把行程与健康变化，
逐款对照出境条款。

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）

Comprehensive Multi-trip Package 15 day Travel wit

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

官方未写／未核到（英文摘录待补）

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

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

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

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

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）

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.

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）

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

官方未写／未核到（英文摘录待补）

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

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）

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

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

官方未写／未核到（英文摘录待补）

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

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

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

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

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

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

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

官方未写／未核到（英文摘录待补）

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

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

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

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

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

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

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

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

官方未写／未核到（英文摘录待补）

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

官方未写／未核到（英文摘录待补）

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

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’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

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

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

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 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

官方未写／未核到（英文摘录待补）

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

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

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）

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

官方未写／未核到（英文摘录待补）

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)

官方未写／未核到（英文摘录待补）

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

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/

官方未写／未核到（英文摘录待补）

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

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

官方未写／未核到（英文摘录待补）

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

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

官方未写／未核到（英文摘录待补）

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

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 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

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

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

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

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

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

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)

官方未写／未核到（英文摘录待补）

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

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

官方未写／未核到（英文摘录待补）

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

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

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

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

官方未写／未核到（英文摘录待补）

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

官方未写／未核到（英文摘录待补）

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

官方未写／未核到（英文摘录待补）

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

官方未写／未核到（英文摘录待补）

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

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

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

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

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）

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

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

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

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

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

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

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

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

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

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

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

官方未写／未核到（英文摘录待补）

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

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

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 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

官方未写／未核到（英文摘录待补）

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

官方未写／未核到（英文摘录待补）

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

官方未写／未核到（英文摘录待补）

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

官方未写／未核到（英文摘录待补）

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

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

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

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

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

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

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

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

TuGo Telemedicine service Looking for more than just emergen

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

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