FEATURES OF THE A LA CARTE TRAVEL INSURANCE PLAN FOR THE 2020–2021 SEASON
If you were insured last season under any of the Travel Insurance Specialists products and did not report a claim, your US$350 standard deductible will be reduced to US$300 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 US$250; if you did not report a claim in the last 3 consecutive seasons, your deductible will be reduced to US$200 or if you did not report a claim in the last 4 consecutive seasons, your deductible will be reduced to US$150.
Also, if you have a deductible of US$75 or more, you can get a US$50 reduction on that deductible if you visit a stand alone clinic or doctor's office instead of a hospital or any emergency room.
Basic Emergency Medical Coverage
Basic Emergency Medical Coverage provides essential travel insurance benefits while you are out of Canada. The maximum payable for Emergency Medical Services not related to COVID-19 is $1,000,000 per person per claim unless increased (optional) to $2,000,000. For COVID-19 benefits, the policy provides up to $100,000 coverage for outpatient services. This can be upgraded (optional) to include inpatient care and to increase the limit for all benefits to $2,000,000.
Basic Emergency Medical Coverage applies for Annual Multi-Trip Plans (8 Day, 16 Day, 32 Day and 62 Day options).
Deductible Choices (Optional)
The policy has a US$350 deductible per claim. You have the option to change your deductible to ZERO, US$500, US$1,000, US$5,000, or US$10,000.
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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