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Eligibility
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Members are eligible to apply for the Travel Medical Plan if they are under age 76, are residents of Canada and are enrolled in a provincial health plan. Individual and family enrollments are available.
Member, as defined under the plan, means a graduate of the University of Victoria or an alumni member as defined by the Alumni Association.
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Benefit Amount
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Up to $2 million in emergency excess hospital and medical insurance per insured person, per one year coverage period.
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Product Features
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Coverage Period
The plan is valid for unlimited travel for one year, from 12:01 a.m. on the effective date in the application.
Fifteen-day and 30-day trip coverage is available. Coverage starts on the time and date of each departure from your home province or territory in Canada, and ends on each return to your home province or territory in Canada.
When purchased to top-up another insurance plan, coverage starts the day following the expiry date of the other insurance plan.
Automatic Annual Renewal Option
This option is available to Members under age 56, if selected in their application. Your policy will be automatically renewed for another year on each renewal date, provided IAP has your valid credit card information on file and the premium is received and accepted. You will be notified of current policy details before each renewal.
All stated amounts payable in this section are per covered trip.
Hospital Confinement and Treatment Benefit
If you are hospitalized, the plan reimburses you or the licensed medical provider for:
a) Services of a licensed doctor.
b) Services of a licensed ambulance, including mountain and sea rescue.
c) X-ray exams and diagnostic laboratory procedures.
d) Prescription medicines and/or drugs (excluding vitamins, minerals, dietary supplements and patent medicines), for up to 30 days.
e) Rental of medical appliances including wheelchairs, if less than the total purchase price.
f) Private nursing services from a registered nurse if ordered by an attending doctor, up to $3,000 per covered trip.
Other Professional Medical Services Benefit
The plan reimburses expenses up to $300 for physiotherapy, chiropractic (initial treatment only), osteopathic, podiatric and chiropodist services, if ordered by the attending doctor.
Dental Services Benefit
The plan reimburses dental treatment expenses up to $3,000 for an accidental blow to the face and up to $300 for emergency pain relief. The dental treatment must be started within 48 hours of the emergency and completed not more than 90 days after treatment begins.
Emergency Air Transportation Benefit
The plan pays for your emergency air transportation to the nearest medical facility, or for your return to Canada, to receive treatment. The plan also pays for the return of a travelling companion, either aboard the same medical transport or up to $1,000 for one-way economy airfare.
Out-of-Pocket Expenses Benefit
If you or a travelling companion is hospitalized on your scheduled date of return to Canada, the plan reimburses up to $150 per day to a maximum of $1,000 (receipts required) for accommodation, meals, telephone calls, transportation, and child care costs for dependents up to the age of 18.
Family Transportation Expense Benefit
The plan reimburses up to $1,000 in transportation costs and up to $100 per day in meals and accommodation for an immediate family member or significant other to accompany you in hospital, if ordered by the attending doctor.
Repatriation Expense Benefit
In the event of your death, the plan reimburses:
a) The cost of burial preparations and transportation of the body to your province or territory of ordinary residence, up to $3,000.
b) The cost for cremation or burial at the place of death if the body is not returned to your province or territory of ordinary residence, up to $2,000.
Return of: a) Vehicle, b) Insured to USA, c) Airfare Home
a) If the attending Physician determines that as a result of Emergency Sickness or Injury, You are incapable of continuing Your trip by means of the Vehicle used for the trip and Your travelling companion is unable to do so for You, the Company will reimburse the actual reasonable and necessary charges for a commercial agency to return a Vehicle that You own or rent to either Your home or the nearest appropriate vehicle rental agency. The maximum benefit payable is limited to the amount it would cost the Company to return Your Vehicle, but in no event will the maximum benefit payable exceed $2,000.
b) If by virtue of Emergency air evacuation, which was arranged and coordinated by OneWorld Assist Inc. in order to obtain medical care in Canada, the Insured wishes to return to his destination in the USA, the Company will pay the costs of a one-way economy airfare to the city from where the air evacuation commenced. This benefit is in lieu of the Return of Vehicle benefit as above. It is only available to those persons who have been air evacuated under the terms and conditions of this Policy and can only be offered once during the same covered trip and cannot exceed Your original expected return. The air evacuation occasioning this benefit cannot originate within Canada.
c) If, in the event of a medical Emergency, the Insured elects to return to Canada for treatment saving the Insurer the cost of Medical Treatment in the USA, the Company will reimburse the cost of a one-way economy airfare home, by the most direct route, for the Insured and one travelling companion to a maximum of $2,000. Documentation is required to validate claim. This benefit is in lieu of a) and b) above.
Escort of Insured Children
If you are transported back to Canada for medical reasons, the plan pays the economy class airfare to return any accompanying insured children (up to age 15) to their Canadian point of departure. The plan also pays to have the children escorted, if necessary.
Additional Expenses Related To Air Travel*
If your flight is delayed for more than four hours, the plan reimburses up to $500 in hotel, motel or restaurant expenses; up to $200 in additional transport expenses; and up to $200 in entertainment expenses. If your air-freighted baggage is lost or delayed by more than six hours, the plan reimburses up to $500 toward clothing and sundry items.
* Not available in Quebec.
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Premium Rates
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For more information on premium rates, please call 1-888-699-5199.
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General Information
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Automatic Extensions
The Plan will be automatically extended after the coverage period expires:
a) For 72 hours after a Delayed Common Carrier (as defined in the policy) prevents you from returning to your home province or territory in Canada.
b) If you are hospitalized during the coverage period, for the length of your hospital stay plus 72 hours after release for you to travel to your home province or territory in Canada.
Authorized Extensions
To extend the policy, Members must call before the Plan expiry date and/or before the end of the coverage period. An extension fee is charged to cover administrative costs.
Limitations and Exclusions
All coverage in this plan is additional to any other insurance the Member has, including provincial health plans, group health or private insurance plans, other policies or policy extensions, private or provincial auto insurance plans, credit card coverage, and amounts legally recoverable from other parties.
Coverage will not apply if:
a) The plan’s effective date is after your departure date from your home province or territory.
b) The application date is after the departure date.
c) The plan is purchased for a trip originating outside Canada.
Plan extensions will not be issued or authorized if:
a) The Member or anyone else covered by the plan has seen a doctor since the trip departure date.
b) A claim has been made or it is known that a claim will be made.
c) The plan or per-trip coverage period has already expired.
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