Travel Underwriters Platinum

Overview

HIGHLIGHTS

• emergency medical coverage up to $300,000.00 in Canadian funds
• 24 hour accident insurance and air flight insurance
• worldwide travel coverage
• pre-existing condition coverage available

KEY BENEFITS

• emergency medical treatment and other professional medical services including dental services and follow up visits
• emergency air transportation
• return of insured's travelling companion
• out of pocket expenses
• maternity benefit including coverage for child birth
• child care benefit
• return of vehicle
• repatriation in case of insured's death
• toll free multi-lingual customer assistance

Please refer to the actual policy wording for the exact coverage, limitations, conditions and definitions. This is only a summary.

DEDUCTIBLE OPTIONS

• $100 Canadian = 5% discount (minimum $0, maximum $50 per person or family)
• $500 Canadian = 15% discount (minimum $0, maximum $150 per person or family)
• $1,000 Canadian = 25% discount (minimum $0, maximum $250 per person or family)

All insured must have the same deductible.

WAITING PERIOD

• if the insurance was purchased prior to arrival in Canada there is no waiting period
• if the insurance was purchased after arrival in Canada there is a waiting period as follows:
• within 60 days of arrival sickness coverage starts after 48 hours from the policy effective date
• over 61 days from arrival sickness coverage starts after 7 days from the policy effective date

PRE-EXISTING CONDITION COVERAGE

• for persons age 69 and under, pre-existing conditions are covered if stable in the 120 days prior to the policy effective date
• for persons age 70 to 79, pre-existing conditions are not covered, however coverage for pre-existing conditions can be purchased; there is a 25% surcharge – pre-existing conditions must be stable in the 120 days prior to the policy effective date
• for persons age 80 to 89, pre-existing conditions are not covered