Desjardins 出境旅行医疗险（年度多次为主，附单次险条款差异）

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

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,

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

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

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

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

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

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）

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

Treatment of natural healthy teeth (that still have their roots), in the event of an emergency resulting from a direct and accidental blow to the mouth. Maximum of $3,000. 5 Emergency Health Care ● 2.

There are 5 coverages—you can choose one or more depending on the needs of each person you want to insure. Emergency Hea

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

you leave on your trip, as follows: If you’re under 55 90 days To find out if your health is not stable, read section 8 of this policy. If you’re 55 or older 182 days This excl

官方未写／未核到（英文摘录待补）

an overall maximum of $5,000,000 per insured person, per trip ● Up to $200 per day and $2,000 in tot

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）

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

官方未写／未核到（英文摘录待补）

Hospitalization in a semi-private room or, if your health requires it, a private room. b) The services of a nurse practitioner or a doctor authorized to practis

The services of a nurse practitioner or a doctor authorized to practise medicine where the medical care is provided. c) The following care and services, if prescribed by a doctor a

Lab tests and X-rays Nursing care provided while you’re in the hospital ● Drugs that can only be obtained with a prescri

Drugs that can only be obtained with a prescription—these drugs are limited to a 30-day supply, unless you have to take them while you’re in the hospital ● Purc

官方未写／未核到（英文摘录待补）

a) Expenses to bring you back to your home or to a hospital recognized as such under legislation in your home province or territory to receive appropriate care as soon as your health permits it. These repatriation expenses must be approved and arranged by the Assistance Service. b) Round-trip economy transportation and the usual

Expenses to bring your body or ashes home Bringing your body or ashes back to the city where you lived by the most direct route. The cost of the casket or urn isn’t covered. Expenses for cremation or

Expenses for cremation or burial in the country you were visiting Your cremation or burial in the country where you died. Maximum of $6,000. 7. Vehicle return The following expenses are eligible if: A

5. Visit from a family member The following expenses are eligible if: You have to be hospitalized for at least 3 nights ● You aren’t already accompanied by a family member age 18 or older, and ● The licensed doctor treating you deems it necessary ● All these expenses must be approved and arranged by the Assistance Service. Eligible expenses a) The cost of a round-trip economy t

Living expenses if you have to delay your return Living expenses you have to pay if: The extra days you’re away must be You need to delay your return because of an illness or injury approved by the Assistance Service. experienced by you or a family member accompanying you, and ● A doctor authorized to practise medicine where the

a) The additional cost of economy-class plane tickets to bring back to their home children in your care during your trip, if no other person can do this. b) The cost of an escort if the common carrier requires that the children be accompanied. 5. Vis

i) For expenses resulting from pregnancy, miscarriage, childbirth or their complications, and that are incurred after the first 32 weeks of pregnancy j) For expenses incurred after you refuse the trea

Any non-standard sport or activity involving a high level of risk, including but not limited to: ○ ○ ○ ○ ○ ○ ○ ○ ○ Hang-gliding and paragliding Questions? Parachuting and sky diving Call us at 1-855-368-6924 Bungee jumping ? or write to us at Climbing and mountaineering desjardinstravelinsurance@dsf.ca Freestyle skiing Kitesurfing Amateur scuba diving, unless you hold at least

官方未写／未核到（英文摘录待补）

Any competition, speed event or other high-risk activity, including training activities, whether on approved tracks or elsewhere, and whether or not it involves the use of a motor vehicle b) For expen

that occurs when you’ve used drugs, abused medications,* or while your blood alcohol level is over 80 mg of alcohol per 100 ml of blood d) For a medical condition that occurs as a result of you using drugs or abusing medications* *Abusing medications: Takin

You aren’t covered if your destination or type of trip (for example, a cruise) is subject to a travel advisory issued by the Canadian government to avoid all travel before you left on your trip. If you can’t leave the country or region in question within this

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

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

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 wer

官方未写／未核到（英文摘录待补）

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

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

官方未写／未核到（英文摘录待补）