Summary
Having Trouble Getting Coverage?
You want to travel but pre-existing conditions have not been stable long enough to be covered. Quest provides $150,000.00 in coverage for pre-existing conditions that do not meet stability requirements. You can also purchase $150,000.00 coverage for a condition which is stable now but may not be in the future.
The overall coverage limit for conditions that meet stability requirements is $5,000,000.00. There are three stability and rating categories as follows:
| Category |
Months before effective date |
| Gold |
90 day stability period |
| Silver |
180 day stability period |
| Bronze |
180 day stability period * |
*365 day stability period for diabetes, heart and lung conditions
Benefits
Travel Medical Insurance
This policy provides up to $5,000,000 in emergency medical coverage for sickness and accident. There is an online medical questionnaire if you are age 55 or more.
Pre-existing condition must be stable as follows:
| Key Benefits |
Maximum Limit |
| Maximum liability |
$5,000,000 |
| Emergency medical treatment |
Emergency medical treatment for sickness or injury whether in-patient or out-patient care.
Services of physician, surgeon, anaesthetist, registered graduate nurse.
Private duty nursing.
X-rays and laboratory services.
Rental of medical appliances.
|
| Hospital allowance |
$50 per day to a maximum of $500 for incidental hospital charges. |
| Ambulance |
Including mountain and sea rescue. |
| Prescription drugs |
Limit of a 30-day supply. |
| Emergency air transportation |
Up to Policy limit. |
| Dental |
Up to $4,000 for accident.
Up to $500 for dental pain.
|
| Professional medical services |
Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath and podiatrist.
Chiropractic benefits are limited to the initial office visit.
|
| Repatriation |
Up to $10,000 for repatriation.
Up to $4,000 for burial/cremation at place of death (excluding cost of burial coffin or urn).
|
| Family transportation |
One economy return airfare or ground transportation costs and up to $150 per day for meals and accommodation in the event of your hospitalization.
|
| Return of insured travelling companion |
Up to $3,000 for a one-way economy airfare if you are returned home for medical reasons. |
| Return to destination |
One-way economy airfare to return to your original destination point after your return to your home province for medical reasons. |
| Return of vehicle |
Up to $4,000. |
| Additional board and lodging |
Up to $400 per day to a maximum of $4,000. |
Optional Coverages
| Key Benefits |
Maximum Limit |
| Guaranteed Stability Option |
Option to purchase coverage for pre-existing conditions including conditions that did not meet the stability requirements, up to $150,000. |
| Future Stability Option |
Option to purchase coverage for pre-existing conditions provided the condition that existed at the time of application was stable according to the plan you qualify for, up to a maximum of $150,000.00. |
| Trip Cancellation/Interruption Insurance |
Option to buy single trip coverage to cover travel costs if the travel plans are cancelled prior to departure, or if they are disrupted after the trip has begun. |
Key Features
| Key Benefits |
Maximum Limit |
| Pre-existing conditions |
Gold plan: 90-day stability period
Silver plan: 180-day stability period
Bronze plan:
a) 365-day stability period for diabetes, heart and lung conditions AND
b) 180-day stability period for all other pre-existing conditions.
|
| Exclusions |
Long term care or ongoing care following an emergency.
Non-emergency treatment.
Test and investigative consultations.
Refer to policy wording for complete list of all exclusions.
|
| Claims procedure |
Consult the claim guideline in your policy wording. |
Please refer to the policy wording for a complete description of benefits, exclusions, limitations and conditions.