What is Destination Expatriate Health Insurance?
Expat Essential Medical Insurance of Destination is designed for Canadians working or living abroad that are under 70 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 seventy (70); 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.
Coverage of Destination Insurance
This insurance does not cover losses or expenses caused directly or indirectly, in whole or in part, by 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 under this policy.
Such 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, follow-up visits, counseling, nor has taken prescription drugs related to such condition.
For complete terms, benefits, conditions and exclusions, please see the Policy.
Important Notice - Read Carefully Before You Travel
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.
- Travel insurance covers claims arising from sudden and unexpected situations
(i.e. accidents and emergencies).
- To qualify for this insurance, you must meet all of the eligibility requirements.
- 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.
- Contact the Assistance Centre before seeking treatment or your benefits may be
- In the event of a claim your prior medical history may be reviewed.
- If you have been asked to complete a medical questionnaire and any of your
answers are not accurate or complete, your policy will be voidable.
It is your responsibility to understand your coverage.
If you have questions, call us as broker or 1-855-337-3532.
Here are some of the benefits of Destination Insurance.
|Maximum Sum Insured
|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
|When medically necessary
|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
|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 >>
Travel insurance is designed to cover losses arising from sudden and unforeseeable circumstances. This policy also contains exclusions which apply to injury, sickness and/or medical conditions that existed prior to and/or during your trip.
Check to see how this applies in your policy and how it relates to your date of purchase, departure date and policy effective date.
Assistance in an Emergency:
Our Assistance Centre is there to help you 24 hours per day, 7 days a week.
You, or someone acting on your behalf, must notify the Assistance Centre at + 1 (519) 945-1068 (collect) or 1-833-886-1068 toll free from Canada/USA within 24 hours of any emergency medical treatment or as soon as possible. If it is not reasonably possible for you to contact the Assistance Centre, due to the nature of your emergency, you must have someone else call on your behalf or you must call as soon as medically possible.
Failure to comply with the Emergency Procedures set out in Part 14 will result in loss of rights to or reduction of, benefits offered under this policy.
Managed by: The Destination: Travel Group Inc.
Underwritten by: The Manufacturers Life Insurance Company (Manulife)
Claims Administration and Assistance Services by: Active Care Management.
Manulife has appointed Active Claims Management (2018) Inc., operating as “Active Care Management”, “ACM” “Global Excel Management” and/or “Global Excel”.