Destination

While living in Canada, Government Health Insurance Plan (GHIP) may not be available to you right away or at all. We know that health care costs in Canada can be expensive if you’re not covered under a Canadian GHIP. Visitors to Canada insurance from the experts at Destination Travel Insurance helps you stay protected during a medical emergency. Be sure to carry Visitors to Canada insurance to safeguard your finances and enjoy a worry-free trip.

Ideal for:

• Super Visa holders wanting affordable coverage
• Visitors travelling to Canada on a work visa
• Foreign expatriates residing in Canada
• Returning Canadians and landed immigrants waiting for Government health insurance plan benefits

Features and benefits of Destination

• $10,000 to $300,000 in emergency health and medical care
• The affordable medical coverage is available.
• Emergency medical benefits
• Coverage for dental emergency
• Deductible options are available

EMERGENCY HOSPITAL & MEDICAL	MAXIMUM COVERAGE AMOUNT
Emergency Hospital	Semi-private hospital accommodation
Emergency Medical	Services of physician, surgeon, anesthetist Diagnostics, lab tests and/or x-rays Licensed local air, land and/or sea ambulance to the nearest hospital Private duty services of a registered graduate nurse up to $10,000 Rental of medical appliances
Drugs or Medications	Up to $1,000 not exceeding 30-day supply
Professional Services	Physiotherapist, chiropractor, chiropodist, osteopath, podiatrist when ordered by the attending physician up to $500 per practitioner for out-patient treatment
Emergency Air Transportation / Return home	When pre-approved by Zurich Travel Assist
Transportation of Family	Up to $3,000 to transport one family member or close friend and up to $1,000 for meals and accommodation
Follow-up Visits	Up to $3,000 for follow-up when pre-approved by Zurich Travel Assist
Accidental Dental	Up to $3,000 for emergency treatment caused by an accidental blow to the face
Dental Emergency	Up to $500 for the immediate relief of acute dental pain
Meals and Accommodation	Up to $150 per day to a maximum of $1,500 when hospitalized
Return of Deceased	Up to $10,000 for return of remains or up to $4,000 for cremation or burial at place of death
Accidental Death & Dismemberment	Up to the maximum sum insured not to exceed $150,000 for loss of life, limb or sight resulting from an accidental injury
Flight Accident	Up to a maximum sum insured of $50,000
Pre-existing Conditions	Age 0 to 79: Option 1: Covered only if stable during the 120 days prior to the effective date Option 2 :All pre-existing conditions will be excluded from coverage Age 80 and over – all pre-existing conditions are excluded from coverage
Limitations & Exclusions	Your policy contains certain limitations and exclusions. Please refer to policy wording for a complete list of the limitations and exclusions
Deductible Options	Age up to 85 / $0 deductible (deductible options are available) Age 86 and over / $500 deductible
Waiting Period	If the insurance is purchased prior to the arrival date in Canada: • No waiting period  If the insurance is purchased after the arrival date in Canada: • 48 hours after your effective date if you purchased within 30 days after your date of departure from your country of origin; or • 10 days after your effective date if you purchased more than 30 days after your date of departure from your country of origin. The waiting period may be waived if you have insurance at the time of purchase.
Emergency Return Home	Up to $3,000 for the additional cost of a one-way economy transportation
Side Trip outside Canada	Up to the maximum sum insured selected when the majority of the period of coverage is spent in Canada (at least 51% of the trip)

ELIGIBILITY, LIMITATIONS AND EXCLUSIONS

Travel insurance coverage is subject to eligibility, limitations and exclusions. For complete terms, benefits, conditions and exclusions, please see the policy document.

Whether you’re on an extended stay in Canada or returning from an extended trip abroad, Canadian government health care plans might not be available to you right away or at all. Hospitals can charge thousands of dollars per day if you’re not covered under a Canadian government health insurance plan.

For situations such as these, Destination Travel offers a plan to help protect you and your family from unexpected costs due to a medical emergency – and make certain you get the care you need.

Ideal for

Temporary residents; Landed immigrants; Returning Canadians; Work permit holders; Super Visa applicants; Foreign expatriates

• In the event of a medical emergency, you or someone on your behalf must notify Zurich Travel Assist (toll-free 1-888-726-1839 or worldwide collect +1 (416) 260-4553 prior to any surgery being performed or within 24 hours of admission to a hospital.

– confirm coverage

– provide pre-approval of treatment.

• If it is medically impossible for you to call prior to obtaining emergency treatment, we ask that someone calls on your behalf as soon as possible. Otherwise, if you do not call the Assistance Centre before you obtain emergency treatment, you will have to pay 20% of the eligible medical expenses we would normally pay under this insurance.
• The insurer reserves the right, as reasonably required, to transfer you to any hospital or to transport you to your country of origin following an emergency. If you refuse to be transferred or transported when declared medically fit to travel, any continuing costs incurred after your refusal will not be covered and the payment of such costs becomes your sole responsibility. Coverage ceases upon your refusal and no coverage will be provided to you for the remainder of the period of coverage.
• The Assistance Centre, the insurer, The Destination: Travel Group Inc. and its agents/brokers will not be responsible for the availability, quantity, quality, or results of any medical treatment received, or for failure to obtain medical service.

Managed and Distributed by:
The Destination: Travel Group Inc.
304-155 Gordon Baker Road Toronto,
Ontario, Canada M2H 3N5
Tel: 1-855-337-3532

For illustration purposes only. This is not an insurance policy. For complete terms, conditions, limitations and exclusions, please see the policy booklet. Please read and understand your policy before you travel.

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