FEATURES OF THE A LA CARTE TRAVEL INSURANCE PLAN FOR THE 2022–2023 SEASON
COVID-19 COVERAGE DETAILS
A La Carte Travel Insurance provides up to $5,000,000 of COVID-19 coverage. This also includes $2500 (maximum $200 per day) for COVID-19 related expenses due to quarantine from a positive COVID-19 test outside of Canada.
COVID-19 coverage is included for cruises provided you are Fully COVID-19 Vaccinated.
If you are not Fully COVID-19 Vaccinated as defined below, a 10% charge will be added to your premium.
Fully COVID-19 Vaccinated: means at least two weeks prior to your departure date, you have had the second shot of a Canadian government approved 2-dose COVID-19 vaccine, or the single shot of a Canadian government approved single-dose COVID-19 vaccine. Proof of vaccination(s) is required at claim time if requested.
NOTE: For emergency medical services not related to COVID-19, the maximum coverage limit is $5,000,000.
Basic Emergency Medical Coverage
Basic Emergency Medical Coverage applies to Annual Multi-Trip Plans (8 Day, 16 Day, 32 Day and 62 Day options).
Deductible Choices (Optional)
The policy has a US$50 deductible per claim. You have the option to change your deductible to ZERO, US$250, US$500, US$1,000, US$5,000, or US$10,000.
Buy down your Pre-Existing Condition Clause (Optional)
The pre-existing condition stabilty period that you qualify for (either 90 days or 180 days) 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 180 days prior to any departure date, you have the option to "buy-down" the stability period for pre-existing condition coverage to 90 days. If you choose this option, the policy will cover eligible expenses for a medical condition that was stable in the 90 days 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 does not treat a heart condition or a lung condition, and was prescribed more than 90 days prior to your departure date, you can reduce the stability period for the medical condition that the medication treats to 30 days prior to any departure date.
This insurance covers treatment required only as a result of a medical emergency and has other terms, conditons, limitations and exclusions which may affect your coverage. For a full description, click on the Policy Wording link at the top of this page to review the full policy. Please refer to Section 4 of the A La Carte Travel Insurance Policy for the exclusions.
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Underwritten by Industrial Alliance Insurance and Financial Services Inc.