安联综合年度多次旅行险（每次出境最多 15 天，医疗＋取消＋中断＋延误＋行李）

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

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

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

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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

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

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）

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

Up to $500 to relieve temporary dental pain you experience while on your trip. Emergency Transportat

官方未写／未核到（英文摘录待补）

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）

If you are age 64 or younger on your effective date: Pre-existing medical conditions that are stable for 90 days before the effective date qualify for coverage, up to the Sum Insured shown on your Confirmation of Coverage. 1. New treatment (including new prescriptions), 2. Change in treatment including frequency, dosage or type

官方未写／未核到（英文摘录待补）

up to an overall maximum of $10 million. Provides post-departure reimbursement for expenses for a covered reason if 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）

官方未写／未核到（英文摘录待补）

Comprehensive Multi-trip Package 15 day Travel wit

官方未写／未核到（英文摘录待补）

Hospital accommodation in a private or semi-private room, medical services and supplies when medically necessary for your treatment when you are a resident inpatient. Your accommodation at the hospital shall not exceed the maximum

Medical professional services, including virtual visits, provided by a physician. Services of anesthesiologists, specialists and surgeons shall require the advance approval of Allianz Global Assistanc

Medically necessary lab tests or x-rays to obtain a diagnosis for your emergency, when ordered by a physician. All other diagnostic testing shall require the advance approval of Allianz Global Assistance. Failure to obtain the adv

Prescriptions required as an outpatient as a result of your covered sickness or injury are limited to a 30 day supply. This does not include medication available without a prescription where treatment

Local transportation, or local ground, air or sea ambulance (including mountain or sea evacuation) to the nearest hospital. We will pay for one-way economy transportation by the most direct and affordable route to resume

Emergency transportation to return you to Canada once your condition has stabilized according to the opinion of your treating or attending physician. These benefits apply if you are hospitalized for a minimum of 24 hours. Incidental Expenses Emergency transportation must be approved in advance and arranged by Allianz Global Assi

The reasonable and customary costs to prepare and return your remains, in a standard transportation container, back to your province or territory of residence, or 2. Up to $5,000 for the cremation or burial at the place of your death. A child born during a tri

Up to $5,000 for the cremation or burial at the place of your death. A child born during a trip is not an insured person under this policy. The cost of a funeral, burial coffin, or urn is not covered.

a) Round-trip economy transportation to bring one (1) family member or one (1) friend to your location, and b) Commercial accommodation, meals, phone calls and local transportation expenses. There is a per trip maximum of $300 per day, up to a maximum of $1,500 applicable for this benefit. 1. Pre-existing medical conditions that do not meet your stability period as stated in Pr

medical condition that caused your claim for the remainder of the trip. Meals; 2. Commercial accommodation; 3. Phone calls; 4. TV rental or internet rental fees; 5. Local transportation; and 6. Child care provided by someone other than your travelling companion or family member (if a dependent child was travelling with you). There is a per trip maximum of $500 per day, up to a maximum of

Child care provided by someone other than your travelling companion or family member (if a dependent child was travelling with you). There is a per trip maximum of $500 per day, up to a maximum of $5,000 for this benefit. The foll

a) Routine pre-natal or post-natal care; Return of Deceased b) Pregnancy, childbirth or related complications after the 31st week of pregnancy; or In the event of your death due to a covered unexpected sickness or injury, we will pay for one (1) of the following: c) High-risk pregnancy. High-risk pr

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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）

would be available. 3. Any medical condition arising during your trip resulting from, or in any way related to, the abuse of alcohol that results in a blood alcohol level of more than 80 milligrams in 100 millilitres of blood, drugs or other intoxicants. This does not apply to drugs prescribed to you by a physician and used by you as prescribed. 4. Acts committed with the intent to cause

13. Your travel to a country, region or city with a published formal travel advisory issued by the Canadian government or responsible ministry or public authority, before your effective date, advising travellers to avoid all travel, or to avoid non-essential travel, and you have an emergency or medical condition related to the reason for the travel warning, your claim will not

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

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.

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including being diagnosed with an epidemic or pandemic disease such as COVID-19). The following condition applies: a) A physician or other m

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

官方未写／未核到（英文摘录待补）

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