PLAN HIGHLIGHTS 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 $350US deductible will be reduced to $300US when purchasing the TravelHealth Medical Plan this season. Also, if you did not report a claim in the last 2 consecutive seasons, your deductible will be reduced to $250US; if you did not report a claim in the last 3 consecutive seasons, your deductible will be reduced to $200US or if you did not report a claim in the last 4 consecutive seasons, your deductible will be reduced to $150US. 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.)
Benefits for Emergencies
We provide coverage up to $2 Million per person per claim for emergency medical services.
Deductible Choices (Optional)
The policy has a $350US 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 stability period (Optional)
The pre-existing condition stability period that you qualify for (either 3 months or 12 months) is based on the plan that you qualify for. If you qualify for a pre-existing condition stability period of 12 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.
Marketed by Travel Insurance Specialists
Snowbird medical insurance experts for over 25 years
Underwritten by Industrial Alliance Insurance and Financial Services Inc.