FEATURES OF THE A LA CARTE TRAVEL INSURANCE PLAN FOR THE 2020–2021 SEASON

  • LIMITED TIME OFFER (see details below)
  • NO-CLAIM Deductible Reduction (see below for details)
  • COVID-19 Pandemic Coverage options (see details below)
  • Up to $2,000,000 of Coverage for emergency medical services not related to COVID-19
  • Available up to Age 94
  • One Simple Rate Table
  • Annual Multi-Trip policies include coverage for trips in Canada (outside your province)
  • Annual Multi-Trip plans available up to 62 days per trip for most ages
  • Reduced pre-existing condition stability option
  • Many deductible options: US$0, US$350, US$500, US$1,000, US$5,000 and US$10,000
  • 1 Month Stability Option if you had a recent medication change
  • Major Event Return Home benefit now included with your Single Trip or Annual Multi-Trip policy
  • Retiree Plan Top-up Coverage Available for no extra charge if you purchase at least 35 days of additional coverage for a single trip
  • Optional ADD-ON BUNDLE which includes the following benefits: Medical Follow-Up Visit, Protect your No-Claim Deductible Reduction, Dollar limit increase for certain benefits. See the policy for full details.
  • We accept cancellations and early return refund requests via telephone, mail, email or fax
  • Direct Payment to Hospitals and other providers where possible
  • No Top-up Fee
LIMITED TIME OFFER
Lock in your rates when you pay your required premium by December 3, 2020
and choose ONE of the following offers:

1
Reduce your DEDUCTIBLE to
US$75 AT NO-CHARGE
(worth up to 5 points)
OR
2
Get a NO-CHARGE upgrade to
$2,000,000 of Coverage for
Emergency Medical Services
not related to COVID-19
(worth 5 points)
Insuring Canadian Seniors for over 25 Years

COVID-19 Pandemic Coverage
A La Carte gives you an option when it comes to COVID-19 coverage.

The policy provides up to $100,000 coverage due to COVID-19 emergencies. Benefits include coverage for testing, outpatient services, and doctor's office / clinic visits. If you are quarantined outside of Canada due to a positive COVID-19 test outside of Canada, up to $2,500 (maximum of $200 per day) for quarantine related expenses plus up to a total of 17 total days of automatic extension of coverage at no extra cost. Also, emergency assistance services to return you to Canada by the most economical means are provided.

Full policy benefit limits, up to $2,000,000, will be provided with the purchase of the Upgraded COVID-19 Coverage option which will include inpatient services, in addition to the above benefits. See the policy for full details.

DEDUCTIBLE REDUCTIONS

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 Includes Amounts Up To:
  • EMERGENCY MEDICAL SERVICES not related to COVID-19
    Maximum limit chosen

    COVID-19 outpatient care
    $100,000

    Optional: Upgraded coverage for COVID-19 inpatient care
    $2,000,000

  • Emergency Paramedical/Professional Services
    $250 per practitioner

  • Emergency Ambulance Transportation
    Eligible expense

  • Emergency Dental Due to an Accidental Blow to the Mouth
    $2,000

  • Emergency Relief of Dental Pain
    $300

  • Removal of a Cast or Stitches after an Emergency
    $300

  • Child Return under your care
    Eligible expenses

  • Vehicle Return
    $2,500

  • Emergency Evacuation & Repatriation
    Eligible expenses

  • Major Event Return Home
    $3,000

  • Subsistence Allowance
    $1,500 per person

  • Expenses Related to your Death
    $5,000 per person

  • Bedside Companion Travel
    Eligible expenses

  •  
  • 24 Hour Worldwide Emergency Medical Assistance
  • NOTE: All premiums, benefits, and maximum amounts payable are quoted in Canadian dollars unless otherwise specified. All deductibles are in US dollars (US$) and apply to each claim occurrence.
    See the policy for full details.

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.

Marketed by Travel Insurance Specialists
Snowbird medical insurance experts for over 25 years

Underwritten by Industrial Alliance Insurance and Financial Services Inc.