Canadian Expatriate Insurance

What is Canadian Expatriate Insurance by Destination?

Emergency medical essential travel insurance of Destination is designed for Canadians working or living abroad that are under 65 years old.

This insurance is designed to cover losses arising from sudden and unforeseeable circumstances.

It is very important that you read and understand the terms of your policy as the coverage contains provisions relating to eligibility, pre-existing conditions, limitations and exclusions.

Who is eligible?

You must meet the following conditions on your policy effective date to be eligible for Destination insurance:

• Be under age sixty five (65); or
• Are considered a dependent; and
• Be a Canadian citizen or hold a Canadian landed immigrant status; and
• Have paid the required premium.

Newborn children shall be eligible to apply for insurance on the fifteenth (15) day after discharge from the hospital where the birth took place.

Exclusions for medical conditions exsists prior to becoming insured

1. Any condition (except for a minor ailment) for which the insured person has sought or received medical treatment, advice, follow-up visits, counseling, or has taken prescription drugs within one hundred and eighty (180) days prior to becoming insured
2. A medical condition shall be covered when subsequently a continuous period of not less than three hundred and sixty-five (365) consecutive days has passed during which time the insured person has not sought or received medical treatment, advice, followup visits, counselling, nor has taken prescription drugs related to such condition.

Limitations and Exclusions

Refer to policy wording for a complete list of Limitations and Exclusions

Return to Home Country

Continued coverage for up to 13 weeks, until your government health insurance plan takes effect, when you return to your home country.

For complete terms, benefits, conditions and exclusions, please see the Policy.

Important Notice – Read Carefully Before You Travel

Understand your Canadian Expatriate Insurance Policy

You have purchased a travel insurance policy – what’s next? We want you to understand (and it is in your best interest to know) what your policy includes, what it excludes, and what is limited (payable but with limits). Please take time to read through your policy of insurance before you travel. Italicized terms are defined in your policy.

Important Information about Coverage

• Travel insurance covers claims arising from sudden and unexpected situations. (i.e. accidents and emergencies).
• This insurance contains limitations and exclusions (i.e. medical conditions that are not stable, pregnancy, child born on trip, excessive use of alcohol, high risk activities).
• This insurance may not cover claims related to pre-existing medical conditions, whether disclosed or not at time of policy purchase.

It is your responsibility to understand Canadian expatriate insurance coverage.
If you have questions, please contact us.

BENEFIT SUMMARY

Here are some of the benefits of Destination Insurance.

Benefit	Description
Maximum Sum Insured	$1,000,000 CAD
Emergency Hospital	Semi-private hospital accommodation
Paramedical / Professional Services	Chiropractor, physiotherapist, osteopath, podiatrist or acupuncturist up to $500 CAD per profession, per injury or sickness
Nursing at Home	Up to 12 weeks to a maximum limit of $10,000 CAD
Ambulance Transportation	When medically necessary
Out-patient Services	Up to $10,000 CAD per person per sickness or injury for: – Physician or surgeon fees – Diagnostics, lab test and/or x-ray – Drugs, medicine, serums and vaccines – Rental of medical appliances – Blood and blood plasma
Emergency Dental Treatment	Up to $5,000 CAD for emergency treatment for accidental blow to the face
Repatriation or Local Burial	Up to $10,000 CAD
Emergency Medical Evacuation	Available when approved by the Assistance Centre
Compassionate Emergency Travel	When approved by the Assistance Centre, roundtrip economy airfare and up to $150 per day to a maximum of $3,000 for a person of your choice to be by your bedside when hospitalized
Complicated Maternity	Up to $5,000 CAD (only payable if birth is 10 months after the effective date)
Emergency Coverage in the United States	Available with Worldwide – All Countries excluding USA, coverage up to 14 days per trip

All amounts indicated are in Canadian currency, unless indicated otherwise.

This page is an illustration only. It is not an insurance policy. For the complete terms, benefits, conditions and exclusions please see the Insurance Policy PDF file >>

Important Information on Canadian expatriate insurance

If you do not contact Zurich Assistance prior to seeking medical treatment without reasonable cause, you will have to pay 20% of the eligible medical expenses we would normally pay under this insurance.

Check to see how this applies in your policy and how it relates to your date of purchase, departure date and policy effective date.

How to Contact

The Assistance and Claims Administrator can be reached 24 hours a day and 7 days a week at the numbers below:

Numbers to Call
In Canada and the USA ……………………. 1-855-286-7467
Outside of Canada and the USA ……… + 1–519-913-8034

International operator assistance may be required when calling from outside of Canada and the USA. Collect calls will be accepted.

Company detail

Managed by: The Destination: Travel Group Inc.
Underwritten by: Berkshire Hathaway Specialty Insurance
Claims Administration and Assistance Services provided by: Global Excel Management Inc.

Berkshire Hathaway Specialty Insurance has appointed Global Excel Management Inc. , operating as The Assistance and Claims Administrato as the provider of all assistance and claims services under the policy.

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