BCAA 出境紧急医疗险（年度多次与单次）

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

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

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

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

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

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

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

官方未写／未核到（英文摘录待补）

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

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

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

b) Dental expenses you incur while on your trip for any dental emergencies other than pain caused by an accidental blow to the face, up to a maximum limit of $600. All treatment must be completed within the 90 days after the treat

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）

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 no

官方未写／未核到（英文摘录待补）

Maximum limit - $10,000,000 The company will pay the actual, reasonable and customary expenses up to the coverage limits

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

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

官方未写／未核到（英文摘录待补）

Hospitalization services (limited to a semi-private room). Any coverage related to hospitalization terminates upon release from the hospital other than what is

Physician The services of a physician. 6 Ambulance Services The services of a licensed ground, air o

X-ray examinations and diagnostic laboratory procedures when performed at time of initial emergency. Prescription Drugs Prescription drugs (excluding over the c

Coverage is available for a maximum supply of 30 days, for prescription drugs that are purchased in the 30day period from the date of the initial emergency or the follow-up visit. While you are confined to hospital, the company will pay the total cost of all p

The services of a licensed ground, air or sea ambulance and paramedics from the scene of the accident or place of onset of the sickness to the nearest hospital. Fire rescue expenses are also covered i

Emergency Air Transportation This benefit is payable only when pre-approved and arranged by BCAA Claims Assistance. At the time of hospitalization, medical air evacuation for return to Canada or medical air evacuation between medical facilities when the first

15) Repatriation In the event of your death during a trip covered under the Policy benefits, the company will pay for: a) The preparation and return of your body, including the cost of a standard shipping container (excluding the cost of a burial coffin or urn), to your home province; or, b) Up to a maximum of $5,000 for burial

b) Up to a maximum of $5,000 for burial at the place of death (excluding the cost of funeral and related expenses or a burial coffin) including one death certificate, in the event your body is not returned to your home province; or, c) Up to a maximum of $5,000 for cremation at the place of your death (excluding the cost of fune

the company will pay one round-trip economy airfare or ground transportation costs for one family member to be with you 8 while you are hospitalized if you are travelling alone; or for one additional family member other than your travelling companion if you are not travelling alone, and up to $400 per day up to a maximum of $2,000 for reasonable and necessary commercial accommo

is subject to the terms and conditions of the Policy. 18) Out of Pocket Expenses Up to $500 per day to a maximum of $5,000 for your commercial accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare and rental car, if: a) Your travelling companion is transferred to a different

19) Child Care Up to $500 per day to a maximum of $5,000 for childcare costs for insured children 18 years and under who are travelling with you (excluding childcare provided by a family member) when: a) You are confined to hospital; or, b) You are t

9) a) Routine pre-natal care; b) Voluntary termination of pregnancy or resulting complications; General Exclusions c) Complications related to pregnancy within the nine weeks immediately before or after and including the expected date of delivery; d) Complications related to childbirth within the nine weeks immediately before or after and including the expected date of delivery

5) Sickness or injury as a result of scuba diving unless you are certified by an internationally recognized and accepted program (including but not limited to NAUI, PADI). 6) Sickness or injury as a result of participating in, training or practicing for any sport as a professional athlete. 7) Sickness or injury as a re

官方未写／未核到（英文摘录待补）

7) Sickness or injury as a result of participating in any motorized speed contests. 8) Any medical condition or recognized complic

4) Any sickness, injury or death that could reasonably be contributed to or caused by your: a. Intoxication from alcohol consumption (alcohol intoxication is determined either when records indicate that you have reached or exceeded a blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood or when records ind

10) a) Travel Advisory Issued on or Before Your Departure Emergency sickness or injury if you travel to a destination after the Canadian Government has issued a formal written travel advisory to Avoid-all or Avoid Non-essential travel to that destination (including any connections, layovers, or transit locations during your trip

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

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）

官方未写／未核到（英文摘录待补）

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

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

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