Travel insurance

Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.

In the case of a medical emergency I am supposed to call the Assistance Centre. What if I don't get a chance to do that - will I still be covered?

We ask you to call our Assistance Centre (1-877-372-2988) so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this insurance. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval.

If you have a Multi Trip Plan, you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi Trip.

As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received.

In the event of a medical emergency, insured individuals must contact The Assistance Centre, who will arrange direct billing of covered expenses, where possible. If you choose to pay eligible expenses directly, the Assistance Centre will reimburse you subject to the terms and conditions of the coverage. 

If you already have coverage, simply call Customer Service. You may be able to extend your coverage, as long as:

a. your period of coverage does not extend beyond 365 days;
b. you remain eligible for insurance under this plan;
c. we have received the extension requests prior to the expiry date of your existing polcy issued by us; and
d. there has been no change between single or family coverage.

For policy extensions, no losses or expenses or benefits will be paid for any illness or injury which first appeared, whether diagnosed or not, or for which treatment may or may not have been received, prior to the effective date of the extension of coverage under this policy.  If you have a medical condition or pending claim, approval of the extension is subject to the approval.

As outlined under your plan, it is essential that you contact our Assistance Centre prior to receiving medical treatment. The Assistance Centre has existing relationships with certain medical providers all over the world to help ensure emergency situations are handled as smoothly as possible. Our Assistance Centre will communicate with your medical provider, arrange direct billing where possible and coordinate payment for the emergency service received.

Under this policy, the maximum number of coverage days is 365 days. Upon expiry of a policy that has been in effect for 365 days (366 days in a leap year), you may purchase another student policy for the following term if you are eligible for coverage.

The Assistance Centre will explain coverage, monitor care, pre-approve treatment and confirm enrolment to the service provider and explain the coverage to healthcare providers to help ensure that medical services are provided in accordance with the benefits of your policy.