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Frequently asked questions
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The published rates for all Emergency Medical Plans include a $75 deductible. The following deductible options and discounts are available for the Single-Trip Emergency Medical Plan:
|Savings/Surcharge on Premium||Deductible Amount ($CAD)|
Please note: Deductible amounts apply to emergency medical coverage only. Deductible options are not available on the Trip Interruption plan.
Yes, Family coverage is available for Plan A Emergency Medical, Trip Interruption and Travel Accident plans. It is not available for Plan B. Family coverage covers you, your spouse and dependent children. All family members must be under the age of 54. Plan A Emergency Medical is 2X the premium due for the oldest traveler under age 54. Trip Interruption and Travel Accident plans are 3X the premium due for the oldest traveler under age 54.
To extend your coverage, please call Customer Service at 1-866-707-4922. You must make the request before the expiry date or the date you were scheduled to return home as per confirmation. If you have not had a medical condition or pending claim since your effective date of insurance, the extension may be issued upon request. If you have a medical condition or pending claim, the extension is subject to approval.
When you return home before the scheduled return date as per the confirmation, and have not reported or initiated a claim or have been provided with any assistance services, refunds are available for the unused days of the trip.
Under the policy, 'age' is defined as the insured's age on the effective date of insurance. In order to keep in line with that policy definition, the 'age' used in calculating the daily premium should be the insured's age at the effective date of insurance.
This insurance allows the policyholder to return home without terminating coverage, if the policyholder has requested and received prior approval from the Assistance Centre. Coverage will be suspended but will not be terminated while the policyholder is at home. The suspension of coverage will end and coverage will be reinstated when the policyholder arrives back to Canada. There will be no refund of premium for any of the days during any return home.
Note: This policy will not cover any expenses or benefits relating to any emergency medical and non-emergency medical services for any injury that occurred or illness that started at home.
We ask you to call our Assistance Centre within 24 hours of hospitalization so that we can confirm, with the health care provider, your enrolment under the plan, manage the benefits in accordance with your policy, and, when possible, avoid any out-of-pocket expenses for you. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this policy. 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.
Immediate access to the Assistance Centre is also available through the TravelAidTM mobile app. To download the app, visit: http://www.active-care.ca/en/travelaid/.
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 period, please refer to the Cancellations & Refunds section in the policy.
NOTE: All dollar figures are in Canadian dollars.
†Some age restrictions apply.
*Conditions, exclusions, limitations apply. See policy for details.