When planning a trip, travel
insurance is one thing you should always include in your packing
list – you should plan for the best, but prepare for
the unexpected. You can book your travel insurance online
or feel free to give us a call.
We're here to help you have a worry free trip.
Caribbean
Senior couple on Maria la Gorda beach in Cuba
Out
of Province Travel / Coverage
Q. Do I need to carry my Policy with me when travelling? A. Yes, you should take your insurance
documents with you when travelling in case you need
to refer to them while you are away.
Q.
What if I change my mind after I purchase this travel
insurance? A. Refunds
are available up to your start date or if you have a
minimum of 3 unused days of coverage. Please call 1.866.648.8422.
No refund of premium will be made in the event that
a claim has been paid, incurred or reported under this
policy. For policies with trip cancellation, refunds
will be issued if a supplier cancels or alters service
and all of your non-refundable prepaid travel arrangements
insured by us are refunded without penalty.
Q. What is a pre-existing condition? A. This is a medical condition that
existed either when you purchased your policy or when
you departed on your trip.
Q. Is
there a pre-existing condition clause that applies to
medical coverage? A. Yes. Depending on your age and product
purchased, your medical coverage may be subject to one
of three medical exclusions in addition to the general
exclusions of
the policy. Pre-Existing Condition Medical
Exclusion for Identifier ME#1
If your exclusion identifier is "ME#1" your
Emergency Medical and Dental Coverage is subject to
all of the exclusions set out in the General Exclusions
Section of this policy and the following exclusion:
ME#1. If at any time in the 90-day period immediately
preceding your effective date:
1. Your medical condition or any related condition has
not been stable and controlled;
2. Your heart condition has required you to use, take,
or be prescribed to take nitroglycerin in any form,
more than once per a seven day period; or
3. Your lung condition has required the use of home
oxygen or has required you to take oral steroids (prednisone
or prednisolone);
Then we do not cover any loss or expense related in
whole or in part, directly or indirectly, to any such
condition.
Pre-Existing Condition
Medical Exclusion for Identifier ME#2
If your exclusion identifier is "ME#2" your
Emergency Medical and Dental Coverage is subject to
all of the exclusions set out in the General Exclusions
Section of this policy and the following exclusion:
ME#2. If at any time in the 180-day period immediately
preceding your effective date:
1. Your medical condition or any related condition has
not been stable and controlled;
2. Your heart condition has required you to use, take,
or be prescribed to take nitroglycerin in any form,
more than once per a seven day period; or
3. Your lung condition has required the use of home
oxygen or has required you to take oral steroids (prednisone
or prednisolone);
Then we do not cover any loss or expense related in
whole or in part, directly or indirectly, to any such
condition.
Pre-Existing Condition
Medical Exclusion for Identifier ME#3
If your exclusion identifier is "ME#3" your
Emergency Medical and Dental Coverage is subject to
all of the exclusions set out in the General Exclusions
Section of this policy and the following exclusion:
ME#3. We do not cover any loss or expense related in
whole or in part, directly or indirectly, to any medical
condition for which you have taken medication, been
prescribed medication, received treatment, experienced
a deterioration of the condition or had cause to seek
treatment at any time within the 180-day period immediately
preceding and including your effective date and this
exclusion applies whether or not the condition has been
stable and controlled.
Please
note: If you have selected the annual option, your effective
date is the date you leave your departure point on a
trip. You may have more than one effective date during
any one annual policy. The pre-existing condition medical
exclusion applies, in each 90-day period (or 180-day
period if exclusion identifier ME#2 or ME#3 is applicable)
before each trip.
Q. How do you define family? A.
A family policy can consist of a minimum of one adult
and a maximum of two adults under the age of 60 and
up to five dependants under the age of 21 who are travelling
with you.
Q. Do you offer family
rates? A. Yes. Family
rates are available to persons aged 59 years of age
and younger purchasing the single trip medical plan.
Q. What is an annual plan? A. An annual plan allows you to take
any number of trips outside your Canadian home province
or territory of residence that do not exceed your selected
trip duration. Benefit limits are per insured per each
trip, unless otherwise indicated. If your trip outside
Canada is longer than your selected trip duration then
you must top-up your coverage with us. If you do not
top-up then you will not have coverage for any claim
during your trip regardless of when the cause for claim
arises. Coverage is provided for trips of any length
within Canada but outside of your home province regardless
of the selected trip duration. You have the option to
have the policy start date be the date of purchase or
any date into the future up to a maximum of 120 days.
Q. If I purchase my annual plan for my
trip to the USA, will it cover me should I decide to
travel within Canada? A.
Yes.
Q. Can I top-up my annual
plan with another company? A.
No. You must top-up your annual plan with us.
Q. Can I use the single trip medical
plan to top-up a different insurers insurance policy? A. Yes. If you are topping-up a different
insurer's annual plan with us then you must purchase
top-up prior to your departure and you must choose a
single trip plan.
Q. Who do I call
with questions about travel insurance?
A. You can contact your Centre Holidays Travel Consultant
or Head Office at 1.888.823.8801 and they will be more
than pleased to answer your questions.
Visitors
to Canada Q. If I am a returning Canadian
citizen can I purchase Visitors to Canada until my GHIP
is in effect? A. Yes,
you can purchase this policy for emergency coverage
only.
Q. If I am a landed immigrant
can I purchase this policy until my GHIP is in effect? A. Yes, you can purchase this policy
for emergency coverage only.
Q.
Can I purchase the Visitors to Canada once I arrive
in Canada? A. If you
purchase this policy after arriving in Canada then there
will be no coverage for sickness or illness for a period
of 48 hours from your start date. Coverage for expenses
incurred as a result of an accident is not subject to
this limitation.
Why Customers
Love Travel Guard
"My husband and I were minutes away from setting sail to Cozumel,
Mexico. The farthest thing from my mind was using our travel insurance
plan. Suddenly my husband collapsed and needed immediate medical attention.
An ambulance ride and hospital stay later we learned he had an isolated
seizure. While we may never know what brought on this sudden turn
of events, one thing that remained certain was the help Travel Guard
could provide us. Travel Guard secured hotel accommodations for me
while my husband was hospitalized and also negotiated with our airline
to book an early flight home." – Janet & James R
Please
include
CENTRE HOLIDAYS
in the remarks field at the end of the booking
so that it can be tracked and confirmed for you
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