未核到（英文摘录待补）

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

meets the requirements for the parent and grandparent super visa

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

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Comprehensive Multi-trip Package 15 day Travel wit

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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

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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

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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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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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than the 366 days allowed per contract

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

Secure Travel has specially designed Emergency Medical Insurance plans

Note: The minimum premium is $20 per policy.

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

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

Duration: 7 days to 18 months

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

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

Duration: 7 days to 18 months

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

Applicable to Super Visa Applicant/Holder Refund Requests Only

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

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

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

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

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

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

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

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

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

Deductible amount $0.00 CAD per insured

The deductible will apply once during the period of coverage.

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

Deductible amount $500.00 CAD per insured

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The deductible applies per insured, per condition or event.

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per insured, per covered condition or event.

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

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The deductible is applied to each claim.

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%.

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.

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%.

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.

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%.

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 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

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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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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

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

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

deductible of $50 per person and per claim

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

applies once per insured person, per covered emergency.

$10,000 (-45%)

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

$10,000 (-45%)

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

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per insured per incident claimed

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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.

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.

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

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