FEATURES OF THE A LA CARTE TRAVEL INSURANCE PLAN FOR THE 2018–2019 SEASON
NO-CLAIM DEDUCTIBLE CREDIT
If you were insured last season under any of the Travel Insurance Specialists products and did not report a claim, your $300US deductible will be reduced to $250US when purchasing the A La Carte Travel Insurance plan this season. Also, if you did not report a claim in the last 2 consecutive seasons, your deductible will be reduced to $200US; if you did not report a claim in the last 3 consecutive seasons, your deductible will be reduced to $150US or if you did not report a claim in the last 4 consecutive seasons, your deductible will be reduced to $100US. If you were covered by another insurer during any of the last four seasons, you qualify for the same reduction in deductible if you did not have any claim(s) with the other insurer. (Note: There will be a cost-savings if you qualify for the NO-CLAIM Deductible Credit, but would like to reduce your deductible to $0.)
Basic Emergency Medical Coverage
Basic Emergency Medical Coverage provides essential travel insurance benefits as a result of a medical emergency while you are away from Canada. The maximum payable, unless you upgrade your coverage, is $1,000,000. The Basic Emergency Medical Coverage is not an option, it is the minimum you must take for an A La Carte Travel Insurance policy. Note: this amount can be increased up to $2,000,000 as an option.
Basic Emergency Medical Coverage applies for Annual Multi-Trip Plans (8 Day, 16 Day, 32 Day and 62 Day options).
Upgrade your Basic Coverage from the $1,000,000 maximum (Optional)
The maximum payable in the event of an eligible claim is $1,000,000 under the Basic Emergency Medical Coverage. You can choose to upgrade your maximum amount payable from the basic $1,000,000 to $2,000,000.
Deductible Choices (Optional)
The policy has a $300US deductible per claim. You have the option to change your deductible to ZERO, $500US, $1,000US, $5,000US, or $10,000US.
Buy down your Pre-Existing Condition Clause (Optional)
The pre-existing condition stability period that you qualify for (either 3 months or 6 months) is based on the answers that you have provided to the Underwriting Questions on the A La Carte Option Worksheet. If you qualify for a pre-existing condition stability period of 6 months prior to any departure date, you have the option to "buy-down" the stability period for pre-existing condition coverage to 3 months. If you choose this option, the policy will cover eligible expenses for a medical condition that was stable in the 3 months prior to the departure date of any trip.
Also, if you had a replacement, elimination or an increase/decrease in dosage or frequency of a medication that was prescribed more than 3 months prior to your departure date, you can reduce the stability period for the medical condition that the medication treats to 1 month prior to any departure date.
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