Terms to Know - Travel Insurance

Examples of original itemized bills and receipts:

  • Physicians bill(s) and receipt(s) of your payment
  • Hospital bill(s) and receipt(s) of your payment
  • Prescription bill(s) and receipt(s) of your payment

This could include a copy of the emergency room report, discharge summary report or a written letter from your treating physician.

Accidental bodily injury or sickness (or a condition related to that accidental bodily injury or sickness), including disease, acute psychoses and complications of pregnancy occurring within the first 31 weeks of pregnancy.

This could include a copy of the emergency room report, discharge summary report or a written letter from your treating physician.

Proof of payment could include a copy of:

  • Your credit card statement
  • A cancelled cheque
  • A debit card slip
  • The official receipt issued by your travel agent for a cash payment

For insurance purposes, “stable” is defined as any medical or related condition, including any heart or lung condition (whether or not the diagnosis has been determined) for which there has been:

  • No new treatment, medical management or prescribed medication, and
  • No change in treatment, medical management or medication, and
  • No new/more frequent symptom or finding, or more severe symptom or finding experienced, and
  • No new test results or test results showing a deterioration, and
  • No investigations or future investigations initiated, or recommended for your symptoms, and
  • No hospitalization or referral to a specialist (either made or recommended)

We use your completed medical questionnaire to determine which of the categories below you are eligible to purchase.

Depending on the category you are placed in, you will be eligible for unlimited emergency medical benefits if your medical/related condition has been “stable” for a certain number of days prior to your trip departure date (shown below):

  • Gold Category: 90 days
  • Silver Category: 180 days
  • Bronze Category: 365 days

For multi-trip annual plans, you must provide proof of both your departure from and return to your province of residence. The type of proof depends on whether you travelled via airline or car. Examples of proof for claims include:

  • Originals or copies of airline tickets
  • Itinerary
  • Boarding passes
  • Original gas, hotel, restaurant and duty-free shop receipts
  • Toll highway receipts
  • Letter from employer stating last day at work and first day back
  • Copy of credit card statement showing purchases made in province of residence before and after your trip