Travel Medical Insurance Early Bird Offer: Take 10% off brochure rates Deadline: September 14, 2017

Transcription

1 Travel Medical Insurance Early Bird Offer: Take 10% off brochure rates Deadline: September 14, 2017

2 Travellers Choice is one of Canada s most popular travel medical insurance products. You will have deluxe coverage and 24/7 assistance services putting you a phone call away from medical professionals. If you are not a client, consider Travellers Choice. You will be joining thousands of travelling Canadians and snowbirds that renew with us every year. On behalf of the agents and staff at Travel Insurance Office Inc., may you have good health and safe travels. DKDonnelly Dan Donnelly President, Travel Insurance Office Inc. Medical Insurance Available exclusively from Executive Summary NEW! $10 million Canadian coverage per person. Deluxe benefits (listed on page 4). Emergency assistance available 24/7. Medical expenses paid up front where possible. Saving You $$$ Early Bird offer: Take 10% off the rates. Daily rates allow you to pay for the exact number of days you require. Daily rates are based on your age on the date you apply for coverage. Top-up your retiree benefit plan or credit card. There are no top-up fees. Retiree plans with limited lifetime maximums protected up to $100,000 CAD. Family coverage available. Please call for details. Optional coverage for pre-existing medical conditions Pre-existing medical conditions will be covered if they are stable prior to travel, as shown above the Rate Tables on pages 5-7. Coverage is subject to all of the terms, conditions and exclusions stated in the policy. If your health changes prior to travel, you have an option to reduce the required stability period for an additional premium. See page 7 for details. Optional Annual Plans for Multi-Trips 5-day, 15-day, 25-day, and 35-day durations available that cover the first, 5, 15, 25, or 35 days of every trip you take out of Canada and unlimited travel within Canada (outside of your home Province or Territory) for 12 months. May be extended so you are not limited to 5, 15, 25, or 35-day trips. Online Purchase Available 24/7 Have you considered purchasing Travellers Choice online? Thousands of clients have purchased their coverage online. You may purchase any time of the day or night, seven days a week. In less than five minutes after completing your online application, you will receive all of your travel documents. For Quebec residents - Deductible Options There is a $99 CAD deductible per claim. Optional deductibles: One of the Best Refund Policies in Canada No administration fees and no service charges for refunds! We are here to serve you and will never make you pay for our service. If you decide to cancel your policy before your departure date, for any reason, you will receive a full refund. If you have paid your full premium, and change your travel dates, you will receive a full refund for the days not required. If you return to Canada earlier than planned, you will get a full refund for the unused days of coverage as long as you did not have a claim. 2 3

3 Summary of Deluxe Benefits Travellers Choice Medical Insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance. Travellers Choice has some of the highest dollar benefits you will find. The full details of the coverage are in the policy. Coverage Overall plan maximum Land ambulance services Air ambulance services Hospital and emergency room Doctors, nurses, and surgeons Medical appliances Emergency transportation to return you, your travelling companion, and an attendant (if required) to Canada Automatic Extension of Benefits If hospitalized on the last day of coverage If medically unfit to travel home Delay of conveyance $10 million CAD per person Benefit Limitations All travel medical insurance policies impose limits on certain medical expenses. If you compare products, you will see Travellers Choice limits provide, on average, more dollars for medical expenses. This means, you are less likely to be out-of-pocket if your medical emergency requires any of these benefits. Out-of-pocket expenses Up to $3,500 CAD per person Transport to bedside Up to $3,000 CAD per person Return of vehicle or watercraft Pet return Up to $1,000 CAD per policy Return to original trip destination Up to $2,500 CAD per person Cremation at place of death Return of deceased Up to $15,000 CAD per person Accidental dental Dental emergency Up to $500 CAD per person Chiropractor, physiotherapist, osteopath, chiropodist, podiatrist or acupuncturist Up to $500 CAD per profession per person Prescription medication Up to a 30-day supply ($1,500 CAD per person), except during hospitalization Policy extended up to 72 hours after release from hospital Policy extended up to 120 hours Policy extended up to 72 hours What is the Cost? Early Bird Offer: Take 10% off the rates Review the Medical Questionnaire on the application to find your Rate Table. Rate Table 1 Lucky Duck 1-30 days days days days days days day Annual day Annual day Annual , day Annual ,321 1,881 Tobacco users ages 60-89: Add 20% to the rates if you used tobacco products in the 5 years before your application date. Reduced Stability Period Option: The details are listed at the bottom of page 7. $99 CAD deductible per claim Optional deductibles: Trip Length days days days days days days day Annual day Annual day Annual , day Annual ,256 1,797 Rate Table 2 4 5

4 Early Bird Offer: Take 10% off the rates Rate Table days days days days days days day Annual day Annual , day Annual ,404 1, day Annual ,140 1,977 2,743 Rate Table days before your effective date (90 days for high blood pressure) 1-30 days days days days days days day Annual day Annual ,140 1, day Annual ,230 1,848 2, day Annual ,217 1,726 2,602 3,709 Early Bird Offer: Take 10% off the rates Rate Table days before your effective date (90 days for high blood pressure) 1-30 days days days days days days day Annual day Annual ,256 1, day Annual ,300 1,945 2, day Annual ,346 1,829 2,737 3,993 Rate Table days before your effective date (90 days for high blood pressure) 1-30 days days days days days days day Annual , day Annual ,533 2, day Annual ,063 1,456 2,299 3, day Annual 888 1,023 1,501 2,048 3,233 4,733 Tobacco users ages 60-89: Add 20% to the rates if you used tobacco products in the 5 years before your application date. $99 CAD deductible per claim Optional deductibles: Reduced Stability Period Option For an additional 40%, the insurer agrees to pay up to $200,000 CAD for eligible expenses incurred due to or resulting from a medical condition or related condition, other than a minor ailment, that is: stable for more than 30 days before your effective date for Rate Tables 1 to 5 stable for more than for Rate Table 6 All other stable pre-existing medical conditions and any new eligible medical conditions will be covered up to $10 million CAD per person. (This option is not available if purchasing family coverage.) 6 7

5 Medical Insurance Available exclusively from Contact Us Our phones are answered the old-fashioned way by a live agent! There are no phone buttons to push and no phone menus because we dislike them as much as you do! Hours: Monday to Friday 9 am to 5 pm (ET) Ontario Travel Insurance Office Inc. Western Canada Bullock Dr. Suites 1 & 2 Atlantic Canada Markham ON L3P 7N3 TC@TravelInsuranceOffice.com Fax: Buy Online Anytime Consumer-friendly, Safe and Secure Quebec Residents Please call Bureau d Assurance Voyage Inc. Hours: Monday to Friday 9:00 am to 5:00 pm (ET) Bureau d Assurance Voyage Inc. 151 Queen Street Sherbrooke QC J1M 1J8 Info@BureaudAssuranceVoyage.com Fax :